BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 received a copy of my credit report and am disputing some items that need to be deleted. I have listed the account, the opening date, and account number, when possible, below. The reasons why these items should be deleted are indicated below : ACCOUNT NAME : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX  XXXX 5. XXXX 6. XXXXXXXX 7. XXXX 8. XXXX XXXX According to the provisions of the Fair Credit Reporting Act these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity.

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 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion needs to remove any late payments associated with XXXX XXXX XXXX XXXX being reported because they are in violation of 15 USC 1681e, 15 USC 1666B, and 15 US Code 6802. 15 USC 1681e Requires credit furnishing companies to report accurate information to be in compliance. According to 15 USC 1666B Timing of payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Nothing was ever mailed or delivered to me no later than 21 days before any due date so any late payments pertaining to this account need to be removed from my credit report. If not please provide proof of mail no later than 21 days before due payment to be in compliance with the law. Provide proof of compliance of 15 USC 1666B or remove all late payments associated with this account According to 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A Financial al institution may not disclose nonpublic information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Provide proof that XXXX XXXX is in compliance with 15 U.S. Code 6802 or remove the late payments associated with 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 non-monetary relief
Consumer complaint received 2023-04-21
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
Good morning, I woke up this morning to find my checking account had been charged not once, but twice for {$380.00} from Advance Financial. I am late on payments, due to extremely difficult family circumstances, but to charge me twice? And the payment was more than the original payment agreement. Are they allowed to do this my law?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: EQUIFAX, INC.
State: NV
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 are not my accounts, nor did I authorize these companies to pull my credit. There are names on my credit profile in which I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: NJ
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:
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 - Incorrect I want this information to be reviewed because it does not belong to me and it is doing a lot of damage to my credit history.

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account was closed in XXXX as never late. They continue to act as the account is opened. And are reporting to the credit bureau 's as if the account is open. According to them the account was closed on XX/XX/XXXX. The balances are reporting different amounts as well. 


I have documentation and it will not let me upload it. Please contact me with email or link that I can send it to if necessary

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 2022-03-03
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was trying to purchase a new puppy online from a website called XXXX. However, I never received my dog because it was fraud. The seller continuously communicated with me about the dog and even sent paperwork for me to sign insuring my purchase. I felt that the seller could be trusted so on XX/XX/22 I made the purchase of {$850.00} for the puppy through XXXX. The seller even made me name the reason of payment as " XXXX XXXX '', the name of the puppy. As soon as I was aware of the fraudulent activity I contacted my bank PNC to dispute the transaction. About a week ago, when calling to check on the investigation of my dispute I was informed that my use of XXXX had been terminated. Today I was informed that my dispute claim had been denied because the bank decided that my claim was " false ''. My XXXX should not be turned off, the seller 's should. I have hard evidence proving that my above statements are true and the bank should credit my account. The FDIC has regulations against fraud by wire and this person is in clear violation of them. The website is currently still up and another person could potentially be scammed by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Radius Global Solutions LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received a call from Radius Global Solutions on a dept from The XXXX XXXX for part of a Silver Coin collection I never received. The Coin is called the " TEMPEST ''. The amount of the XXXX is {$53.00}. 
I never received a written notice and on a call I received from Radius GS on Wed XX/XX/XXXX stated the letter was " in the mail : and I hadn't received it yet because they have " Only just picked up the account '' in XXXX XXXX stated they had shipped the coin which was never received, then promised to " re-ship '' the coin, which once again was never received. I have told this to them a number of times. 

Now I have a collection agency calling my personal cell and have yet to receive any written formal notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and 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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, 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:
I recently looked at my consumer report and was very upset to see items that are a result of identity theft. I did not provide written authorization or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

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 2023-02-27
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. Cain & Weiner  Account 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 15 U.S.C 1681c. 9a0950 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 agency if the person knows or has reasonable cause to believe that the information inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX gave Rushmore Loan Management my loan to service. Even though they are a little bit better than XXXX, I dont care for this company. For about two years, they have been reporting a deferred interest payment as a balloon payment on my credit file. The deferred interest payment is {$6100.00}. They are a mortgage company, so they are aware that both are two different things. I do admit to falling behind due to medical illness since late 2017. But, I always bring my account up to date. My account has been up to date since late XXXX. But, on my XXXX file right now, they have my actual payment amount of {$1600.00} ; when my payment is {$760.00}. This is a false actual payment and should not be there. I requested a billing statement mailed to my home. They said that they sent it. But, I have not received one yet. I notified Rushmore that I won my property tax appeal. The escrow department said that I have to wait for a bill for them to modify my mortgage payment. 
I am so sick of them trying to make me and people like me pay more interest. I consider the fact that they are reporting false adverse information as discrimination. They want to keep me paying this ridiculous interest rate. But, I will be out of their clutches before the end of the summer!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX I switched phone companies from XXXX XXXX XXXX to XXXX. I paid my last bill in full to XXXX XXXX XXXX. I called and verified that I was clear of all debt and account closed, XXXX XXXX XXXX confirmed this. Within 1 year I received letters and phone calls about a XXXX XXXX XXXX dollar debt owed to XXXX XXXX XXXX that went to collections. I do not remember the name of the first collections company. Again i called and confirmed with XXXX XXXX XXXX and they told me they we're in no way associated with the collections company and that i owed nothing. 
Eventually after tons of harassment and me telling them I spoke with XXXX XXXX XXXX, they stopped. Now around 6 months or so ago, a new collections company is calling daily, sometimes twice, and has sent mailers as well. AFNI, is the name of the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Please substantiate your claims regarding information XXXX XXXX XXXX # XXXX. transmitted to credit CRAs for me, XXXX XXXX XXXX, regarding a so-called account. Since reporting errors may be vis-avis that reported data, I formally request that you mail this validated information within 15 days. Additionally include documentation which shows thatXXXX XXXX  XXXX complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from XXXX XXXX XXXX to the credit bureaus should be deemed discrepant and may indicate FIRST XXXX XXXX XXXX desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I XXXX : XXXX /agent to the principal did not authorize anyone from XXXX to collect on any debt pertaining to my principal in accordance with 15 usc 1681 b they will not stop trying to collect on said 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 2019-01-28
Company: Ocwen Financial Corporation
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: Information is missing that should be on the report

Complaint:
On XX/XX/2018 I filed a complaint with Owen Loan Servicing ( my Mortgage holder ) because I noticed on my credit report that they were not reporting to XXXX or XXXX, only to XXXX. Since I have an account with XXXX to monitor my credit for fraud, it was easy to get a report. I pulled my credit because I was refused, many times, for simply credit, like XXXX XXXX, XXXX XXXX, XXXX XXXX and even a business loan through XXXX XXXX  due to no credit history. Since XX/XX/2018 I have filed many more complaints. XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 and again in XX/XX/2018. To date, Owen insists they are reporting to all four credit bureaus and even sent me a confirmation number that none of the agencies can do anything with. I have confirmed with the XXXX & XXXX that Ocwen is still not report. This problem is affecting my life!!! Most companies check the credit bureaus other than XXXX and that is the only credit bureau that has any evidence that I have had a home loan for 16 years ... at the rate of {$4900.00} per month ... always on time. My credit score is XXXX but I can't get a credit card. PLEASE HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Experian Information Solutions Inc.
State: NJ
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: Other problem getting your report or credit score

Complaint:
am extremely frustrated and disappointed that I am unable to retrieve my credit report despite numerous attempts to do so. This is not only illegal but also a complete disregard of my rights as a consumer. As someone who values financial responsibility, I make it a priority to regularly check my credit report and ensure that everything is accurate and up-to-date. However, due to the credit bureau 's neglect and disregard for their responsibilities, I am unable to access my credit report, leaving me in the dark about my credit standing. This is completely unacceptable, and I demand that the credit bureau take immediate action to rectify this issue. As a consumer, I have a legal right to access my credit report, and any attempt to deny me this right is a violation of the law. Furthermore, the credit bureau 's neglect is not only inconveniencing me but also potentially damaging my financial future. Without access to my credit report, I am unable to take the necessary steps to correct any errors or inaccuracies, potentially resulting in a negative impact on my credit score and financial well-being. I demand that the credit bureau take my complaint seriously and take immediate action to rectify this issue. As a responsible consumer, I have taken the necessary steps to ensure that my credit report is accurate and up-to-date, and it is unacceptable that the credit bureau is neglecting their responsibilities and denying me access to this 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 explanation