BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Account number : XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 non-monetary relief
Consumer complaint received 2022-10-11
Company: LEXISNEXIS
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
The reporting delinquent payment information is incorrect. This account was paid as agreed. The court has closed this case XXXX. And it is still reporting on my credit report and public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Experian Information Solutions Inc.
State: GA
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 asked the credit bureaus to do a verification of everything on my credit report. They did and stated everything was accurate. However, I did a thorough research and found improper inaccuracies on my report after they did an investigation. XXXX Account # XXXX. In accordance with the Fair Credit Reporting Act, XXXX Account # 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 an account without my written instructions. I have submitted all required documents asked for and they still have not removed this from my account. After I sent in the supporting documents, they closed the dispute and left it on my report. Here I will upload payment history and how it does not match with whats reporting. IT HAS BEEN WELL OVER 30 DAYS. NOW 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 2017-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent this company letters over and over again since XXXX, 2017 and they have yet to provide me with anything with my signature. 
These are the certified mail tracking numbers XXXX that was signed for an employee at XXXX XXXX on X/XX/2017 and XXXX that was signed for by transunion and XXXX along with numerous of other attempts to remove this invalid debt.

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 2023-08-29
Company: EQUIFAX, INC.
State: NY
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 have attempted to correct this issue with the credit agencies for the pass two years. Each of these companies continue to report inaccurate information that are part of an identity theft. I want the inaccurate information removed promptly according to federal law 15 usc 1681 611 ( 5 ) ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: NC
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:
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. 

INACCURATE ACCOUNTS : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX AND XXXX *XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: AES/PHEAA
State: IN
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:
I have 7 Direct loans totaling XXXX that I have been paying on time, under an income based repayment plan. I have been working in public service full-time since XX/XX/XXXX and qualify for PSLF. I filled out the employment verification form and my loans were transferred to Fed Loan Servicing in XX/XX/XXXX. Based on the information that they sent me they are only counting 10 payments towards my PSLF, when I have actually made 5 years worth of payments that should qualify. In XX/XX/XXXX I spoke with  employee # XXXX and asked for a correction. He said my loans would have to be reviewed, which could take a couple of months, and that they would send me updated information. It has now been over 4 months and I have n't been contacted and never received proper documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: EQUIFAX, 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:
Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items ) to be in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C.

Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. 
According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received credit report in the past six months. 
Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: NATIONS DIRECT MORTGAGE, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company after correcting there mistake, sent to the credit reporting company, Stating I had missed payments. They reported I'm 30 days late between XX/XX/2020 until XXXX XXXX reporting is not correct. They refuse to report I was current as I was told they would do after resuming payment from our forbearance agreement. Was told, if I was current before the covid hardship agreement that once I resume payments, they would report all payments to be current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Collection Consultants of California
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: Was not notified of investigation status or results

Complaint:
I have no idea about a collection account that appears on my credit file. I wrote the collection agency a letter demanding proof of what they were collecting and reporting. This was over 60 days ago and they have just ignored the letter and continued to report wrong data to my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE
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 have not received any response from these accounts I submitted for disputes : XXXX XXXX Account # : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX CAP XXXX XXXX  Account # : 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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

1. This account has been settled and paid. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

2. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. The status is incorrect for the following account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

5. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account Number : XXXX Please remove it from my credit report. 

6. The Following Account Was A Charge-Of. Balance should be {$0.00}. 
XXXX XXXX Account NumberXXXX Please remove it from my credit report. 





* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, 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 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 submitting to bring to your attention a matter of utmost importance concerning the accuracy and precision of my account record. The information currently associated with my account, particularly in reference to XXXX XXXX  with a balance owed of {$900.00}, is adversely impacting my credit report. I kindly request that you ensure the verifiability and appropriateness of this specific information, insisting upon its 100 % accuracy.

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 2023-02-20
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
There has to be a better way of doing business! I have been pushing this and pushing this for a rediculous amount of time! 
The mortgage company finally sent me the Assumption Agreement to me after my second complaint on XX/XX/XXXX. My instructions were it had to be dated, signed, notorized and returned within 15 days. Shouldn't they have the a simular timeline? 

XX/XX/XXXX Received assumption agreement. 
XX/XX/XXXX Returned back to SLS XX/XX/XXXX Received it back for complaint about the notory. 
XX/XX/XXXX Returned back to SLS XX/XX/XXXX Received it back for complaint about the notory XX/XX/XXXX Returned it back to SLS Now, XX/XX/XXXX they call and wake me up not even knowing what the name of the person they need to speak with. Preseed to ask for two of my attourneys that worked on this case over two years ago, asking me about an application! 
Why can't they just get my paperwork that is complete, finalized? This is beyond excusable!

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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The FCRA requires that Trans Union respond to all complaints in a timely manner : the allowed time for responding to this complaint expired XX/XX/2023. Allowing 45 days, gives Trans Union fifteen more days. Trans Union is currently in violation and continuing to violate the FDCPA, for they have already responded by sending me identical credit report dated XX/XX/2023 without addressing the complaint of XX/XX/XXXX. Trans Union is imposing a date on me that is a violation of the FDCPA dictates. Ill give them 15 daysno more. Any response made after 45 days from the date of my complaint will not be valid for me and all consumers. Allowing Trans Union 90 days is a violation of the FCRA. Therefore, I am reporting to FTC, CFPB, a violation currently occurring. The following statement was Trans Union 's response after not responding to the consumer 's complaint : We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty ( 60 ) days from the date you submitted your request. 

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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 


Account Name : XXXX Account XXXX has violated my rights. Or list of inquiries 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 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 2023-02-20
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/2022, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: EQUIFAX, 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 information incorrect

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint about four accounts that keep appearing on my credit report and that do not belong to me. The accounts in question are with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have never opened or used these accounts, and I have no knowledge of how they came to be associated with my name. I have made multiple attempts to have these accounts removed from my credit report, but they keep reappearing. 

This situation is causing me significant stress and frustration, as it is affecting my credit score and making it difficult for me to obtain loans or credit cards. I am also concerned about the potential for identity theft or fraud. 

I request that the Consumer Financial Protection Bureau investigates these accounts and takes action to have them removed from my credit report as soon as possible. I will provide any necessary documentation or information to support my claim. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Experian Information Solutions Inc.
State: TN
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've requested assistance with all three bureaus Experian, XXXX, and XXXX XXXX credit reporting agencies ( CRA ) and their subsidiaries as well as XXXX. I reached out numerous times in XXXX and 3 times this year, each time my credit score continues to decrease. I sent letters and called, which is a daunting task to say the least. My credit score went from XXXX to XXXX in XXXX and continues to fluctuate substantially. The CRA continues to report late payments when XXXX loans are deferred or in forbearance. The voluntary dismissed bankruptcy is in error as well. I never had a XXXX  account, a few other accounts are also invalid. I have requested to dispute old and erroneous addresses and personal information. I don't use alias names and these items are also incorrect. 
Please advise

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 2022-08-11
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened account with us bank on XX/XX/2022 with promotion where if I deposit XXXX within 60 days and keep the balance for 90 days, I will get {$400.00} but its been 9 months now and I called their customer service 4 times and every time the rep verified my promo eligibility and submitted the request to pay me the bonus, every time I was on call for at least one hour. They should be able to show my call history and details. I have still not received any call back or bonus. My account number is : XXXX. Please help me resolve this issue.

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 2017-08-04
Company: WHEELS FINANCIAL GROUP, LLC.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid off my loan on XXXX XXXX 2017 and overpaid by about {$100.00}. I have contacted the company multiple times to get my money back and was advised that t can take 20-30 business days for my refund to be processed. Unacceptable. They want their money asap and if they do n't get it on the due date they start harrasing you the very next day, but yet it is ok for them to hold your money for almost 2 months?? That has to be illegal. I want to report them for theft and shady business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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'm begging you to update this acount and I never had a reposesion on my account. you ASAP action greatly appreciated.

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