BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I do not have an auto loan with XXXX XXXX XXXX XXXX. AND IF I DONT HAVE AN AUTO LOAN WITH THIS COMPANY THAT MEANS I WAS NEVER GIVEN OPT OUT NON DISCLOSURE FORMS! According to 15 USC 6802 - Obligations with respect to disclosures of personal information in paragraph ( b ) a financial institution may not disclose nonpublic personal information to non affiliated third party unless ; ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX XXXX continue to report this debt to the credit reporting agencies causing damage to my character and my reputation. ANOTHER violation to 15 USC 1681a ( 2 ) Exclusions ( i ) which clearly states " report containing information solely as to transactions or experiences between the consumer and the person making the report '' and I've never given this " person '' my authorization to share any transactions or experiences.

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 2022-05-03
Company: Experian Information Solutions 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: Personal information incorrect

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 2023-06-15
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Good morning, I received a phone call from XXXX XXXX XXXX representative on XX/XX/XXXX advising she was a senior litigator with her firm and was calling on behalf of CitiXXXX XXXX for a pay day loan from XXXX under my maiden name. In XXXX, I was married  and carried my married  name. I was informed that unless I took the out of court settlement offer of {$410.00} I would be sued and it would cost me upwards of {$2500.00} to resolve the debt once the lawsuit was filed. The " senior litigator '' went on to inform me that they had my address and work information and would have me served if I did not agree to the settlement at this time. I did request for the information regarding the debt to be mailed to me or sent by email in order to obtain information regarding the debt since my maiden name had not been used since XXXX. I was told that this problem needed to be resolved by no later than XX/XX/XXXX. 

Based on being XXXX  since I've been working so hard to repair my credit over the past years due to previous indiscretions and finally landed a good job, I agreed to issue payment for XX/XX/XXXX in the amount of {$410.00}. I did advise the representative that my direct deposit did not come in until later on the XXXX and payment could not be drafted until the evening or on the XXXX. She confirmed this was fine. 

Today ( XX/XX/XXXX ) I received a call from the same " senior litigator '' from XXXX XXXX XXXX at XXXX XXXX. advising me that the payment did not go through and if was not resolved today they would proceed with the lawsuit. I did inform her that she was violating FDCPA regulations by contacting me at XXXX XXXX. MST ( as I reside in AZ ) and the number she was calling from is XXXX. I also advised the " senior litigator '' that her collection tactics violate FDCPA regulations by threatening to sue me for the balance due. 

I have since put a stop payment with my bank on this payment and had previously submitted a debt validation letter on the date I received the initial call on XX/XX/XXXX. I have yet to receive any information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
someone has a credit card under my name I am the victim of identity theft I have not authorized this card and I did not sign any paperwork to authorize this card! under the FCRA you must close and delete this from my credit report immediately and for good I have enclosed a letter and i will be filing a lawsuit against discover card for allowing this to get this far!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Treatment of inaccurate or unverifiable information. 
( A ) In general. -If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete of can not be verified, the consumer Dates are Invalid amount is invalid address is invalid Balance updated is invalid For these two accounts that are hurting my credit I will also contact my lawyer

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 2022-12-16
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: Account status incorrect

Complaint:
I reviewed my credit report and found grave errors that your company is reporting to my consumer report as late or missed payments, and because of this I am being discriminated against to extent my credit. Your inaccurate consumer reporting is causing great harm to my reputation and injury to my character. This is a violation of FCRA 15 U.S.C 1681 ( 4 ) ( b ) Here the accounts youre reporting with a late payment or missed payment XXXX : Open date XX/XX/XXXX Allegedly late payment XXXX XXXX XXXX XXXX : Open date XX/XX/XXXX Allegedly late payment XXXX XXXX Department of education XXXX XXXX Open date XX/XX/XXXX Allegedly late payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These accounts where never late or missed a payment. I demand these accounts be Updated to its proper payment status of Pays / Paid as agreed. 
Pursuant of 15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Furthermore I never gave you ( Insert consumer reporting agency ) or ( Insert Creditor ) any written instructions or consent to furnish any information on my consumer report, this is a violation of 15U.S.C 1681b.

Your company will be civilly liable for negligent non compliance pursuant 15 U.S.C 1681o ( 1 ) any actual damages sustained by the consumer as a result of the failure : Again, I demand these accounts be Updated to its proper payment status of Pays / Paid as agreed within 30 days of the receipt of this letter.

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 2022-05-03
Company: EQUIFAX, INC.
State: RI
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 accordance with the Fair Credit Reporting Act XXXX, Account number XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy. 
15 U.S.C 1681 Section 604A Section 2, also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Original creditor 01 XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Balance {$760.00} Credit limit {$0.00} Account type Collection Revolving No Open Yes Authorized user No XXXX XXXX XXXX {$340.00} Original creditor XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$330.00} Credit limit {$0.00} Account type Charge Off Revolving No Open Yes Authorized user No Original creditor XXXX XXXX XXXX {$130.00} Account number XXXX Date opened XXXX XXXX Balance {$130.00} Credit limit {$0.00} Account type Charge Off Revolving No Open Yes Authorized user No Original creditor XXXXXXXX {$23.00} Account number XXXX Date opened XX/XX/XXXX Balance {$23.00} Credit limit {$0.00} Account type Charge Off Revolving No Open Yes Authorized user No XXXX XXXX {$5400.00} Original creditor Account number XXXX Date opened XX/XX/XXXX Balance {$5400.00} Credit limit {$0.00} Account type Charge Off Revolving No Open Yes Authorized user No XXXX XXXX XXXX  {$240.00} Original creditor XXXX XXXX XXXX  XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$240.00} Credit limit {$0.00} Account type Collection Revolving No Open Yes Authorized user No

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 writing to formally file a complaint against your credit bureau regarding the numerous unsuccessful attempts I have made to rectify the inaccuracies in my credit file. Despite my continuous efforts to correct these discrepancies, my credit report remains marred with inaccuracies, negatively impacting my financial well-being. 

I have made several efforts to dispute these inaccuracies by following the procedures outlined by the Fair Credit Reporting Act ( FCRA ). Each time, I have provided all necessary documentation and supporting evidence to substantiate my claims. 

Despite my XXXX attempts to resolve these issues, I have encountered the following problems : My previous dispute letters and supporting documents seem to have gone unanswered, leaving me in the dark about the status of my disputes. 

The delay in addressing these inaccuracies has resulted in financial hardships and lost opportunities for me. 
The presence of these inaccuracies is severely damaging my credit score, making it difficult for me to access fair lending terms and credit opportunities. 

I am frustrated by the lack of responsiveness and efficiency in addressing my concerns. I understand the importance of accurate credit reporting, and I am fully committed to working with your credit bureau to ensure the correctness of my credit file. 

I request that you conduct a thorough investigation into these inaccuracies, rectify them promptly, and keep me informed about the status of my disputes, as mandated by the FCRA. 

Enclosed with this letter are copies of my previous dispute letters, supporting documentation, and certified mail receipts to verify my attempts to rectify these inaccuracies. I am asking for your assistace to remove the following inaccurate items in my credit report : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XX/XX/2023 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 2023-06-15
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX, I have another concern that can be added to the pending questions and research. I discovered on the Recovery Modification section, Additions to Principal Balance shows a debt balance of {$13000.00} ; however, the most recent mortgage statement dated XX/XX/2023 shows an escrow credit of - {$13000.00}. Why was this amount added as a balance due instead of a credit? It contradicts the Recovery Modification as it shows this amount as owed, but on the statement, it is a credit. Why was the escrow amount added as a balance due to the unpaid principal balance of {$150000.00}, causing the New Modified Unpaid Principal Balance to increase to {$170000.00}?

Existing Unpaid Principal Balance {$150000.00} Additions to Principal Balance Unpaid Accrued {$7200.00} Mortgagee Advanced for Escrow Items {$13000.00} Subtractions to Reduce Principal Balance : New Modified unpaid principal balance {$170000.00} Is the amount in question showing as a debit, the money I owe, or credit money owed to me? The Recover Modification shows this amount as owed, and the mortgage statement shows a credit. I will also add this concern along with the backup to CFPB for compliance purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
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: Account status incorrect

Complaint:
Make sure any accounts that were discharged in XXXX  XXXX  show a {$0.00} and are labeled as discharged or included XXXX  XXXX  Payment History is no allowed!! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Last ss XXXX : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : XXXX  listing for Account No. : XXXX History listed wrong per XXXX  laws. Attached is a copy of XXXX XXXX XXXX on XX/XX/XXXX and final on XX/XX/XXXX XXXX. XXXX, filed in XXXX XXXX XXXX XXXX division XXXX Texas. 

Date : XXXX XX/XX/XXXX XXXX! 

Please forward the following email to you proper XXXX  XXXX for data removal. 

Per your order ( XXXX XXXX XXXX XXXX XXXX ) they are listing my payment history showing one negative report and also showing the XXXX  in order to keep me from getting a good credit rating. They clam that your company is to blame. 

The reason for filling a XXXX  is to remove all past negative reporting to bring a fresh start. The law requires that you remove reporting past history prior to filing a XXXX  and only list the XXXX  without past payment history but XXXX XXXX XXXX wants both. XXXX  first list my account history then lists the Bankruptcy ( see attached ). They will not remove the payment history unless you tell them to do so. 

Please have XXXX remove my past payment history showing a negative report or I will be forced to file an Adversary Proceeding complaint with XXXX  court in thirty ( XXXX ) days from the date of this letter. I above case in now reopened so I can fill such a complaint. 

XXXX Bless! 

_______________________________ XXXX XXXX XXXX, Pro XXXX Attached : Copy of Letter, XXXX Report, XXXX, & Reopen of 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 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Please remove the account as this is not 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 non-monetary relief
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2019-11-20
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019, I was alerted that there was a new account added to my credit report and my credit score had dropped. I have never received any notification from this debt collector, nor have I ever been to the medical facility that says I owe {$240.00}. On XX/XX/2019 I sent a certified letter to Account Resolution Services asking for proof that I owe this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: JPMORGAN CHASE & CO.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Chase is reporting a debt on my credit file that is not mine. I am no longer an authorized user on this card and It needs to be removed off my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$35000.00} XXXX XXXX Balance : {$170000.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$170000.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$170000.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX XXXX Balance : {$0.00}.

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 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 sent a letter to the XXXX and TransUnion Credit Bureaus requesting to reinvestigate the disputed Account from my credit report and update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Balance Owed : {$30000.00}.

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