BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-02
Company: Experian Information Solutions 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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : Account Name : XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report.

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.

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 2024-01-10
Company: Freedom Mortgage Company
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I missed a mortgage payment last XXXX. I agreed to a 6 month repayment program through loss mitigation to make up for the missed payment. 

Under the program, i agreed to pay XXXX for the months of XXXX XXXX XXXX XXXX XXXX 

I have been making said payments as agreed. On XXXX XXXX XXXX, i made XXXX XXXX payments for my XXXX XXXX XXXX payment, another one the first week of XXXX, and a third XX/XX/XXXX for XXXX. 

My mortgage company, freedom mortgage, claims i am 2 months behind on my payments. I called and emailed them saying i made my payments, and sent them the bank statements as proof. 

Freedom mortgage said they would review my case and get back to me. I waited until the deadline and sent them a message. They responded saying they needed more time to review. It has been over a month, and i still have no answer as to why the payments i have been making are not going through.

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The above account does not belong to me I am a victim of identity thief Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATELYI XXXX XXXX XXXX {$160.00}

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 2024-01-10
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: Account information incorrect

Complaint:
I am writing to inform you of the inaccurate information that Trans Union has been reporting on my credit report Upon reviewing my credit report, I discovered that Trans Union Is reporting erroneous information that has severely damaged my credibility and caused significant financial and emotional distress. This inaccurate reporting is in direct violation of the regulations set forth in the 15 U.S. Code 1681s2, which prohibits the furnishing of inaccurate information to consumer reporting agencies.

Specifically, Trans Union has reported a debt as part of my credit history, which is entirely inaccurate. According to the guidelines of the Internal Revenue Service ( IRS ), canceled debts should be reported as gross income on tax returns, not as debts on consumer reports. Thus, the reporting of this account as a debt is not only incorrect but also contradicts the established regulations.

The IRS clearly defines a charge off as gross or ordinary income, which should not be reported on the consumer report. Therefore, the reporting of this account as a debt is unequivocally inaccurate.

Furthermore, I have not received a Form 1099-C from any data furnisher, despite the fact that it is required if the canceled debt exceeds {$600.00}, as stated in the IRS guidelines . This form is crucial for accurately reporting taxable income, and its absence further corroborates the inaccuracies present in Trans Union 's reporting.

This incident has deeply disturbed me, as it has had a profound impact on my financial well-being. I am taking proactive steps to rectify this situation and ensure that my credit report reflects accurate information.

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting 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:
I understand that it is my right to obtain a copy of my Drivers History report, under the Fair Credit Reporting Act. I am requestinga copy of my Drivers History report sent to me via mail.

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 2023-06-21
Company: Experian Information Solutions Inc.
State: LA
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2019-08-01
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recieved a call for a woman XXXX XXXX who informed me she was from a company called XXXX XXXX XXXX XXXX and she was collecting a debt from a payday loan from XXXX from The Cash Store. I was told i owed over {$900.00} almost {$1000.00} and i needed to take care of that debt.  She said if i didn't take care of the matter right then iwas going to be taken to court for a civil and crimal suit. She knew everything about me including my social. She said if i didn't pay the county clerk would be contacting me. Well, on XX/XX/XXXX someone supposedly from the county clerk called me but then transferred me back to the same people from payment to keep it out of court. Not remembering that I've already paid my balance owed on that payday loan, and being threatened with lawsuits and jail time, i paid only to then do my research and contact XXXX XXXX XXXX the company i remember paying on a payday loan i did have. The same loan i paid off, these people from XXXX and XXXX which i found online to be an interior design compamy out of XXXX N.Y charged my account for {$500.00} which they said was a payoff amount for paying right then instead of being charged the higher amount of over {$900.00} if i was on a payment plan. I've already contacted my bank, canceled my card and am attemped to to file a dispute hoping the money will be returned to me. What else can i do?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I spoke with a representative from Netspend this morning, who told me I owed them money for an old dispute that was resolved by me. After 10 days, Netspend was supposed to issue a provisional credit which they did not do. They allowed the case to drag on for over a month and a half, including inappropriately holding funds that I had deposited on the account to pay a phone bill. After total disgust in their handling of my dispute with XXXX XXXX - I filed a complaint with XXXX  XXXX XXXX   and spoke with the airlines. The very next day the money was returned to my account. Netspend did not resolve the issue. I had to because it took Netspend so long to do so. 

They have consistently refused to release my funds from my tempoary card - WHEN I DON'T OWE THEM ANY MONEY. 

My account has a XXXX balance and the remainder of the money was returned to me by XXXX yesterday. If there was an issue with an outstanding balance- they would have told me over the last month and a half of using the card and not retuned my money. 
In fact, I also believe that they shorted me my refund from XXXX - an issue that has never been resolved with them. 

In speaking to them this morning - they want to have their Global Escalation team to call and have continued to XXXX me around rather than releasing the funds right away, so that I can make my payment due for my cat which is now late because rather than releasing the funds yesterday - that they had no right to hold- they have continued to make up bunk XXXX stories about money I DON'T OWE THEM OR ANYONE ELSE. 

I Missed half a day of work yesterday along with other obligations I needed to get done and INCURRED A LATE PAYMENT BECAUSE THESE PEOPLE JERKED ME AROUND ALL DAY YESTERDAY AND HELD FUNDS THEY HAD NO RIGHT TO HOLD. 

In reading online about th his company last night - they have tried to play this game on other people, who finally did recover their money - because Netspend was DEAD WRONG IN KEEPING IT IN THE FIRST PLACE. 

These people are cooked as the cows who come home. 

They should be investigated not only for their fraudulent activity on my account. But for the many others who have suffered at the hands of their or theft. 

I WANT MY MONEY RETURNED IMMEDIATELY, SO THAT I CAN PAY MY BILL. PLUS THE LATE PAYMENT THEY WILL OWE FOR NOT IMMMEDIATELY RELEASING MY FUNDS YESTERDAY.

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 2019-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 don't recognize these inquiries. I've never requested anything from them.

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 2023-03-02
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act. 
The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 
XXXX # XXXX, XXXX, # XXXX, XXXXXXXX XXXX XXXX  # XXXX, XXXX # XXXX, XXXX # XXXX. 
15 u.s.c 1681 section 602 A. States I 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 Report containing any the following items of information other then records of convictions of crime which antedates the report by more the 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 reasonable cause to believe that the information is inaccurate.

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 2021-10-26
Company: Ocwen Financial Corporation
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, our mortgage company paid the wrong amount on our XXXX property taxes from our escrow account. They paid a total of {$1400.00} ( in 2 separate payments for some reason ). The amount was about {$400.00} short ( we don't know why they didn't pay it in full ). The county then sent back the partial payment to the mortgage company, as that is their policy. The mortgage company did not investigate at that point or notify us. 

In XX/XX/XXXX we received a check for {$1800.00} from the mortgage company. We thought that was odd so we contacted them. They told us about the county sending the {$1400.00} back to them. We asked why and they said there were not sure why it happened. At this point, we had received no XXXX property tax bill or statement or any notice of any delinquency. We asked them to do an " investigation '' of the matter. We did not hear anything else from them about the investigation. Since we also did not receive anything from our county, we thought the check was some kind of overpayment from something in the closing of the loan since it was just closed in XX/XX/XXXX. 

Last week ( XX/XX/XXXX ), we received a letter from an attorney stating our delinquent property tax bill had been purchased by a private company and that we would need to pay a total of {$3500.00} or our house will be subject to foreclosure as of XX/XX/XXXX. This amount includes delinquency fees and attorney fees. 

We spoke to our mortgage company on XX/XX/XXXX and told them about the letter. We were told this was not our error and that they would be investigating it. We have not heard anything from them since then. We made sure to tell them this was an urgent matter. 

After a lot of phone calls, we have discovered that the county had been sending our tax bills and notices for XXXX to the wrong address, our old address, where we had not lived in over a year. We are not sure why someone on the county level did not properly record the address from the deed. We are still looking into that. But that explains why we never received the XXXX tax bill or any notices of the taxes not being paid. We thought our mortgage company was taking care of it, as they were supposed to. 

We would also like to note that they have already sent a payment for the XX/XX/XXXX year and it is once again the wrong amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 sent letters over 30 days ago asking how do you verify bankruptcy and how did you get this personal information on my credit report. 
I also ask them to verify this bankruptcy on my credit report and send me a letter explaining the procedure they used to verify this Bankruptcy listed on my credit report. 
They have also blocked me from filing disputes online.

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