BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Whom It May Concern, This is my second time filling a complaint against Transunion for reporting incorrect informations on my credit report. This specific time is about an account which was re-aged from my credit report : XXXX XXXX XXXX XXXX XXXX  # XXXX. This was for first time reported as closed on XXXX, XXXX  from Transunion data, but from 5 months ago this account was showing open while it's closed. From 2 months report this account shows closed with 2 differents dates. I know this a serious violation of the Fair Credit Reporting Act. This account contains so many errors, but Transunion keep rejecting all my evidence and maintain this account to harm my credit score. Transunion can help me understand how the last payment showing XXXX and XXXX? Where did they get all these informations while XXXX wasn't able to verify this account which they deleted? 
The payment history is horrible, creditor informations is incorrect, closed date re-aged, months reviewed is wrong. 

How long should I dispute these erroneous informations with Transunion? With all evidence, they continue to report wrong information and re-age accounts from my credit report. This is not fair! I'm demanding immediate deletion of these inaccuracies from my credit report. 

I attached to this complaint a copy of XXXX and a copie of XXXX as a proof of deletion of inaccuracies from my creditreport. Transunion can explain to me why are they still reporting wrong informations on my credit report while to others credit bureaus wasn't able to verify any item? Why do they re-aged account? Is it reasonable for them to violate people 's right intentionally? I want them to delete these innacurate informations and send me a copy updated of my credit report. 

XXXXXXXX XXXX XXXXXXXX Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Westcreek Financial
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
WEST CREEK FINANCIAL IS REPORTING ACCOUNT INACCURATE ACCOUNT SHOWS 30 DAYS LATE AND 60 DAYS LATE, THIS ACCOUNT WAS DISPUTED IN XX/XX/2020 IS CAME BACK AS VERIFIED AND NO DISPUTE REMARKS ADDED ALSO THIS ACCOUNT WAS LAST VERIFIED AND REPORTED XX/XX/2020 NOT XX/XX/2020, ACCORDING TO FEDERAL LAW THIS ACCOUNT IS IN VIOLATION PLEASE REMOVE ACCOUNT IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I hope this letter finds you well. I am writing to address a matter of utmost importance regarding my account with XXXX XXXX XXXX XXXX, account number XXXX. 

Upon reviewing my financial records, I have identified discrepancies in the reporting of late payment dates, specifically in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. According to the United States Code, specifically 15 U.S. Code 1605, a finance charge is defined as the sum of all charges imposed directly or indirectly by the creditor in connection with any consumer credit transaction.

It has come to my attention that the aforementioned late payment dates are in violation of the regulations outlined in 15 U.S. Code 1605 ( a ), which specifies that finance charges should encompass all charges payable directly or indirectly by the person to whom credit is extended. Consequently, any late payments resulting from a finance charge should be rectified, and the associated entries removed from my consumer report.

In accordance with my rights as a consumer under 15 U.S. Code 1605 ( a ), I demand the immediate update of my accounts to reflect the accurate status of " paid as agreed. '' Failure to comply with this request within a reasonable timeframe will compel me to seek monetary damages for the violation of my rights under 15 U.S. Code 1605 ( a ). Please be advised that I am prepared to pursue this matter in small claims court in my city and state under 15 U.S. Code 1681n civil liability.

To further address this issue, I have already submitted a formal complaint to the Complaint portal for the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.

I trust that this matter will be rectified promptly, and I appreciate your immediate attention to this serious concern. Please confirm in writing the actions taken to resolve this matter.

Company response to consumer: In progress
Consumer complaint received 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: In progress
Consumer complaint received 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
TransUnion XXXX XXXX Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : XXXX XXXX Alleging Creditor and Account as is reported as having a late payment my credit report : XXXX XXXX offs never have late payments attached to them because they are late by default. XXXX has XXXX late payments attached to it The date opened- not correct almost the 3 bureaus High Credit Amount -not correct almost the 3 bureaus Last reported date-not correct almost the 3 bureaus Last active date-not correct almost the 3 bureaus Date of last payment-not correct almost the 3 bureaus Charge offs should never have past due amounts.. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above mentioned derogatory account be investigated and permanently removed from my report. 
I await your reply with the above requested proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12
Company: State Collection Service, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Last date that is relevant XX/XX/2019 It is ongoing Dispute with XXXX ( Creditor ) No valid verification method. Inadequately Reporting. 
I have sent disputes approx. 3 to 4 times with proper information and explanation.

no credit debt should be on my XXXX  account the balance should be XXXX. It has once again affected my credit rating. 
I constantly monitor my report with all 3 reporting agencies daily. 
requesting to remove with prejudice. 
XXXX  should remove promptly from my report. 
1ST STATE COLLECTION XXXX has been PAID IN FULL ( Showing on my report ) 2ND state collection -should be deleted not my charge XXXX 3rd XXXX  XXXX XXXX  should be deleted not verified XXXX Total of XXXX They have received information on this prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: ProCollect, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Initial contact was XX/XX/XXXX with a voice message from XXXX XXXX at Procollect Inc. I called back on XX/XX/XXXX to inquire about the message and was told a debt was being collected for an apartment in Florida. I am a long term Washington resident and have never lived in Florida or been involved with anyone who has rented an apartment in Florida. I provided a dispute via email as requested by XXXX XXXX on XX/XX/XXXX including a police report and copy of my drivers license for identity verification. The first entry on my credit report occurred at the beginning of XX/XX/XXXX. 
I did not receive any written documentation of the debt or a right to dispute the debt. I called back on XX/XX/XXXX to inquire about the dispute and was told by XXXX XXXX that it may take XXXX days for a resolution and that I should call back on XX/XX/XXXX. On the Procollect Inc website I requested documentation to be sent to me of this debt. I then followed up with a certified letter to Procollect Inc requesting verification of debt and expressing my dispute of this debt. I then received back a final bill from XXXX XXXX apartments in XXXX, FL with the same first and last name for an apartment rental ending XX/XX/XXXX. This letter also had a address in XXXX GA for the debtor in question and a reason for move out of XXXX XXXX. 
I called ProCollect on XX/XX/XXXX in inquire about the status and was told I could now only send email to fox@procollect.com. I sent the email and received a response the next business day stating only that I owe the debt. I did respond asking if we are no longer working in good faith to correct this responsibility. 
In my email on XX/XX/XXXX, I did provide a suggestion as to the correct debtor, as it is easy to find a person with my name who lived in XXXX GA and went to school in XXXX FL in XXXX and happens to have been drafted to the XXXX Texans in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
From XX/XX/XXXX- XX/XX/XXXX, this card was 100 % paid off and not being used. In XX/XX/XXXX, I decided to purchase a new couch which was a little over {$2000.00}. In XX/XX/XXXX, I realized my Synchrony XXXX credit card was closed after logging into my account but not because I requested a closure. After calling their customer service line, I was informed the company closed my account without my consent, due to 'other " delinquent accounts on my credit report. I have a positive payment history with them and have had this account since XXXX. As a long time card member with them, this closure could have been prevented if they had communicated to me there was an issue. There are NO late payments reported from Synchrony XXXX to any of the 3 credit bureaus, no phone calls placed to collect any monies owed, nor communication prior to them closing my account. The customer service agent stated this was done to 'protect the company ', how about protect the consumer? Reach out and ask if there are any mutual remedies both parties can agree to to prevent such a situation? My credit has been negatively affected with one of my oldest accounts being closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This company has continued to violate my consumer rights. They are in violation in 15 USC 1681 B-Permissible Purpose, 15 USC 1681 Q, 15 USC 1681C-2 . This company responded to my dispute as you can see in the document attached stating that this account has been verified by the company reporting it. They have NOT supplied any proof of this account verified. The have no permissible purpose to report these accounts on my consumer report. The law is clear and it states these companies must have my written permission and they DO NOT!!!! You also can see that I have a letter attached from the company US Bankruptcy Court where they are stating they did not verify any of my information with these consumer reporting agencies. This company is falsely reporting inaccurate information on my consumer report and I am demanding they stop and remove this fraudulent information for their financial gain. This is illegal!!! Here are all the documents I have sent to them showing them proof they are illegally using my personal information and they have refused to stop.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-20
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
DEAR SIRS DIRECTOR AND RESEARCHERS CFPB US FEDERAL AGENCY XXXXXXXX XXXX XXXX GREATER OF AGE AND NATIONALIZED IN THIS GREAT COUNTRY- I WANT TO NOTIFY THAT POTENTIAL SUSPECTS COME XXXX WITH MY ACCOUNT OF TDBANK-XXXX. EXTORTION-IF I DO NOT LET ME REMOVE MY LAPTOPS.XXXX APPEAR TO BE EMPLOYEES OF XXXX XXXX XXXX BECAUSE SOMETIMES I LEAVE IN MY LAPTOP THE HOUR OF XXXX XXXX CALIFORNIA FOR EXAMPLE IN XXXX, ARE XXXX BUT IT APPEARS TO ME THAT ARE THE XXXX XXXX XXXX ... THE OTHER IS A XXXX  OF XXXX XXXX XXXX XXXX WHO SEEMS TO LIVE IN XXXX XXXX OR XXXX. HE IS XXXX AS A XXXX XXXX ... AND THEY ARE COMING XXXX BULLYING FOR XXXX XXXX XXXX XXXX IN XXXX AND XXXX XXXX IN XXXX, XXXX SAY THAT THEY ARE GOING TO LEAVE ME WITHOUT CELLULAR WITHOUT LAPTOPS WITHOUT TELEVISION ... AND WITH MY CONDITION OF HEALTH THAT I AM COMING BATTLING TO CURE ME <THEY SAY THAT THEY ARE GOING TO XXXX XXXX, RETURN ME MAD AND MAKE ME RETURN MY XXXX XXXX. EMOTIONAL XXXX. XXXX XXXX MY LAPTOPS HAVE BEEN HACKED BY THEM AND MY ELECTRONIC MAILS USED TO ENTER COMPLICATED SITES THE BULLYING IS THAT YOU HAVE BEEN USING MY DEBIT CARD TO PURCHASE XXXX ELECTRONIC OR FILAMENT PARTS. THE BULLYING HOME XX/XX/2016 TO PRESENT ... ..THEY SAY THAT I LOSE TIME BECAUSE THEY ARE WELL HIDDEN. AND IT FASCINATES YOU TO COGER MY LAPTOPS OF DAY OF NIGHT OF XXXX SO I RECEIVE WITH XXXX AND XXXX MAKING RETURN THE XXXX XXXX ... ONE OF ITS PURPOSES. 

THEY HAVE ALMOST BEEN PURCHASING WITH MY CARD ON XXXX I NEVER PURCHASED OR PURCHASED PRODUCTS TO XXXX. PLEASE SEE RECORDS XXXX I ASK YOU TO RETURN ME {$29.00} WHAT IS THE ONLY THING I CAN NOT APPROVE THE ASSISTANT OF CURRENT ACCOUNTS ( SEE CLAIM ) AND ATTACHED PROOF.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Penny mac is offering assistance to srtugling homeowners.i have a major problem that although they are willing to assist .if a borrower clicks on yes to accept assistance it offers no specifics or description on assistance.Its almost like making a deal with the devil.for assistance someone needs to defer 2 months like myself and has and intrest rate of 3.250/ i have consented to the possibility of being placed in a forty year with a market intrest rate over that.?? borrowers will be inundated with intrest paymnets to achieve a lower payment.i think this definetly needs to be looked at. this in the long run will hurt borrowers and pennymac profiting handsomely, i need assistance but not at that price.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PlusFour INC.

( Debt Collector ) Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX Agent : XXXX XXXX reported : XXXX Amount : {$690.00} XXXX XXXX XXXX XXXX XXXXXXXX ( My Health Insurance ) XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX Agent : XXXX Date Contacted : XXXX Time : XXXX Agent : XXXX XXXX Contacted : XXXX XXXX ( XXXX ) XXXX XXXX XXXX location unknown??? 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX XXXX Nevada XXXX XXXX Billing Department XXXX Agent : XXXX Date of contact : XXXX Time of Contact : XXXX noon Date of service : XXXX Amount of Service : {$1500.00} ACCOUNT PAID { NEVADA XXXX } PlusFour INC. is currently false reporting a debt that doesn't belong to me. Nevada XXXX contacted XXXXXXXX XXXX XXXX and XXXX XXXXXXXX XXXX and both company 's have several complaints from PlusFour INC. and the false debt reporting. 

XXXX XXXX XXXX billing department explained to XXXX that they are currently moving locations including documents and several people have made complaints about false debt reporting in regards to this. XXXX at XXXX XXXX XXXX Billing department stated that she will expedite my complaint to the supervisor department and to give them 24 hours to respond. 

PLEASE HELP ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion report . This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Self Financial Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Self/Lead Bank violated my rights numerous of times I didnt give written permission to furnish account 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1666B : a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1692C ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation