BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX XXXX  Mortgage Company Account number XXXX has violated my rights. 

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.

I requested proof and they failed to provide proof. I want this payment updated to paid as agreed never late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-08
Company: EQUIFAX, INC.
State: OH
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 # 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.

1.Account number XXXX XXXX XXXX XXXX XXXX Open Date opened XX/XX/XXXX Account type Auto Loan {$21000.00} 2.Account number-XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Account type Collection {$580.00} 3.Account number-XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Date opened XX/XX/XXXX Account type Collection {$1100.00} 4.Account numberXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account type Collection {$730.00} 5.Account number XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account type Collection {$490.00} These Addresses Are False And One Doesn't Even Exist XXXX XXXX XXXX XXXX XXXX  ( Doesn't Exist ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 # 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. 
1.Account number XXXX XXXX XXXX XXXX Open/closed Open Date opened XX/XX/XXXX Account type Auto Loan {$21000.00} 2.Account number-XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Account type Collection {$580.00} 3.Account number-XXXX XXXX  XXXX Original creditor : XXXX XXXX XXXX Date opened XX/XX/XXXX Account type Collection {$1100.00} 4.Account number-XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account type Collection {$730.00} 5.Account number -XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account type Collection {$490.00} These Addresses Are False And One Doesn't Even Exist XXXX XXXX XXXX XXXX XXXX ( Doesn't Exist ) XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data 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 2023-01-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/2022, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX .... Balance : {$61000.00} ; XXXX XXXX XXXX XXXX XXXX ... . Balance : {$4900.00} ; XXXX XXXX XXXX XXXX XXXX ... . Balance : {$28000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
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:
I sent a letter on XX/XX/XXXX XXXX XXXX  to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days. Ive already included this in my previous complaint & I am including it again., NXXXX XXXX XXXX XXXX XXXX  .... Balance : {$61000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX.. XXXX Balance : {$4900.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$28000.00}

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 2023-01-07
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Long story short : The mortgage servicer is receiving payments and this can be proven by HAF and they are not applying them. The award was in XXXX of 2022 and only one payment has been posted that was HAF. The rest of the payments were made by us struggling to do so. When confronted about it in a previous CFPB claim, the company stated : " Our Corporate Office received notification from an unauthorized third party that they were receiving checks in the mail from the HAF intended for our office. We have confirmed that the address being used by the HAF to send funds to us is incorrect. Our records show we have reached out to the state of Florida assistance programs to confirm the correct address to send payments to us, as well as to confirm your participation in the program in order to investigate your assistance payments, but as of the date of this letter, we have not received a response. Please note, the correct mailing address for payments from the HAF is : XXXX XXXX XXXX XXXX TX XXXX As of the date of this correspondence, your loan is current and next due for your XX/XX/2022 payment in the amount of {$2000.00}. '' This is absolutely incorrect and false information. There is no way this information can be factual because of the fact that the mortgage servicer has POSTED XXXXXXXX XXXX payment from HAF. The mortgage servicer also complains that HAF are " hard to reach '' and they " can not get ahold of them ''. Well this is because the mortgage servicer, Dovenmuehle is doing as little as possible to get anything accomplished. I picked up the phone and dialed the HAF call center number and immediately got connected. I had the HAF representative VERIFY not ASK me for the correct address. The address she provided was not only what Dovenmuehle is stating needs to be the correct address but is also what is on the XXXX statements that Dovenmuehle sends monthly. 

Dovenmuehle, please understand that we are in our final days of fighting the battle with you. IF you do not do something promptly about this concern, we will be taking you to court and suing for more than the allotted HAF award money. We are prepared to win. Please also be aware, we have many people in a group that all have their loan serviced by you and have the same issues. We are prepared to take this class action and are actively talking with a real estate attorney that is more than happy to take this concern seriously in court. Please be prepared to actually solve this issue, I do not want to hear a single excuse in the reply to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove the following information of the companies on my credit report these all on my credit due to fruad please remove them XXXX XXXX XXXX Balance of {$1500.00} Date open : XX/XX/2022 Acc # XXXX Collection type account XXXX XXXX XXXX Balance of {$1300.00} Acc # XXXX Date open XX/XX/2022 Collection type account XXXX XXXX XXXX Balance of {$370.00} Acct # XXXX Collection type 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 non-monetary relief
Consumer complaint received 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX In the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing as an active account and that the balance I owe is {$35000.00} reported XXXX, XXXX I challenge the accuracy, compliance and reportability of this account. 

Please validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature.In the absence of any such documentation Bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 Days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your action, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud XXXX ) Violations of the Fair Credit Reporting Act My contact information is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07
Company: SYNCHRONY FINANCIAL
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
I have an account with Synchrony Bank for a Discount Tire card. I have made every payment on time and never been late. They lowered my credit limit and it effects my credit score because my utilization went up.

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 2023-01-07
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: Account status incorrect

Complaint:
I sent CRA 's documentation and proof based on the results of the CFPB report that the ( collection account ) XXXX must be deleted. The CRA have not removed it and I have the documentation from the organization as well to support the deletion. 

It should be deleted immediately. This is identify fraud. I have been working with XXXX CRA 's for 3 months and they have not done a proper investigation, when information was requested, they did not have my permission to publish this on my consumer report per Disclosure to Consumer. USC 1681 2 ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. I NEVER gave permission form any credit report to publish my personal identifiable information. ( FRAUD ) I have the document from EASTERN states this needs to be removed. Now, they still have not removed it after sending documentation in to support the deletion of collection account in the amount of XXXX from XXXX Account. I have the letter from the collection agency as well stating they have submitted for it to be removed. In addition XXXX has deleted this from my XXXX report, which supports there was not a proper investigation done by XXXX and Experian. 
I have documented every letter and receipt to support my efforts of removing this from my consumer 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 2023-01-07
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: Investigation took more than 30 days

Complaint:
This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties.

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: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This XXXX  entity was contacted by my lawyer. The dispute letter in addition to my previous letters has been recklessly disregarded. The credit reporting companies are farudulent and bogus, these three corrupt companies-XXXX, Equifax and XXXX ruined my credit scores based upon false misinformation provided by the creditor banksXXXX XXXX XXXX. and XXXX XXXX XXXXXXXX. Please see attached letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have applied for Loan Modification for my house at this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but they stated that they can not approve it because I dont have a default payment. Wells Fargo CSR told me not to pay my mortgage payment in order to have a default payment and get approved. However, when I started not to pay my mortgage, they always telling me to wait and faxed them some documents. Every time I called them, they stated that its not approved yet and asked for more documents as they did not receive it since I faxed it inside Wells Fargo Bank. Until I missed paying 8 months, then they told me that they will foreclosure my house on XX/XX/XXXX. 
My sister told me that she knows a Real Estate Agent by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who handle Loan Modification through their Attorney. I negotiated with them and paid them. They wrote a letter to Wells Fargo and they gave me a trial period of three months, paying {$1900.00} to Wells Fargo to avoid the Foreclosure. I started paying WF on XX/XX/XXXX ; however, Wells Fargo returned our payment for XXXX as they told me that the house was foreclosed. My attorney tried to negotiate but he failed. Wells Fargo foreclosed my house on XX/XX/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 2023-01-08
Company: EQUIFAX, 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 XXXX  account # XXXX for 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 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 2023-12-18
Company: EQUIFAX, INC.
State: TX
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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : RPDUMS Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
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:
I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I already cleared my loans. But XXXX can not remove in my 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