BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
After reviewing my credit report, I noticed a series of inaccuracies on an account. ( XXXXXXXX XXXX  ) I have disputed this account as inaccurate with XXXX, XXXX, and Transunion on numerous occasions demanding they do a proper investigation into the facts of the account information and it always comes back verified. How are they verifying this when the open date is different on all three reports, as well as the payment/collection/charge off dates? 
I have demanded that this account be removed due to the inaccuracies and unfairness of the report. This item is interfering with my ability to obtain housing due to it being reported as a rental. I have no knowledge of ever having a rental with this company. According to the FCRA, reports need to be 100 % accurate across all three bureaus. this is a direct violation of the law. 

Furthermore, my rights have been violated under 15 U.S.C. 1681 sec.602 ( a ) states that I have the right to privacy., and 15 U.S.C. 1681 section 604 that also states that a consumer reporting agency may not furnish an account without my written permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX Subject : Complaint Regarding Incorrect Personal Information on Credit Reports Dear Sir/Madam, I am writing to bring to your attention a serious matter concerning my credit report. I recently obtained a copy of my credit report from TransUnion and XXXX, and upon reviewing the information, I was astonished to discover several inaccuracies and erroneous personal details present on my report. I am deeply concerned about the potential consequences of these inaccuracies and kindly request your immediate attention to rectify the situation. 

These inaccuracies are of great concern to me, as they can have significant implications on my financial standing and overall creditworthiness. I understand that it is the responsibility of TransUnion and XXXX to ensure the accuracy and integrity of the information contained within my credit report. 

I kindly request that you investigate these discrepancies promptly and take immediate action to correct the inaccurate personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: MOHELA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX. I kept paying my XXXX student loans during the XXXX  freeze. 
XXXX. I saw that payments made during the XXXX  freeze could be reimbursed if you qualified for XXXX loan forgiveness. 
XXXX. I noticed that the qualifications for XXXX loan forgiveness had changed and I qualified! 
XXXX. Even though I had a balance of XXXX {$300.00} I applied through MOHELA for XXXX loan forgiveness. 
XXXX. My loans were forgiven and my already-low balance is {$0.00}. XXXX! Hooray for public service! 
XXXX. MOHELA says that I can't get reimbursed for my XXXX  payments because XXXX loans don't qualify for reimbursement. 
XXXX. I contact federal student aid to verify MOHELA 's claim and they .... don't answer my question and send me back to MOHELA. 
XXXX. Lenders have lied to/misled borrowers before about XXXX eligibility.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX credit reporting has violated my privacy and rights, however they are reporting on my personal information ( court records ) which is wrong on what they are reporting Ive called the XXXX XXXX XXXX XXXX they have stated to me that they do not give any information about personal information or records, XXXX has not contacted me at all about this misinformation that they are reporting on my credit report ( court records ).

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 2017-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed these XXXX XXXX it has XXXX accounts listed when there was only XXXX account to start with that was actually from fraud. the account report wrong dates, payments, terms, amounts, and balances. I did not know how to approach the situation about the fraud and was sued i found out when i was in the process of buying the house so i ended up paying the judgment and i am still trying to refinance because the credit bureaus refuse to correct this information it is causing me great financial harm the judged learned what happened he removed the judgement. Upon speaking to XXXX they stated that they are not verifying this information with the credit bureau. The credit bureau will not remove this information. I am including the offical stamped letter from the judge stating that the debt that i have with XXXX is satisfied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: UT
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 discovered that my personal information had been used to apply for many loans and credit cards. When I tried to log in and dispute the claims with Experian, someone had already opened an account using my information but a different email address. This does not allow me to " reset '' the password because the account was created fraudulently. I am therefore unable to address and try to repair the damage that has been done by the person using my personal information to open accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted the company several times to make right on what they said they would do as far as deleting this account after it was paid however, they refuse to update the account as paid and wont assist with me talking to a manager. I have proof through information they sent me the debt was satisfied and would be sent for deletion however I've been hung up on a yelled at.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Collection Agency is reporting on my credit and it is not reporting correctly information I asked for a validation and I can not seem to get that I've asked that it be corrected the dates the original account does not showing you where it has all new dates all of that is incorrect if you ask for a validation then they should have to give you one and they have yet to do so nor have they fixed it incorrect information nor does it have the original dates on there the report that the block it is new to where it messes with my credit worse

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 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries 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 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 or 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 2019-12-30
Company: WELLS FARGO & COMPANY
State: TN
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 complaint about Wells Fargo not reporting my payments to the credit bureaus at all and they still continue to refuse to report my payments causing me credit problems.my credit report does not reflect that I have a mortgage loan at all.

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: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/XXXX, I submitted a dispute of the XXXX XXXX tradeline on my Experian credit report XXXX, which incorrectly shows that I have two 30-day late payments in XX/XX/XXXX and XX/XX/XXXX. As part of my dispute, I provided payment confirmation emails received directly from XXXX as confirmation to prove I made payments in both XX/XX/XXXX and XX/XX/XXXX ; therefore, the 30-day lates that appear on my credit report are incorrect. The XXXX XXXX tradeline is also incomplete because the original balance and the monthly payment information are absent. On XX/XX/XXXX, I received dispute results from Experian, which did not correct the incorrect 30-day lates or the incomplete data. The Fair Credit Reporting Act ( FCRA ) states that consumer reporting agencies must update or delete inaccurate, incomplete, or unverifiable information within 30 days. Experian has violated the Fair Credit Reporting Act ( FCRA ) by failing to correct inaccurate and incomplete information on my credit report. I am attaching the information I submitted to Experian as supporting evidence to correct the XXXX XXXX tradeline. The attachments include the breakdown of the issues with the tradeline and the emails from XXXX, which confirm the payment dates of XX/XX/XXXX and XX/XX/XXXX. I am also providing email header information, which can be used in court to validate that the emails from XXXX are genuine. I am confident that Experian did not contact XXXX, the tradeline data furnisher, to confirm the validity of the emails. The FCRA binds Experian to validate with the data furnisher, and XXXX should have records of what emails were sent from their payment systems. I am also attaching my driver 's license to confirm I am XXXX XXXX XXXX because Experian has tossed past disputes claiming I wasn't me. At this point, I want the XXXX XXXX tradeline permanently deleted from my Experian 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 explanation
Consumer complaint received 2023-07-06
Company: United Shore Financial Services, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I write to request a 3 month extension of my forbearance to allow for United Wholesale Mortgage ( " UWM '' ) to process my pending deferment application. 
Due to a COVID-related incident, in XXXX of XXXX I was placed on a 3 month forbearance with UWM ( see attached ). Three months later, while still experiencing a financial hardship related to COVID, I received an additional 3 month forbearance ( see attached ). The forbearance was scheduled to end XX/XX/XXXX. 
On XX/XX/XXXX, I contacted UWM to apply for a deferment of the outstanding balance that accrued during the forbearance period -- approx {$25000.00}. I was told it was too early to apply and that I should wait until mid-XXXX. It was explained to me that the deferment application takes 10-14 business days, and once approved, my loan would be placed back into repayment status and my regular monthly payment would resume. 
On XX/XX/XXXX, I contacted UWM and applied for a deferment. I was told it would take 10-14 business days and that my deferment would be approved because the forbearance related to COVID. I was told that I would continue to receive notices to contact UWM for a " loan workout '' ( see attached ) but that I should ignore them because my deferment application was pending. Thereafter, on XX/XX/XXXX my loan was taken off forbearance and placed in repayment status. I contacted UWM on XX/XX/XXXX to inquire when my deferment would be processed and asked how I should submit the monthly payment for XXXX. I was told to wait, to be patient, and to NOT make any payments. 
It is now XX/XX/XXXX, and the only correspondence I have received from UWM are letters telling me to contact them to " work out '' an agreement to payback the outstanding balance. When I call, customer service tells me that the letters are standard and that I should ignore them. Moreover, I am told that my deferment application is still under review. During a phone call XX/XX/XXXX, I was told that UWM takes 30 days to process deferments so I would likely not receive a response until mid-late XXXX. By that time, I will be past the grace period and UWM said they would have to report the delinquent payment to the credit bureau. 
UWM completely misrepresented the deferment process to me when I first applied for the forbearance. Further, they misrepresented to me the timeline for applying for a deferment. Each time I call I receive the same response -- wait. Meanwhile, I risk getting a negative reporting because of UWM 's misrepresentations. Please correct this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had an account thar I had with td bank for years. I received a fraud phone claiming it was td bank stating that I had 2 debit card transactions on the account and they said they will close the card and they did not. So I called the td bank fraud demand they restricted the account but on XX/XX/XXXX they wanted to end the relationship with me. So I opened a new account and the Manger at the XXXX XXXX branch said it was cleared and I opened a new account. The account today was restricted by the branch for no reason. The bank does not care. Now I have to go to the bank again and find out why they want to close it. I also get a direct deposit on Thursday and money tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: 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 FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 spoke with you guys regarding items on my account that are not mine. There are two accounts that are still on my credit. XXXX XXXX XXXX XXXX and XXXX. Please remove these two accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Remitly, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have transferred money to my moms account in XXXX on XX/XX/XXXX by using remitly money transfer. With the transaction numberXXXX XXXX XXXX XXXX MONEY WAS NOT DEPOSITED TO MY MOMS ACCOUNT AS PROVIDED. i have tried contacting them every day since 3 months to get the refund back.they keep telling me that theg are escalating this to thier partner bank. The amount was {$1100.00} which was really important to me and big money to help my parents during pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Experian is trying to force me to pay for credit reporting services that are free and not allowing me access to my free credit score.

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 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

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 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX  XXXX XXXX XXXX IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7700.00} XX/XX/XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$7800.00} XX/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 non-monetary relief