BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-10-18
Company: EQUIFAX, 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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XXXX/XXXX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My address : XXXX XXXX XXXX XXXX, Sc XXXX My name to : XXXX XXXX XXXX My social security number is : XXXX My correct date of birth is : XXXX As proof of my identity, I have included copies of my drivers license and a utility bill. I have also included a copy of my credit report with the information I am requesting to be verified and deleted. 

NAME XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX, XXXX, SC, 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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX and XXXX hard inquiries from XXXXXXXX XXXX XXXX appeared on my TransUnion and XXXX credit reports. 

On XX/XX/XXXX hard inquiries from XXXX XXXX XXXX XXXX appeared on my XXXX 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 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 

Please delete these accounts from my credit report if you can't provide these 4 things below 1. The Original Contracts With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchants ) 3. The Payment History and Itemized Billing Associated With These Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) 1. Account Name : XXXX XXXX Account # XXXX 2. Account Name : XXXX Account # XXXX 3. Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX 4. Account Name : XXXX XXXXXXXX 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 2022-10-18
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-18
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
My Synchrony Bank JC Penny account balance is currently around {$900.00}. However, this information is not correct on all three of the credit bureaus where they are showing a balance of over {$6000.00}. Since XXXX of 2022, I have contacted Synchrony Bank numerous times and have filed a dispute through the proper credit bureau 's channels, which is now closed. To further complicate matters after speaking with Synchrony Bank in XXXX 2022, the account balance went from over {$6000.00} to {$7000.00}, and an immediate decrease in my credit score. This inaccurate information has caused me to have several declined requests for credit with the most egregious being refused living accommodations for a XXXX XXXX veteran.

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 2019-09-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
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:
Collection account from Portfolio Recovery Associates is listed as having a balance of {$450.00} on my credit reports. I disputed with them onXX/XX/XXXX, and received a letter showing my balance as {$450.00}, which is not reported on my credit. They also said that further disputes would not be entertained. Due to the incorrect reporting of this account, it needs to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I recently received a copy of my consumer report after submitting an investigation request into the accounts being reported inaccurately on my report. XXXX XXXX. The account is still reported inaccurately, I have never agreed to any consumer contract with this corporation and when I asked for the method of verification to be supplied I never received anything back. Now after submitting my CFPB compliant regarding this account the consumer reporting agencies stated that the account has been updated when in fact all they did was reset the start date and last report date which according to federal guidelines that's illegal because that would change the date for the 7 year term that an account is suppose to stay on a consumer report before being deleted. I have supplied a copy of the account in question which you can clearly see that none of the information matches.

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 2023-08-23
Company: Southern Oregon Credit Service, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt collector is XXXX XXXXSouthern Oregon Credit Service . Received 1st letter XX/XX/XXXX stating I owed a debt of {$3400.00}. There was no proof I owed this alleged debt, I sent a certified mail debt validation letter to them on XX/XX/XXXX. I asked for Name and Address of Alleged Creditor, Name on File of Alleged Debtor, Alleged Account, Address on File for Alleged Debtor, Amount of alleged debt, Date that this debt became payable, Date of original charge off or delinquency, Was this debt assigned to a debt collector or purchased?, Amount paid if the debt was purchased, Commission for debt collector if collection efforts are successful. Also asked for a copy of the agreement with the client that grants them the authority to collect this alleged debt, and a copy of any signed agreement the debtor has made with the debt collector or other verifiable proof the debtor has a contractual obligation to pay the debt collector. As well as a copy of any agreement that bears the debtors signature, wherein they agreed to pay the creditor. 
Received another letter from them on XX/XX/XXXX stating the alleged debt and this time there was the first top page of a summary judgement included. 
This did not include the proof I asked for, so I sent a 2nd certified mail verification letter stating that the collector failed to validate the debt and they need to delete the debt, be removed from the firm file and copies of deletion must be sent to me. I also stated they should not contact me again. 
I then received a 3rd letter, this time with the first top page of a summary judgement, and also a list of alleged debt written in their office. Still no proof was given and this is now harassment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 2023-01-12
Company: EQUIFAX, INC.
State: NJ
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:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 

Please delete these accounts from my credit report if you can't provide these 4 things below 1. The Original Contracts With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchants ) 3. The Payment History and Itemized Billing Associated With These Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) 1. Account Name : XXXX XXXX Account # XXXX 2. Account Name : XXXX Account # XXXX 3. Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) Account # XXXX 4. Account Name : XXXX XXXX XXXX  Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: AL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: MI
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/2023 I contacted Experian credit reporting agency and informed them of a unauthorized inquiry ( XXXX XXXX ) being reported on my consumer report. I demanded them to remove the unauthorized inquiry failed to do so.

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 2022-12-15
Company: BANKMOBILE TECHNOLOGIES, INC
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX XXXX  I contacted Bank Mobile XXXX about some transactions from merchants that I never received my orders. The merchants told me that I would need to file a dispute with my bank. I filed a dispute with my bank, and it's almost been 60 days without any credit back. Also, every time I try to use my debit card at any atm it says there's an issue with my debit card, to contact my bank. I have brought this up to my bank as it is frustrating. Even though the atm said the transaction couldn't be completed it was still deducted from my balance, but no money came out of the ATM. I had to file a dispute for that as well and I am still waiting to hear back from Bank Mobile.

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 2022-10-18
Company: Experian Information Solutions 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 XXXXt 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 agency can not furnish a 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 2021-09-27
Company: Flagstar Bank, N.A.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXXXX/XX/XXXX, I received a notice that my mortgage loan Escrow had a shortage of {$15000.00} and that my monthly payment starting XXXXXX/XX/XXXX would be increased from {$3000.00} to {$4700.00} in order to cover the shortage. 

In reviewing my account & tax assessor information, I discovered that Flagstar Bank, paid a total of {$16000.00} in property taxes for XXXX from my escrow account when my total taxes for XXXX were only {$4800.00} annual. 

On XXXXXX/XX/XXXX, I submitted a request asking that my escrow account be corrected as Flagstar Bank had overpaid my property taxes, which led to an escrow account shortage and that a new escrow analysis be completed. 

As os XXXX XXXX, XXXX. I had not received any communication from Flagstar Bank therefore, I sent another request. To date, the issue has not been corrected and I now face an increased mortgage payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT.I WOULD NOT EXPECT SOMETHING OF THIS MAGNITUDE TO OCCUR. I FIND IT SURPRISING THAT I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THAT WERE NOT OPENED BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF TRYING TO BUY A FOREVER HOME FOR MY FAMILY! PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT 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 2022-10-18
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On or about XX/XX/2022 XXXX XXXX ( @ XXXX ), my electrician, sent me a {$300.00} transfer ( credit ) and a {$400.00} transfer ( credit ). He immediately sent me a text message stating, Hey decline any money I sent you I have been hacked. I responded by saying, Will do and I returned or declined the transfers. I followed up with him on XX/XX/2022 and asked, Did all of the money that was sent to me in error get sent back to you? and he responded, Yes thanks. 

At some point after the XX/XX/2022 communication, Venmo locked my account stating they needed a copy of my drivers license. I subsequently logged into my account and uploaded pictures of the front and back of my Ohio drivers license. Then, my account showed a - {$690.00} balance and theres a request to restore my account. 

It appears to me that Venmo debited my account the {$700.00} that my electrician claimed as fraud. There's nobody at Venmo that seems to be interested in helping me resolve this issue. I've had several email exchanges with them and the only response I get is that these issues are handled by a different department. I called in last week and spoke to a woman that gave me the same response but she did say she would forward my information onto the correct department. At this point, I've heard nothing from anyone. 

I would appreciated the CFPB 's assistance in straightening this issue out. I have tried on my own and I can't get Venmo to at least have a conversation to discuss the situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-18
Company: Patient Accounting Service Center
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This is a workers compensation case when I got hurt on the job. I have hired a lawyer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to represent me on my workers compensation case.. This is a bill from the emergency room on XX/XX/2022. I am waiting for a hearing date

Company response to consumer: Closed with explanation