BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-01
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 vears.

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 2023-05-18
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is an additional set of problems with the same servicer, Rightpath, tgat i made the previous complaint about. The default that was created by torturing the facts in the escrow account had also resulted in information im on the credit reports that is causing me serious damage and preventing me from curing a bridge loan I was forced to takeout for legal expenses. 

Another very frustrating isd e with the same company is that they refuse to answer my letters. Thay have stated quite clearly that they will only send mail to an attorney who I do not have contact with. She was retained for one task, and that was to send a qualified written request to Rightpath, because they ignored the one I sent as a civilian and not an attorney. They claim that only this attorney can request that the my communicate with me but i have no authority to do this, even though I am the one whos house they are threatening to take as a sort of blood sport : I am not aware of a law that protects their right to deny communication with me at this critical time when so much is at stake and the clock is running out. I need these two obstacles to be removed in order to recover from this bazar adventure and get back to a safe place without worry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act Transunion, 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 a account without my written instructions. Transunion continues to report a Child Support case on my consumer report, this information is inaccurate, incorrect, false, misleading, and a violation of my privacy under the Law. I have attached a copy of my consumer file with this complaint. The report also states according to Transunion, the " estimated date '' for removal is XX/XX/XXXX. Which has long passed. I have contacted the courts and the agency and they have assured me, they DO NOT report to any credit bureau for any reason! I believe, this information has been provided by a third party which is also a violation under the FCRA. Furthermore, this alleged case has been CLOSED and SETTLED PRIVATELY between all parties. Since this has been on going since XXXX of XXXX, I also intend on filing a lawsuit in Wisconsin for Defamation of Character under XXXX. XXXX Defamation. ( 1 ) Whoever with intent to defame communicates any defamatory matter to a 3rd person without the consent of the person defamed is guilty of a Class A misdemeanor, against Transunion, as well as, the 3rd party whom furnished the false information. In closing, they have also reinserted this without prior notification, which is also a violation.. We settled this exact complaint in report number : XXXX. 
In which TransUnion LIED to the CFPB stating the filing was'nt even there!! in they're response. TransUnion is again CAUGHT LYING to the CFPB..I also have attached the consumer report, proving they reinserted it, and the LIE that it was never even there. Also, my Business Loan Officer stated this is listed as a BANKRUPTCY filing on my report!!! I never filed Bankruptcy, and there is no reporting of this ANYWHERE on any of my reports.

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 2021-03-21
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I contacted my mortgage company, BSI financial regarding my supplemental taxes. I was told that since there was enough money in my escrow account, they would be able to pay them on my behalf through my escrow account. I was asked to email a copy ( attached ) of the tax bill to the company and told that they would be able to pay it by the due date of XX/XX/XXXX since the process only takes 3-5 business days. The supplemental taxes were not paid on time. I then contacted BSI financial and was told their accounting department did have the request, they were working on it and any fees related to the payment being late would be covered by them since it was there error. I then followed up with the company every 2 weeks to follow up on the payment being issued. I was always told that they have the request, they are working on it and they will cover the late fees. I was also told several times that agent XXXX XXXX XXXX would call me back, or a supervisor would return my call regarding the status and no one ever called me. On XX/XX/XXXX the company did a escrow analysis and issued a check to me for {$7600.00} instead of paying the supplemental taxes. I called and spoke with an agent XXXX XXXX XXXX who said that the company was not responsible for paying supplemental taxes and there wasnt enough money in my account to issue the payments. I explained that there was enough money in the account before they conducted the escrow analysis and issued me a refund. She stated she would speak with the tax department and get back to me. She never returned my call. I then spoke with a supervisor XXXX XXXX XXXX who told me the issue would be fixed and they would cancel the analysis check, pay the supplemental taxes and pay the fees. On XX/XX/XXXX the company paid the supplemental taxes and fees using money from my escrow account. Despite the fact that every agent I spoke with told me the company would pay for the late fees since it was their error. I have also received a letter stating they are reducing my mortgage payment to account for excess escrow funds. This is wrong. My mortgage payment was the correct amount to pay the taxes after they are reassessed from the purchase of the home. It is unclear to me why BSI financial does not understand that the taxes were reassessed and are higher. This company has completely messed up my escrow account at this point and no representative or supervisor is able to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: EQUIFAX, INC.
State: FL
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 have some inquiries that they are not mine they ask to send them an ftc report I did everything they ask me they send me a report that say those inquiries been deleted I been waiting 3 months an they are still showing in my credit I call them they told me those paper been more than 90 days so I need to send a new ftc report if not they cant do anything an I dont understand after I got a report that it there that is deleted why is showing up why I have to do everything again because of. Errors in the part

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called TransUnion on XX/XX/23. I dialed ( XXXX ) XXXX. I spoke to a male agent in the XXXX who identified as XXXX. My call was on or around XXXX XXXX XXXX 
I told the agent the call center in the XXXX has agents that have been deliberately disconnecting the call on me. The agent then said due to my unprofessionalism, he is going to end the call. He then disconnected the phone call. I was not unprofessional. This prevented me from filing a dispute. There is inaccurate information on my TransUnion credit report. Consumers have a right to submit a valid complaint. I then called back a few minuets later and spoke to a agent who identified as XXXX in the XXXX. This agent then immediately disconnected the call at the very beginning of the phone call. 

This has become the norm at the XXXX XXXX and is highly inappropriate.

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 2023-01-21
Company: EQUIFAX, 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:
DO NOT CLOSE THIS COMPLAINT FOR ANY REASON IM TIRED OF GETTING MY COMPLAINTS CLOSED FOR NO REASON. I am making this complaint myself. about accounts that do not belong to me that the credit bureaus have ignored my letters that ive sent in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
CREDIT REPORTING AGENCIES REFUSE TO REMOVE 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 explanation
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some personal information. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-03-22
Company: EQUIFAX, INC.
State: FL
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:
Beginning in XX/XX/XXXX I began disputing incorrect information contained in my personal consumer credit report and after several investigations the errors still exist on my credit report. There are numerous errors on my credit report regarding old accounts that have had multiple dates changed and re-aged in order for the accounts to maintain on my consumer credit report. 

Although many accounts have been re-aged to stay on my credit reports an account that was reported by XXXX XXXX/XXXX that was opened on XXXX XXXX and officially closed on XX/XX/XXXX has not been re-aged or has any of the dates changed but the account remains on my credit report being reported by Equifax even though the account was closed over 11 years ago. 

Several accounts have had multiple payment dates and closed dates changed in order for the accounts to stay on my credit report. The accounts that have been re-aged to continue to exist on my consumer credit reports include the account being reported by XXXX was opened on XX/XX/XXXX ; this account was closed on XX/XX/XXXX but the account has been re-aged and is being reported as being closed on XX/XX/XXXX. The account being reported by XXXX was opened on XX/XX/XXXX ; this account was closed in XX/XX/XXXX, but the account has been re-aged and is being reported as being closed on XX/XX/XXXX. The account being reported by XXXX XXXX was opened on XX/XX/XXXX ; this account was closed in XX/XX/XXXX, but the account has been re-aged and is being reported as being closed on XXXX XXXX. The account being reported by XXXX/ XXXX was opened on XX/XX/XXXX ; this account was closed in XX/XX/XXXX, but the account has been re-aged and is being reported as being closed on XX/XX/XXXX. 

I believe these accounts have been adversely affecting my credit for over 11 years and my attempts to resolve the issues by filing multiple disputes have not corrected the numerous errors that continue to exist in my consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
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: Public record information inaccurate

Complaint:
i am writing a complaint regarding Transunion credit reporting agency they are reporting an inaccurate bankruptcy under my name that it foes not belong tome, i have disputed from all three bureaus and was removed from XXXX and XXXX, but Transunion is giving me a hard time and not providing customer service what so ever, when i dispute it they don't even dispute i call a day later they say that was verified, literally in a day. please i am uploading the same documents which i uploaded and mailed to all three bureaus as a result XXXX  and XXXX  removed this inaccuracy and Transunion does not. please find attached my documents and help me to resolve this issue by removing the inaccurate bankruptcy from my Transunion credit file thank you

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 2021-03-22
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reviewed my consumer report and see unauthorized inquires reporting. I am a victim of identity theft, I did not authorize this transaction or consent to it being furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
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:
On XX/XX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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
Consumer complaint received 2022-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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 2023-08-08
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-01-14
Company: Experian Information Solutions Inc.
State: NY
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 acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, experian, and XXXX did not modify or removed anything. 

The hard inquiries and student loans is not correct on all three credit reports on three credit reports Which is a violation. This is impacting me from moving forward to buying a car. 

I attach my previous credit report and my new credit report to show how Experian violated my rights.

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