BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

1. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE DELETE LATE PAYMENT AND DEROGATORY REMARKS. THIS IS PAID PLEASE UPDATE THIS ACCOUNT TO POSITIVE AND MAKE ALL information reporting is accurate as required by FCRA 623 ( a ) ( 2 ) ( B ) 2. You are in VIOLATION of the 15 USC 1666B. This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE LATE PAYMENT AND DEROGATORY REMARKS. THIS IS PAID PLEASE UPDATE THIS ACCOUNT TO POSITIVE AND MAKE ALL information reporting is accurate as required by FCRA 623 ( a ) ( 2 ) ( B ) As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX  and Federal Trade Commission ). 

Sincerely yours, 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 2023-05-03
Company: EQUIFAX, INC.
State: TX
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$7500.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX  XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$7500.00} XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written to First Federal Credit Collections ( on three occasions ) ( a copy of my most recent letter is attached ), a collection company, asking them to properly validate the debt as required by the Fair Debt Collection Practices Act. Not only have they not validated the debt with proof of my signature on a document but they have not written to me at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2019-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion Consumer Report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2023-05-03
Company: Security Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe security credit collection any money. I do not have a contract with this company. Im requesting they stop reporting this negative item on my credit. Im requesting they ceast & desist and to only contact me by postal service. And since Im asking you to ceast and desist. You cant report any negative items on my credit. Delete this negative items ASAP. Or I will sue you In court. Fcra lets me to sue you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
State: GA
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2018-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
My first stop was the Federal Trade Commission website to find out how OPT OUT of Prescreened Credit Offers.

I found a link to XXXX which is apparently run by the major credit bureaus.

After two days [ XX/XX/XXXX-XX/XX/2018 ] and numerous attempts to OPT OUT, I believe this site is intentionally defective and designed to not process valid consumer requests.

I have filled out the form dozens of times including the XXXX  and get the same two errors every time. The screen shot is attached.

Must Use Valid Format on the ZIP Code field.

Must Use Valid Format on the State field.

I have tried both XXXX  and XXXX to no avail.

The State information is a pull-down list, the website fills out that field incorrectly on its own. There is nothing I could possibly do to fix it. This incompetence or another dirty trick from the Credit industry.

I believe this form was intentionally designed to prevent consumers from protecting themselves from unwanted credit offers.

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 2023-10-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On or about XX/XX/XXXX, EQUIFAX and XXXX removed my paid in full : account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been reporting this account to both EQUIFAX and XXXX since XXXX of XXXX. XX/XX/XXXX. I paid the Auto account with XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, I in writing requested that XXXXXXXX XXXX XXXXXXXX, accurately update my profile to reflect the account was paid off in full and to list the high balance ( this information was missing in the reported data. ) Around XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Account was DELETED from my EQUIFAX, and XXXX credit reports. I did not authorize or request the deletion of the XXXXXXXX XXXX XXXX XXXX  account. I contacted XXXX on XXXX XXXX, XXXX and requested that the XXXX XXXX XXXXXXXX XXXX account be added back to my credit report. XXXX ' agent informed me that XXXX can not place the account back on my credit report after it is deleted. I called EQUIFAX on XXXX XXXX, XXXX, and was informed by its agent that I have to contact XXXXXXXX XXXX XXXXXXXX XXXX and request that the creditor place the account back on my credit report at EQUIFAX. XXXX XXXX, XXXX, I spoke with XXXX XXXX XXXX at XXXXXXXX XXXX XXXX XXXXXXXX and asked that the Auto account be re-added to my credit reports. Also- That I did not authorize the deletion of the account. The deleted account has caused my credit score to suffer a decrease of XXXX points. I paid the Auto Loan off in full. I want the account to remain on my credit reports. XXXX XXXX ( XXXXXXXX XXXX XXXX  ) informed me that he ( XXXX XXXX ) - would contact XXXX and see what to do about the account and that he would call me back the same day. No follow up contact was made to me by XXXX XXXX XXXX At this time. The XXXX XXXX XXXX XXXX  is currently missing from both my EQUIFAX and XXXX credit reports. The account was removed from my credit reports without my consent. The XXXX XXXX XXXX had been on my credit reports for at least three and a half years before this account was deleted without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-12-01
Company: Experian Information Solutions Inc.
State: FL
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 a list of accounts below has violated my federally protected consumer rights to privacy to privacy and confidential under 15 U.S.C Accounts XXXX  XXXX XXXX  XXXX : XXXXXXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. states I have the right to privacy 15 U.S.C 1681 Section 604 A. It also states 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 reports containing any of the following items of information other than records of convictions of crime which antedate the report by more than 7 years 15 U.S.C 1681 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any 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 2019-07-09
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, 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:
There is a credit inquiry being reported against me from XX/XX/2019 from XXXX XXXX XXXX XXXX  that I did not authorize with Equifax. I entered a dispute on XX/XX/XXXX as soon as I saw it and received an email back today, XX/XX/XXXX saying it was completed. When I called them for additional information they told me they have it as disputed but I need to contact the company who authorized the credit check to have them write a note to remove the credit check. When I called XXXX XXXX XXXX XXXX today, XX/XX/XXXX ( the company who authorized the credit check ), they told me they do not know how to help me. I am going around in circles.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Placed for Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$620.00} DateUpdated : XX/XX/XXXX Original Amount : {$620.00} Original Creditor : XXXX XXXX XXXX ( Rental/Leasing ) Past Due : > $ XXXX< Pay Status : >In Collection< Remarks : ACCT INFO DISPUTED BY CONSUMR ; >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX The account is scheduled to be removed from my credit report in XX/XX/XXXX. 

I filed a new investigation the account on my Transunion Credit Report in XX/XX/XXXX, but the dispute came back as already verified. When, where, how, the account was verified is not included. The account holder, nor Transunion have not supplied me with any supporting documents from the company about the account. To simply state the account has previously been verified is not a new investigation, nor is it proof of debt. The debt is far past the 3 year statute of limitiations in both North Carolina ( the state where the account was held ) and South Carolina ( the state in which I currently reside ).

Transunion says that I may leave a statement on my credit report, but there is no active links to do so. I am continuously rerouted to my previous dispute. I am not sure how else to proceed.

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX 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 non-monetary relief
Consumer complaint received 2023-08-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Lender/forced placed insurance was bought on my behalf without my consent. Furthermore its impossible to speak with someone in the insurance department ; I keep getting off-shore call centers. Horrible costumer service. Impossible to get through the answering machine. I am beyond frustrated, I dont know what to do. PENNYMAC was not my original lender, they bought my mortgage from another servicer. Ive been through XXXX with this company since they bought my loan from the previous servicer. 

Can someone please call me to further explain my name is XXXX XXXX XXXX my phone number is ( XXXX ) XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reported accounts that do not belong to me, but I did not receive any response from the bureaus regarding their investigation or action.

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 2023-08-28
Company: United Shore Financial Services, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted United Wholesale Mortgage and I have had my mortgage Broker also contact them asking that they correct the incorrect information on the pay history of my account. I have also completed a conference call with the lender an the credit bureau. 

United Wholesale Mortgage is reporting I was late XX/XX/XXXX 30 days and this is not correct. I was 30 days late in XX/XX/XXXX and CURRENT XX/XX/XXXX. UWM is also stating I was 30 days late on XX/XX/XXXX which is not accurate. On United own site it does not show I was 30 days late in XX/XX/XXXX which I was not and my account history shows I was not 30 days past due. 

United Wholesale Mortgage is not changing these items to reflect correctly which is resulting in a lower credit score so they can charge a higher rate and fees on the loan that I am currently in process of

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reported accounts that do not belong to me, but I did not receive any response from the bureaus regarding their investigation or action.

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