BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal law. under the FCRA to have a copy of the original creditors documentation on file to verify that the information is mine and is correct. ( XXXX  Account number - XXXX ) DATE OPEN XX/XX/XXXX ( XXXX ) XXXX  Account number XXXX XXXX ) DATE OPEN XX/XX/XXXX ) ( XXXX ) XXXX XXXX XXXX  Account number - XXXX ) DATE OPEN ( XXXX ) SXXXX XXXX  Account number - XXXX ) DATE OPEN XX/XX/XXXX ) ( XXXX ) XXXX XXXXXXXX Account number - XXXX ) DATE OPEN XX/XX/XXXX ) ( XXXX ) XXXX Account number- XXXX ) DATE OPEN XX/XX/XXXX ) ( XXXX ) XXXX Account number - XXXX ) DATE OPEN XX/XX/XXXX ) ( XXXX ) XXXX XXXXXXXX Account number - XXXX ) DATE OPEN XX/XX/XXXX ) ( XXXX ) XXXX Account number - XXXX ) DATE OPEN XX/XX/XXXX ) in the results of your first investigation and subsequent re investigation, you stated that you verified that these items are being reported correctly? who verified these accounts? you have not provided me a copy of any original documentation a consumer contract with my signature on it. as required under XXXX5 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( a ). furthermore, you have failed to provide the method of verification as required under 15 USC 1681i ( a ) ( 7 ). please be advised that under 15 USC 1681i ( 5 ) ( a ) of the FCRA- you are required to " PROMPTLY DELETED ALL INFORMATION WHICH CAN NOT BE VERIFIED. The law is very clear as to the civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under FCRA.

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 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act, the list of accounts in the letters I attached herewith has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 of 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 2023-03-02
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am travel healthcare worker and need to book short term housing near the hospital I sign a contract for. On XXXX I prepaided for a month on what seemed like a nice short term furnished housing. Upon arriving at said " housing '' on XXXX I learned the property was not all what was described or shown. It was run down, dirty, unsafe and the pictures for the inside of the rooms were clearly taken from one larger room they had fixed up and used to list all their rooms. I talked with the owner of this old run down XXXX XXXX now under a different name and was lied to again about all the rooms being the same. This not the case since I found info on zillow that the square footage of the rooms are not all the same and thus they just trying to scam people. I stayed for a week before leaving and getting better accommodations. I asked the motel to charge me for the appropriate days, they refused and want to keep the full month stay of {$1400.00}. I started a dispute with my discover credit card on XXXX for {$1000.00} difference. On XXXX they claim the transaction is valid. I sign the paperwork they sent me to continue the dispute and less than a day later, again they say it is valid. I completely disagree and will not pay for a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. Thank you. 
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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 2023-10-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, Experian, and XXXX ive requested for a Full Disclosure Report from all XXXX major bureaus! And can not get them. They cant verify my identity if what they are saying. I cant get into my XXXX  account nor My XXXX online account. Experian I found a digital account under my name.I want access to everything on each 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 2018-02-28
Company: Duncan Solutions, lnc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received at letter dated XX/XX/XXXX Notice of Assignment to a Collection Agency for {$75.00} for a violation of toll crossing XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, WI XXXX. It stated Ca XXXX XXXX XXXX crossed the bridge without paying at XXXX hours. We have never owned this vehicle or crossed the XXXX XXXX on this date. I called XXXX of XXXX XXXX XXXX at XXXX XXXX XXXX XXXX today at XXXX A.M.and she stated she would take care of the account # XXXX and delete the charges. I have also sent a followup letter to the company in question. As a retired XXXX XXXX employee I researched the company and found several fraudulent activities alleged against it. 

As a senior citizen and retired XXXX XXXX I would like to file a formal complaint against this company who are clearly trying to bilk California 's out of their hard earned money. 

Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: SLM CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
15 U.S. Code $ 1681c-2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: NRA Group, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi XXXX  XXXX ; National Recovery Agency ; I'm really sad, confused and stressed, and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2022-09-13
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 identity was stolen, and I had no knowledge of this account until I went to get prequalified to buy a home. I had my wallet stolen in 2018 which my social security card and license and health care info had been compromised. A crime has been committed against me and someone is opening accounts and applying for credit using my social security number, I have been disputing and fighting this and other accounts since leaving a bitter EX-Spouse. I had contacted the police department and reached out to this company directly with no response, and filed an identity theft report. I have disputed this account with all three bureaus and they have all verified this item. How is this verified without my consent. I want a full investigation and will like this removed from my credit report entirely. I would like to buy a house. I have fraud alerts and freezes on all of my reports. All info have been sent to this company, I pay all of my bills on time and would have never gotten a loan.

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 2023-03-07
Company: Mankin Law Group
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
RE : XXXX XXXX XXXX XXXX, FL XXXX To whom may concern I am writing to you in regards to the actions taken by Mankin Law Group against me.

Mankin Law Group intent to collect an alleged paid debt of {$570.00} and added some other illegal fees.

I believe that these companies have violated federal law and filed an illegal lien against my property. 

On XX/XX/XXXX, I sent a cease and desist letter and an affidavit of truth to Mankin Law Group, pointing out all the federal laws they violated against me, including the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I asked them to send the account and return it to the original holder XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX which is my XXXX XXXX XXXX. Despite this, on XX/XX/XXXX, I received a letter from them attempting to collect the debt again. Not only did they violate the cease and desist letter, but they also filed an illegal lien on my property. 

I was owing a balance to my home owner association of {$210.00} for the assessment due on XX/XX/XXXX, and a quarterly assessment of {$280.00} due on XX/XX/XXXX, plus a late fee of {$50.00}, totaling {$570.00}. On XX/XX/XXXX, West Haven HOA received the check on my behalf of {$570.00}. Not only did they cash it, but they continued to tell me that the account is with a lawyer- debt collector and they can't give me any details. 
This is a big mistake on their part, as they had no right to cash the check if they did not have the account.. This is a clear violation of federal law and a clear indication of their lack of good faith in dealing with this matter. 
I also sent a letter to XXXX XXXX XXXX asking for the contract of the XXXX XXXX, but they ignored my request. I have all the letters and certified mail signed by these companies when they received all the documents and requests I had. 
Therefore, I am issuing this letter to demand that Mankin Law Group, and XXXX XXXX XXXX XXXX take immediate action to rectify their actions against me. I demand that the lien on my property be removed immediately, and the account be returned to the original holder. I would like these companies to show good faith in this matter by expediting the securing of the alleged information listed in mankin law group site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity thef since the fair debt collection practices act is intended to secure my right to privacy and my privacy has been breached. 

Please contact me as soon as possible to discuss this matter further. 

I also contacted the Office of Attorney General XXXX XXXX XXXX of Florida. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$1200.00} ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$670.00} XXXX XXXXXXXX XXXX Balance : {$830.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1200.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : 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 2023-03-03
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2023 a Checking account was open using my personal information. I contacted the company about this matter but couldnt get in contact with anyone over the phone so I went into a branch, they informed me the someone used my personal information to open an account online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I applied for a bank account and they needed to pull my credit. They told me my account was locked with Experian, so I went to what I thought was Experian 's website to do a " thaw '' of my credit report. However, apparently Experian offers " freezes '' and " thaws '' as a separate service from their " locks, '' so my account was both frozen and locked, so undoing one had no effect on the other and I the bank was unable to pull the information. Furthermore, the automated system for Experian will not transfer callers to a live agent. I called every phone number I could find online, and eventually their system just hangs up on you. I emailed their support, and once again it had no useful information, and no one would contact me. I eventually was able to get someone with the third party provider that does their freezes. This is horrible service, and the credit bureaus have a duty to treat customers better. They need to have live agents that consumers can talk to when access to their credit report is cut off. I even called their fraud department and could not get a live agent. This is unacceptable, and they need to stop this two solution confusion when it come to credit freezes.

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 2023-03-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom ThiS May Concern : I am confused as to the entity claiming to own my loan. 
Please send me the last copy of the original Promissory Note in your possession and an accounting on my loan for the time you were the servicer. I have asked for this repeatedly previously, but it was not sent. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation