BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I have tried to work with the credit bureau 's for quite some time on repairing a negative account reporting by XXXX XXXX XXXX. On XX/XX/XXXX I notified the bureaus that the account is reporting a monthly payment on a closed account which still continues to report on my credit report. OnXX/XX/XXXX I submitted a direct to furnisher dispute advising them that the date of last activity is reporting inaccurately it reports : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX  ), and XX/XX/XXXX ( XXXX  ). On XX/XX/XXXX I notified the credit bureau 's that the date of last payment is reporting inaccurately it reports that the date of last payment is XX/XX/XXXX ( TransUnion ), XX/XX/XXXX( XXXX  ), and XX/XX/XXXX ( XXXX  ). On XX/XX/XXXX I notified the furnisher directly that there is a monthly payment of {$400.00} reporting to TransUnion and XXXX  on a closed account. Last but not least the payment history is reporting inaccurately it reports that I was paid on time ( XXXX  ) XX/XX/XXXX and 30 days late ( XXXX  ) at the same time.XX/XX/XXXX it reflects that I was 30 days late ( XXXX  ) and 60 days late ( XXXX ). XX/XX/XXXX it reflects that I was 60 days late ( XXXX  ) and paid on time ( XXXX  ). XX/XX/XXXX it reflects that I was late 90 day ( XXXX  ) and paid on time ( XXXX  ), XX/XX/XXXXit reflects that I was 150 days late ( XXXX  ) and 120 days late ( XXXX  ). It also reflects that I was late 120 days for the months of XX/XX/XXXX on XXXX. There is also activity reporting after the account was closed which from my understanding is a violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
Good day! 

My home was wrongfully foreclosed on me without giving me the opportunity to save it. The mortgage servicer did not send me a single notification about a foreclosure auction at all. No calls, nothing. How is that possible?? I was previously was notified by certified mail, letters posted onto my wall, regular correspondence in regards to any foreclosure proceedings yet this one I did not receive even a smoke signal. I am not happy, I am not okay. I dont understand how this is legally possible. They are a debt collector, they have to notify me by all means of any and all actions taken against me, towards me and to me, and it did not happen. They hid under a rock. When questioned, they only referred me to speak with the foreclosure attorney without taking any accountability. 

I spoke with XXXX in Loss Mitigation XXXX XXXX and he confirmed on his recorded line, that loan depot not once sent out a letter notifying me of such action wanting or being taken place. He confirmed on multiple occasions within that XXXX phone call that there is nothing on record. So once again, How is this legally possible to happen? 

I need all and any help with what is going on. PLEASE I cry for help asking to help reverse the sale of my home so I can assure my family a safe place to sleep and wake up to every morning. 

Loandepot are predators, no consideration for consumers, have been attempting to reach a work out resolution with them for over XXXX  years and all they have done is given me the runaround and played games. I not once signed up for any games. I am a hard working civilian, man whom provides for his family. I would never be in this predicament if it wasnt for their lies and deceit. I have never felt so cheated in life. 

PLEASE help me save my home.

Company response to consumer: In progress
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: GA
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 in reference to complaint XXXX. Why have you sent me a statement that the creditors have verified my accounts? You've failed to send me any documentation that verifies this and I've also called and was told that there was never an investigation and that you didn't reach out to determine whether they're listed the right way. What I don't understand is that if you are the one that is responsible for maintaining my information, then why do I have to fight with you to do your job? How is it that XXXX did an investigation and removed the account from my credit report? I need for you to actually perform an independent investigation on these accounts : XXXX XXXX XXXX. Please provide proof or remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: NM
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 to the Fair Credit Reporting act, these accounts have violated my rights XXXX XXXX XXXX Date Last Active is inaccurate XXXX XXXX XXXX Date Last Active is inaccurate XXXX XXXX XXXX Date Last Active is inaccurate 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, 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: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX 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 accounts 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 these 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 explanation
Consumer complaint received 2021-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My consumer rights are being violated. Transunion is creating defamation of my character and effecting my credit worthiness to creditors. I have been denied a job because of a bankruptcy appearing on my credit report. I have been denied loans. In these hard times and all that is going on in the world with covid I don't need this added stress. I have been disputing an alleged bankruptcy with Transunion for the last few months. I have attached a copy of my credit report for all three credit reporting agencies. Only Transunion is reporting this bankruptcy. That's a violation of my consumer rights because all credit reporting agencies have the grave responsibility to report 100 % accurate credit files. If Transunion is the only ones reporting this information then it is not accurate. I have attached a letter from the US Bankruptcy Court which is listed as the furnisher ; the letter states they are not the furnisher and do not report to credit reporting agencies. This bankruptcy must be listed in error and should be removed immediately. Also Transunion do not have a permissible purpose to furnish such information anyway. My rights were violated as soon as it was published for anyone to see because they do not have my written consent to furnish my personal 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 2022-11-25
Company: Experian Information Solutions Inc.
State: GA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: WI
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:
To Whom It May Concern, I mailed you a letter disputing inaccurate information on my credit report over a month ago and in response I received a letter from your firm stating the ID I submitted was insufficient to verify my address and identity. 
The identification I submitted is sufficient according to your guidelines and I demand that you examine the enclosed documents more carefully this time. I have also included my original letter for your convenience in this envelope. 
The disputed items must be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 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 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Transunion Credit bureau has failed to respond about the removal of the erroneous information about My Inquiries. Sending them the last complaint dated from XX/XX/XXXX to the present, I have not received any response up to this date. On the other hand, inaccuracies about my inquiries are continuously reported on my Credit Report. Therefore, Transunion failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here are the concerned inquiries that are still reporting on my reports : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/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 2023-12-15
Company: Experian Information Solutions Inc.
State: MI
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:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S CODE 1681o Civil liability for willful noncompliance and 15 U.S Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. 

PLEASE ACCEPT THIS FINAL WRITTEN OFFER OF SETTLEMENT BEFORE LITIGATION. 

Account : XXXX and Experian XXXX XXXX XXXX ( Opened XX/XX/XXXX ) Balance XXXX XXXXThis account is FRAUD! 

Hard Inquiries on 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 explanation
Consumer complaint received 2023-12-16
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to bring to your attention a concerning matter regarding my personal information. I recently discovered that my personal data has been exposed in a data breach, and as a result, there are unauthorized accounts on my credit report. 

The accounts are from XXXX XXXX for {$650.00}, XXXX for XXXX and I C SYSTEMS for {$760.00}. 


Upon reviewing my credit report, I noticed several accounts that I did not authorize or open. I am deeply concerned about the potential impact this may have on my credit score and financial well-being. 


Sincerely, 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 2023-05-17
Company: EQUIFAX, 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 the second time I've updated this questionable information by sending a letter to the three credit bureaus. 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. 
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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On my credit report with Transunion, my XXXX payment is recorded as being late, my payments are due on the XXXX of each month, my XX/XX/XXXX payment was received by XXXX XXXX on XXXX XXXX clearly not 30 days late.I sent a letter to transunion by certified mail threw the postal service, i sent a copy of the western union payment, and the receipt from the currency exchange where i purchased it.I have copies of everything, and they still refuse to remove the late payment for XXXX from my transunion credit report, my payment is {$380.00} a month, on the XXXX of each month, im requesting transunion remove this error from my credit report. 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 non-monetary relief
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof 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 2023-05-17
Company: EQUIFAX, INC.
State: TX
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: CREDIT ACCEPTANCE CORPORATION
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: Account information incorrect

Complaint:
On XX/XX/2017 I went into a dealership to get a car and used my credit card pursuant to 15 USC 1602 ( l ) making it a consumer credit transaction. The entire credit sale was complete at the signing of the instrument- ( 3-104 ( e ). ) I have noticed that on my credit report that CREDIT ACCEPTANCE CORPORATION is reporting late payments tarnishing my consumer credit report when the car was already paid for.

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 2021-06-08
Company: EQUIFAX, INC.
State: MI
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:
Remove both CLOSED XXXX  XXXX accounts for MULTIPLE inaccuracies AND Violations Account 1 ( Original Limit {$300.00} ) Pay History is different across all 3 bureaus. Remove for Inaccuracies. 

XXXX  Shows 150 days late as of XX/XX/XXXX Equifax Shows 120 days late as of XX/XX/XXXX XXXX XXXX shows Not Recorded as of XX/XX/XXXX. 

Remove this account for inaccuracy because the date of last activity is reporting a different date by all XXXX bureaus. Additionally, I'm seeing different years. 

XXXX  shows Date of Last Activity as Not Recorded Equifax shows Date of Last Activity as XX/XX/XXXX XXXX XXXX shows Date of Last Activity as XX/XX/XXXX Account 2 ( Original Limit {$500.00} ) Pay history Different across all XXXX bureaus. Remove for inaccuracies. 

XXXX  shows 150 days late as of XX/XX/XXXX Equifax shows 120 days late as of XX/XX/XXXX XXXX XXXX shows Not Recorded as of XX/XX/XXXX Remove this account for inaccuracy because the date of last activity is reporting a different date by all 3 bureaus. Additionally, I'm seeing different years.

XXXX  shows Date of Last Activity as Not Recorded Equifax shows Date of Last Activity as XX/XX/XXXX XXXX XXXX shows Date of Last Activity as of XX/XX/XXXX

Company response to consumer: Closed with explanation