BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-17
Company: Experian Information Solutions 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:
XXXX {$460.00} and XXXX {$120.00} and XXXX XXXX XXXX {$300.00} I challenge the accuracy, compliance and reportability of these listings. The negative marks are inaccurate. There is no contract or valid claimI also contacted original creditorI want these accounts removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.It is against the law to attempt to collect a debt twice ; accounts were settled by my Insurance carrier with original creditors.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of 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
Consumer complaint received 2023-04-11
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: Information belongs to someone else

Complaint:
This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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

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 2023-06-20
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:
There are multiple Accounts reporting that are not mine I do not recognize any of them

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 2023-08-01
Company: Experian Information Solutions 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:
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.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: MI
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:
in accordance with the Fair Credit Reporting act, XXXX, Equifax and XXXX has violated my rights. 

15 USC 1692 ( B ) ( 5 ) 15 USC 1681 ( A ) ( 4 ) FCRA 623 ( A ) ( 6 ) ( B ) 15 USC 1681 ( A ) ( 2 ) FCRA 623 ( A ) ( 2 ) 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 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. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block .According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it and address used to open account ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX XXXX REPORT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX you are in violation of the Fair Credit Reorting Act and the CFPB reguation for not reporting the complete payment history of this federal consolidation loan from XX/XX/XXXX to XX/XX/XXXX, orginated by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$49000.00} and now over {$80000.00} XXXX XXXX to report to the XXXX XXXX XXXX the complete payment history of the University XXXX XXXX XXXX XXXX XXXX loan from XX/XX/XXXX to present that was terminated by the US Department of Education XX/XX/XXXX. I have not paid a penny to XXXX XXXX and have not signed a forebearance or deferrment. XXXX XXXX currently has not sent Transunion and XXXX an accurate month by month. payment history of XXXX student federal loan and it has been over 120 days. XXXX XXXX has not sent me monthly billing statements. I have called XXXX XXXX and the representative said they have no account in my identity. Transunion and XXXX to report the complete accurate payment history on my online credit report account required by law of the fedral student loan. If XXXX, Transunion and XXXX do not report the complete accurate paymebt history on my online credit report the law state you must remove the account immediately. XXXX XXXX to obtain the approval from the US Department of Education General Counselor to report on my credit 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 2020-07-12
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020, I sent a letter to Pentagon Federal Credit Union ( PenFed ) and enclosed the following 3 negotiable instruments : Money Order for {$750.00} ( part of regular mortgage payment ) Personal Check for {$120.00} ( ck # ( part of regular mortgage payment ) Personal Check for {$39.00} ( additional money for replenishing escrow account ) Only one of these instruments was negotiated, the check for {$39.00}. The Money Order and check for {$120.00} have not been negotiated. 

As a result, PenFed has been issuing me default notices and threatening foreclosure. 

I have inquired about the non-negotiated payments ( see letter dated XX/XX/2020 ) but PenFed has not responded. 

I also sent a letter to XXXX XXXX but have received no response. ( see XX/XX/2020 response )

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 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: MIDFIRST BANK
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX. The mortgage was taken out in my name in the autumn of XXXX ; my wife could not be a co-mortgagor because she was not resident in the XXXX at the time of purchase. 
XXXX. Mortgage was paid on time until the XXXX pandemic when my wife and I were compelled to go into forbearance, which was offered by the original mortgage company, XXXX XXXX XXXX. 
XXXX. XXXX later assigned the mortgage to Midland Mortgage. 
XXXX. Forbearance continued XXXX. About XX/XX/XXXX, Midland offered me a loan modification, which we accepted. 
XXXX. I signed and notarized the documents the same day I received them, and returned them to Midland via courier. 
XXXX. Unbeknownst to me, Midland gave only 1 day turnaround time -- meaning I received it today, notarized it today, and had to ensure that it arrived at their offices the following day. 
XXXX. I have no idea whether this is best practice or even what regulations determine the setting of such tight timelines XXXX. The notarized application was rejected because it came a day late. 
XXXX. I chatted with a Midland representative afterward by phone to restart the process. I mentioned the unconscionable turnaround time and asked for notice by email of updated documents being sent to me. 
XXXX. Midland emailed me updated loan modification paperwork online, which I printed out, notarized and sent by XXXX the same day at a XXXX XXXX XXXX. Midland rejected this one also because of page numbering 13. Midland then sent me another loan modification application, which I again notarized and sent for next-day delivery XXXX. " Next day '' according to the date provided by Midland was a Sunday. This indicated to me that return-by dates were set arbitrarily.

15. I nonetheless paid the cost required for the documents to be delivered the next day, although the package would not be delivered until the following Monday. 
XXXX. During this period ( forbearance and the modification runarounds ) I was XXXX  ( XXXX XXXX ; XX/XX/XXXX to present ) due to being laid off twice XXXX. We were meeting the mortgage on my savings and my wife 's income ; but in XX/XX/XXXX, my savings were exhausted. 
XXXX. The accumulated forbearance plus interest has now grown to over {$70000.00} XXXX. We received a letter from a law firm Midland retained informing us of their intention to foreclose.

20. I have submitted another modification request and will follow up with an extension of time request.

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 2021-06-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
How do I report companies for false and deceptive information? Companies can not simply misconstrue the law and tell consumers they are operating under the law when they give out false information and it affects people 's lives! I put in a CFPB complaint about my consumer report where a company did not follow 15 USC 1666b ( a ). I was then told as a response by XXXX the following message ; " Additionally, when a consumer enters into a financial obligation the consumer is agreeing that the creditor has the right to report this type of information to the credit reporting agencies. '' NO, A CONSUMER IS NOT AUTOMATICALLY AGREEING TO CREDITOR HAS THE RIGHT TO REPORT AUTOMATICALLY! THE CREDITOR NEEDS WRITTEN CONSENT BY THE CONSUMER FIRST! EXPERIAN 'S STATEMENT IS FALSE AND MISLEADING! 

Why? 

because it states it law the exact opposite must occur! And I quote 15 USC 6802 ( b ) ( 1 ) ( A ) ; " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. '' Meaning I have to give written permission to agree for that creditor to report my information! Why would XXXX give me a deceptive answer like this? Who wrote this response? They should be held accountable as this is a violation of 15 USC 1611 ( 1 ) for giving " ... .false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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:
I entered into a contract with XXXX XXXX # XXXX on or around XX/XX/2016. I was entered into this contract without a full disclosure of my right to rescind. This is a visible violation of the Truth In Lending Act. If they had presented me with a full discloure of TILA I would have seen the finance charge. Pursuant to 15 U.S. Code 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me which is another visible violation of the law. Which leads to another visible violation of FCRA ( 1692e ) seeing that I was given false and deceptive information. Seeing that I was told that a down payment of {$2000.00} was needed in order to drive off of the lot. Pursuant to 15 usc 1605a - a finance charge is sum of all charges. The finance charge does not include charges of a type payable in a comparable cash transaction. This is under the FCRA. This is the law and a clear violation of it. I have written XXXX myself to try and resolve the situation, but they have continued ignore the consumer whose character they are damaging by continuously reporting negative and false information on me ( the consumers ) credit report. 
I know they are not able to provide these proper documents because they were not presented to me as they should have been under the law. They can not prove that they provided me a full disclosure of TILA and they knowingly took CASH down payment as that is a violation. 
Also according to 18 U.S.C.8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress , and canceled United States stamps.

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 2021-07-09
Company: Rausch Sturm LLP
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received an email from XXXX stating my wages would be garnished XX/XX/XXXX as the result of a judgement I had no knowledge of filed against me in XXXX. I was XXXX years old in XXXX and can provide a copy of my drivers license to prove my identity. Obviously, XXXX XXXX XXXX, who XXXX XXXX XXXX and XXXX XXXX XXXX of Rausch Sturm is representing, is collecting a judgement against the wrong person. In addition to that, the 10 year statute of limitations for the state of Arizona has long passed. XXXX XXXX XXXX and XXXX XXXX XXXX of Rausch Sturm, for XXXX XXXX XXXX, are garnishing my wages illegally. 

On XX/XX/XXXX, I contacted XXXX XXXX XXXX and XXXX XXXX XXXX, of Rausch Sturm, via email XXXX and explained that XXXX XXXX XXXX, the company they are representing is collecting from the wrong person and that I was XXXX, turning XXXX years old in XXXX when the judgement was filed. I left all of my contact information and have had no return contact. As a result of XXXX XXXX XXXX and XXXX XXXX XXXX, of Rausch Sturm, helping XXXX XXXX XXXX illegally garnish my wages, on XX/XX/XXXX, {$520.00} was taken from my paycheck for a debt that I do not owe. I have consulted an attorney which I will have to pay to represent me to stop this illegal wage garnishment, and will have to take time away from my job to collect papers pertaining to this case from the courthouse.

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 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Re : Transunion Hard Inquiry Deletions To Whom It May Concern, My information was bought and sold illegally because I was a victim of the XXXX XXXX breach. I want these items removed from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX and Transunion has done nothing. 

Please help me delete these illegal accounts from my credit reports. 

XXXX. ) XXXX hotel and travel XX/XX/2023 XXXX. ) XXXX XXXX - XX/XX/2023 XXXX. ) XXXX XXXX - XX/XX/2023 I have also filed and attached a copy of my FTC Report number. 

I do not recognize these inquiries. Please delete them from my Transunion credit report. 

See attachments for proof of the XXXX XXXX breach for deletion.

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