BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
As I investigated my credit report, I found out that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Kindly ensure the accuracy of the account mentioned here in my complain. As a matter of fact I am not agree with this. I demand for your immediate correction and please investigate this unverifiable account : XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX, 2019 Balance {$16000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 see that same information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$6100.00}

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 explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
There are multiple inquiries that I never authorized or know about

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 2022-02-19
Company: ERC
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: Their investigation did not fix an error on your report

Complaint:
good evening. tonight I decided to submit a complaint on credit reporting agency experian for failing to comply for a deletion regarding a collection agency enhanced recovery. erc has not validated the alleged debt they are claiming under my name. I have sent erc debt validation letters on XXXX different occasions to XXXX different adresses and I have still not received no proof that I owe them anything. I have attached proof to this complaint showing all the dates, letters, correspondence from XXXX and XXXX letter from erc ( they didn't even acknowledge my validation letter that I sent ), all envelopes showing I sent the validation letters certified and even a printed copy from the XXXX postal service website showing they in fact received my XXXX letter and still have not replied let alone provide proof. erc received my letter XX/XX/XXXX and it is now XX/XX/XXXX. I know there are laws and rules that protect consumers from debt collectors and there illegal practices under the XXXX and experian is at main fault because they keep reporting this unvalidated account going against the fcra by reporting this. I have provided all the proof experian needed to delete this account and they still leave it on my report. I am exhausted. I have been dealing with this behavior from experian and erc since XX/XX/XXXX and I have had enough. I have no choice but to come to your website to file a complaint. there illegal practices and unproper procedures are causing me so much stress because I can't get approved for any credit lines. XXXX had deleted this account so I dont understand what experian has that XXXX didn't when only XXXX furnisher reports these items on reports. I have also heard about the new laws that has been taken place XX/XX/XXXX and erc is facing serious violations and so is experian.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
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: Information belongs to someone else

Complaint:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX 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 explanation
Consumer complaint received 2021-10-22
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 Convergent OutsourcinXXXX sent me a letter saying that I owe {$150.00}, which originated from XXXX ( tv, phone, etc. ). I have never had an Optimum account in my life. My father ( same name, different middle name ) has, and he and I confirmed that the XXXX account number matched his old account. However, Convergent refuses to transfer the debt to my father 's name/Social Security number. They say it was reported under my Social Security number, so I am responsible for it. 

Neither he or I have a problem paying it, just to make it go away, but I'm afraid that if I pay it on his behalf, it will show negatively on my credit report for 7 years. I'd prefer that Convergent and XXXX take responsibility for their mistake and make a correction immediately. Neither of them are owning up to the mistake or offering a solution.

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 2023-01-17
Company: Fidelity National Information Services, Inc. (FNIS)
State: CO
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:
Chexsystems has knowingly been reporting inaccurate information to banks and reporting agencies in reference to my social security number. Ive disputed and had fraud alerts, police reports sent into them concerning someone having an active account at multiple banks within XXXX Georgia in my name but under different social.

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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-11-27
Company: CHARLES SCHWAB CORPORATION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I initially opened the account, in branch, in XXXX XXXX, approximately in XXXX and had an off and on ongoing relationship with Charles Schwab checking, and brokerage accounts. Recently the account was re-opened, but then closed several days later under my previous login ID XXXX and connected to email XXXX. Now, I re-opened under XXXX and again the account was opened, and accepted, and at the point of funding, yet there seemed to be some challenge in logging in. I called the information line was informed that the contact information was changed ( i.e. the information I registered the account with just days before was not the information on file ). Further, I currently hold multiple similar accounts, and this is not a credit account, but instead a self-financed, non-credit, liquid account, it is absolutely XXXX, and " red-lining '' to prematurely close, after opening, and providing the opportunity to fund, and seemingly retaliatory, and discriminatory, as I submitted a note that I was concerned that my previous login, XXXX was taken, and could potentially be part of identity theft issues ( and other related concerns as I'm suing XXXX XXXX XXXX for similar, and perhaps related concerns ). See Austin v. Tesla, et. al. 3:20-cv-00800 ( currently in 9th Circuit ) analogous to {$160.00} XXXX  Dollar lawsuit won for Plaintiff in XXXX XXXX of California XXXX ( Very similar underlying causes of action, stated facts, and proof ), Chopourian v. Catholic Healthcare West , No. 2:09-CV-02972 ( E.D. Cal. Feb. 29, 2012. Also, similar concerns to Austin v. Atlina et al 4:20 cv 06363 ( Civil Rights, Retaliation, Aiding and Abetting ID Theft, Privacy, HIPAA violations, Fraud, Negligence Per Se, etc. ).

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to express my frustration and extreme annoyance at the continuous ignorance of my requests by your bureau. It is beyond reasonable that despite my repeated attempts, these critical matters concerning my credit report have not been addressed promptly. I want to emphasize that the other credit bureaus have already acknowledged errors in reporting and have promptly removed the disputed accounts from their databases. Additionally, a legal identity theft report has been filed with a federal agency, and the respective creditors have explicitly confirmed their commitment to removing these accounts from my records, absolving me of any liability. ACCOUNT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This continuous delay in addressing my concerns, despite clear evidence and actions taken by other credit bureaus, is unacceptable. I expect immediate compliance with the Fair Credit Reporting Act ( FCRA ) and demand confirmation in writing once the necessary corrections have been made. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).

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 2023-08-01
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:
Dispute and Request for Thorough Investigation - XXXX XXXX XXXX and XXXX XXXX  Dear Experian Dispute Department, I am writing this letter to formally dispute the inclusion of two accounts, " XXXX XXXX XXXX  '' and " XXXX XXXX, '' on my credit report. It is crucial to clarify that the " XXXX XXXX XXXX '' account has been cancelled, and I no longer have any financial responsibility associated with it. 

Additionally, I want to highlight that the reporting of " XXXX XXXX '' has inaccuracies in its payment history, which is filled with numerous " ND '' ( no data ) entries and years of missing positive payment history. These discrepancies adversely affect my credit report and creditworthiness. 

The " XXXX XXXX XXXX '' account has been properly cancelled, and I do not hold any responsibility for it anymore. Therefore, it should not be included in my credit report as an active debt. 

As for the " XXXX XXXX '' account, the payment history reported is invalid due to the presence of multiple " ND '' entries and the omission of several years of positive payment history. This inaccurately portrays my creditworthiness and financial responsibility. 

I have attached relevant documentation to support my dispute, and I request that Experian conducts a thorough investigation into both accounts. It is essential to rectify any inaccuracies and ensure fair and accurate credit reporting. 

In accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ), I expect Experian to conduct a timely and comprehensive investigation into the disputed information. 

To comply with FCRA Section 611 ( a ) ( 2 ), I request Experian to mark both " XXXX XXXX XXXX  '' and " XXXX XXXX '' accounts as " In Dispute '' during the investigation process. 

I anticipate a written response from Experian once the investigation is complete. If the reported information is found to be inaccurate, I request the immediate removal or correction of both accounts from my credit report. 

Please ensure that any updates to my credit report are made within the timeframe specified by FCRA Section 611 ( a ) ( 1 ) ( B ). 

Feel free to contact me at XXXX for any further information or clarification required. 

Thank you for your attention to this dispute, and I trust that Experian will handle this matter diligently and rectify the reported inaccuracies promptly. 

Sincerely, XXXX Enclosures : - Evidence of " ND '' entries and missing positive payment history for " XXXX XXXX '' account

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 2021-10-22
Company: NCB Management Services Inc.
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:
NCB MANAGEMENT SERVICES stated that I obtained a loan from XXXX XXXX XXXX XXXX on XXXX XXXX in the amount of {$1800.00}. I have never received said such loan. I was a victim of fraud and have tried to explain that to the collection company, I have asked them to validate the debt, and they have never provided me validation. NCB MANAGEMENT SERVICES only wanted me to send them a copy of my drivers licensee. I'm not understanding the law. How can people just get my information open up accounts and I have pay for this. I need to have this addressed. I continue to dispute the account and they say it's my account. they have called an harass me about the account and would never provide me a contract of the debt..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was in a forbarance.. And have been having issues with my OLD lender mr. Cooper please see the time line issues with them.. 
Basically they want me to pay them twice one to the Department of HUD and ONe to Mr. Cooper becuase they want double payment.. Becuase of this i have not been able to close my refinance and lost good interest rates due to their lack of attention.. 

1. Did forbearance with Mr. Cooper..

2. They added it to the payoff as a lender expense for the $ XXXX XXXX. They then sent me a partial claim DOT from the Department of HUD to sign in XX/XX/XXXX. They did it wrong so made me resign it again in XX/XX/XXXX. I pulled a prelim so I can clear some of my mom judgements on my home since she passed and it wasnt showing anything. 
6. Then XXXX lent me the money in XXXX so I had new things recorded the prelim still didnt show anything so I didnt worry about the payoff showing the lender paid expense because I knew it was for a forbearance. 
7. Well when I order the payoff for you and an updated prelim all of a sudden there was a new lien on my title it was from the department of XXXX for the forbearance.. 
8. I then called them and they told me that I had to pay them for the Partial claim lien 9. Mr. Cooper refuses to remove the lender paid expense because they claim they didnt get paid from the department of hud 10. I sent them numerous email request to remove it showing the payoff from XXXX. 
11. Mr. Cooper Is playing XXXX and still wants me to pay them the XXXX as well as XXXX. 
12. They arent the lien holder so I told them no to remove it and they are telling me NO.. 
13. Someone is trying to get double paid. 
14. I just found out that XXXX Paid them off back on XXXX of XXXX  so they should never be showing the XXXX on their end it should be paid to the department of HUD because of them things caused issues with my loans and lost of good rates and now have to refinance with a higher rate becuase i have been doing their job,

Company response to consumer: Closed with explanation