BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-17
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:
I sent a letter on XX/XX/XXXX to remove XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again.,

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 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 checked my credit report last week and noticed multiple billing errors that fall under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

I am very aware of my rights as a consumer and find this very frustrating that I have to go through this problem when I have done no wrong on my end. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report. Or removed from my credit profile.

1. This account is invalidated/ inaccurate XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

This is aggravated identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: EQUIFAX, 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:
I sent a letter on XX/XX/XXXX to remove XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again.,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
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:
My name is XXXX XXXX. I did not authorize these accounts. These accounts a fraud. 
I sent my Notorized FTC report and PA Drivers license.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 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 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 2023-01-17
Company: Accurate Background
State: NY
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: Public record information inaccurate

Complaint:
XXXX XXXX and XXXX XXXX XXXX. According to 15 United States Code1681 which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the law. According to 15 USC 1681s-2B ( A ) Reporting information with actual knowledge of errors. After receiving a condition job offer from XXXX XXXX  on XX/XX/2023. I commence to participate in a background check on XX/XX/2023. I received an adverse letter XX/XX/2023 stated there was criminal findings on my consumer report. Due to this information my employment has been rescinded. After carefully examining The report I discovered inaccuracy alone with fair reporting act violations. Consumer reporting information must be updated and accurate according to law. I Filed a disputed with credit reporting agency on XXXX, XXXX, XXXX. Filed a complaint with XXXX  on XX/XX/2023. The Employer ( XXXX XXXX  ) Also Executed am illegal background check with open ended investigation ( By law companies only have a 7 or 10 year parameter ) that showed damaging information from XXXX XXXX ( A Discharged Case ). Which by law should have not been seen by my Employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I open a Victoria Secret 's card in XXXX of XXXX with a limit of XXXX and used it fairly often since. I have always paid over my minimum payment and have never made one late payment, I have even made double payments multiple times. On XX/XX/XXXX I had about XXXX in available credit so I made a purchase online for XXXX, which should have put my balance up to about XXXX. At XXXX with a credit limit of XXXX I should have still been under the limit. On XX/XX/XXXX I recieved and email stating I received a secure message to log in to my card account to view. When I check this message dated XX/XX/XXXX it states my credit is being decrease to XXXX claiming because of a change to my credit score. The next day XX/XX/XXXX I recieved another email stating my statement closing XX/XX/XXXX is ready to view. So I check it and I see the new decreased credit limit is showing on this statement ( two days prior to the letter ), and that I have available balance of XXXX dollar as of XX/XX/XXXX. I'm very confused for two reasons, first because well ok credit scores change all the time, but there are mistakes all the time. I understand credit companys use these tools to decide who and who not to extend credit to but I not applying for a new card I am card holder for close to a year now and I have proven to this company my credit worthiness with early and over minimum and even double payments. I have never gone over my limit or made a single late payment. How exactly does a random change to my credit score nullify all of that. Secondly why did my account show my limit as XXXX on XX/XX/XXXX if it had already been decreased? And why was I not notified until the XXXX? Why would a company lower my limit the same day or two days after ( which ever is actually true ) that I made a purchase that left my account balance over XXXX dollars over my new decreased limit? This bank has completely screwed me over, now I am going to be forced to pay close to XXXX by my next bill closing date just to be barely under my limit so I don't recieved an over the limit fee, an extra charge and my credit will not be dropped to a lower score because I have used all of my available credit. This is wrong, I can not believe this is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Genesis FS Card Services, 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:
XXXX XXXX  XXXX KNOWINGLY AND PURPOSEFULLY ENGAGED IN THE UNLAWFUL USE OF MY CREDIT CARD ( SSN ) PURSUANT TO 15 USC 1602 . WHICH IS ALSO AGGRAVATED IDENTITY THEFT. BEFORE, DURING, OR AFTER THIS TRANSACTION THE PERTINENT FACTS OF THE MATTER WERE NOT SET FORTH IN A CLEAR, CONSPICUOUS, OR REASONABLE MANNER. THAT MEANS I NEVER RECEIVED ADEQUATE NOTICE MAKING IT IMPOSSIBLE FOR ME TO UNDERSTAND ANY AGREEMENT ( S ) MAKING THEM NULL/VOID. I WASN'T AWARE THAT XXXX XXXX XXXX WOULD BEREPORTING ANY DETAILS OF OUR RELATIONSHIP TO ANY 3RD PARTIES ( CREDIT BUREAUS ) WHICH IS A DIRECT VIOLATION OF MY FEDERAL RIGHTS. IVE BEEN DENIED EXTENSIONS OF MY OWN CREDIT IN EXCESS OF WELL OVER {$100000.00} ( XXXX XXXX XXXX XXXX  ), IVE EXPERIENCED UNNECESSARY PAIN AND HARDSHIPS AS A RESULT OF XXXX XXXX INTENTIONAL NEGLIGENCE AND DEFAMATION OF MY CHARACTER. 

Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: Consumer Portfolio Services, Inc.
State: MN
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 Called and made a complaint on XX/XX/XXXX and XX/XX/XXXX, but no one was able to help me. They couldnt find an application on file with my social security number. 

Someone ran my credit twice on XX/XX/XXXX for Auto financings, which I did not authorize. Im looking to get these HARD INQUIRIES removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In 2019 I filed Bankruptcy, it was dismissed and a few months after that, I noticed it was placed on my consumer reports. XXXX, Equifax and XXXX. I called each Consumer reporting agency and made them aware that I did not authorize them to furnish any information about me on my consumer report. XXXX removed the Bankruptcy while the other two did not. They told me it was verified. I asked verified through whom? They began to tell me that the court verified the Bankruptcy. I wrote a letter to the court asking them do they verify Bankruptcies and if so, whats is the process. The court wrote me back and said they do not verify Bankruptcies at all. Now, under 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy and 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction. I did not at any time give the reporting agency my permission to furnish any information about me on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This information reporting on my credit profile is inaccurate and I would like you to validate that it belongs to me per the accounts below. 

XXXX : XXXX XXXX Original creditor : XXXX XXXX  {$800.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account XXXX  XXXX Original creditor : XXXX XXXX XXXX {$520.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % Balance on XX/XX/XXXX Original balance {$520.00} EQUIFAX : XXXX XXXX XXXX Original creditor : XXXX  {$520.00} Balance updated Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on Original balance {$520.00} XXXX : XXXX XXXX Original creditor : XXXX XXXX 
{$520.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
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: Account information incorrect

Complaint:
XXXX XXXX ACCOUNT XXXX XXXX WRITTEN OFF : XXXX. XXXX XXXX : XXXX Last payment : XX/XX/XXXX Was a XXXX credit card from XXXX. 
Numerous attempts for them to validate through XXXX. XXXX nor XXXX provided me with any documentation as to why it is not being removed. Has been written off as loss and sold to another debt collector in XXXX. I never received documentation for it to be taxable income in XXXX due to the write off. They have written it off and sold it. Did not provide date of last delinquency when asked as it will show that it is over statute of limitations for reporting and can not be validated. 
Inaccuracies in payment history with all three bureaus, original account limit was not XXXX that is false. Both the credit bureaus and community capital are in violation of accurate reporting guidelines. XXXX XXXX was contacted and could not find original account. Credit bureaus do not provide a phone number for comenity capital.

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 2021-08-25
Company: EQUIFAX, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear Equifax, The tradeline XXXX is currently reporting fraudulently with incomplete, false, inaccurate, and unverifiable data. This is after CRA 's and one furnisher stated that the account is verified accurate and complete on XX/XX/XXXX. There are still many inaccurate data on my report. I would like this deleted immediately and update CRA 's and furnisher. If furnishers are contacted, please provide name, address, phone for this reinvestigation. If documents or data used to determine your review, please share. Basically I would like the procedures of reinvestigation for my file disclosure that pertains to me. 

1. account name and number XXXX : XXXX XXXX wrong : Its XXXX  and number XXXX. 
2. date opened : XXXX wrong : Its XX/XX/XXXX - see attached 3. The balance - XXXX : There should be no balance if original creditor transfer it. XXXX is not the furnisher and the CRAs can assemble the report. Who is reporting this tradeline 4. Payment is info is reporting wrong from XX/XX/XXXX to XX/XX/XXXX ( increments from XXXX to XXXX to XXXX to XXXX ) 5. status date of XX/XX/XXXX is wrong. there should be no activity after closing date of XX/XX/XXXX. 
6. sold the house and payoff the mortgage in XXXX XXXX see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
I purchased a XXXX XXXX XXXX from XXXX  XXXX XXXX on XXXX/XXXX/2019. I paid {$7000.00} cash, traded vehical for {$3200.00}, and financed {$25000.00} through the dealership / XXXX XXXX XXXX. In XXXX 2019 I received a title in the mail with 2 liens listed. The bank i financed from and bank of America. I went back to dealership  and they said they would take care of it and check with DMV in 2-4 weeks. I contacted DMV for several months waiting for an update and they stated they have no received a lien release. I contacted the dealership again and was advise they are no longer in business. I tried contacting Bank of America, XXXX XXXX, DMV, District Attorney, State District Attorney, XXXX, etc and have been unable to resolve this. I'm not sure how the car was registered to me without a lien release. All my paperwork states XXXX XXXX is the sole lien holder when I purchased this. I don't understand how the dealership could sell the car without paying the lien off and taking my cash and XXXX XXXX check and close down leaving this unresolved. I'm not sure who the other lien holder is. XXXX XXXX should be the only lien holder and has collateral on the vehicle. I need this resolved ASAP. I looked into similar situations and it appears the owners are scamming people and just continue to open and close dealerships leaving situations like mine unresolved. This is fraud.

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 2023-09-11
Company: Shellpoint Partners, LLC
State: NY
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:
My credit report is showing late payments to SHELLPOINT MORTGAGE XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or SHELLPOINT MORTGAGEs customer service representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
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: Account information incorrect

Complaint:
Regarding TransUnion credit reporting agency, for over a year now, I have called their Dispute department repeatedly, submitted on-line disputes into their system directly, and have written to their CEO directly as recently as XX/XX/XXXX, pleading that they update my Chapter XXXX Reorganization status from FILED to DISCHARGED. 

I am suffering from a low FICO score - this impacts my job prospects and lending underwriting. I was a victim of HOA abuse and banking illegal foreclosure which resulted in my Chapter XXXX Reorganization filing in XX/XX/XXXX, upon the advice of counsel, to protect my estate. It has taken me five ( 5 ) years to improve my credit - I am now over XXXX. Yet, TransUnion is interfering with my healing and recovery - continuing the abuse and violations I have suffered. 

As a result of their overt negligent mismanagement of my credit file, even considering all the opportunities I gave them to fix my record, I was just declined for a vehicle loan as a result of my TransUnion credit report. The dealer specifically called out that the Bankruptcy was listed as FILED which was the cause. Even when I gave the dealer a copy of the courts Final Decree - Case Closed, same as I gave the TransUnion, they were adamant that they must go by the credit report BK status, even if it 's incorrect.

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 2023-09-11
Company: Selene Holdings LLC
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
Our home was foreclosed on in XXXX. I truly believe there was fraud involved and now Im losing my home. I need someone to look at the accounting and help me out. XXXX XXXX XXXXXXXX told us to not make payments to get our loan to where we could modify. This was the beginning of a long drawn out battle. After that, they would not let us make payments which continues to incur late fees, interest, etc. We were part of countywide, XXXX XXXX XXXX and then sold to Selene finance in the middle of modification. Selene finance made us start a whole new modification and did not honor the XXXX XXXX XXXXXXXX mod. Selene finance did not allow our modification even with significant income and the 40 year fixed by biden. XXXX XXXX XXXXXXXX bought the home at auction. We had no idea it had been sold until a realtor showed up at our door. We were still trying to modify. The accounting does not add up. My husband is in stage XXXX XXXX and stage XXXX XXXX XXXXXXXX. I have XXXX children. Im at a loss. Please let me know services you provide. I have all documents for forensic auditor. This has been my home for 22 years. I raised my kids here and throught I would have grandkids here. It doesnt seem right m. Soenthing was mishandled and I believe that with all my heart. They would not let me pay after begging them to at least start paying on mortgage. Please please help. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 a victim of identity theft and I keep sending documents over and over for them to 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 non-monetary relief