BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-05-19
Company: Amsher Collection Services, Inc.
State: AL
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 Amsher Collection Services 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I received a copy of my credit report and am disputing Several addresses some which I have not resided at.I am requesting these addresses be deleted. I have highlighted these addresses and I am disputingthe following items : The reasons why these items should be deleted are inaccurate information due to fraud, my identity has been compromised. Please remove the following : XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX The following numbers need to be removed due the they are no longer active or attached to me : ( 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 2018-11-09
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never done business with RS Clark and Associates. I do not have a signed contract with RS Clark and Associates. I am not liable for any debt from a company in which I have never done business with. I have send a debt validation letter to RS Clark and Associates on XX/XX/2018 and I did not receive any substantial debt validation. Specially I did not see anything validating the alleged debt with my signature. According to the FRCA regulations, RS Clark and Associates are in violation and are subject to fines starting at {$1000.00}. This is my third time asking for the appropriate debt validation. The next time will come with litigation. I hope that this can be resolved without litigation. It is not suffice to present any papers from any other company other than RS Clark and   Associates. RS Clark and Associates can not simply respond by saying they will send me something in the mail. RS Clark and Associates does not have permission to contact me by e-mail, phone, nor us mail. All communication is to be handled via CFPB portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is the several times I've complained about some erroneous accounts in my report. You must correct these accounts that were opened without my knowledge, consent, or authority within 4 business days.These accounts are damaging my file and needs to be updated or deleted. 

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 2021-10-15
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I entered a credit card transaction with Gs Bank on XX/XX/XXXX. I have had several issues with the card since I received it. I tried to pay off the balance in which the card was declined. I also tried to make several transactions where my card was declined for some apparent reason. I never received any text, or call notifications. My card was blocked and declined for several purchases. I called in and answered all verification questions and method possible. I have done that a few times this week and on other occassions in the past. It leaves me to believe that this is purposely happening and I don't deserve this as a consumer. I called in on XX/XX/XXXX, XXXX, and previously because this has become very frustrating and stressful. I wasn't able to make the purchase or pay for what I needed to pay for and the card was declined twice. I wasn't able to pay for my rent and other purchases. I was hit with late fees and pending eviction notice due to my transaction being declined for my rent. I was not able to access my card after verifying who I was several times. I called in the first time for the first incident and was told that my card was unblocked and ready for use, come to find out that my card and several transactions were declined. This is very embarrassing and distressful and I don't deserve this. I am also sending this complaint in regards Pursuant to 15 U.S. Code 1666 - Correction of billing errors. I didn't want for my monthly statement voucher to be in digital form for many reasons I requested a hard copy of the document more than 2 weeks ago, and I still haven't received yet. As I logged on to see the monthly voucher statement I realized that there was in fact correction of billing errors in a positive amount Pursuant to 15 usc 1666d I was denied of a credit limit increase as well so I have been experiencing so many issues with this card and company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX Collection {$5800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection $ XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX Charge-off {$0.00} XXXX  XXXX Charge-off {$0.00} XXXX  XXXX Charge-off {$0.00} However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case!

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 2021-10-15
Company: U.S. BANCORP
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
To whom it may concern : I received a letter from USBank ( please see attachment ) that states that USBANK sold or transferred my FHA home mortgage to themselves, US Bank. It looks like potential fragelent activity. Potentially US Bank trying to change original terms of FHA loan, or something els of that meter. Also it could be that US Bank trying to increase amount of fund they are actually have on their books for some strange reason. It feels like it is highly likely illegal but I don't know. Kindly please investigate this situation. Thank you

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: 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:
My name is XXXX 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 2022-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Bank of America when I had an account with them kept charging me fees that would eat up 100 % of my {$1800.00} monthly XXXX deposit every month since XXXX. I had a meeting at Bank of America requesting these funds be returned they refused and even after I changed to a different bank for my deposits the government accidentally sent over two deposits after that and Bank of America refused to refund those too

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: The Outsource Group, Inc
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In XX/XX/XXXX, I received a call from XXXX XXXX stating there was a collection entry on my credit report and they gave me XXXX phone number. I called XXXX and asked them what this was about because there was no collection effort and I was unaware of this debt. I spoke to a lady with XXXX and she said that if I paid the amounts due which were {$1500.00} and another for {$45.00} that it would be removed from my credit report within 90 days. I sent payment out same day. Approximately six months went by and it was still showing on my credit report, therefore I called XXXX again and asked why it was still on my credit report and was told they did not remove entries from my credit file, So I dispusted it through XXXX and they removed the {$45.00} but left the {$1500.00}. I recently was denied credit after that and found out it was still on my credit file with XXXX so I disputed it with XXXX and XXXX and then and called XXXX and asked what was going on and she told me to be patient that it would be removed within 30 days. During this time I received notice from XXXX  and XXXX stating it would be removed. Another credit denial in XX/XX/XXXX because of the collections on my credit report. I called XXXX again, and they told me it would be on my credit file until XX/XX/XXXX. Can you please help me with this as this should have never been in collections and is affecting my credit score and my ability to obtain credit through no fault of mine. 
Thank you, 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 explanation
Consumer complaint received 2023-07-03
Company: SN SERVICING CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My primary mortgae company SN Servicing Corporation at XXXX XXXX XXXX, XXXX, Ca XXXX has refused to report my mortgage payments-history to credit companies. I spoke to my account representive XXXX XXXX XXXX about three weeks ago and he advised me that he is required to speak to his supervisor regarding this issue. His superviser phoned me and advised me that it is not their company policy to report any mortgage payments to credit companies if a client has filed for a bankruptcy. I explained to this represtative that my bankruptcy ( court case number XXXX ) has been court ordered discharge on XX/XX/09. I requested that this supervisor provide me with a letter of confirmation of our discussion regarding the fact that because I filed for XXXX her company ( SNSC ) is not responsible for reporting my payment history to all major credit bureaus. She refused to repond to my request and advised me that she is required to speak with an in house counsel on this issue. A few days went by and I contacted my financial advisor and he called and spoke to XXXX XXXX XXXX and requested that I provide a Request and Consent to Provide Account Information to Authorized Third Party. Again we complied and waited to no avial. My financial advisor suggest we give SN Servicing Corporation several business days to respond. My financial advisor has since sent a follow up email request and as of today I have not heard a single response from XXXX XXXX XXXX or his supervisor on this issue. No phone call, no letter not a single response. My situation is I am attempting to re-finance my property prior to any more interest rate increases and with no mortgage history being reported by SNSC my efforts to refinance are prejudiced.

My concern is being that I filed and completed all governmental and court issued regulations to sucessfully have my Bankruptcy discharged and I am to be punished for filing a XXXX by SNSC not reporting my payment history? thereby encroaching my ability to fairly obtain a refinance? I am deeply concerned of this situation and SNSC 's position on this issue seems to me highly unfair and also an extreme prejudice towards my quality of life and my Credit Score Standing.

Any assistance in this matter would be grately appreciated. I have do I need to consult with any attorney? 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: AES/PHEAA
State: TN
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:
I am submitting this complaint because this organization is reporting outdated inaccurate information on my consumer report. This account is past the statue of limitations it has been reporting for over 7 years. 15 USC 1681 ( a ) states the banking system is dependent on fair and accurate credit reporting. This account is on my credit report as a duplicate account and it also is outdated I reached out to the company to resolve this information but I had no success. Please help me resolve this matter. I want to exercise my Privacy Rights as well I did not consent to this 3rd party company housing my information. According to Family Educational Rights and Privacy Act ( FERPA ) I have the right to my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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