BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear TransUnion you are willfully ignorant to the adverse actions you have yet to update and fix The following 4 accounts need to be updated as Paid and removed immediately XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Department of Education Please do what you were bonded by law in good faith to do in taking care of the private people of the land.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: Experian Information Solutions 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:
I sent a letter to Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information orAny 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 non-monetary relief
Consumer complaint received 2021-12-15
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: Investigation took more than 30 days

Complaint:
On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and then I submitted a complaint to the CFPB on XX/XX/21. XXXX replied saying they needed my authorization to proceed with the complaint. I called and gave them my authorization on XX/XX/21 and they said they didn't receive my CFPB complaint. I feel like I'm being taken advantage of because it has been well over 90 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 120 days days, so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX Data Breach and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.

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 2021-04-19
Company: Certified Credit Reporting, 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: Investigation took more than 30 days

Complaint:
I Filed a dispute on my credit report and it has been well over 30 days since I filed the dispute and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom it may concern, With SPS as our loan servicer we had kept up with our house payments until XXXX of XXXX. At that time due to company layoffs and loss of income just prior to that we were unable to keep up with our house payments. While we tried to work through this with SPS, after 3 months they refused to take any house payments. We had made several attempts with SPS to get a Loan Modification with no success. SPS continued to refuse to work with us at any level or take any house payments through the years when while trying to get new jobs and to get back on our feet. 
Our home has been in and out of foreclosure multiple times over the next few years while SPS has continued not to want to work with us. 
In XX/XX/XXXX SPS offered a retention option of a 12 month repayment plan with a balloon payment due at the end of the 12 months. We accepted this offer and made all scheduled monthly payments due on time but were unable to make the balloon payment. These payments were nearly double the amount of our regular house payment. 
We reached out to SPS to try to renegotiate a new or continued repayment plan, but we were denied. Beginning XX/XX/XXXX a Covid19 Forbearance was put into place. This Forbearance along with XXXX XXXX continued through XX/XX/XXXX. 
Covid19 had and is still having a profound effect on our financial situation. Our home based business was forced to close and we lost extra income we had created by renting an extra room. 
Documents that SPS have provided per our request contain many errors and incorrect information, such as incorrect amount of our monthly income. The document shows us having XXXX dollars of monthly income. The deed of trust has XXXX listed as the lender. XXXX is not the current lender but there is no filing of deed of trust by the foreclosing lender. The principal amount due is incorrect. We last submitted for help on XX/XX/XXXX and where denied on XXXX-SPS never even gave us a fair review submitted a XXXX Denied the following XXXX-NO REVIEW!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: Professional Finance Company, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent written requestfor verification of said debt to this Professional Finance Company over 60 days ago and received no reponse. I sent my letter certified with a return receipt. They have received my letter but refused to respond to my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: TD BANK US HOLDING COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Please access my attached statements for account number XXXX. On XX/XX/2021, I bought a product for {$490.00}. The product was electronic and did not work : it did not take a charge. 
I returned the product via U.S. Mail in a timely manner with tracking number XXXX. 
I was charged interest for the period I had the faulty product. I didnt think I should be charged interest for a product that never worked. I called Nordstrom Card Services, I was told that the bill would be adjusted. I then proceeded to get late charges. Throughout the summer. I called the credit department again and was told that the charges would be removed In my final conversation with Nordstroms credit in XXXX, I paid the balance, not in agreement with the charges, but to irradicate the negative reports to my credit report. 
I have always paid the balance of the credit card whenever there was a balance. 
In light of the circumstances, and my payment history to Nordstroms Credit, I am asking that the derogatory reports to the credit report be reversed and removed by you. 

Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Denied credit within the last 60 days, I am retired, I am entitled to a mailed report. Therefore, mail my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable accounts that are keeping to be established as correct. Be sure to generate with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-09-01
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:
MY COMPLAINTS ARE BEING DENIED AND CLOSED WHICH IS AGAINST THE LAW By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) /U.SC The Furnishers XXXX XXXX XXXX XXXX of the following accounts 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  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX have violated my rights. according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "

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 2023-01-05
Company: Experian Information Solutions Inc.
State: MD
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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXXXXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX  XXXX 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 explanation
Consumer complaint received 2022-01-15
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 status incorrect

Complaint:
My credit score on XX/XX/2021 was XXXX. 
My credit score currently has been dropped by 83 points to XXXX. 
Nothing material has changed on my credit report to cause this action. 
For example, due to COVID-19, all loans in forbearance, deferred to the end of the loan upon exiting forbearance, resuming regular payments, with all payments continuing to be current, under the CARES act should not cause this action as informed to me by the banks. 
I have asked the credit bureau to restore my credit score back to XXXX. 
This is yet to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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: Information belongs to someone else

Complaint:
there was an illegal reinsert of an account that was taken off my credit report that does not belong to me. The FCRA states that your information may not be reinserted onto your credit file by the credit reporting agency unless the information is indeed mines and the consumer reporting agency is required to send the consumer/myself a written notification within 5 business days that the account is being reinserted and I never received the notice at all. Here is the account : 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 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
For the past two month, I have been trying to get a total of 12 hard inquiries removed from my credit report that i did not authorized. The inquiries and unauthorized dates are listed below : XXXX  XXXX ( Wednesday, XXXX XXXX ) XXXX fXXXXn ( Wednesday, XXXX XXXX ), XXXX XXXX ( Sunday, XX/XX/2020 ) XXXX XXXX ( Monday, XXXX XXXX ) XXXX XXXX ( Monday, XXXX XXXX ), XXXX XXXX ( Monday, XXXX XXXX ) XXXX  XXXX  ( Monday, XX/XX/2020 ), XXXX XXXX ( Monday, XXXX XXXX ), XXXX ( Monday, XXXX XXXX ), XXXX XXXX ( Friday, XXXX XXXX ), XXXX  ( Wednesday, XXXX XXXX ) XXXX XXXX XXXX XXXX  ( monday, XX/XX/2020 ), XXXX XXXX ( Monday XXXX XXXX ). I sent dispute letters to Transunion to verify these inquiries and the information comes back verified. I called and they prompted me to call Each creditor to retrieve a '' Letter of Deletion ''. When i called the creditor to request a letter of deletion, Each creditor informed me that there is no record of a '' XXXX XXXX '' in their system. So, I sent Transunion another letter to verify their method of verification and requested specific details to ensure verification and Transunion failed to do so ; these inquiries again came back as verified. I called the bureaus again to seek further assistance in these inquiry deletions and no one seems to help resolve this matter. As a consumer, I feel my rights have been compromised and violated. I have done all that was requested of me and feel devalued as a consumer and customer of Transunion. At the time of these inquiries, I was and still is in college and was not seeking credit of any sort. Please remove these inquiries as requested. They were not authorized.

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 2022-08-08
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My vehicle was totaled in XX/XX/XXXX credit acceptance received payment for the vehicle value. I open the loan with credit acceptance in XX/XX/XXXX the duration of the loan was for three years. However credit acceptance has been illegally reporting missing payments to all three credit bureaus recently being on XXXX XXXX. They still have this loan as being opened and missing payments. I have contacted this company several times and was talked to in a very unprofessional and disrespectful manner. This is going on year five that this loan has been opened which was originally XXXX dollars however credit acceptance has on my credit report that I owe them almost XXXX dollars for the used vehicle that was totaled. This is practicing unfair and disceptive actions towards consumers such as myself. It is illegal for them to report defamatory information to hinder my credit continuously and maliciously with the intent to cause harm or financial gain.

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 2018-12-03
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Credit Bureau : Equifax Date of Inquiry : XX/XX/17 Company information : XXXX There is a hard pull showing up on my credit report, but I did not authorize this. Equifax is unable to help me remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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:
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.

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 non-monetary relief
Consumer complaint received 2023-01-04
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
3 years ago maybe longer debt for XXXX XXXX was XXXX and it affected my credit score lowering it from that point my credit went up to XXXX and this XXXX debt was REFRESHED on my credit score how can they resubmit a debt for collections that affected my credit score AGAIN I am confused by this can someone help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Greetings XX/XX/XXXX XXXX XXXX closed an account insufficiently and unexpectedly ( Credit Card Act of 2009 ) without advance notice of other significant changes ( 15 U.S.C.1637 The Truth and Lending Act has clearly been violated. I was never given advance written notice of this significant change to this account being closed 45 days prior to. All payments made to this account have been reported and recorded as on time and satisfactory by XXXX XXXX XXXX, Trans Union, and XXXX. These payments have been accurately recorded by these agencies as on time and satisfactory payment history. XXXX XXXX then wrote me a letter stating that they would re-open My Account, which they then told me that I had to reapply which caused an inquiry and a denial of my credit. XXXX XXXX has falsified additional reporting as unsatisfactory late payment history, which is in accurate and clear breach of their contract by defaming my character 28 US code section 4101, section 312231.05. With intentional and reckless malice, these statements were made to third parties. As of XX/XX/XXXX XXXX XXXX continues to report to third parties as late and unsatisfactory.

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