BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-18
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: Their investigation did not fix an error on your report

Complaint:
I requested my credit report from Transunion on XX/XX/2019. I saw that there was negative information reported by XXXX XXXX in the file that Transunion maintains under my Social Security Number. Upon reviewing that copy of my credit report, I saw an entry listing incorrect and missing information. As well as an incorrect account number. I wrote and certified mailed a letter to Transunion challenging the accuracy, compliance and reportability of this listing. I asked them to please validate that information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested that the information be immediately deleted from the credit file they maintain under my Social Security Number. I also stated that I do not consent to XXXX or any means of automated verification. They replied back that XXXX XXXX   " Verified '' that the account they are reporting under my name is accurate. I then on XX/XX/2019 certified mailed another letter to Transunion Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to be provided within 15 days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. And that any automated response or XXXX verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30 days. So by them not replying back within 30 days they violated federal law, and they had failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. And I have evidence via certified mail receipts. So they must remove the item.

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 2017-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
Transunion continues to report a XXXX XXXX account # XXXX as derogatory. This account has been either closed 10 years ago and/or is part of a discharged bankruptcy ( 2015 ). 

***Negative reporting on a discharged debt is a violation of the permanent injunction of my bankruptcy discharge. *** Transunion is violating the bankruptcy code. I am considering the possibility of re-opening my bankruptcy case for contempt action against Transunion. 

I am requesting that Transunion CEASE and DESIST their negative reporting of this XXXX XXXX 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 2023-03-16
Company: Experian Information Solutions 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:
several attempts to get 2 accounts corrected and updated as PAID. XXXX XXXX XXXX. i have also attached her Credit Report showing the Factual proof that the Credit Bureaus Failed to update the account so it can reflect Paid. both accounts have been PAID IN FULL.

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 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On XX/XX/2020 I submitted to the credit bureau Transunion certified proof that I had completed the debt verification process for four derogatory accounts that they are reporting on my credit profile. This process was completed certified mail and included contacting the creditors about the alleged debt and requesting the documents that they have that validate the debt belongs to me. Each of these four companies did not respond to any requests via mail or telephone therefore they could not have verified the debt as they claim to have via the disputes process. I have sent Transunion certified proof of this and requested the accounts be removed or proof of the validated information. They have not n provided either. According to FCRA Fair Credit Reporting Act U.S.C 1681 Transunion has violated my rights as I have not given them permission to share this 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 non-monetary relief
Consumer complaint received 2022-09-02
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was approached by a man acting like a girl on the app XXXX. This poser then proceeded to tell me that they had dirt on me and that they would expose me to all my family and friends unless I gave them {$300.00}. Which I just got to college so I was scared and complied. After doing so I realized I shouldve never had listened and sent the money. I paid {$200.00} of that {$300.00} through zelle and after this I reported the transaction and reported it as a scam. I called and filed their reports numerous times and they told me there was nothing they could do to get my money back which is why im sending a report in now to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: EQUIFAX, INC.
State: CO
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:
All three bureaus are INCORRECTLY reporting me as being late with my XXXX XXXX XXXX XXXX account ( XXXX XXXX. 

Each of these bureaus are reporting me as being late or delinquent and I have never been late or delinquent. I have proof directly from the creditor which is attached. This just goes to show you that all 3 bureaus are reporting false information to simply damage someone's credit. 

I need this account to be updated with all 3 bureaus immediately and a brand new credit report to be sent to me for confirmation. 

This is getting ridiculous the way they violate the law. ATTACHMENT SHOWS THAT THE CREDITOR FIXED THIS BUT THE BUREAUS ARE NOT FIXING IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have attempted to contact XXXX XXXX via dispute letters. I have never received a response from them. 

After contacting my Attorney General Office here in Georiga I was advised that XXXX XXXX XXXX is involved in litigation and the item being reported falls under litigation items with the company.

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 2022-09-02
Company: Marlette Funding, LLC
State: NV
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : BEST EGG  XXXX Open Date XX/XX/2017 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-09-02
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted 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 2021-03-02
Company: PORTFOLIO RECOVERY ASSOCIATES 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 information incorrect

Complaint:
XXXX XXXX XXXX  XXXX Balance : {$730.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX Balance : {$580.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

PORTFOLIO RECOV ASSOC XXXX Balance : {$560.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. 

XXXX XXXX XXXX XXXX Balance : {$550.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX XXXX XXXX Balance : {$420.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX XXXX  XXXX Balance : {$260.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} - Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau. 

XXXX XXXX XXXX XXXX  XXXX Balance : {$150.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX XXXX  XXXX Balance : {$150.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: MONEY SOURCE, INC., THE
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I was recently unemployed and fell behind did everything in my power to keep up however loss mitigation seems to deter me at every chance after submitting all required documentation they would state they needed just one more document then I would send it then they would do this several times in the end denying me for missing documentation and that I would need to start the process all over again they did this three times to me I cant get caught up due to late fees and they refuse to accept payment and I asked what that is for reinstatement they said they dont know they would need to pay XXXX dollars to lawyer to get that information and it could take over a two day period this is ridiculous I owe XXXX thats it and they cant help me catch up

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: DHI Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We worked with DHI in XXXX. 2 days before the closing they asked us for documents that we sent weeks ago. 1 day before closing they were still asking for documents that we already sent in. The day of closing they had us sit in the conference room for 3 hours just to tell us we had to push our closing. During the whole process of the building portion of our home THERE WAS NO COMMUNICATION between us and our loan person. Every time we would email XXXX, XXXX, and XXXX WE GOT NO REPLIES. No one would ever pick up the phones. The day of closing they tried to say the paperwork wasnt ready and then another person came in and said it was. The team dont communicate with each other. XXXX would says one thing and then XXXX would say something TOTALLY DIFFERENT. After we closed we went to get our stuff and come back. We got to our home at XXXX with our kids and OUR KEYS FOR OUR HOME THAT DHI GAVE US YESTERDAY DONT EVEN WORK. We are literally locked out of our home and is on the way to a hotel as I am typing this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-18
Company: Experian Information Solutions 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:
Please note that on XX/XX/XXXX a letter was mailed to Experian in reference to certain accounts that are reporting on my credit. I have asked under my FCRA rights to have these accounts verified due to the fact that I know nothing of these. Under FCRA 15 U.S.C 1681, the credit bureau are required to properly verify ALL information in reference to what they report on a consumer. 

Experian has responded saying verified however, there were no documents showing the verification. Even the company who is holding the account according to a complaint made here on CFPB shows that the company never received any documents showing a debt. Current Federal Law states that the consumer agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from another source. also ordered by the court is that a re-investigation shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

Under the FCRA section 611 ( 5 ) ( a ) these accounts should be Promptly deleted as it can not be verified with the proper documentation although it has been more than 30 days,

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 2019-11-29
Company: SUN WEST MORTGAGE COMPANY, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I accepted a position with Sunwest Mortgage in XXXX was promised they would obtain mortgage licensing in GA. my office was in XXXX Tn., which it is very important that we able to make loans in GA.Called to mandatory meeting in XXXX Tn XXXX with Managing Director, National Production XXXX XXXX, was informed that they are not willing to terminate any of the felons that they currently have employed in order to obtain GA license, Was advised that I would not have to pay any sign-on bonus money back to the company and we could leave. I went to my Sales manager to complaint and was advised to take my loans and get out. they refused to pay me my commissions have demanded that I repay my sign on bonus. I felt threaten and afraid of their strong arm tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Nicholas Financial 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 tried three times to get the payment lates on my account removed however instead of investing each time all they do is change info on late and not remove. I have submitted two different investigations and neither are correct there for all the agency is doing is guessing and submitting to credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: WELLS FARGO & COMPANY
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:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2017-06-14
Company: Stellar Recovery, Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
False inquiry about a collection debt from  XXXX   XXXX . That I never signed or gave my social security to them. Yes I 'm claiming fraud on this collection!

Company response to consumer: Closed with explanation