BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
CREDIT DISPUTE LETTER XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ( Confirmation # XXXX ) XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX TransUnion Consumer Solutions ( File # XXXX ) XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX  XXXXXXXX XXXX XXXX XX/XX/XXXX Re : Disputing wrongful credit reporting on my credit report Reporting debt as closed when it was paid it in full. 


Dear XXXX, XXXX, TransUnion. 

I am writing to request the investigation and correction of XXXX XXXX XXXX XXXX. 

Account Number : XXXX Vehicle : XXXX XXXX XXXX VIN : XXXX This account was paid in full as of XXXX/XXXX/XXXX The following account is reported as Closed on my credit bureau report . 

This has negatively impacted and affected my credit score which you dropped XXXX point from my credit score, because of your reporting. 



I am writing you to dispute this error of reporting my account with XXXX XXXX Auto Finance. 

This account should reflect Paid in full ( Not Closed ) Please reverse the negative XXXX points, and add XXXX points back to my score this account was paid off early NOT CLOSED. 

I have enclosed additional documentation to support my claim, Please note, I am a valued customer of XXXX XXXX XXXX XXXX. 

Review enclosed letter from XXXX XXXX XXXX XXXX stating that my account was PAID IN FULL XX/XX/XXXX. 


Please let me know how long this will take you to reverse this error. 
I thank you for your assistance and look forward to hearing back from you. 

Sincerely, 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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern. 
Please be advised that I have requested validation of an item reported to you by the above original creditor collection agency. I have received a response that it is in violation of my rights according to HIPPA. 
XXXX XXXX XXXX did not provide me a HIPPA signed release letter that releases my medical information to them, therefore by providing such information, they are in violation of my HIPPA rights. I am proceeding immediately with legal actions as prescribed by the law against XXXX XXXX XXXX should the item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against any company reporting this illegal report. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage you to delete the above collection with urgency.

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 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is reporting an unverified public record of a bankruptcy on my credit report. The court has verified to me that they did not supply this information to any credit reporting agency. I disputed the account with Transunion who responded and said that they verified the account with XXXX. Well, XXXX has deleted this account from their record because they could not verify it. Again, this is an UNVERIFIED ACCOUNT.

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 2021-07-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am filing this complaint over a Bankrupcty that is not accurate and was deleted from my XXXX XXXX due the items being inaccurate. I have the unverified information please delete the following : USBK COURT XXXX XXXX. I am in the process of closing on new business equipment and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report. If the above items are inaccurate, misleading, and incomplete. I expect you to make a re-investigation 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 explanation
Consumer complaint received 2021-07-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am filing this complaint over a Bankrupcty that is not accurate and was deleted from my XXXX XXXX due the items being inaccurate. I have the unverified information please delete the following : XXXX XXXX XXXX XXXX. I am in the process of closing on new business equipment and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report. If the above items are inaccurate, misleading, and incomplete. I expect you to make a re-investigation immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Self Financial Inc.
State: GA
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:
The company self reported a late payment to my report violation of my rights Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

15 U.S.C. 1681 section 602 says " I have the right to Privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
1.TransUnion is in violation of Section 609, they have not provided any evidence, or documentation within the 30-60 day period to prove that the account information is valid with County of XXXX XXXX DCSS, nor have they followed the fcr by deleting the account after failing to provide adequate documentation for me to dispute. 

Section 609 of the Fair Credit Reporting Act ( FCRA ) gives you the right to request your credit card reports and any other information recorded in them.

2. TransUnion has illegally re-aged this account with County Of XXXX XXXX DCSS for {$31000.00} by TransUnion deliberately removing the date of first delinquency stemming all the way back to XXXX, after re-inserting this account back onto my credit report after it was deleted multiple times for statute of limitation /re-insertion violations. TransUnion removed XXXX history to mask the XXXX. so the debt can appear new, and they can keep reporting it, TransUnion has not one ounce of integrity, nor accountability for their actions, nor any fears of repercussions. This company needs to be made aware of the seriousness of illegally re-aging debt, because right now they are under the impression it is ok to do. The company is well aware they are in violation of FCRA Section 623 ( 5 ) ( A ). 

Re-Aging a Debt Account Is Illegal and It Destroys Your Credit. To get technical, re-aging is an ILLEGAL ACT. 


I have on numerous complaints provided them with the untampered date of first delinquency, and I have provided them with evidence of the re-aging which they thrown in the garbage multiple times. Without a care in the world, and blatant disregard to the damage they have caused me. 

I will be attaching the evidence to this complaint once again in hopes the CFPB will take some form of action. 

1. They re-inserted this account removed the history from XXXX on this account when the date of first delinquency is from 2013 to make it appear new, that is illegal ( Attached ) 2.they changed the account status from closed to open. 
3. They are reporting it in good standing, but reporting payments late, and past due balance unpaid with more than 10 missed payments, by reporting it paid on time they figure it keeps it on my credit, but reporting it negatively at the same time, that is illegal what they are doing. It's false, it's misleading, and it destroys my credit. And TransUnion is well aware of this, but they fear no repercussions, or don't care, because no one is holding them accountable.

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 2021-07-28
Company: Accelerated Receivables Solutions
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive called them back and my husband has called them as well to see why theyre constantly calling me. They admitted they were a debt collection agency and when I gave them my info they responded with, We have the wrong person associated with your phone number we will remove you from our database. 
That was three months ago! 
They call me multiple times a day. 
Its borderline harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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 am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account 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. I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed account on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) This account is 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 this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}

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 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX, XXXX, and Transunion is deliberately circumventing sending me proof of accuracy that I keep reporting incorrect on my credit report. This incorrect information is ruining my creditability. After sending certified mail to each of these credit bureaus addressing my complaint and asking for disclosure documents of each said debt and whom each bureau contacted for this information being reported as correct. In reply, Transunion and XXXX  mailed me a letter stating that they can't find a credit profile on my name and to send more verification to better assist me. I sent all the proper information and identification with my certified letter so I don't understand why they can't find a file on my name, especially when someone is reporting to my credit every month.

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 2023-06-06
Company: Experian Information Solutions 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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2014 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$18000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$170.00} ; XXXX XXXX INT ( Original Creditor : XXXX XXXX XXXX GA ) XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXX Balance : {$170.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX INT ( Original Creditor : XXXX GRANDOASIS GA ) XXXX Balance : {$11000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: IN
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:
I sent a letter out on XX/XX/XXXX Experian, XXXX, and XXXX. Here is my tracking number XXXX. However its been more than 30 days and the credit Bureaus fail to send me my investigation back. This is not making any sense. According to the law 15 U.SCode1681i-procedures in case of dispute accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting Agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute the Agency Shall, free of charge, conduct a reasonable reinvest ovation to determinate weather The dispute information is accurate and Record The current status of the dispute information, or delete the items from the file in accordance with paragraph ( 5 ) before the end of 30-day period beginning on the date on which the agency received the notice of the dispute from the consumer or reseller.

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 2021-07-28
Company: National Management Recovery Corp. (NMRC)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I received a call from my employer stating someone has called and stated they would be filing fraud charges and suspend my license if I didnt make contact with them I was given the number XXXX I called that number and was speaking to a gal named XXXX at XXXX and she stated that they were a law office representing XXXX XXXX for an unpaid debt That I needed me to pay XXXX or face the consequences When I told her I couldnt and that I needed to make arrangements she then stated I needed to call the party who sent them the file That party is National Management Recovery at XXXX and that i needed to do today or they would be serving me Friday XX/XX/30 I have called them and they do not answer or return calls My issue is they called my job and told some random coworker my business and told them they would file charges and suspend my license

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: Aldous & Associates, PLLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I signed up for a membership of XXXX/month at crunch fitness gym. They stated it was a month-to-month basis. It is also advertised as month-to-month. I stopped going to the gym. I called to cancel my membership. They told me I had to go in person, so I went in person to cancel my membership in XXXX 2015. A year has passed and I never received any notice, notifiying me that I have any further financial obligations with their company. Since then they have hired the services of a debt collector to collect on my account. That firm known as Aldous & Associate 's levied my account. They took money without my consent. First of all I never owed them any money. Second of all, if I had, why was n't I notified? I was never contacted by phone nor email. They are claiming that I owe {$110.00}. I would like to know why if they stated their membership is XXXX/month. No contracts.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
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: Account status incorrect

Complaint:
I have disputed 2 accounts numerous times that say current payment status is " in collections/charge off and account status is derogatory. Both accounts are paid off, transition refuses to correct it yet on full credit report it shows the negative info but in account section it doesn't. It shows paid. I have tried for over a year and a half to get this corrected and they are telling me I am wrong that it had been verified. XXXX XXXX  XXXX  was paid in full well before it became a charge off and XXXX XXXX  was also paid. Neither account is still in collections or a charge off. All three credit bureaus show the negative info and neither the bureaus or lenders seem to care to change it. It has dramatically affected my interest rates as well as score since it shows as a derogatory account. XXXX XXXX agreed to remove this from my reports if I paid in full yet still won't do it. Equivalent is also reporting that there is still 100 % of loan to pay off when it is completely paid off

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 2023-05-07
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: Account status incorrect

Complaint:
I'm literally a freaking victim & this is illegal!! I've reached out several times & when I did reach out I received a XXXX customer service agent that wasn't interested in doing their jobs! I have told you people numerous of times that I was a victim of identity theft!! For XXXX sakes, the IRS HAS TO ISSUE ME AN IP EVERY YEAR SINCE 2017 due to someone accessing my info & trying too use it to file taxes!! 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 


These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report ur following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 


I'm disgusted that this reporting agency continues to report this inaccurate information!! This has had a negative impact on my life!! If this company doesn't find the correct solution for this problem, I will be seeking legal 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