BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-29
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:
I have sent letters to XXXX, XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX XXXX XXXX is the company that is reporting to XXXX and they were able to remove it to TransUnion and XXXX. And for XXXX is the company is the company that is reporting to TransUnion and they were able to remove it to XXXX and XXXX. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 items indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. 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 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 2023-06-02
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Today, XX/XX/2023, I tried to pay my hotel bill with my US Bank Visa debit card and it was declined even though I have enough money in my account. I called customer service for US Bank and they said they suspected fraud and transferred me to the fraud department. The fraud department left me on hold for a long time and I had no guidance from their phone system as to how long the hold was. Since I did not do anything unusual, I think the fraud tag is their fault not mine and that is why there are so many customers being transferred to fraud. I can not get this fraud tag taken off without calling them but it is impossible to talk to their fraud department. They never do anything when I email them, so I am not falling for that again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Previously I have filed a dispute with TransUnion Credit Reporting service, they failed to properly investigate and verify the entry from XXXX XXXX # XXXX. 
The role of the national consumer credit reporting agency in the dispute process is to review the accuracy and completeness of any disputed items. It appears that TransUnion is rubber stamping what has been placed in their files without verification. 
The original entry was from XXXX. XXXX has stated that they removed the entry on XX/XX/2012, yet XXXX has never updated their entry. Transunion has never verified the entry with the source. 
XXXX  has never replied to my specific request for verification. They sent me a copy of the original XXXX invoice for {$60.00}. No verification. I cancelled the service because it did not work, I had no signal strength. 
XXXX is attempting to use the Credit Reporting system as a collection technique. No specific response to my denial of the debt was forthcoming as of this date. My only source of current information is seeing their name on my credit report. The above is a scheme preying on consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: GA
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:
To Whom It May Concern : I am writing to once again dispute false items in my Experian credit report. I have disputed the false accounts on my Experian report multiple times, both directly and through the CFPB. I hope that this letter finally gets to the right person. 
I am and have been in the past a victim of identity theft. I do not know if all or some of the false accounts in my Experian report are due to that or if you are mixing me up with someone else. In recent phone calls with Experian, I was told that my account was with the " mixed '' department. I have no problems at this point with XXXX or XXXX XXXX reports. It is only Experian. I am enclosing both an FTC Identity Theft Report and local police report, so hopefully, this time, you will please believe me that the accounts are not mine. This has destroyed my credit and stressed me to the point that I can not sleep at night. Please fix this.

Im going to file this complaint one last time and ask and demand that experian fix and resolve this issue and matter, Im in the process of hiring legal counsel to assist me with this problem and if this issue is not addressed by experian I will file a law suite this is my last request to experian, I have sent information after information, I am a victim of identity theft and experian needs to take seriously, This account, XXXX XXXX is a fraudulent account it was open in my name I did not open this account, this is making it easier to file suit against experian, I want this account removed immediately Im sending a police report and a ftc identity theft affidavit along with a letter from an attorney nor removed this account XXXXXXXX XXXX or be sued, this lawyer can get me six figures, all Im asking is for this account to be removed from my report, Im tired of being hung up on and constantly transferred, I have several of yalls reps recorded and found out that my file has been in the mix department this whole time and experian is ignoring the fact that I am a victim of identity theft, they have removed the other accounts from my file because I have provided a police report and the information to remove those accounts, ether remove that account or Im going to sue this company for damages, this is my exact last request and demand from this point

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 2020-06-10
Company: Franklin Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1958 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX FRANKLIN COLLECTION SV XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious FRANKLIN COLLECTION SV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1958 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: EQUIFAX, INC.
State: CT
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 items indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Experian Information Solutions 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 have contacted these credit bu bureaus about a collection account that is on my account that does not belong to me. I have sent letter after letter asking for the inaccuracies of this account and other accounts to be removed. I have I have yet to hear anything back from the credit bureaus. I have sent numerous letters and made numerous phone calls about the matter but they have been completely ignored. The information that is being reported on my credit report by the bureaus is not accurate and is not valid I would like for this to be re-investigated and removed because it does not belong to me. These accounts are in violation of my rights. These accounts are reporting collections status with past due balances which is impossible. How can a account being a collection status, but have a past due balance. That is a violation of my rights, and it is not being reported as accurate invalid. The dates on these accounts are in accurate, each bureau is reporting different dates for the same account. How is that possible in regards to the same account with the same account number but all the dates are different and balances are different. I want this stuff removed immediately from my credit report and sent a copy of my report in the mail to my address ASAP.

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 2023-10-19
Company: Experian Information Solutions Inc.
State: IL
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 implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile 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 explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: FL
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:
See letters attached delete fraudulent accounts, inquiries and fix late payment reporting errors on the XXXX  XXXX 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 explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
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. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX, 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 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. The following inquiries were also opened under my social security number fraudulently. XXXX XXXX XXXX XXXX XXXX XXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: TRANSWORLD SYSTEMS INC
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This collection agancy has on my XXXX Report 5 marks for one account, they are reporting as if I have five separate bills this is wrongful ways of reporting collections, and against the laws the help prevent collection agencys like this to report a collection wrongfully. Secondly it has been paid and yet another derogatory mark has been placed on my credit. 

I want this taken care of or I will I am suing a company as we speak I have no issue adding to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am contacting you to request the deletion and removal of the following accounts and information from my consumer report. It is imperative that these accounts and information listed below are not reported on my consumer report. This action is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Therefore, I urgently request that you remove these accounts and information from my consumer report without delay, as they are in direct violation of multiple laws. I expect immediate action to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I applied for XXXX - I have worked as an educator for 9 years and made payments during the entire time. Mohela told me that on XXXX of the XXXX payments that were made applied towards XXXX. This is because I attended school during XXXX of the years. I did not take out additional loans or ask XXXX that my loans be placed in deferment during the periods I attended school. I made full on-time payments. I was told that because I filled out a fafsa, ( I was forced to when I enrolled in the schools I attended. ) XXXX automatically placed my loan in deferment. When I received notification that the loan was in deferment - I told them deferment wasn't necessary and that I was paying the loans regardless. They said they would not take them out of deferment because I was in school. I was also working full-time as a teacher at a qualified school during all the periods I was in school. My understanding was that my loans still collected interest while on deferment so there was no benefit to NOT paying. Additionally, mohela took another year because they stated that XXXX reported that I was late in making payments through all of 2017. XXXX shows that I consistently paid them within the same 3 days of the beginning of the month for all of XXXX. The report shows that I made the payments 6 days early for 12 months. I was told regardless of the early payment - the payments fell out of XXXX 's XXXX window and the entire year would not be counted. Additionally, every time I inquired about the possibility of XXXX with XXXX before XXXX, I was told none of my loans would be able to participate in the program and strongly discouraged from applying. 
The purpose of XXXX is loan forgiveness for educators and public service workers who paid on time while working full-time. I did that, even while in school. It is unfair and those time periods should be counted as qualifying payments to the program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I have not supplied proof under the doctoring of the estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. 
I have NO CONTRACT for goods and services with this company. I have not supplied proof under the doctoring of the estoppel by silence. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. This is a violation of the FCRA according to 15 U.S.C. 16921692P

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