BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Pursuant to 15 U.S code 1681b ( a ) ( 2 ) I am aware that a consumer reporting agency needs the written instructions of I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. Please provide the written instructions that I, the consumer, gave to XXXX which has authorized the furnished information. If you can not provide me with these instructions written, this has been a fraudulently made consumer report using my identifying information. 1. Addresses : XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX, XXXX XXXX XXXX XXXX XXXX Ca XXXX 2. Phone number : XXXX 3. XXXX. XXXXXXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX Inquiry 11. XXXX XXXX 12. XXXXXXXX XXXX XXXXXXXX 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 2018-04-18
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
One Main has violated 15 USC 1692 by continuing collection after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: TX
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'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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 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 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 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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've disputed this XXXX account over the past 2 years and nothing has been done to correct the issue. Transunion finally removed the account and then reinsert the account without my knowledge or notification. XXXX is required to provide validation to me and Transunion before an account can be reinstated and XXXX did not. Transunion is supposed to notify me within 5 days according to the FCRA and Transunion failed to do so. Transunion must permanently remove this account and not allow it to be reinstated. The CFPB must report XXXX to the FTC and hold Transunion responsible and pay me for the multiple violations. I can show proof that Transunion has allowed at least XXXX violations per month for at the minimum of 2 years. The CFPB can look at the record of my complaints and documentation provided to justify my monetary judgment and Transunion refusal to pay. I was willing to settle and Transunion refusal because of the impoper investigation. I'm willing to settle for {$24000.00} which is {$2000.00} per month for a year. I could get more plus lawyer fees because the FCRA has laws and guidelines that must be followed and Transunion has violated each and every one. Transunion must be held accountable and I'm entitled to payment within 14 days and the removal of this account. XXXX has violated rules of the FCRA as they haven't validated this account or provided the original contract and yet the account remains. XXXX has continued to reage and report inaccurate information and Transunion is guilty of allowing them to continue to hurt my credit. I'll be able to show because of Transunion allowing XXXX to reinsert the account, reage, and report inaccurate information I was denied for a mortgage. Transunion must pay for the violations it has allowed by XXXX and any refusal or no payment in 14 days justifies a lawsuit and attorney fees. I've been patient and tried to settle this by filing the necessary complaints and I've yet to get my credit report corrected and the monetary money I'm owed for violations.

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 2022-01-26
Company: Experian Information Solutions Inc.
State: MI
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:
Reached out to Experian multiple times demanding them to remove the following items off of my consumers credit report and they failed to do so. Experian has broken NUMEROUS XXXX laws. Reached out to them via mail/certified letters with return receipts. Experian did not have permissible purpose to report anything to my consumers credit report. Experian received information from someone other than myself. Thats aggravated identity theft! Experian also didnt have my written consent to report anything to my consumers credit report. no consent is identity theft! It has been well over a month! Per the fair credit act, section 611 ( a ) ( 5 ). You have 30 days to investigate disputes. Experian must delete the dispute and unverified accounts. Failure to do so can result in {$1000.00} fine per undeleted item.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: LA
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.

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 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 2023-09-18
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX : {$1400.00}.

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 2023-09-18
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:
I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

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 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 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 2023-09-23
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
-My student loans were in forbearance with UASConnect until XX/XX/XXXX. 
-Initial payment selecting their " Pay the total amount due '' option was made on XX/XX/XXXX. 
-A payment was made for the loans due XX/XX/XXXX on XX/XX/XXXX which was returned. 
-A subsequent payment, again selecting the " Pay the total amount due '' option was made on XX/XX/XXXX. 
The next payment, again selecting the pay the total amount due option was made on XX/XX/XXXX. 

UAS reported one of my loans as past due for over 30 days, even though this loan was paid each month in full on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XX/XX/XXXX respectively. 

In the attached documentation I have provided an example of this, where full payment was made on XX/XX/XXXX yet their website still reports {$5.00} being due. No matter how many times the {$5.00} is paid, the " amount due '' remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Bank : CITI Payment made : XXXX XXXX on XXXX XX/XX/XXXX CREDIT CARD XXXX  XXXX  postponed my trip on XX/XX/XXXX due to Covid travel restrictions. 

*Please see the email sent by XXXX XXXX postponing my trip - XXXX XXXX went into administration and became bankrupt on XX/XX/XXXX. It was at this stage I became aware that I would not receive the services that I paid for. 

*Please see the attached email sent to me by the insolvency practitioners, XXXX on XX/XX/XXXX, informing me of the administration. 

I attempted to open up a chargeback dispute on XX/XX/XXXX using the Chargeback code XXXX for credit Merchandise services not received. 

I have been waiting for 12 months and have filed 3 dispute inquiries and Citi has refused to open up the dispute on the basis that The Merchant is not willing to refund Under the Fair Credit Billing Act it is my right to claim a refund when the service I paid for is not received due to a company 's bankruptcy. The merchant - XXXX XXXX XXXX has ceased trading. 

See Companies House as evidence that XXXX XXXX is about to be liquidated : XXXXXXXX XXXX XXXXXXXX The time limit for making a claim should start from the date you were expecting to receive the service/trip not from the purchase date, given you are buying something to be delivered in the future. 
In my case this should be my refund credit note which was due to expire on XX/XX/XXXX. 
It was made clear to me that if I didnt use the note by this date, I would be fully refunded. 

They may also use the date I found out that I would not receive the trip ( XXXX XX/XX/XXXX XXXX as I first tried to open the dispute on XX/XX/XXXX Here are Mastercards rules : On chargebacks there is normally a 120 day limit, but this can be extended to 540 days if the services were to be provided at a future date. So, for example, a holiday. 

I have been informed by the insolvency practitioners XXXX that all credit card paying customers should go to their banks for a refund. The XXXX Government backed XXXX XXXX XXXX are advising me to do the same via this letter XXXX : XXXX I have been informed by XXXX XXXX and the administrators for the company, XXXX, that I am not financially protected in any other way.

*I have attached a copy of the flowchart sent to me by XXXX - please see the red box in the bottom right corner clearly showing that US customers are not protected by financial failure insurance. 

*Please see the XXXX XXXX XXXX relevant to my booking that clearly shows that insurance was in place for XXXX  customers only I would like CITI to open my dispute and refund me, in accordance with the Fair Credit Billing Act. 

Thank you 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 2023-09-18
Company: Experian Information Solutions Inc.
State: DC
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 2023-09-18
Company: Experian Information Solutions Inc.
State: CA
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXXXXXX Balance : {$440.00}.

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 2023-09-18
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 am writing to request the removal of certain fraudulent accounts that are currently present on my credit report. I have identified these accounts as fraudulent, and I kindly request that you investigate the matter and take appropriate action to remove them from my credit history. 
Account Information : XXXX XXXX Furthermore, I would appreciate your prompt response to this matter, acknowledging the receipt of this letter and providing an estimated timeframe for the completion of your investigation.

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose update late payments for following dates to current XX/XX/XXXX or delete account from 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 2023-01-20
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
PHH XXXXXXXX XXXX Co. 
A normally-processed Line of Credit Draw request for {$45000.00} was direct deposited into my account on XX/XX/XXXX, but then reversed/withdrawn by XXXX on XX/XX/XXXX XXXX A call to PHH, they explained that the loan was at 90 % so HUD is now involved and must approve such payouts. We were also told that a request would be made for those funds to be reversed/redeposited into our XXXX account so they would be again made available. During a call to HUD, they advised they do not have control of this reverse mortgage and referred me to PHH. 
Now its 5 months later, with many calls to PHH & HUD, my monthly statements do not show the {$45000.00} in my account/available to draw. I feel its been stolen, just disappeared. 
During the latest call to PHH the rep stated that a letter explanation s in the process. To date, I have received no such letter and the missing {$45000.00} was not returned to me nor made available to draw. 
Its my money and I need it to pay living & medical expenses. I look for guidance on where to turn. PHH is the most non-responsive company I have ever dealt with. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
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: Information belongs to someone else

Complaint:
Hello, I have wrong item reported in my credit profile by Transunion only. Please help me to remove it because this account is not mine and I have a very good credit profile, and suddenly this fraud item appeared its not fair. Thank you for understanding and I hoe you will remove it.

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 2023-02-21
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
It would seem that either I am not able to communicate well with my credit union or I am not being fully understood. Over a month ago I had asked America First Credit Union for ( 1 ) an investigation into why it seems that I was charged two withdrawal transaction fees for the same individual withdrawal at an ATM and also ( 2 ) change my mailing address to the address that they have on file notarized, but as of yet neither of these things has happened and the latter is causing unnecessary undue hardship as it has taken quite some time and effort to effect what seems to amount to a minor bureaucratic action that should only take minutes to complete. I rely on my credit union to handle matters of fiduciary account management without bias or discrimination. Since I am positive that they strive to do so, I am interested in why these actions are taking so long.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Experian is showing that i filed for bankruptcy and i contacted the court and their files doesn't show that i filed and this information should be deleted for violation of my FCRA rights 15 usc 1681c-2 i demand this information be deleted and blocked from my credit profile immediately. I also sent validating information to Experian proving my case with documentation and they responded back saying it was verified. also Experian and other 3rd party credit agencies are not handling consumer credit reports and disputes according to the standard of the FCRA law.

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