BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-19
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Someone applied for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card in my name and I have a Hard Inquiry on my Credit Report ( s ).

I spoke to TWO separate people on the phone with XXXX and they ASSURED me that they will take care of this. 

I spoke to a specific department that deals with this issues. I received a case number and was told " not to worry '' as they will investigate and remove the Hard Inquiry. Last lady I spoke to on the phone was very professional and knowledgeable- and she stated I will receive a confirmation letter in the mail stating that the issue has been taken care of however... 

Someone working in this department of XXXX XXXX XXXXXXXX had the audacity to send a letter stating this information is " correct ''. I guess I have to go to the local news .... 

I am in the process of repairing my credit and I would have never applied for a credit card, let alone an XXXX XXXXXXXX card when I live in florida. Also, the name that it was applied in is a format that I never use : " XXXX XXXX XXXX '' applying for credit cards. Case # XXXX with XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: LendUp Loans LLC
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 information incorrect

Complaint:
In XXXX of 2017, I was significantly affected by Hurricane Harvey. This tragedy left my family and me homeless for a month and a half and during the majority of the time, I had no access to a phone, Internet, or other communication sources. Additionally, I lost my job due to the hurricane and was unable to make payments on some of my credit card accounts. I was unable to reach out to companies as I didn't have the means to do so and, frankly, it was not a priority of mine. Knowing that I was affected by the hurricane, these companies still reported late payments on my account, which I feel to be disrespectful as I was going through a struggle. 

After I was able to move back home, I got a job and was able to start making payments on my accounts. In XXXX of 2017, I sent goodwill letters to companies explaining my situation. The majority of them did not agree to remove the payments. I am not contacting you all to see if this issue can be resolved. 

I tried to get this issue resolved already by contacting the company directly and submitting a complaint to the XXXX directly. Both of those were unsatisfactory and I would like other entities to investigate this matter, if possible. I have documentation from a representative of XXXX   stating that the late payment was refunded, therefore implying that the late payment is inaccurate and needs to be removed from my credit report immediately. Additionally, I contacted the company to be informed of their relief efforts of victims of Hurricane Harvey and was not given a direct answer. This is not proper customer service. 

Finally, their response of saying that they are unable to remove it is blatantly false and should be investigated. I have had other credit card companies able to remove the payments from the reports, so them saying they are unable to modify is incorrect. Please investigate this company and my matter to the deepest extent possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
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:
Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given any company or credit reporting agency written, non-written, verbal- non verbal per 15 USC 6802 15 USC 6805 and 15 USC 1681 ( b ) Privacy Act 1974, 20 USC 1232 ( G ) 34 CFR 99 Privacy Act 1974 and 5 USC 552 ( a ). Utilization reporting on my credit reports clearly violates 16 CFR 433.2 16 CFR 433.3. and Section 623 ( a ) ( 6 ) income and transactions reporting to any non affiliated entity is prohibited. According to the IRS publication 1099c Code F under Identifiable event codes. These companies failed to provide a 1099c for tax purposes. I am required to rectify these charge amounts as income when filing tax returns. Including 15 USC 1692 ( e ) by failing to report accurate, correct and true information on my credit report. Im requesting my credit report is updated immediately. 

Inquiries reporting are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I am having problems trying to sign onto my established account at TransUnion. And the customer service ( telephone ) is problematic - It asks too much personal information, and it is serviced by people outside of the United States of America - such as XXXX XXXX. This is dangerous. 

I want my information immediately removed from their records. I am also following up with my representatives.

Company response to consumer: In progress
Consumer complaint received 2020-03-28
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020 I received an email from Bluebird that my account had been permanently suspended. I use this account to receive my pension and for helping my adult children make ends meet. I am a senior citizen, single and depend on this money to pay my bills each month. I have done nothing out of the ordinary and dont understand why this has happened. I reached out to customer reps and had to wait 3 hours each time, after which I received no resolution. The reps could not tell me anything I did not already know which was next to nothing. I am certain my direct deposit came in last night and I want a refund check given to me as soon as possible. I was told to write their escalation team a letter. This is the only means they are providing for me to get help! I dont have any alternative but to wait for the response to my letter which went out today XX/XX/2020. For this financial institution to do this sort of thing during these stressful and trying times is just immoral. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-02-07
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: CT
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 have been sending dispute letters to the credit Bureau concerning the two listed items on my credit report 1 ) XXXX XXXX XXXX  XXXX 2 ) XXXX XXXX XXXX. I have been requesting the removal of these unknown items because they are not y items and they do not belong on my credit report. I am asking for your assistance after reaching out to the credit bureaus since XXXX XXXX 2022 and never receiving a response or a validation from them. Please assist me with removing the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: NJ
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent 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 non-monetary relief
Consumer complaint received 2023-02-14
Company: Freedom Mortgage Company
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home on XXXX XXXX XXXX XXXX, Ma XXXX on XX/XX/XXXX. Since all payments have been made accordingly and XXXX different companies have owned the mortgage without any issues. As of approximately XX/XX/XXXX Freedom Mortgage accepted ownership of the mortgage and problems with insurance immediately began by such mortgage ceasing all insurance payments to XXXX insurance through XXXX. Our insurance nearly lapsed as a result and we immediately made payment in order to avoid such lapse. We contacted freedom mortgage in order to correct the situation which they agreed had been a mistake. On approximately XX/XX/XXXX we received a letter from freedom mortgage insurance department indicating that they would be purchasing insurance for us a a substantially higher cost and retain the escrowed insurance payments. We again contacted freedom and disagreed with the decision instructing them to again contact XXXX and solve the matter as representatives for the insurance company were waiting. Lastly on XX/XX/XXXX after having made yet another mortgage payment, I contacted freedom mortgage to inquire about the issue No yet resolved but no attempt or information has been provided nor resolution to the problem. This concerns me immensely since it is one of the very reasons these companies use to initiate foreclosure action on a renovated, increased value home that my husband and I purchased at a higher cost with some problems needing repairs. Id truly appreciate a stronger hand in getting this matter resolved since I have evidently not made myself clear enough on the resolution attempts. Your assistance is truly greatly appreciated. Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original debt was owed to XXXX XXXX, XXXX. Hes located in XXXX, CA. He did a root canal for me in XXXX of XXXX. I made the first payment but missed the next because I was in a car accident. I received a notice from Rash Curtis and Assoc in XX/XX/XXXX that they were now assigned to collect the debt. I mailed a request to verify the debt shortly after and never got a response. On XX/XX/XXXX I logged in to my account on Rash 's website. The total amount owed was {$840.00}. I then paid that amount in full. My account showed a balance of XXXX  dollars and XXXX  cents. The total amount owed was paid in full. I have included the receipt that shows the {$840.00} was paid in full. Within weeks of paying the debit in full I received notification of a second amount, also {$800.00} that was owed. I only had one root canal, not two. An additional {$800.00} should never have been added on. The whole debt was paid in full on XX/XX/XXXX. At that time, the collection account should have been closed. I requested verification of the second amount from Rash via mail, to cover my bases, and got no response. They even put a collections account onto my credit report at the end of XXXX for this additional {$800.00}. It seems like they did that to try and extort more money out of me. This debt was paid in full on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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:
I contacted the companys that pulled my credit causing inquiries to be placed on my credit report which are listed below. I told them that I did not authorize them nor any one else to pull my credit for a loan and that I wanted it removed from my credit report immediately because this is fraudulent! 
This is a request for you to investigate the following " Unverified '' accounts listed below. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting service could fax, mail, or email in a fraudulent account. 
I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the inquiries belonged to me the first time you reported the account on my credit report. Your failure to properly verify these inquiries has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 4 business days for each of the accounts listed below then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these things removed. 
Name of the accounts : XXXX XXXX XXXX. 
Tel : XXXX Type : Sales Financing Company XXXX XXXX XXXX XXXX : XXXX Type : Equipment Leasing Debt Inquiry Date : XX/XX/2023 ( Unverified account ) XX/XX/2023 ( Unverified 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 2023-02-07
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/2018 I sent a certified letter to Transunion asking to validate an account ( XXXX ) reporting negatively on my report. They responded with the account was verified but sent so validation paperwork. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that Transunion disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that is reporting in my credit report. Transunion has responded to my request by saying that these accounts have been verified. Transunion has not sent me copies of the documents that they have in their files that were used to validate these derogatory accounts. As required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties are damaging my reputation and credit worthiness. Transunion has ignored my request to provide me with the documents that their company have in their files that is used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I have sent certified letters asking Transunion reporting agency to VALIDATED these accounts with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL.

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 2023-02-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX XXXX XXXX and XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information ; XXXX XXXXXXXX XXXX XXXX Balance : {$33000.00} 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 explanation
Consumer complaint received 2020-03-28
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX  and first American title have not been applying my monthly payments to my accounts. Now threatening to foreclose on property. I am going to file a lawsuit against both companies on Monday XX/XX/2020.

Company response to consumer: Closed with explanation