BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-07-07
Company: DigniFi
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Dignifi is deliberately ignoring the law and continues to practice malicious and deceitful business practices. In previous response Dignifi has admitted and responded that there address that they reported on my consumer report is not an accurate address.This is in clear violation of 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies.Dignifi also in violation of 12 CFR 1022.43 ( c ) Direct dispute address. A furnisher is required to investigate a direct dispute only if a consumer submits a dispute notice to the furnisher at : ( 1 ) The address of a furnisher provided by a furnisher and set forth on a consumer report relating to the consumer ; And Dignifi is reporting as CONFIDENT FINANCIAL SOLUTIONS XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX and another report Dignifi is reporting address XXXX XXXX XXXX XXXX, CO XXXX and another reported address XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXXDignifi previously stated they did not receive my request to opt out of their arbitrary clause.Which I sent my request to two out the three addresses that they reported as accurate which are.I dont know with address is an correct address.This is shady business practices, See attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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: Account status incorrect

Complaint:
XXXX lists my paid in full account as a settlement. Balance of {$1300.00} was paid in full on XX/XX/2019 ( confirmation # XXXX ). Company refuses to validate or correct status on credit reports.

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 2023-02-15
Company: TRUIST FINANCIAL CORPORATION
State: FL
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 received an suspicious alert about a charge on my account from Regional Acceptance ; I was told the charge was for a auto payment under an account for a vehicle that I do not own ; After much research I was able to track down the fraud department- This company has allowed their customer to fraudulently use my account to pay their auto payment. The merchant is aware of the customer and keeps referring me back and forth to the bank. My local bank also agreed that the charge is fraudulent and sent me back to the merchant to request a full refund of the charges. 
I do not have an account with this company I do not have a vehicle with this company I do not have a vehicle with any balances I own my own vehicle out right. 

I spoke to several reps and provided my name, my address, and the last four of the debit card that was used. The merchant were able to verify that I have no association or debt with this company and admitted they are aware another customer made the fraudulent charges using my debit visa card yet they have not done anything to resolve the issue and reverse the charges. I need this corrected. However, no one has been able to help me and I don't know who to speak to or what to do. All I know both the bank and the merchant agreed that these charges were fraudulent and not created by me. The police report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) is already in process but it takes time to have the physical copy in hand. However, it should not take additional time to refund the money back to me especially if you have already admitted that this person committed fraud/identity theft. 

This needs to be resolved immediately. 
This person has depleted all funds in my account I am a single foster parent who fosters children and I am required to provide the highest level of care, food and shelter. 
This is not right. I've already cancelled the card. 

Charge Date XX/XX/2023 Charge Posted XX/XX/2023 Charge amount : {$660.00} Currently Cancelled Card Used : Last four of the card # 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 2023-05-04
Company: GOLDMAN SACHS BANK USA
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have accounts that arent properly verified. The credit reporting agencies, the three major agencies arent properly investigating the accounts. These accounts remain unverified. The agencies keep responding telling me that they have verified the accounts but refuse to provide the method of verification. 

My different accounts are affected by a breach at the CFPB and should be removed from my different credit bureaus records. 

My privacy and my credit worthiness has bee compromised and this is a direct violation of Code 1681i Promptly update my files

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09
Company: Ascendium Education Group
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
One of my loan servicers is XXXX. They report to credit bureaus if a borrower is 90 days past due. I always keep a careful watch on when I may become delinquent. I was especially careful this year because I was going to consolidate my loans under the PSLF loan changes. A company, called Ascendium calls on behalf of my loan servicers to tell me about my options. They are not my servicer and they do not ask for payment. They have all of my personal information and say they trying to collect a debt. On XX/XX/XXXX I received a called from someone with Ascendium letting me know I needed to take action on my XXXX and XXXX student loans. They told me they would make everything current with my account, though the calls from my servicers might continue. I also received a form about income-based repayment. I even have an account number with Ascendium : XXXX. I complete the consolidation form and submit my PSLF to XXXX. Yesterday, XXXX reports that I am more than 120 days delinquent on several student loans. I told them about Ascendium and that I should be current. My credit score dipped XXXX points because of this. I want this off my credit score. I trusted Ascendium at their word and thought I would be brought current on my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We were offered a trial modification in XX/XX/XXXXof which we accepted. The trial payments as stated in the offer requested three ( 3 ) payments, but we received a letter to continue making the payments until we received the final modification documents. 
We made five ( 5 ) payments of {$2600.00}. 
XX/XX/XXXX - Debit - Transaction-XXXX XXXX, XXXX - Debit - Transaction XXXX XX/XX/XXXX - Debit - Transaction - XXXX XX/XX/XXXX Pmt Made with Representative - Comf . XXXX XX/XX/XXXX Pmt Made qith representative - Comf. XXXX As of XX/XX/XXXX There was a suspense amount on the account of {$42000.00}. 
XXXX XXXX we called to make the XX/XX/XXXX payment, we could not make any payment. 
Why? we asked but we were told that they were waiting because the modification was complete, and there was in fact a suspense amount ( {$42000.00} ) on the account that would be applied for XX/XX/XXXX payment. 
We waited all of XX/XX/XXXX, we did not receive any documents as promised. We kept in touch to make sure we were getting the modification and they assured us it was complete. Finally on XX/XX/XXXX, we received the modification documents with a request to return them by XX/XX/XXXX. 
According to the Modification documents, Our first mortgage payment was due on XX/XX/XXXX, however we received a Notice of Default on our Mortgage before we received the executed Modification Agreement, from that point on we have to fight to make the payments. We had to call in to make the payments and get a supervisor to ok the payment. We mailed in some of the payments. 
Then starting XX/XX/XXXX received a default statement showing that we owed {$12000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$3100.00} XX/XX/XXXX {$3100.00} XXXX XXXX {$3100.00} According to the Modification Agreement our payment was {$2600.00}, when did the payment change? 
The second statement for XX/XX/XXXX came stating that we owed {$8900.00} showing payments of : XX/XX/XXXX - {$2500.00} XX/XX/XXXX - {$3100.00} XX/XX/XXXX - {$2600.00} With a suspense amount of {$610.00} We have tried, over and over again, each representative we have spoken to has advised us to have the situation investigated, they could not see any reason why the account has so many changes in the amount of the payments. 
There is noting in the modification agreement that shows the payments will change each month. 
We received another statement XX/XX/XXXX XX/XX/XXXX - payment {$3000.00} XX/XX/XXXX - payment {$2600.00} List of all payment from bank receipts will follow by fax. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: MI
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

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

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 2023-01-20
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: Information belongs to someone else

Complaint:
This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( Original Creditor : ) XXXX Balance : {$110.00} ( Original Creditor : ) XXXX Balance : {$210.00} 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 explanation
Consumer complaint received 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX OPENED XX/XX/2018 This account is reporting inaccurate information. The auto loan was sold and the deficiency balance is not {$4000.00}. The company has failed to report the accurate balance and I demand this account be deleted from my file 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 2023-07-10
Company: United Shore Financial Services, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home on XX/XX/XXXX with a 5 % down conventional loan. I made my first payment on XX/XX/XXXX and have never been late or missed a payment. On XX/XX/XXXX I requested, in writing, removal of PMI. I received a message on XX/XX/XXXX from my loan servicer, United Wholesale Mortgage, that I could pay an estimated fee for an appraisal or BPO and Loan to Value needs to be at 75 %. I replied on XX/XX/XXXX asking for more information as to how they are able to require a 75 % XXXX under the Homeowner Protection Act and clarity on the payment for the appraisal and BPO. I have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: CCF Intermediate Holdings LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company contacted me a XXXX  months ago on XX/XX/2023 threatening to sue me if I didn't pay them for a charged off debt with Speedy Cash. They had sold the debt to a company called XXXX XXXX XXXX whom I paid through a debt consolidation company. I sent them the receipt for said payment and at the time they basically declined to accept it. Prior to that I provided them with my debit card number. Because they refused to accept the receipt I called Speedy Cash whom they were saying was going to sue me and they said they were doing no such thing. I cancelled that debit card before they could do any damage. I had blocked their number but today they got through again leaving me a message saying this was a notification of a legal action. I did a reverse look up of their number and they come up as a scammer. The most concerning thing to me is that they have my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, FL 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 2023-09-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to provide an overview of the credit reporting disputes I have encountered and the actions taken, which involve the following companies : XXXX XXXX Experian XXXX XXXX XXXX Please note that I have included delivery information for each dispute to demonstrate my efforts to resolve these issues. 

XXXX Disputes : On XX/XX/2023, I mailed my initial dispute to XXXX, and it was successfully delivered on XX/XX/2023. 
On XX/XX/2023, I sent a follow-up dispute ( Round 2 ) to XXXX, which was received on XX/XX/2023. 
XXXX Disputes : On XX/XX/2023, I sent my first dispute to XXXX, and it was delivered on XX/XX/2023. 
On XX/XX/2023, I submitted a second dispute to XXXX, which was delivered on XX/XX/2023. 
Experian Disputes : On XX/XX/2023, I mailed my second dispute related to the XXXX XXXX account to Experian, and it was successfully delivered on XX/XX/2023. 
On XX/XX/2023, I sent another dispute ( Round 2 ) to Experian, which was received on XX/XX/2023. 
XXXX XXXX XXXX Dispute : On XX/XX/2023, I submitted a dispute regarding XXXX XXXX XXXX, and it was delivered on XX/XX/2023. 
In each of these disputes, I have consistently requested verifiable proof to substantiate the accuracy of the accounts in question. Specifically, I have sought either an original consumer contract with my wet signature or a certification from the creditors confirming the accuracy and completeness of the account information. 

Despite my persistent efforts, the responses I have received have not adequately addressed these concerns, and proper validation details have not been provided in accordance with the Fair Credit Reporting Act ( FCRA ). 

I kindly request your assistance in facilitating the resolution of these disputes, as they have adversely impacted my credit standing and financial well-being. I believe that my diligent efforts, supported by delivery confirmations, demonstrate my commitment to addressing these issues. 

I understand that you may require additional personal information to assist in forwarding my complaints to the relevant companies, and I am prepared to provide such information as needed in compliance with your guidelines. 

Thank you for your attention to this matter, and I look forward to your guidance and support in resolving these credit reporting disputes effectively. 

Sincerely, 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 2023-07-11
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:
The accounts below are being reported as open collection, past due, etc. These accounts are in valuation under FCRA compliance. 
This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report to my email. When the above collection is deleted and has been removed.

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name and they do not relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2022-11-09
Company: Experian Information Solutions Inc.
State: NC
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 Fair Credit Reporting Act XXXX  account number XXXX XXXX XXXX XXXX violated my right. 
15 u.s.c 1681 602 section A states I have the right to privacy.

15 u.s.c 1681 604 section A states a consumer agency can not furnish an account without my written instructions.

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