BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I am writing to formally dispute the continued inaccurate reporting of late open accounts on my credit report, despite multiple attempts to correct this issue. This ongoing error is causing significant harm to my creditworthiness and financial well-being. I respectfully request your immediate attention and resolution to this matter. 

I first identified this discrepancy on my credit report. Despite my consistent and timely payments for these accounts since their inception, they have been inaccurately reported as late, negatively affecting my credit score.

My attempts to rectify this issue have been as follows : I submitted a written dispute to Credit Bureaus, outlining the incorrect reporting of late payments and providing all relevant documents as evidence of my timely payments, including bank statements and payment records.

I followed up with [ Credit Bureau Name ] via phone to inquire about the status of the investigation and the correction of the late payment reporting. I was informed that an investigation was underway. 

As the late open accounts continued to be inaccurately reported, I sent a second dispute letter on [ Date of Second Dispute ], reiterating my concerns and emphasizing the urgency of resolving this issue. 

To date, I have not received any response or resolution regarding the correction of the late open accounts on my credit report. 

The ongoing presence of these inaccuracies is causing severe harm to my creditworthiness and financial stability. I kindly request that Credit Bureaus conducts a thorough investigation into this matter and promptly corrects the erroneous reporting of late payments on my credit report. 

Enclosed with this letter, please find copies of all relevant documents, including : Copies of my dispute letters and correspondence with Credit Bureaus Bank statements and payment records demonstrating timely payments Any other supporting documentation I request that Credit Bureaus investigates this matter promptly and provides me with a written response within 30 days, in accordance with the Fair Credit Reporting Act ( FCRA ). If the investigation confirms the error, please ensure the immediate correction of my credit report. Kindly help me correct these late open accounts : XXXX XXXX XXXXXXXX Balance Owed : {$2100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1000.00}.

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 2022-11-13
Company: Experian Information Solutions Inc.
State: GA
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:
Please be advised that this is my SECOND WRITTEN REQUEST asking Experian to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. Experian is required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of Experians first re-investigation, Experian stated in writing that theyve verified that these items are being reported correctly. Where are the documents that Experian used to verify these accounts? What is the name of the person who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. What this means is that Experian must be willing and able to produce a document in their files that proves the accounts in dispute belong to me and the information being reported is accurate and they must be able to do this in a court of law if I file a lawsuit against them. Someone in Experian must authenticate the documents in their files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged accounts and all that has ever transpired for the alleged accounts, under oath and under the penalty of perjury. As I am sure that Experian is well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on, and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). Experian have ignored request to provided me with the documents that they have in their files that were used to verify the disputed accounts which means that Experian have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to promptly DELETE all information which can not be verified. XXXX. XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-09-22
Company: Bread Financial Holdings, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-07-02
Company: Incomm Holdings Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a pre loaded Vanilla Gift Card with a preloaded amount of {$25.00}, using {$25.00} cash to make the purchase, and when I attempted to use it, a month later, could not. I did call the card shortly after purchase, and {$25.00} was the available and the card was ready for use. Upon attempting to use today, the 4th call to confirm the balance, the automated system stated there was an issue with the card. Speaking with XXXX, I was informed that I had to return to the merchant, to obtain the receipt, and send it to them, so they could verify the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX I filed for a copy of my free annual credit report, as allowed under the FCRA. Experian responded and said they couldn't identify me, and requested further information. On XX/XX/XXXX I mailed the requested information. Experian responded and said they could only partly identify me. they then requested THE SAME INFORMATION I already mailed them. I responded AGAIN with the same information requested. They responded again saying they couldn't identify me and requested the same information AGAIN. On XX/XX/XXXX, Experian received certified USPS letter # XXXX. This letter contained 1. A copy of my license 2. A copy of my Federally Issued Social Security Card 3. A Copy of a utility Bill 4. A copy of every address I have lived at since age XXXX, 5. My Date of Birth. 6. My Full Name. I have copy of tracking information and letter with all enclosed information to prove this. On XX/XX/XXXX, Experian responded by stating they still couldn't identify me and requested AGAIN the SAME INFORMATION the was already sent three previous times. 1. A copy of my license 2. A copy of my Federally Issued Social Security Card 3. A Copy of a utility Bill 4. A copy of every address I have lived at since age XXXX, 5. My Date of Birth. 6. My Full Name. While claiming not to be able to identify me and repeatedly requesting the same information, company haws repeatedly offer to sell me a copy of my credit file. If I cant ' be identified, how can I be sold a copy? Experian is attempting to extort me into buying a copy of my credit file.

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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXX Balance : {$4400.00}.

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 2023-10-16
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
We were provided the 10 day payoff but the representative provided a business office address which was incorrect when relating to where the pay off checks are to be mailed. We XXXX the total loan amount in the form of a cashiers check. When they received the check, they then stated we did not endorse it ( which was false ) and sent it back to us via regular mail. When we received the returned check, we confirmed it had in fact been endorsed and we immediately sent it back yet again to the pay off office via USPS overnight. After applying the check to the loan amount, bridge crest stated that we had accrued additional interest due to the delays in payment. We called numerous times and were given different replies on each call. We were advised the additional interest would be waived and then advised it would not be waived. Our last communication was they would not remove the fees even though their notes reflect their error. They still have our vehicle title and state we owe them {$200.00} for additional interest.

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2023-05-05
Company: EQUIFAX, INC.
State: CA
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:
I've asked the credit bureaus XXXX, Equifax and XXXX to do a through investigating of my report and correct any inaccuracies. They sent me a letter back from all XXXX bureaus and stated that all the information was correct and accurate. I followed up and did my own investigation my self and found incorrect and inaccurate information after they did their investigation. 

I asked the reporting agencies to look into XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, In accordance to the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 A. states that I have a right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2023-05-05
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below hasIn violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The following Creditors and Debt Collector have violated my rights : ACCOUNTS : # ORIGINAL CRED : XXXX  XXXX XXXX  - # XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I would like the these creditors to provide me with a 1099c due to the debt being a write off, if this information can not be provided these account need to be removed from my credit report. 

XXXX XXXX XXXX, I AM NOT LIABLE FOR THIS DEBT WITH XXXX XXXX XXXX, AND DO NOT HAVE A CONTRACT WITH THIS COMPANY. THEY DID NOT PROVIDE ME WITH THE ORIGINAL APPLICATION LIKE I ASKED. 


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 instructions 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: Closed with explanation
Consumer complaint received 2019-09-21
Company: CITIBANK, N.A.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
As of today, XX/XX/19 ( XXXX time zone ) my credit card balance, on both the Citi mobile app and the Citi automated phone system, reflect a recently made payment. However, my card was denied due to the balance of my card being over my credit limit. When I called Citi and spoke with a representative, they explained that while the payment was received on XX/XX/19, the payment has not been posted. In order to expedite the payment posting, I will need to coordinate a third-party verification between my bank and Citi, or wait until the hold is lifted in a few days. This is most inconvenient as I made the payment a week in advance of traveling internationally with the expectation of being able to use the credit card. Additionally, my bank is not open on the weekends, and I will have to wait approximately 36 hours from now to resolve this issue myself by coordinating a call between my bank and Citi. This is outrageous. Citis inability to accurately portray my credit card balance is the definition of an unfair, deceptive, act or practice, as all information provided by Citi reflects that the payment has been made and credited towards my outstanding balance.

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 2023-06-15
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2023 my husband and I started working with XXXX XXXX of Mutual of Omaha-Mortgage to apply for a cash out- Refinance on our primary home. 

On XX/XX/2023, Mutual of Omaha took {$570.00} for an appraisal. Once finding out the company that Mutual of Omaha uses, my husband was weary because looking at the reviews of said company ( XXXX ) they have a 1 star rating with many complaints being low appraisals. 

On XX/XX/2023, our appraisal was completed and on XX/XX/2023, we were sent our appraisal, which came in WAY below what we expected as we are in a very prestigious neighborhood for our area. Immediately I sent additional comps and requested a reevaluation be completed. I was informed by XXXX that he would send everything to his manager as he is the one who handles this, but did confirm that he would follow up. 

Friday, XX/XX/2023 came, heard nothing. Monday, XX/XX/2023 came, nothing. Tuesday I sent XXXX an email, no response. Wednesday, I sent another follow up email, no response. I then forwarded the email to XXXX XXXX ( XXXX assistant whom we had been working with ) an email, no response. Wednesday I send an email copying everyone that we had worked with, including XXXX XXXX REQUESTING AN URGENT RESPONSE, and he called me to tell me that in order to request a reevaluation or rebuttal I would need to ( do what I already did the week previous ) submit additional comps and ask to be reevaluated. I explained to him how his company let me down and he at that point informed me that my loan had moved to withdrawal status due to the appraisal coming in so low. I feel as though this company is scamming people such as myself out of money they already do not have in the first place. I would like either 1. A company that is local and knows our area to come out at no additional charge to appraise our home. Or 2. Request a full refund of the {$570.00} that this company provided the way under appraised price for our home so that we can take our business elsewhere. We know the value of our home and the fact that this company totally dropped the ball on ANY follow up until AFTER being threatened with the XXXX, I find them to be a SCAM as well. Thats bad business. When I asked for a reevaluation, it should have happened that day, as stated. Not our loan going into withdrawal status and then having SOMEONE ELSE ( XXXX the XXXX with the same job title ) reaching out to us AFTER mention of XXXX being made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: Law Offices of Robert J. Colclough, III
State: FL
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:
On XX/XX/2013 I paid a debt of {$120.00} to Allied Collections for XXXX XXXX XXXX on a product in which I never received. I paid the debt to avoid any derogatory remarks on my credit report again even after I still did not receive the product. 

And now 6 years later when it shows as a derogatory remark on my credit statement and I need it removed immediately.

Company response to consumer: Closed with explanation