BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting 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:
I have recently discovered that my income has been wrongly included in my credit report, which is a violation of the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). I would like to draw your attention to the Internal Revenue Service ( IRS ) guidelines regarding the reporting of cancelled debt as income. As per the instructions found in the 1099-C form for the debtor, cancelled debt is required to include the amount as my income.INCOME is not be reported by consumer reporting agencies. However, I have noticed that this incorrect reporting of my cancelled debt which is my income has occurred on my credit report. The account that is to be removed is XXXX XXXX XXXX  {$4800.00}. This error made by the consumer reporting agencies not only misrepresents my financial situation, but it also has significant consequences for my creditworthiness and financial standing. I believe that this misinformation may lead to potential adverse effects, such as denial of credit, higher interest rates, or inability to secure loans or housing. In light of this issue, I kindly request your intervention to ensure the immediate removal of this inaccurate information from my credit report. I am aware of the rights and protections granted to me under the FCRA, and I trust that the Consumer Financial Protection Bureau will act accordingly to rectify this situation. I have attached copies of the relevant documentation, including the 1099-C form as per the IRS guidelines XXXX to support my claim and provide evidence of the inaccurate reporting. I kindly request that you investigate this matter promptly and take appropriate action to correct the error.Please note that there is no federal law stating that I have to give my SSN to a consumer reporting agency to prove who I am. I have attached my ID.

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 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I paid off my mortgage. I am requesting that the company mark my Credit report as Paid in Full. I had filed Bankruptcy XXXX but the mortgage was not included. That was XXXX in 2017. I have attached documentation from the mortgage servicer that is was paid in full and also the wire transfer document.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED 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 2022-11-01
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: AFNI INC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This number ( Afni debt collection ) has called me every day during weekdays for the past 2 weeks. I have blocked the number but they are still able to leave a message. I already told them that they have the wrong number for the person they are trying to reach. They have not ceased calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Violation of my FCRA/ NCRA . Consumer rights act by reporting Derogatory marks of inaccurate late payment reports that has yet to be properly reposonded too

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 2018-07-30
Company: Convergent Resources, Inc.
State: AZ
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: Problem with personal statement of dispute

Complaint:
From XX/XX/2018 to XX/XX/2018, multiple credit report dispute letters were sent out.Contained in this dispute were requests to verify accounts on my report via copies of the original creditors ' documentation with my signature on file. These requests have been overlooked and unverified items remain on my credit file. 
Under FCRA Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) it is required in order to properly verify any account on my credit report, original documentation with my signature must be provided. Section 611 ( 5 ) ( A ) of the FCRA states that if TransUnion is unable to properly verify the accounts in question in 30 days, they must deleted from the credit report immediately. These companies have failed to comply with all of the above. Verification method was not provided.

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 2023-11-13
Company: MOHELA
State: KY
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:
My student loans were transferred to MOHELA this year. 

I submitted an application for an XXXX XXXX XXXX plan on XX/XX/2023. 

MOHELA failed to process my application ( it's listed as pending as of XX/XX/2023 ). 

I have received multiple, conflicting bills and information. A few days ago I received a letter from MOHELA stating they put my account into forbearance. No explanation was included. I did not request such an action. 

MOHELA seems incapable of providing me with the most basic information, such as a monthly payment amount, due date, and status of my XXXX application. MOHELA has effectively sabotaged our household financial plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I have made contact with XXXX, XXXX and TransUnion 45 days prior to filing a complaint. I have yet to receive a response. 

section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

Accounts : 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 2020-04-14
Company: Shellpoint Partners, LLC
State: NM
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had my hours cut due to Covid-19 was having trouble making my mortgage payment tried calling mortgage company for several weeks in XXXX filled out loss mitigation forms online said someone would call back in 3-5 days nobody did. On XX/XX/2020 I lost my job tried calling again for several days finally got ahold of someone on XXXX XXXX was told I had to take a forbearance right then no paperwork or it wouldnt include XXXX and they would report us to the credit bureau and we would owe XXXX now we are getting papers in the mail to fill out proving hardship threatening forclosure and nothing at all about following the CARES act We have a VA backed loan Our mortgage company is Shellpoint Mortgage Servicing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Re : Demand for Deletion of Unvalidated Debt ( Account # : XXXX ) To Whom It May Concern, I am writing to demand the immediate removal of a debt item listed on my credit report by XXXX XXXX XXXX, which has failed to be validated as required by the Fair Debt Collection Practices Act ( FDCPA ). 
Per my rights under the FDCPA, particularly sections 809 ( a ) and 809 ( b ), I sent a certified letter to XXXX XXXX XXXX that was received at XXXX am on XX/XX/2023, requesting comprehensive validation of the referenced debt. This letter explicitly demanded the following : 1. A complete and itemized statement of the alleged debt, including the original contract or agreement. 
2. Proof of XXXX XXXX XXXX 's authority to collect this debt, including evidence of the assignment or purchase of the debt. 
3. Detailed account activity, including the date of last payment or charge. 
As of today, XXXX XXXX XXXX has not provided any of the requested information. This failure constitutes non-compliance with the FDCPA, which states that a debt collector must cease collection efforts until they have provided adequate validation of the debt when requested by the consumer. 
In light of their inability to validate this debt, I assert that its continued presence on my credit report is unwarranted and constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that only accurate and verified information be reported. Unvalidated debts fall short of this standard. 
Therefore, I demand the following immediate actions : 1. The complete and permanent removal of this unvalidated debt from my credit report.

2. Written confirmation of the debts removal and an updated copy of my credit report upon completion.

Failure to act on this demand may compel me to take further action, including seeking legal counsel for potential violations of the FCRA and FDCPA. 
Please treat this matter with the urgency and seriousness it deserves. I expect a written response confirming the deletion of this item within 30 days. If the collector claims that the file was sent, please provide proof of delivery such as tracking number.

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 2021-08-12
Company: Experian Information Solutions 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:
On Monday, I spoke with XXXX XXXX, VP Lending department at XXXX XXXX XXXX, he informed me that these XXXX [ XXXX ], had point a Lock and or a Frozen my Credit Report information. Listen up XXXX, XXXX Lock. Freeze my XXXX Credit Report, whoever you within XXXX, you XXXX XXXX youre Not Stopping me, listen up Im ALL Ready in court with a Big Case Im litigating, Im Not certain as to who you are within XXXX, in Federal court Im going to personally sue you and get you a go jail card, you XXXX XXXX XXXX XXXX XXXX youre Not Stopping me. Hey XXXX you did think I could do, you XXXXXXXX XXXX, that XXXX XXXX XXXX XXXX XXXX VISA account, better get that XXXX OFF my Credit Report, Purge this XXXX off my Credit Report, Im loving it, Im the XXXX Boss Now, XXXX XXXX XXXX out, XXXX XXXX ( XXXX ) XXXX out, XXXXXXXX XXXX XXXX out, XXXX XXXX that XXXX {$15000.00}, XXXX out, XXXX XXXX XXXX, {$11000.00}, XXXX  out, Im a the XXXX XXXX man XXXX, this is funny, XXXX XXXX  Im paying this TradeLine off before the XXXX of XX/XX/2021.

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I appreciate the actions taken by the credit bureaus in removing ALL the previous fraudulent inquiries from my credit reports. However, I still have one concern remaining in my TransUnion Credit Report. I found this one troubling inquiry in my mentioned credit report. I am once more asking the TransUnion for Inquiry Removal of this one inquiry : TRANSUNION : XXXX XXXX  XX/XX/2023

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 2019-06-22
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint involves the collector, GRANT & WEBER and their ACCOUNTS, XXXX, AND XXXX appearing on both XXXX and XXXX  credit files of mine, POST-DISPUTE. 
The original creditors that sold these debts to GRANT & WEBER were medical service providers that treated me often under emergency conditions.Because at various points I became XXXX and XXXX XXXX, the providers had a duty to do their required part of EMERGENCY MEDI-CAL so that after sufficient recovery I would be able to meet the XXXX requirements of coverage by completing my part.This was not done by the care providing party whether we were in a hospital environment that had a staff social workers or in a clinic where staff that handle insurance could have made themselves available to handle this paperwork.This provider documentation is an everyday business problem of the original creditors ... .Instead the service provider ( s ) billed me personally without regard for my medical condition and even the ability to care for myself.The characters, Grant & Weber habitually verify or " certify '' in @ 24 hours have no regard for me or this system of complaint.ALL GRANT AND WEBER ACCOUNTS SHOULD BE DELETED IMMEDIATELY FROM MY CREDIT FILES.

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 2020-10-12
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
i have already summitted many disputes on this account that is not mine Experian keeps putting verified with out sending any proof that the account is mine.

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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
My personal information was pulled without my consent. My XXXX page was hacked on XX/XX/2023 and my information has been compromised.

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 2023-02-05
Company: Affirm Holdings, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XXXX has sent me over XXXX emails since XXXX  regarding a debt that I have asked them to send information to my address on file and validate the debt is mine by providing a signed contract etc. They only validated the debt via email and continue to send emails to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
SYNCHRONY BANK / AMAZON has illegally reported my transaction history to all XXXX credit bureaus without permission or without requesting my formal consent. SYNCHRONY BANK / AMAZON also sent letters of judgment with XXXX  to sue me, after creating predatory interest rates during the pandemic. 

SYNCHRONY BANK / AMAZON is in violation of the Fair Credit Reporting Act, 15 U.S. Code 1681 a Sec. ( 2 ) report containing information solely as to transactions or experiences. 

According to the FCRA 15 U.S. Code 1681a Sec. ( 2 ) a. 1 Exclusions.- Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include - a report containing information solely as to " TRANSACTIONS '' or experiences between the consumer and the persons making the report. 

SYNCHRONY BANK / AMAZON parked this debt as a charge-off with transaction transparency which is illegal. I was not contacted or made aware of this being reported to my consumer report prior to the account being placed on it. The FTC vs XXXX XXXX XXXX court ruling decided that " debt parking '' is illegal. Consumer law states that reporting transactions without consumer consent are also illegal. I have reached out to the company and have been completely ignored and they have ignored the laws as well.

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 2023-11-03
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Delete Eastern Michigan in 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 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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