BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX 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.

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 2022-07-13
Company: EQUIFAX, INC.
State: PA
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:
So, since XXXX I have been trying to get this company not only to verify that these accounts belong to me, but also confirm they are accurate. Every month since I have repeatedly asked them to do an investigation into the legitimacy of these accounts as me and my son have the same name, and they continue to tell me that they are all verified as accurate and reporting correctly. Every month they send me templates telling me that what Im looking at is correct, when I can clearly see whats being reported is reporting incorrectly. It is now XX/XX/XXXX and the same accounts have not been proven verified, as I have requested proof of method of verification and again nothing. 
Obviously, a violation of section 623 that you continue to violate! 
I have attached my most recent credit report as of XX/XX/XXXX and all my other credit reports from the last 4 months. I have also attached all the accounts listed with erroneous errors that need deleted for this reason. 
My credit is being destroyed because this company will not do its job! 
Im REQUESTING the following! 
I would like the CFPB to look into the situation with this company and have the listed accounts removed for incorrect reporting and failure to comply with section 623. 
I would compensation of {$1000.00} for each violation found on every account. 
I want my personal information to read as XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XX/XX/XXXX as birthday, and XXXX XXXX XXXX XXXX place of work. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX please remove these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Recently, I did an investigation on my credit report which caused XXXX XXXX  upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day I have not received a response yet. I feel I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report. I demand this collection be removed from my credit report or I will file for litigation due to stress you have caused all this time.

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 2023-05-05
Company: Experian Information Solutions Inc.
State: NJ
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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX - IDENTITY THEFT ACCOUNT!!! 

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 of 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 2023-01-12
Company: GB Collects, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Hello, I received numerous phone calls from this company ( GB Collects ). I asked them to please stop calling me at work. I wasn't sure what they were calling me about because I thought I had paid everything I owed. I then received a letter with my name and the name of an unidentified person. This person ( XXXX XXXX XXXX ) is unknown to me and has never lived at my address. I don't know if they are contacting this person at my address or why my name is even associated with them. I'm also concerned that this person is receiving information with my name associated with it. I consider this a great violation of my privacy. 

As soon as I called them back and inquired about this error, they gave me the phone number of the worker responsible. I called this person and left two messages. Neither was returned.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 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 the account ( A ). It is not permissible to fail to validate the reporting account 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 corrected : XXXX XXXX XXXX XXXX : {$34000.00}

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 non-monetary relief
Consumer complaint received 2021-10-06
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent in my police report and my notarized affidavit to the three credit bureaus and LexiNexis I received paper work from LexiNexis showing they have deleted the fraudulent account XXXX keeps sending me results saying the Company verified this fraudulent account when that is not true the company Lexis Nexis provided me documents and letters stating they did not Verify any thing i even called them and spoke to a rep who looked at my Lexis Nexis file and stated they are not reporting any Bankruptcy on my file and requested all three credit bureaus to remove the inaccurate and fraudulent account. I have Enclosed all documents and corraspondence with this Compliant. I called last month and talked XXXX XXXX Fraud department who asked me to send in my fraud package. After sending to them they did not comply with anything and said they dont have to block the fraudulent account even after going to Los Angeles police dept and filing a police report in person. They sent me some generated latter saying if i want to block the fraudulent account to send in my Police report affidavit that i have already provided. I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Defamation of character. Enclosed is the 3 updated credit reports showing that XXXX and XXXX are not reporting this fraudulent information XXXX is the only reporting agency who is knowing and willingly reporting the inaccurate and fraudulent information. Please not they are not investing anything and just responding with some auto generated letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: EQUIFAX, INC.
State: IL
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:
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires. I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: REGIONS FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I opened a BP card and had trouble making payments by U.S. Mail. I sent them on time, but for some reason the company had problems processing them, and I had to call just to get the fee waived. I had to make payments through their website from then on. Then, I found out I did bounce a check to them. For this I am responsible, but I wanted them to just close the account first. I would have paid whatever it was. A guy I spoke to named XXXX refused, and needed far too much information to verify me. I was calling from the phone number on the account, I gave all the information, the same on the statement, including the account number, I don't know what their problem is. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-10-06
Company: Dovenmuehle Mortgage, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My PMI was not automatically canceled from my mortgage, despite being up to date on all payments and at 68 % of the principal balance. I called Dovenmuehle have it removed and it was done promptly. However, I then asked to have the premiums returned to me as the PMI should have been automatically canceled at 78 % and was not. I sent an email to the company, Dovenmuehle, who responded by saying that they were only responsible for removing the PMI once I requested it and not before and thus owed me no premiums. No mention was made of the fact that they were required to automatically cancel at 78 % and had not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On XX/XX/2022 I sent a letter to credit reporting agencies XXXX and Equifax. Explaining that information reporting on the credit report is inaccurate. 

XXXX XXXX XXXX  Amount {$8900.00} because reporting compliance of consumer credit claims of deficiency and or derogatoriness mandates that any item removed and or modified from one repository shall also have " CARBON COPIES '' of that action forwarded to any and all other repositories from which the reporting data furnisher reports. 


1 ). e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DF 's ) and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. 
2 ). CRAs include Equifax, XXXX, XXXX, and XXXX their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies e-OSCAR also provides for DFs to send " out-of-cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated University Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management, and reporting. 
3 ). ACDVs Initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF 4 ). The ACDV is returned e-OSCAR web-based, Metro 2 compliant, automated system ..... 
CRAs include Equifax, XXXX, XXXX and XXXX, their affiliates or Independent Credit Mortgage Reporting Companies.

ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Date Furnisher The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. 
5 ). If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I closed my XXXX  ( AKA : XXXX XXXX ) personal account and switched to a business account in XXXX of XXXX. I made a payment, on the unpaid balance, XX/XX/XXXX. At that time, received notification that my local Post Office was closing and all correspondents would route through a primary branch for pickup ( see attached notice ). As a result, several of my correspondents were misfiled and misplaced. Those included in this debacle were a billing statement, from XXXX, and a collection letter, from Sunrise Credit Services Inc. These were later located at the Post Office, but were just received by me within the last week. ( See attachments from XXXX and Sunrise Credit Services. ) I was making payment to XXXX, on the unpaid balance, when the noted billing statement was received ; dated XX/XX/XXXX. However, the Sunrise Credit Services Inc collection letter is dated XX/XX/XXXX. Hence, within 4 business days Sunrise Credit Services Inc was contacted by XXXX, purchased the debt, allegedly input my information into their database, then composed and posted a letter. This appears impossible and extremely fraudulent to me. Please also note that the included collection letter copy denotes a bogus original creditor account number, compared to my billing statement, from XXXX. This all appears to me as though some type of scam activity is taking place. I have, after finally receiving the billing statement from XXXX, paid the outstanding balance. However, Sunrise Credit Services has an online reputation of placing unfounded derogatory information on individuals credit reports. So, I do not want to become one of those statistic victims. 

Im filing this complaint to have the CFPB office intercede, issue a cease and desist to Sunrise Credit Services Inc, and stop them from attempting to place any derogatory statements in my credit files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRUIST FINANCIAL CORPORATION
State: GA
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:
On XX/XX/XXXX and early morning on XX/XX/XXXX XXXX I paid for entry into the XXXX night club. The door charge that night was {$40.00}. I didn't have cash on hand so they allowed me to pay with my card. To my surprise the next day I found a charge of {$400.00} on my card. I sent a few messages to the business and they ignored me. I also called and no one has called me back to this day. I disputed this with my bank ( Truist ) and they denied my claim because I didn't have a receipt. I explained to them the situation and asked how would a receipt that would say {$400.00} fix this issue. I showed them additional proof which was in the form of flyers that said {$40.00} entry. My next point would be to say that I wasn't charge any taxes or tips on that fee which shows it was entry fee only. It is easy to make {$40.00} into {$400.00} in that atmosphere on the machine and I wasn't given a receipt. 

Truist has refused to look into this further and still hasn't given me a proper explanation.

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