BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 sent letters to all three major bureaus the date of the last letter to TransUnion was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. I am starting to question the capability of this bureau on their investigation. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX  Original creditor XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance {$10000.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 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 2023-06-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have recently received a copy of my consumer report and I noticed an account that does not belong to me. Pursuant to 15 USC 1681c-2 Please block any item resulting from identity theft. Fraudulent account ( XXXX XXXX XXXX XXXXXXXX ) Fraudulent inquiry XXXXXXXX XXXX date of inquiry XXXX XX/XX/2022 )

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 2023-03-11
Company: EQUIFAX, INC.
State: DC
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:
XXXX XXXX Good News From XXXXXXXX XXXX  - Negative Item Removed Monday, XXXX XXXX XXXX XXXX XXXX XXXX Good news : you have positive updates on your credit reports. 
REMOVALS DETECTED 4 No longer on your EQUIFAX credit report datedXXXX XXXX Type of Negative Date Account Status Repossession XX/XX/XXXXXXXX XXXX XXXX XXXX, I REMOVED Collection XXXX XXXX US DEPARTMENT OF EDUCATION REMOVED Collection XX/XX/XXXX XXXX XXXX XXXX XXXX REMOVED Collection XX/XX/XXXX XXXX XXXX REMOVED XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
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: Account status incorrect

Complaint:
I have a loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/2020, and XX/XX/2020. There was an error on their part. I was never 30 days late twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 never had late payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This Information is Incorrect. Please remove it from my credit report. 

XXXX XXXX XXXX This inquiry was not authorized. please remove it from my credit report XXXX This inquiry was not authorized. please remove it from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: United Shore Financial Services, LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
United Wholesale Mortgage continues to fraudulently state that I am behind on my payments when in fact I am not. I have literally reached out to them describe their error for over one month ; I have created disputes through their customer service line but they are not resolving the issue. I refinanced my home loan with them in XX/XX/XXXX. My first payment was due XX/XX/XXXX according to their billing documents but the Loan Officer erroneously put XX/XX/XXXX on the promissory note. I have made XXXX payments to United Wholesale Mortgage, these XXXX payments equal payments that were applied to XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX. United Wholesale Mortgage is still saying that I owe for XX/XX/XXXX instead of XX/XX/XXXX and is threatening to negatively impact my credit if I don't pay for XX/XX/XXXX again. My bank account shows that I made XXXX payments to my loan account but the last representative that I spoke to refuses to listen to my logical and factual statement that XXXX payments have been made, This is a very urgent situation that I need resolved soon as not to negatively impact my credit erroneously. They erroneously applied late fees despite them saying they would not while the situation was resolved. I believe this is a predatory financial institution. I have factual proof of the situation that I have not missed one payment at all and only the XX/XX/XXXX payment is due. I am willing to pay it but I need them to stop assessing false late fees. Please help stop this type of financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am a natural person, consumer and Original Creditor. Actions that were taken me are below. My right to rescind was oppressed.

I have exercised my right to rescind within three years and the alleged obligation has not been fulfilled. I was met with a response from XXXX XXXX, Executive Resolution Advocate and member of Quicken Loans Senior Research Team. I sent certified mail with green return receipt. On the comparable recession form provided to me by Quicken Loans, XXXX XXXX, Director of Accounting & Political Programs at Quicken Loans is who I expected a response from per their request to address it to the Accounting Director.

I again am exercising my right to rescind from this consumer credit transaction, pursuant to 15 U.S. Code 1635 ( a ) ( b ) ( f ). Coupled with this cover letter is the, Notice of Right to Cancel form signed by me, the consumer. XXXX XXXX XXXX. In addition, I, XXXX XXXX am aware of 15 U.S. Code 1640 ( 2 ) ( A ) ( i ) and have identified that a finance charge, defined pursuant to 15 U.S. Code 1605 was assessed however, it did not include the sum of all charges ; Insurance ; ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. I, the consumer demand cure pursuant to 15 U.S. Code 1640 ( 2 ) ( A ) ( i ). Pursuant to 15 U.S. Code 1692e I the consumer was called a Borrower, that is false and misleading due to the fact that this is a consumer credit transaction.

Under 15 U.S. Code 1635 ( a ) ( b ) ( f ) - Right of rescission as to certain transactions ( a ) Disclosure of obligors right to rescind - Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section.

Pursuant to 15 U.S. Code 1635 ( a ) ( b ) ( f ) I have the right to recession of any consumer credit transaction according to section ( 4 ) Applicability - This subsection shall apply to all consumer credit transactions in existence or consummated on or after XXXX XXXX XXXX. Secondly, section ( f ) Time limit for exercise of right - An obligors right of rescission shall expire three years after the date of consummation of the transaction or upon the sale of the property, whichever occurs first.

15 U.S. Code 1605 - See proof attached as Exhibit A 15 U.S. Code 1640 ( 2 ) ( A ) ( i ) ( i ) - See proof attached as Exhibit B 15 U.S. Code 1635 ( a ) ( b ) ( f ) - See proof attached as Exhibit C 15 U.S. Code 1692e - See proof attached as Exhibit C Fact, applicable law is federal law. See proof attached as Exhibit E

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting 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:
I had open accounts that aren't mines and incorrect address and old accounts that they refused to remove.

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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am a victim of identity theft and I have been disputing my credit report with the correct information according to the FCRA. The disputes are not being filed correctly and the FTC report is not being attached to the disputes. And I am not getting the requested copies of the verification process. All of this is a violation of the 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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was a victim of this data breach and XXXX has done nothing. Please help me to delete these illegal accounts from my reports.

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My credit report is showing late payments to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.

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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Please block and remove this information from my credit report, Pursuant to section 605B or the fair credit reporting act and send the required information to all furnishers of this information five unauthorized fraudulent accounts include : XXXX XXXX XXXX $ opened XX/XX/XXXX XXXX XXXX  balance {$670.00} opened XX/XX/XXXX XXXX XXXX balance XXXX $ opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX $ opened XX/XX/XXXX XXXX Funding balance XXXX $ opened XX/XX/XXXX Unauthorized fraudulent address never lived there include : XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX, XXXX WI XXXX Unauthorized fraudulent inquires include : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
please see attached file

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents.

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 2023-06-21
Company: Experian Information Solutions 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 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 dated 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 you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


Please correct these accounts : XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} XXXXXXXX XXXX XXXX XXXX Balance : {$530.00}

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 explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Subject : Formal Complaint - Incomplete Verification, Reporting Inaccuracies, and FDCPA Violation XXXX XXXX ending in XXXX XXXX I am writing to express significant concerns regarding XXXXXXXX XXXX  recent reinvestigation results on the account associated with my name. XXXXXXXX XXXX failure to provide essential account-level documentation, inaccuracies in verification, and potential violations of the Fair Debt Collection Practices Act ( FDCPA ) have led to severe consequences. 

XXXX allegedly verified information without furnishing necessary documentation, breaching 15 U.S.C. 1681s-2 ( b ) ( 1 ) and 15 U.S.C. 1681s-2 ( b ) ( 6 ) ( 1 ). Moreover, false credit information dissemination since about XX/XX/2022 has resulted in credit denials and harmed my record, indicating a breach of contract. 

I assert that XXXXXXXX XXXX  actions were willful and reckless, violating section 1681s-2 ( b ) of the FCRA. Additionally, potential FDCPA violations under 15 U.S.C. 1692e ( 2 ) ( A ) regarding late payments raise concerns about false representations of debt. 

XXXXXXXX XXXX failure to conduct a thorough investigation and inaccurate reporting have caused distress, lower credit scores, and credit denial. Alleged violations of 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( B ) further compound these issues. 

I urgently request your attention to rectify these violations, safeguard my financial standing, and prevent legal action. Immediate corrective measures are crucial to restore accuracy and fairness in the verification process. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
Company: Experian Information Solutions Inc.
State: WI
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'm embarrassed I have to file a complaint I thought exercising my right as a consumer was protected and that laws had to be followed. I have been disputing these inaccurate and unverifiable accounts for months now with no response or mail in response to my request as a consumer. On XX/XX/2022, I sent disputes concerning accounts that are illegally reporting on my credit in violation. In accordance with 15 U.S. Code 1681i ( 7 ) I, the consumer has the right to know the description of the method used to verify the information furnished on my consumer report. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), the contractor is required by federal law to verify - through the physical verification of the original signed consumer contract for any and all accounts you post on a credit report.

USC 1681a ( e ) makes it clear that if a consumer reporting agency investigates something then it is known as an " Investigative Consumer Report '' but i do know for you to investigate things you need to conduct interviews with the following : - Interviews with neighbors - Friends - Associates of the consumer - or anyone who might have knowledge concerning such items of information I have yet to receive any proof from the person that is reporting on my consumer report. I was not sent any information, I've been getting papers from XXXX saying I'm working with a credit repair which is clearly not. They even refused to process my disputes as a consumer isn't that illegal? The cause of this has been stressful and impacting my financial life to purchase anything. On XX/XX/2022 I sent another letter to comply with my request which might get ignored like all the rest which is why I'm making this complaint now.

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