BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

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 2018-02-05
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
Case # XXXX, XXXX XXXX XXXX Sold to Nationstar Mortgage DBA XXXX XXXX XXXX. 
Plaintiff Attorney : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX I am a victim of fraud and deception on my primary mortgage loan. My lender misrepresented the terms and conditions of the loan. My loan as to my understanding was with XXXX XXXX XXXX for my reverse mortgage. They failed to notify me to confirm the occupancy of my home and made a decision to declare it as vacant/abandoned which was inaccurate. I am filing a complaint to have this investigated immediately to avoid losing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX  had accounts open such as XXXX XXXX XXXX the amount of {$980.00} which I never moved into the apartments and XXXX XXXX account which had a breach in the company that was in the amount of {$670.00} and I also had 2 credit cards approved through them and I owe credit card debt in the amount of {$620.00} which really supposed to be in the amount of $ XXXX believe I was scammed in between XXXX and XXXX. I closed my account as of XX/XX/XXXX due to the knowledge I obtained and working on my credit through accurate companies annual credit report and my scores were different.

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 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$34000.00} XX/XX/2015

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 2019-12-03
Company: WELLS FARGO & COMPANY
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 have the same name as my father. There are inquiries not mine as well as accounts/tradelines that are there when I was XXXX years old. 

Sometimes items from him get onto my report. I also have had my computer/phone hacked before.

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 2021-05-26
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: AVANTE
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've been receiving many calls from Avanteusa ( apparently a debt collector ), from different phone numbers they own and use. I contact them trying to figure out what were the calls about since they have apparently a legit name associated to their phone numbers and explained to them that they have the wrong person on file since the information they have is wrong on such things as : address and birthday. I refused to give them my SSN since they were " requesting it to finally clarify if I was the person I was claiming to be '' but apparently that was the last bit of info they needed to leave me alone. I even check with services specialized in checking on identity theft and thankfully nothing bad has happened to my identity so far but even after talking to them they keep on calling me. It's annoying and it's definitively a harassment to my persona. I wish they could fix their problem if any and stop calling me. Thank God I've never been in a debt collection list and I've always been careful when providing my phone number ( I try to use a different one when I feel like it's going to shared between 3rd parties ) but I guess even with all the measures you can take to keep yourself safe, there's always a way to fall into these kind of annoying calls lists. I wish the government could do more to stop this companies since I did everything that was available on my side to clarify any mistaken info they might have about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: EQUIFAX, INC.
State: CA
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:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
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: Account information incorrect

Complaint:
The credit card company XXXX XXXX XXXX reported wrong information to the credit bureau about missies payment Ive sent the credit bureau the documents to support my claim from the company who has agreed to remove their error and the credit bureau still hasnt done so Ive never missed a payment on such account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11
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:
There are several listings on my consumer report that I did not consent to being reported by credit reporting agencies. My consumer right has been violated : 15 USC 1681b regarding permissible purpose which states that three criteria must be fulfilled before credit reporting agencies can disclose to your consumer report - obtaining written consent from the consumer, sending required disclosures before reporting, and disclosing my right as the consumer to opt out. None of these criteria were met before reporting said listings. Upon disputing these reports based on their reasonings, I was told that these listings were " verified '' and they remained on my report despite never having my written consent to disclose information to my consumer report, and despite never giving me notice of my right to opt out of said disclosure. 

These listings include all collection reports, all closed accounts, and all late payments that have been disclosed to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
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: Account status incorrect

Complaint:
I write to attach screenshots of my online acct at XXXX XXXX XXXX XXXX XXXX which states ACCOUNT CLOSED, Your Account is closed and Available credit {$0.00} which clearly documents that I have closed my account and my account obviously has been blocked from future purchase transactions. XXXX was required to report my account as Closed By Consumer simultaneously and promptly to all credit reporting agencies during my phone call to voluntarily close my account and block my account from future purchase transaction pursuant to the FCRA and XXXX XXXX protocols. Obviously, my screenshots clearly document that my account was closed and noted in the database of XXXX. However, my CLOSED account still remains reported to every CRA as OPEN and I have doubts whether it knows how to enter mid cycle mandatory reporting if Closed accounts or worse it may not report my account as closed in willful violation of the FCRA and XXXX XXXX protocols entitling be to {$1000.00} in Statutory damages against the Furnisher and every CRA who fails to report my account as Closed. No excuses will be tolerated for routine mandatory processing of my as closed. Please investigate and permanently report my account as closed and further mark my account as disputed.

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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The company XXXX is misreporting the credit history for three accounts : XXXX. The account reported on time payment on XX/XX/XXXX and the next month it is 90 days late. In XX/XX/XXXX it is reporting on time and the next month it is 90 days, then 120 and lastly 150 days. 

In accordance with the fair credit reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting 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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
My name is XXXX XXXX. I am writing for Transunion to remove outdated information. Please remove the XXXX XXXX XXXX XXXX  account XXXX in the amount of {$3900.00}. As of XX/XX/2023 this item needs to be removed, for XXXX years that this has been on my credit file. Please update my credit file and send an updated copy of my credit file with the deletion of this record.

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: EQUIFAX, INC.
State: MD
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:
DO NOT MARK AS DUPLICATE, THIS IS INTEND FOR EQUIFAX. 

RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX : XXXX 3. Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: CA
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:
n accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX 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

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 2021-05-29
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
THIS COMPANY XXXX  XXXX HAS ATTEMPTED TO COLLECT ALMOST 600.00 FROM ME FOR A DEBT OF XXXX, THE CREDIT LIMIT ON THIS CARD WAS {$300.00}, THEY HAVE DOUBLED IT BY THEY HAVE SENT LETTERS AND EMAILS, TO MY PARENTS HOUSE, HAVE ASKEDD MY MOTHER IF SHE WASS MY WIFE AND ASKEDTOLD HER SHE WAS LIABLE FOR MY DEBT BECAUSE, WE ARE MARRIED THIS DISCLOSED TO MY MOTHER WHOM THEY THOUGHT WAS MY WIFE, MY AMOUNT OWED, AND THE REPERCUSSIONS, IF SHE N I DIDNT PAY THIS BILL, THEY CALL 4 TIMES A DAY, MY MOM HAS ASKED THEM NOT TO CALL, SEVERAL TIMES, FINALLY THEY told her, she was spouse and this was our debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: Professional Finance Company, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a debt collection letter from Professional Finance Company , Inc. for a total amount of {$250.00} pertaining to medical charges they indicated were from XX/XX/XXXX. The original charge was indicated as being from XXXX XXXXXXXX XXXX XXXX 

My wife and I have made multiple attempts over the course of the past year to obtain a mailed copy of an itemized bill from XXXX XXXX as required by my XXXX XXXX prior to submitting any payment. On the most recent contact ( XX/XX/XXXX @ approx XXXX XXXX XXXX via telephone at XXXX ) to XXXX, I was advised that an itemized copy of the bill could not be provided and then hung up on by the representative to " assist other customers that she can actually help ''.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX is reporting a account as a Repo and this account is A fraudulent account I have wrote them letters plenty of times and have never received a response from them.

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 2023-06-16
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Recently, I did an investigation on my credit report which caused severe depression upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: EQUIFAX, INC.
State: CA
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 credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation