BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-28
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: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern, This letter is a formal complaint that you are reporting " INACCURATE '', " INCOMPLETE '' and " UNFAIR '' credit information. 

According to the Fair Credit Reporting Act, 15 USC 1681. ( a ) ( 4 ), consumer reporting agencies are required by federal law to exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

I am distressed that the Credit Bureaus have included inaccurate, unfair, and incomplete information in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely " ACCURATE '' and " FAIR ''. The following information therefore needs to be blocked and removed! 


1. Please block and remove this INACCURATE and UNFAIR data on my credit report. Chapter XXXX Bankruptcy Case Number : XXXX 2. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 3. Please block and remove this INACCURATE and UNFAIR data on my credit reportXXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 5. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX XXXX XXXX Account Number : XXXX XXXX. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX Please see the following exhibits in my one single attachment. 

Exhibit A : XX/XX/2021 See below evidence that the US Bankruptcy Court of XXXX District of New York does not report to any of the agencies. 

Exhibit B : XX/XX/2021 I have opted out of XXXX XXXX, which houses bankruptcy data. 

Exhibit C : XX/XX/2021 I received a letter from XXXX XXXX that this information was removed from my file. 

As you can see from the above exhibits, this evidence supports that the proper procedures and fairness have not been maintained.

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 2023-07-20
Company: Experian Information Solutions Inc.
State: NE
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:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this 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 2022-12-23
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:
XXXX is reporting incorrect information and is a result to me being homeless. I have disputed the following : * XXXX- I have never lived there my wallet was stolen. They didnt fill out my debt validation request. They have a old Driver licenses that got stolen. I have a police report. XXXX removed this debt * XXXX- I never lived in Texas XXXX All the have is documents that they claim match my signature. This is also false. XXXX and Experian removed this debt. 

* XXXX XXXX- This company does not respond to me. This was removed on Experian. This is a false claim * XXXX XXXX This debt was paid and settled. I provided them receipt and they still wont remove. Its been over 60 days

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 2022-03-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have let Kohls know of my charge was incorrect they were supposed to close mine and send a new one they never did. They also put it in dispute back and forth and tried to put on all these late charges and never took care of the dispute 2 of the disputes one for XXXX and XXXX were never taken off and while on dispute they charged me a higher late fee of XXXX. They have me still owing XXXX which is not correct.I have contacted XXXX XXXX which in return she sent it to a XXXX who called and was very rude almost threatening me. Please look into this as they have not helped me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 account and my personal information was used by fraudsters to gain access to my checking accounts. They also had access to my debit cards information including my PIN. It was easy for them to compromise my bank accounts. Twice XXXX XXXX XXXX XXXX has closed my checking accounts, and in three occasions they have cancelled and reissued my debit cards this year alone. As a result of this theft and my account being compromised I couldnt meet my obligations to my creditors on my due dates as the money meant to pay my creditors were withdrawn before my monthly payments were processed. So the funds that were meant to take care of my bills had disappeared from my account. This also led to my accounts being late for the first time with a number of creditors reporting late on my credit I have worked very hard to build. I now have a new checking account from XXXX XXXX and I am just now trying to restore my credibility back up. The Creditors affected are : XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, My line of credit with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX, and my utility bills. 
I contacted each creditor to request that they show understanding, due to the theft that happened to my checking account on XX/XX/2023, with proof from my bank XXXX, not to report any late credit reporting on my credit report as I work hard to catch up with my payments. But as it turned out they still went ahead and reported those late payments. As a result of this terrible incident my credit is now at its lowest best and have dented my hopes of doing business that will bring in revenue for my livelihood and that of my family. I am therefore requesting with immediate effect that these lates be removed immediate from 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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Experian Information Solutions 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:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. 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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Transunion : 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 : XXXXXXXX XXXX XXXXXXXX XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Transunion XXXX XXXX, has violated my rights .

I have already disputed these items with the bureaus, but they did not remove them, nor prove validation under Sec. 609 FCRA.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I think the loan was overpaid. I can not access the statement to see and haven't received a check for the overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I requested that my payment plan and monthly payment amount be returned to what it was before the XXXX forbearance period. I was harassed by continuous email reminders to re-certify my income for IDR plan even though I later found out that this was not required during the XXXX forbearance period. I submitted an IDR income re-certification, and now my payment plan is {$100.00} more than before the XXXX forbearance period and they applied one more month of administrative forbearance to my loans, which adversely affects the number of eligible payments that will count toward PLSF. I feel cheated by FedLoan and their inability to promptly respond to correspondence. In addition, more than three months have gone by since I requested that FedLoan return the payment I made in the beginning of the XXXX forbearance period. I have yet to receive any correspondence acknowledging the request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-23
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:
XXXX is reporting incorrect information and is a result to me being homeless. I have disputed the following : * XXXX- I have never lived there my wallet was stolen. They didnt fill out my debt validation request. They have a old Driver licenses that got stolen. I have a police report. XXXX removed this debt * XXXX- I never lived in Texas XXXX All the have is documents that they claim match my signature. This is also false. XXXX and Experian removed this debt. 

* XXXXXXXX XXXX- This company does not respond to me. This was removed on Experian. This is a false claim * XXXX XXXX This debt was paid and settled. I provided them receipt and they still wont remove. Its been over 60 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18
Company: Mr. Cooper Group Inc.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2022 XXXX XXXX sent me information about a couple in XXXX XXXX FL. 
I have a lot of information on them now as this company screwed up again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: R & B Corporation of Virginia
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/XXXX, CREDIT CONTROL CORP issued notice to the credit bureaus indicating I owe {$270.00}. 

On XX/XX/XXXX, I contacted CREDIT CONTROL CORP and spoke with Representative XXXX XXXX who confirmed the date of birth and name on their account records did not match the information I confirmed over the phone. The debt was incorrectly issued to my record. I was informed the record would be corrected, and the credit bureau records would be updated accordingly. 

On XX/XX/XXXX, XXXX issued another notification to me which indicated the CREDIT CONTROL CORP balance for {$270.00} remained on my credit report, and further stated the status of the debt was " seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department. '' The debt was incorrectly issued to my record. 

On XX/XX/XXXX, I contacted CREDIT CONTROL CORP again, and spoke with Representative XXXX, who, again, confirmed the date of birth and the name on the account did not match the information I provided over the phone. XXXX informed the matter would be escalated for resolution. In the interim, the incorrectly issued debt remains on my record. 

On XX/XX/XXXX, XXXX called me and requested I email a copy of my driver 's license to CREDIT CONTROL CORP. XXXXXXXX admitted CREDIT CONTROL CORP already had my social security number. I shared with XXXX that I had concerns with emailing my personally identifiable information via email due to a prior data spill and breach. 

I do not have any record or recollection of visiting CREDIT CONTROL CORP or affiliates for any services in person, via phone, or internet. I also do not have any record of providing CREDIT CONTROL CORP with my social security number at any time. 

CREDIT CONTROL CORP delays in expeditiously removing the incorrect information on my credit report has negatively impacted my ability to obtain goods and services where credit is required.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: PLATINUM HOME MORTGAGE CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Platinum Home Mortgage Corporation, PHMC, continues to charge PMI on the mortgage though the XXXX is presently at XXXX  % I've made several requests over the past 3 yrs to stop PMI. I understood PMI would be charged since the down payment was less than XXXX %. 
I have made consistent mortgage payments for the past 4 years never even late and always paying more than the required amount. 
The Homeowner 's Protection Act of XXXX and XXXX 's website states aXXXX XXXX % XXXX and a consistent record of payment the PMI is automatically removed. They are using every excuse not to stop PMI like not enough entity, requiring a XXXX for {$150.00} or a full appraisal at {$320.00}. The recent excuse is FEMA declared a high risk emergency in XX/XX/XXXX But in reviewing FEMA 's website XXXX XXXX is not on the list. Also I believe the XXXX was achieved before XX/XX/XXXX so that occurred after the loan was under XXXX % XXXX. 
I need help and want a refund of unearned monies. They also have my {$150.00} in a restricted column after agreeing to credit me placing it in the principal column. Two weeks later unbeknownst to me the credit was removed and placed in a restricted column and no BPO was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Last year in 2021, XXXX Equifax removed a XXXX Bank account from my credit report that was proven inaccurate reporting. I recently checked my credit report and notice the account got reinstated which is in violation of my consumer rights under the FCRA 15 USC 1681i. I request that this account be blocked and removed immediately per violation of 15 USC 1681c-2 ( A ). Equifax is in complete violation of my rights as a consumer under the FCRA and I am seeking immediate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$0.00} 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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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