BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
TRANSUNION is obligated by the FCRA to report accurate information as it relates to consumer reporting. Please be advised that the inquiries from XXXX and XXXX XXXX are being reported are FRAUD. This is identity theft, as I did not give said companies written authorization to add any inquiries to my credit report. TRANSUNION has 4 days to remove the inquiries pursuant to 15 U.S. Code 1681c2 -Block of information resulting from identity theft In addition, this is a violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports. I am requesting that TRANSUNION provide the documentation used to determine that the inquiries were indeed authorized by XXXX XXXX, the consumer. TRANSUNION will need to provide me with the person to whom they spoke, the documentation used, and signed authorization with my wet ink signature. If TRANSUNION does not have the documentation to show these inquiries were in fact authorized, it must be removed ASAP. The inquiries reported are adverse and derogatory in fact and in principle, and their reporting is in violation of 15 U.S. Code 1681c - Requirements relating to information contained in consumer.

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 2020-08-08
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have filed previous complaint against Comenity Bank for harassing phone calls at least twice a day for my son 's credit issues-NOT mine. Obviously they call relatives to try to harass them for someone else 's debt that I have no control over. He does not live with me and it's ridiculous. They have started to harass my younger son as well calling and leaving messages on his cell about my older son 's deliquent account.I have blocked them on my cell but now they call with restricted numbers and leave voice mails! Here are the list of numbers they've used so far : XXXX XXXX Messages on Voice mail from Comenity Bank ( the ones I didn't delete ) Ms. XXXX XXXX XXXXX   XXXX XXXX XXXX XXXX 
Mr. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX. 
Mr. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX. 
XXXX XXXX X XXXX XX/XX/XXXX, XXXX XXXX. 
The account is for my XXXX yr old son XXXX XXXX. I would appreciate any help I can get with having them stop bothering myself and my family who know nothing about my son 's debt issues. I filed complaint before and they stopped calling my home number now our cell numbers! Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2022-04-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX, and this complaint can also be associated with case # XXXX. IF you look at that case the client clearly stated the following. 

" However, in an effort to resolve this matter, we have terminated collection efforts on the debt and requested the credit bureaus to delete our tradeline. '' I need this account updated asap and this trade removed from my file asap and an updated credit report sent out to me asap. 

Account name XXXX XXXX XXXX Account number XXXX Experian Report # 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 2023-09-22
Company: Experian Information Solutions Inc.
State: CA
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:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said account. XXXX XXXX XXXXXXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

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 2023-08-21
Company: Statebridge Company
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Due to financial setbacks following the recession, we worked with the bank to modify our mortgage in XXXX. It was our understanding that both the first and second mortgages were included as part of the modification, as both notes were held by the same bank. Since then, every payment has been made in full and on time. 

We've received no communication, written or otherwise, suggesting there was an unpaid debt owed. In XXXX we started receiving statements from Statebridge with no explanation as to where this debt originated. We assumed it was some kind of a scam. In XX/XX/XXXX, XXXX XXXX XXXX XXXX , XXXX, XXXX, XXXX XXXX as Trustee For XXXX XXXX filed for foreclosure on behalf of Statebridge. 

In addition to the XXXX in legal fees that we've paid for our defense, XXXX/Statebridge legal fees have more than doubled the original debt collection. A Motion to XXXX XXXX on our behalf is scheduled for XX/XX/XXXX, and a Trial is scheduled for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$3500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
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:
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 : XXXX XXXX XXXX Account : XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no 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 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 2020-08-08
Company: Grant Mercantile Agency
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:
XXXX  has repeatedly failed to validate this debt per my request yet it remains on my credit report and continues to have an increasing balance. 

The creditor Grant Mercantile continuously responds to my complaints but have yet to provide my signature on any documents that authorized transport in a ambulance and who the transport is for. Ive continuously in good faith have offered {$100.00} to settle this account regardless of validating the debt because it is hindering my score with their false reporting. They continuously come back with a counter offer that is outside of my budget and still fail to send me the documentation requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Credit Control, LLC
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was never notified that I owed a debt by the company. Debt collection agency constantly calling my phone and leaving messages and threatening to keep calling me until I pay a debt that Im responsible to pay them for. They threatened to keep sending negative report to all credit three bureaus in order to get a payment out me. Theyve already impacted my credit report which caused me to be in more financial hurdle. I want them to stop calling me and leave me alone. I dont owe them debt and they need to get rid of my 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 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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. I need the following items to be updated as soon as possible for they are making my score drop. 
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 2022-11-13
Company: HYUNDAI CAPITAL AMERICA
State: GA
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:
There are unauthorized businesses 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 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent multiple credit disputes to these companies for them to investigate things that were not mine. I sent my report to the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in a time frame they have not abiding in these laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I've been paying a lawyer who I was sued by XXXX XXXX XXXX XXXX XXXX. Original balance was 10,000, I'm now paying the lawyer a balance of 15,000 at monthly installments. I've tried recently to find the paperwork regarding the private student loan not from the lawyer 's but from the trust itself. I need some guidance as to where I can find the paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 provides important protections for consumers ' privacy rights.

604 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681b ( a ) ( 2 ), states that a consumer reporting agency may not furnish information about a consumer 's creditworthiness, credit standing, credit capacity, or other personal information to any third party unless the consumer has given prior written consent for such disclosure.

Section 1666b of Title 15 of the United States Code prohibits creditors from treating a payment as late for any reason under an open-end consumer credit plan.

My rights to privacy and consent have been violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: Experian Information Solutions 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 information incorrect

Complaint:
While in bankruptcy protection ( XXXX ) my mortgage was sold to XXXX. Even though monthly mortgage payments as well as monthly bankruptcy payments were made in full and on time, XXXX continued to assess unsubstantiated and unwarranted fees. Three separate complaints were filed with CFPB in XX/XX/XXXXregarding these unlawful charges ( XXXX on XX/XX/XXXX ; XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX ). On XX/XX/XXXX XXXX representative XXXX XXXX sent a letter that stated " XXXX  has determined that there are inaccuracies on your loan and have made corrections. Pursuant to the payment history the XXXX account was indeed current ''. since that time we have been trying to get XXXX to correct late payment notices they posted earlier in XX/XX/XXXXprior to that note. We have sent copies of the checks, as well as the day each individual month they were received and cleared our bank. XXXX sent reports to the credit reporting agencies that each of our first 6 payments to XXXX were 60 days late or more, and has been unwilling to correct this misinformation. Since we did not pay XXXX   anything additional other than mortgage each and every month, and they themselves determined us " current '' as on XX/XX/XXXX, ( and admitted mistakes ), something doesn't line up correctly. On XX/XX/XXXX we attempted to get this information corrected with no success. We filed a new complaint with CFPB ( XXXX ) trying to get the same, again with no success. Again, since the entirety of what we made were scheduled monthly payments every month, in full each and every month in XX/XX/XXXX... and we have the actual checks with the dates each month when they were received and the date they cleared XXXX 's bank that very same month, with no additional monies were sent to XXXX ... they admitted in XX/XX/XXXX they indeed had made inaccuracies with this account and corrected their account records ( and indeed the account was current ), how can there be 6 consecutive months of 60 days or more late from XX/XX/XXXX to XX/XX/XXXX? We even wrote on the front of each check " for use toward XX/XX/XXXX mortgage payment in full '' on XXXX  's check ( received in XX/XX/XXXX cleared by XXXX  XX/XX/XXXX ). This process was repeated each and documented each and every month, for the exact month the payment was due.

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 2023-10-15
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:
In accordance with the Fair Credit Reporting Act XXXX  Acct # XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, Has Violated My Rights. 

15 USC 1681 Section 602 A. States I Have The Right To Privacy.

15 USC 1681 Section 604 A Section 2 : It Also States That 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 non-monetary relief
Consumer complaint received 2022-12-20
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. 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. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 non-monetary relief
Consumer complaint received 2023-03-20
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. 
The 3 credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Open Date XXXX XXXX, XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief