BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2023 On XX/XX/2023, I personally called all three credit bureaus fraud departments to request that each agency verify and investigate each collections that they are reporting and remove all late payments, charge-offs, past due, closed accounts from the collections that are reported on my report. I also requested that all hard and soft unauthorized inquiries, all old addresses, employment and phone numbers that are not associated with me and my present life. To no avail! The Fair Credit Reporting Act also says that all three agencies reporting be consistent and accurate evenly across the report for each account that is reported on or about an consumer in which there are several reporting discrepancies that they have put on my account in regards to the collections account attached to the reports. XXXX, XXXX, and TRANSUNION have not fulled their duties as consumer credit reporting agencies per the Fair Credit Reporting Act and Code of Federal Regulations. 

In accordance with the Fair Credit Reporting Act these creditors ( XXXX, XXXX, TransUnion ) have violated my rights under 15 U.S.C 1681 section 602, states that I have a right to privacy. 15 U.S.C 1681 section 604, 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666-B a creditor may not treat a payment on a consumer credit account under a open end consumer credit plan as late for any reason on a collection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29
Company: Experian Information Solutions Inc.
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:
this XXXX XXXX XXXX account is attempting to claim that i owe {$14000.00} debt that i have never even heard of. this account has been furnished on my credit file without my authorization. i XXXX XXXX XXXX have never signed any contract or attended any XXXX XXXX XXXX purchase. i have never given XXXX XXXX XXXX authorization to create an account and start billing me for i have never utilized any services or accomodations by this company and i need this account to be removed from my credit file immediately. i contacted XXXX XXXX  and they told me i needed to contact the credit reporting agency to handle it they can not do anything to verify that the debt belongs to me. being that i did not authorize or use this service i do not authroize this to be reported on m credit file as an account that i agreed on because i didn't. this debt needs to be investigated and removed for fraudulent activity. 

based on Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) you where supposed to XXXX report the results of the investigation to the consumer reporting agency ; i never gotten any verification that this debt is accurate and belongs to me so the result of that action not taken place being that i have not been provided with proof or evidence that the debt belongs to me then XXXX if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do XXXX of the following : a. modify the item of information. 
b. delete the item of information. 
c. permanently block the reporting of that item of information. 

update my credit file immediately

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 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-08-15
Company: EQUIFAX, INC.
State: SC
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 XX/XX/2022 I received a copy of my consumer reported and noticed this one account which was open fraudulently XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) balance {$1200.00} I have no knowledge of this account and I want it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX XXXX XXXX # : XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX ACCOUNT # : XXXX This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : 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 2019-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I noticed on XX/XX/XXXX that hard inquiries have been made on my credit report from XXXX XXXX that I did not make. I had 2 inquiries on XXXX  and 2 inquiries on Transunion. 
I contacted XXXX on XXXX via phone and they informed me they could not do anything unless I contacted the companies which initiated the credit being pulled. I did not call Transunion on XXXX because their costumer service department was closed. 

Per XXXX request, On XXXX, I contacted XXXX XXXX GA which was one of the hard inquiries on my credit report and I explained to XXXX that I did not reach out to them to obtain new services that my credit report was showing occurred on XX/XX/XXXX. 
They reported that they would begin an investigation and reach on to me on XX/XX/XXXX. I then reached out to the second company, XXXX, that also initiated a Hard inquiry on my XXXX credit report. XXXX then asked me to reach out to XXXX XXXX of XXXX GA as that is where the request to pull credit had come from. After talking to the employee, he pulled up the file that was flagged as fraudulent and deleted it. XXXX also asked me to submit a dispute letter to them about the credit inquiry. 

I then moved on to my Transunion inquiries and decided to call the companies first since it seemed that the credit bureaus wanted me to resolve it with the companies. The first was XXXX XXXX XXXX XXXX XXXX and when I called them, there was no information the account and therefore could not give me any information that I could turn over to Transunion . I moved on to the second one which was XXXX ( XXXX XXXX XXXX ) and was connected to their department. They said there was nothing they could do and encouraged me to call Transunion and XXXX XXXX, where the inquiry had came from. I called XXXX XXXX and they said they had an inquiry online and that the bank denied it. The representative encouraged me to reach out to Transunion. 

I reached out to Transunion and all I got was basically " Sorry, we can't help you unless you get letters from all these companies saying that it 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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2020-02-13
Company: National Finance Company, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Please submit under the penalty of perjury on and for the record. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Below are a few questions to answer which may help you to resolve these mistakes. 
1.The name of the original creditor ; and 2. The address and phone number of the original creditor ; and 3. The name of the person who verified the dispute with the original creditor ; and 4. The cusip information for the application ; and 5. The True Books including : balance sheet, FAS 95, Thrift Finance Report ( TFR ), FR 2046 Balance Sheet, 1099-OID, S-3/A registration statement, 424-b5 prospectus, RC-S and RC-B call schedules. 
6. Please furnish a copy of the original contract showing my social security number to prevent identity theft and state under penalty of perjury that your client is the party in interest of the contract and will produce the original for my own and a judge 's inspection should there be, trial to contest these matters ; and 7. Please produce account and the ledger Statement showing the full accounting of the alleged obligation you are now attempting to collect. 
8. Please furnish the license of the person collecting on the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: United PanAm Financial Corp.
State: OH
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 to the Fair Credit Act. These creditors have violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on credit card account under an open consumer credit event as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need to delete are listed in in the report. I am a victim of identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity theft Affidavit. Please delete the items as soon as possible.

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 2020-02-13
Company: Central Portfolio Control Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
information below is creditor I'd like to file complaint, my credit score dropped 131 points from XX/XX/XXXX - XX/XX/XXXX because of the false information they'd reported to credit bureau and I've filed a disputed which is completed and deleted ( see below ) but need to request how to get my credit score back up? please advise thank you XXXX XXXX CENTRAL PORTFOLIO CONT Account XXXX This item was removed from your credit report. Please review your report for the details. 
XXXX icon Deleted You can contact CENTRAL PORTFOLIO CONT at XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX, MN XXXX or ( XXXX ) XXXX-XXXX  After your dispute : This item was removed from your Credit Report. 
Before your dispute : Account NameCENTRAL PORTFOLIO CONTRO Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusCollection account. 
Status UpdatedXX/XX/XXXX Balance {$150.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX   Monthly Payment {$0.00} Original Balance {$150.00} Highest Balance {$0.00} Terms 1 Months On Record UntilXX/XX/XXXX Payment History XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX Historical Information First ReportedXX/XX/XXXX Original CreditorXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
In XX/XX/XXXX, I started to question my PMI because I live in the XXXX zip code of XXXX - the hottest real estate market in the XXXX area. In XX/XX/XXXX, I requested via email and fax to have my PMI eliminated. I was told that if they went by my XXXX  re-finance appraisal of {$460000.00}, my property would still be below the required 78 % Loan to Value ratio to qualify for PMI elimination. XXXX from Fifth-Third Bank told me that the other option I had would be to request a appraisal, to be paid for by me. They would send someone out to appraise the property. The appraiser came out in late XX/XX/XXXX. I called several times after I received the report stating my property appraised at {$530000.00}. 
A couple of weeks later, I received a letter from Fifth-Third Bank stating that my property did not meet the required 75 % LTV as it was at 75.82 % LTV and therefore my PMI would not be cancelled. I contacted the company multiple times, and could never get a straight answer. My re-finance documents clearly state that I reserve the right to have my PMI removed once the LTV is at 78 %. 
I feel like I am being discriminated against because of my race. Everyone knows that these mortgage companies attempt to scam XXXX and XXXX people into paying more. They never give us a straight answer on anything. Each time I contacted this lender, I received a different answer from they never received the faxed request to review my PMI to the LTV would have to be at 78 % to being bullied into demanding to know who said 78 % to telling me as early as last week that they needed to check with " the investor '' of the loan to determine what the LTV should be. Clearly someone sent the letter so they got that information from somewhere. And, when demanded to know who " the investor '' of my loan was, XXXX ( the manager ) said it would be XXXX XXXX or XXXX XXXX. Everything I've read online seems to suggest that XXXX XXXX and XXXX XXXX subscribe to the 80 % LTV ratio. Today ( Monday, XX/XX/XXXXXXXX  around XXXX CT ), someone named XXXX contacted me stating he would look into my formal written complaint that I sent Friday, XX/XX/XXXX, but had no answers about the LTV saga. I need a third party to help me fight the XXXX profiling and discrimination this mortgage company seems to be practicing while having loans underwritten by XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my federally protected rights to privacy and confidentiality! Under 15 USC 1681. 

I previously told XXXX, Transunion and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All 3 agencies stated these accounts were accurate, but thats not possible because there are major inconsistencies with open date, date of last activity, and high balance when I compare my 3 credit reports.

According to USC 1681 section 5, the agencies MUST modify any account that is not reporting accurately.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 ( a ) ( 5 ) : NO consumer reporting agency may make ANY consumer report containing any of the following items of information : any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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. 

FURTHERMORE, I have evidence to prove these agencies ( Transunion, XXXX and XXXX ) are not in compliance with Metro 2 standards, the standards that they themselves created!

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX Balance : {$4.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX  Balance : {$110.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: PA
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:
To whom this may concern, After reviewing the updates made to my credit report. Your company is reporting inconsistent last payment dates, incorrect credit limits, along with inconsistent last dates of activity. According to my credit report, This alleged charge off is over 9 years old your company should no longer report this debt to the credit bureaus. Please delete this alleged charge off from my credit report due to inconsistent reporting, statue of limitations has passed, and lastly due to reporting on debt over 7 years in the state XXXX XXXX 

Kind regards,

Company response to consumer: Closed with explanation