BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-09
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I wanted to dispute this on experian it would not let submit all my information .Dispute letter late payments Experian 15 U.S. Code 1681a Definitions : rules of construction [ U.S. Code ] US Law 1 L11 Legal information institute 15 U.S. Code 1681a - Responsibilities of furnisher of information to consumer reporting agencies ( a ) dirty of furnisher of information to provide accurate information.

1 ) Prohibition ( A ) reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( I ) -EXCLUSIONS- Except as provided in paragraph ( 3 ) the term consumer report does not include- ( A ) subject to section 1681s- 3 of this title any- ( I ) report containing information solely as to transaction or experience between the consumer and the person making the report : There is says consumer report in general the term consumer report means any written oral or other communication of any information by a consumer reporting agency bearing on a consumers creditworthiness credit standing credit capacity character general reputation personal characteristics or mode of living which is used or expected to be used or collected in whole or in part of the purpose of serving as a factor in establishing the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like the late payment on Experian not to delete a late payment. I would like Experian to change it to pay as agreed or change it to OK. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  address identification number XXXX XXXX residential type apartment geographical code XXXX XXXX XXXX I never resided at this address or lived at this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XXXX See uploads. ID 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 2023-08-07
Company: Helvey & Associates, Inc., Warsaw, IN Branch
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:
This account does not belong to me! I am a victim of identity theft. For one the address on this account does not belong to me. You guys address for the account is XXXX XXXX XXXX XXXX XXXX XXXX, my address is XXXX XXXX XXXX XXXX XXXX XXXX. And at my home Im residing in I actually have an account with XXXX XXXX. The account number on my account with XXXX XXXX is # XXXX the account you guys have does not belong to me. I need it deleted because its hindering my home buying process! No one called me to acknowledge this account. Or to settle something because of they would have I could of just sent this the FTC report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I was charged of {$12.00} service fee on XX/XX/XXXX when I was out of the nation. At the time, my savings had a $ XXXX balance. Their online chat got disconnected frequently. When I tried to call, the calls were disconnected at least 3 times.

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 monetary relief
Consumer complaint received 2023-09-09
Company: W&A Intermediate Co., LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im wanting this Collection Company to take this collection account from my credit. Finding out the dont have license to collect in Pennsylvania and they trying to collect on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In spring of XXXX I checked into my TranUnion credit report since both XXXXe of my credit card companies and my bank offer free monitoring through TransUnion. In both places I had a very old address reported as my current address. I haven't lived there since XXXX and this was now showing up again. I tried to go online and file an online dispute but the page immediately went to " We're sorry we can't file a dispute for you now. Please try again later. '' I tried a few times over the new few months and it always went the same way. Eventually in fall XXXX I just called the phone number and talked to someone to resolve it. The address continued to appear online for a few months, but eventually stopped showing up. 

Now, in XX/XX/XXXX my phone number is incorrect. It's actually the cell phone number of my ex-wife, who I divorced two years ago. I tried once more to file an online dispute but got the same error message. I did not bother trying more than once- I just called them directly and hopefully fixed it. 

I've had my SSN stolen in the past- when I was in college nearly 20 years ago- and had a freeze on my report. I haven't had a freeze or alerts for at least a decade now. I've worked with all three credit monitoring agencies over time because of it, though some further ago than others. TransUnion remains the most difficult to work with- a consistently non-functional website, always hard to talk to an actual person, more hoops to jump through to get anything done. There's no reason for them to be this difficult. I have the privilege of having the time to deal with them to eventually get things done. I can not imagine what it's like for folks who don't. If I could shut them down in a heartbeat I would.

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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
XXXX, XXXX, XXXX, and previous months.. I have submitted my disputes, requested the investigations, called the agencies to speak with real people. My requests have been ignored. My rights and privacy has been violated and disrespected. My character and reputation have been discriminated against. I have suffered from reciieving credit I deserve, for both personal and business benefits. My family has suffered as well, being denied the financial stability for everyday living. I have been denied auto financing, credit cards and business funding. I have also reported these issues with the CFPB, XXXX, and attorney general. Nothing has been done to ensure that my family and my rights be honored. I have been more that patient with this process and have endured far too much XXXX  and hardship. I am requesting the attention that this matter deserves, I can't provide for my family this way, and that is unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
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: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: Experian Information Solutions Inc.
State: PA
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 account listed below reported one late payment for XX/XX/2023 I already fix the issue with the company they agreed to remove the late payment. The current account status should be never late on any payments. 

Account name : XXXX XXXX Account number: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 2020-02-19
Company: Mr. Cooper Group Inc.
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have an escrow account in my mortgage and Mr. Cooper failed to pay timely. XXXX Property tax were not paid until I received a letter from the County that they were delinquent. It took multiple attempts to get the taxes paid. 

XXXX Property tax have not been paid. I have called multiple times since XX/XX/XXXX to get this resolved. I am worried the same thing will happen that happened last year ... my house was going to be auctioned off due to failure to pay property tax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: GOLDMAN SACHS BANK USA
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: Information belongs to someone else

Complaint:
This is account does not belong to me I have contacted the credit bureau as well as trying to contact the creditor but to no avail. I was XXXX  from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Experian Information Solutions Inc.
State: AL
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:
Experian. Is reporting a bankruptcy on my credit report, i XXXX XXXX XXXX HAVE NEVER FILED BANKRUPTCY IN THE STATE OF ALABAME NOR ANY OTHER STATE, I HAVE BEEN A VICTIM OF IDENTITY THEFT IN THE PAST, THE OTHER TWO CREDIT BUREAUS, XXXX XXXX OR XXXX  HAS REMOVED THE BANKRUPTCY FROM MY CREDIT REPORT. I HAVE SENT THEM DOCUMENTS FROM THE COURTS STATING THAT THEY DO NOT REPORT TO THE CREDIT BUREAUS. I HAVE CONTACTED XXXX XXXX AND XXXX I HAVE NEVER HAD ACCOUNTS WOTH THOSE COMPANIES THEY HAVE NO VERIFICATION OF WHERE I HAD A BANKRUPTCY ON MY CREDIT REPORT. PLEASE REMOVER THE BANKRUPTCY IMMEDIATELY.

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 2024-01-03
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: Reporting company used your report improperly

Complaint:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent off a dispute in XXXX about fraudulent accounts on my credit report. Not only have changes have not been made the bureau has not even responded.

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 2023-05-06
Company: Bread Financial Holdings, Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX VICTORIA SECRET CREDIT CARD XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XX/XX/XXXX REPORTING LATE ON CREDIT REPORT CONTACTED CREDITOR NO ACTION ON CONSUMER 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 FUNISH ACCOUNT WITHOUT MY WRITEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNTUNDER END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
After starting a new job in the beginning of XX/XX/XXXX, I changed my bank account with Honda Financial Services. Unfortunately, they still charged my old account which did not have the funds, which led to a reversal of funds and a requirement to pay my lease through the mail. I mailed a payment and on XX/XX/XXXX I spoke to a representative from Honda Financial Services who said my payment was missing. I said " I mailed a payment '' and he said " yes, we have that. '' I said " is that all? I'm busy at work. '' he said " yes. '' and we hung up the phone. 

Assuming the payment was received and cleared, I received a phone call on XX/XX/XXXX stating my account was past due. On that phone call, they said they did not receive my XX/XX/XXXX Payment. I told the representative that I spoke to someone not two weeks before that said my payment was received. He said " it wasn't. '' On that phone call, I paid both months and scheduled my next payment. In four years, I never missed a payment and it's clear that this was a miscommunication. 

I called Honda Financial Services and they would not adjust the payment dates. Again, I have never missed a payment on any of my credit cards or loans. Had I known on XX/XX/XXXX that my payment was not received, I would have paid it right then just like I did on XX/XX/XXXX. This was not a matter of not having the funds, or, being a negligent customer ; this is a matter of miscommunication and I would appreciate if this payment was recorded correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 reached out to TransUnion a third party reporting agency about my credit score dropping XXXX points for no reason there where no inquiries, no new charge-offs or collections information that appeared upon my consumer report acourse the rep was nonchalant about about my issue and did not want to look into it but rathered I request my consumer report from them and then call back and this is after I told them that I was looking at my consumer report and have subscription with other third-party reporting agencies for my credit they all say and show no new information thats derogatory but does show my increase I received from one of my CC from XXXX XXXX XXXX XXXX XXXX My score was a XXXX and dropped XXXX points and Transunion nor the other third- party reporting agencies can show reason

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX XXXX. has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. And delete, this address never lived here XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX never gave this company written consent to add anything on my credit report. Please remove and delete.

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