BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have tried many times to get TransUnion Credit Bureau to remove a collection from my TransUnion credit report. They continue to have a XXXX XXXXXXXX XXXX XXXXXXXX collections on my credit report that XXXX XXXX admitted to was an error. I contacted the XXXX XXXX XXXX and they had XXXX XXXX contact TransUnion to updated and remove the information from my credit report ( twice ). But TransUnion Credit Bureau refuses to remove the inaccurate information. And has not given me a reason of why when I did dispute the collections. TransUnion would not tell me what the letters stated from XXXX XXXX to remove the information for my credit report said. 
This has caused a tremendous effect on my credit that was prefect before this. I have never missed any payments and have had credited for over 22 years. I am a XXXX  in XXXX  XXXX  and this matter is causing me great stress because I have been going back and forth with TransUnion since 2022 of last year. Please help me with a solution to this matter.

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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, XXXX, Account name : XXXX XXXX XXXX, XXXX, Account name XXXX XXXX XXXX, XXXX : Account name : XXXX XXXX XXXX, XXXX has violated my rights. 
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  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 2023-04-05
Company: Experian Information Solutions Inc.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXXXXXX : XXXX XXXX, XXXX CARD : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX BANK : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, 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 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 explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: MO
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:
ACCOUNT # XXXX Date Opened XX/XX/2020 I have contacted the XXXX XXXX XXXX myself, and they have failed to validate that this is indeed mydebt. I have copies of my requests to XXXX XXXXXXXX XXXX, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. That is because this alleged debt does not belong to meXXXX XXXX XXXX  was unable to provide me with the original contract with my signature because no such exist. With no proof of this alleged debt belonging to me as a consumer EXPERIAN you must delete from my credit report immediately. 

Plus XXXX XXXX XXXX has provided you with a false and misleading medical account with my name attached to it. You are also not supposed to share anyones medical information without their authorization. So you have now shared someone elses medical information cost and locations on a strangers CREDIT REPORT..which is me. WOW! EXPERIAN You have really dropped the ball on this one. This account is not reporting 100 % accurate. You also failed to even note that I the consumer disputed this account. you are really not following the rules. You have the nerve to not even notate that is account was disputed by ME on my own credit report. So EXPERIAN you now get to pick and choose what YOU want to furnish on my credit report? I know that you choose to report negative information because you make twice as much as good information when selling consumers information to businesses and corporations such as yourself EXPERIAN.

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 2023-01-25
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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please don't ignore my request to repair the following items in my file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: WA
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit 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 explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: CT
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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Employer : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act XXXX XXXX. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of 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.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX TX XXXX 9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

10. The following personal information is incorrect Account Number : NAME : 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 2023-04-05
Company: Experian Information Solutions Inc.
State: UT
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 am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from 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
Consumer complaint received 2023-05-03
Company: AMERICAN EXPRESS COMPANY
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: Information belongs to someone else

Complaint:
You are in Direct Violation of The Fair Credit Reporting Act [ Account Name & Number # }, has violated several of my rights. 

15 U.S.C1681 section 602 A. Clearly states that 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 instuctions 15 U.S.C. 1666B ; A creditor may not treat a payment on a credit card account under a open- end consumer credit plan as late for any purpose.

Remove these late payments and update all theses accounts immediately as you are in direct violation of several laws under The Fair Credit Reporting Act }

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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: Was not notified of investigation status or results

Complaint:
I am reaching out to request the immediate deletion and removal of the following accounts and associated information from my consumer report. It is crucial that these accounts and details are not reported, as their inclusion constitutes a direct violation of the FDCPA and FCRA. This violation involves several laws and must be rectified by promptly removing these accounts and information from my consumer report. I insist on their immediate removal to ensure compliance with the relevant regulations. Please take immediate action to address this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-15
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2018 I wrote to XXXX XXXX to ask how to ensure that if I were to make additional payments to my accounts that they would be applied to my principal balance and not to my upcoming payments. They responded they traditionally do apply additional payments to upcoming payments and put students in a " paid ahead '' status. I responded that I wanted to opt-out of paid ahead status and to have my additional payments be directly applied to my principal balance. Then I asked how I could ensure my payments were being applied directly to my principal balance and not towards future payments. 
On XX/XX/2018 I was told my account was beginning the process of being removed from paid ahead status and to allow 10 business days for the request to be completed. On XX/XX/2018, after paying more than {$2000.00} towards my account beyond my minimum payment I checked my account and found that I was in " paid ahead '' status. I once again emailed XXXX XXXX and told them the issue and that I not only wanted to be removed from paid ahead status but that I never received an answer as to how to ensure that I would be removed from paid ahead status. I also asked if there were any penalties for paying off my student loans early. 
In response on XX/XX/2018 I received an email stating that XXXX XXXX  was unable to verify my account based on the information provided. I have attached the email chain for reference. Currently, I do not see any indication from XXXX XXXX that I was removed from paid ahead status or that the amount that should have been directly applied to my principal but was instead applied to future payments, has been properly allocated to my principal balance. I also have not received any answer to if there are penalties for paying off student loans early. 
I emailed them back that day letting them know of the discrepancies and that I would be filing a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had fraudulent transactions on my checking account. Once Citibank verified they were fraudulent the funds were returned to my account. I received a letter on XX/XX/2022 stating they were closing my account. My account contained {$1000.00}. In their letter they state within sixty days any funds in the account would be issued a check mailing to the address on the account. In XXXX I contacted Citibank to find out the status of my account and was told a check was mailed. In XXXX I contacted the fraud department and was told my account was being sent to the closure department and they had sixty days to close. I asked why was I told in XXXX that the check for {$1000.00}. I was placed on hold and when they returned they stated that they could no longer speak with me and hung up. I called several other times and was told they could not speak with me and hung up. In XXXX I tried to contact Citibank through their automated system but could not identify my card number or my social security number. There were no physical XXXX in the XXXX XXXX. I have had a financial report ran and the {$1000.00} was listed. In XXXX I wrote a letter and provided all of my documentation and have not received any response.

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 monetary relief
Consumer complaint received 2018-10-23
Company: EQUIFAX, INC.
State: MN
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:
On XX/XX/2017 there was a hard inquiry made by XXXX XXXX  without permission

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Capital Management Services, LP
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To : XXXXXXXX XXXX XXXX AND Capital Management Services , LP. I write to advise you that I plan to file a lawsuit against you in the United States XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the XXXX XXXX XXXX XXXX Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.

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 2023-09-01
Company: The CBE Group, Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by CBE Group via text message on XX/XX/2023. I have not authorized this company to contact me using text messages. The link provided in the text message to pay online was used in an effort to identify the debt. The link will auto-populate an account number and requests a secondary piece of identifying information ; either cell phone number or zip code. I tried both ways and both times I received a message stating no account could be located. I do not know this company, I do not owe this company, and their system clearly has no record of my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
My sister I have received over 300+ calls from multiple different lending companies in the past 36 hours. all because I checked with penny mac about refinancing my house for renovation purposes. My sister is not mentioned in my finances anywhere. these actions are harassing, unwanted, and seemingly preparatory.

Company response to consumer: Closed with explanation