BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-18
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: Public record information inaccurate

Complaint:
On XX/XX/2021, a dispute letter was submitted via mail and fax to Transunion, XXXX and XXXX in reference to the Bankruptcy listed which is inaccurate on my credit reports. I have allowed substantial time to resolve my concern due to the pandemic. I have also contacted the Courts as well and they advised me they do not report to the Credit Bureaus. If the Courts do not report to the Credit Bureaus, how is this listed on my credit report? By FCRA law, all Credit Bureaus are required to validate/verify information BEFORE it is added to a consumer credit report. The Bankruptcy listed is in violation of FCRA not only because the courts do not report information to the Credit Bureaus but by law the Bankruptcy must report City, State and Court Name which it doesn't. This Bankruptcy is negatively impacting my ability to secure new credit and or purchase a home. I request full removal and an updated copy of my credit report mailed to me.

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 2021-11-18
Company: HW Holding, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX has been violating me for the past decade. I have never done business with them but they continue to report negative information to the credit agencies which is ruining my reputation and defamation of character. The correspondence is false and misleading and there are also a number of violations including harassment by mail and phone. I requested they cease and desist all collection activities but this company continues to breach my right to privacy and disregard federal laws that I am protected by as a consumer.

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 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-10-20
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-11-18
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Initially, in XXXX of this year, I tried to be proactive and get help before falling behind ( separation, job circumstances ). No help was given at that time. I then fell behind and made payments as much as I could to catch up and requested from XXXX until now for an extension. 

In XXXX I was told I could receive one if I made over XXXX dollars in one month. I was not able to do so. 

I have since moved out of my apartment and into a smaller place to catch up. 


Two different departments have told me two different things as far as catching up. 

These people scream at you, don't take accountability for misinformation and threatned to reposses your car. It is so horrible to experience. 

I am so disappointed in this company and how they treat their customers. 

I've had no COVID help after almost a year of leasing to own this car.

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 2017-11-09
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:
Last XXXX XXXX, 2017, I sent this credit repository a letter requesting an investigation on incorrectly reported items on my credit report. Attached to this complaint is a copy of the letter sent to this credit repository dated XXXX XXXX, 2017. I have written several letters to each of the company showing on my credit report requesting for validation and I never received any proper validation document. How can this credit repository report or inform me that these items I disputed were verified when I never received any validation document? It is quite unfair and unlawful for them to be able to verify these items when I do n't receive validation documents on my end. I think this is definitely a violation of FCRA and FDCPA. 
Disputed items : XXXX XXXX XXXX ref #  XXXX XXXX XXXX XXXX XXXX ref # XXXX XXXX XXXX ref # XXXX XXXX XXXX ref # XXXX XXXX XXXX ref #  XXXX XXXX XXXX XXXXXXXX Ref #  XXXX XXXX XXXX XXXX Ref # XXXX XXXX XXXX XXXX Ref # 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 2022-10-20
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This is XXXX XXXX XXXX XXXX, and I am submitting a complaint to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The Equifax Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The Credit Bureau has failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. XXXX XX/XX/2022 ; XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: CHECK INTO CASH INC.
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I spoke with XXXX XXXX, who stated he was the manager, today ( XX/XX/2021 ) after they contacted a colleague of mine on her work phone line. I asked how they got that information and he refused to tell me, saying the " only right I have is to pay the debt. '' He continued to say " I don't ask you what you do at your job. '' He would not provide me with any information regarding how he obtained my colleagues contact information or anything. The only thing he said was how much I owe and to what creditor. On top of that, they call multiple times per day. I told him I wanted to revoke any permission to call any contact phone number he has and only communicate in writing to my home address. To which he replied that is not my right. 

I have filed a complaint with the original creditor and am waiting to hear back from them about getting the collections activity transferred back to them. The original creditor has been sympathetic and are doing what they can to help transfer the collection activity back to them or another debt collector.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-20
Company: Experian Information Solutions 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 attempted on several occasions to Experian to remove inaccurate accounts. XXXX Acct # XXXX Acct # XXXX. Experian claims they verified it but would not give me the information on who they talk to and any proof they required.

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 2021-11-18
Company: EQUIFAX, INC.
State: MN
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 am requesting the following accounts be updated. I have tried to reach out to Equifax regarding this information for some time. 

Please remove any comments, remarks or indication of a dispute with both XXXX XXXXXXXX XXXX accounts on my credit report. 

Removal of an incorrect late payment mark for the month of XX/XX/XXXX on the XXXX XXXX XXXX  credit card. 

Removal of the following inquiries ( these were NOT made by me ) : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XXXX, XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I disputed the completeness and fairness of an account reported on my Experian credit report. Experian responded and said that the information was verified. I followed up on Experian 's response by requesting a Method of Verification via mail per my CFPB complaint # XXXX, along with my evidence to show proof of receipt of this complaint. It states that the company has 15 days to respond. My complaint was submitted on XX/XX/23, and it is now XX/XX/23. And there has been no update or actions taken per my 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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2017-11-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I used Equifax credit monitoring and I requested a full refund of the fees. My information was not stored securely and I have had personal information stolen in their security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 the following erroneous information that needs to be investigated and corrected : 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 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 2021-11-18
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
5 months ago or so i was checking my credit and found all of these fraudulent medical accounts on my reports, i have and still have full coverage no deductible insurance coverage with XXXX XXXX and i have had it from the beginning around 10 years.i reported the fraud to the police in my area, also made a affidavit with ftc plus made numerous reports with you, all the fraud info was finally taken off .know i goto my XXXX credit report and they are all back on plus a new one, which i was told buy that company XXXX XXXX XXXX it was sold to them by XXXX XXXX the same company that did the past frauds on my account. XXXX credit reporting agency is the only one that has not put them back on most likly because i have to pay them monthly to check my own credit file, but XXXX and XXXX keep putting these same old fraud accounts back on my file they have been sent police reports, ftc affidavits, everything and they keep ruining my credit until i start paying them please help me enough is enough i am so tired of having to do this over and over every three or four months thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Nelnet, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The Federal Loan service provider Nelnet has not reported accurate information on my credit profile regarding my student loans, and has impacted my ability to secure housing. I am currently homeless due to Nelnet 's negligence in reporting fair, timely, and accurate information according to the FCRA. 

As of XX/XX/2023, my student loan balance has been paid in full in the amount of XXXX, XXXX. Nelnet is no longer a servicer of this account and therefore should delete this account from my credit profile. Nelnet has failed to report updated account information in which my account appears to be delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: BB&T CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Note : the original questions asked to file this complaint have no area to comment : thereby not allowing for complete accuracy in answering these questions. 

Please ad comment boxes Today XX/XX/XXXX had to withdraw my previous complaint filed XX/XX/XXXX d/t missing information and miss spelled wording. This original complaint was taken over the phone. 

subsequently I am refiling this complaint. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - To BB & T also known as XXXX/XXXX XXXX/financial institution/mortgage company, XXXXxecutive branch : I am filing a formal complaint against your company and the two companies you sub contracted ; XXXX XXXX XXXX & XXXX XXXX XXXX for consumer harassment, trespassing, breaking and entering, and destruction of property at my Residence XXXX XXXX XXXX in XXXX Maryland, XXXX, on XX/XX/XXXX. 

This is the 4th time I have made BB & T aware that they were not permitted to trespass on my property and you have continued to violate my request. 

This has caused an enormous amount of stress on me, and my father who was at the residence on the day this took place. 

I believe your company is not only breaking the law on numerous counts but attempting to force me into default to illegally obtain my property. 

On this occurrence : date XX/XX/XXXX my father went to the house for repairs and found the doors of my home opened with 3 men inside the home, the basement door lock was busted open. 

I was then also advised by the parties present that you had broken the locks and entered my garage also and drained my pipes in the home. 

I asked for a copy of the original work order on multiple occasions and have still not received it. 

I called the city police department and a report was taken. 

The 3 men from XXXX XXXX XXXX provided a work order number XXXX and stated they were hired by XXXX XXXX XXXX who was hired by BB & T to inspect my home without my consent or knowledge. 

At no point was I ever notified by any of these 3 companies of their intentions. 

At no point were they given permission to trespass on my property, and in fact BB & T and XXXX XXXX XXXX were told on 3 separate occasions they were not permitted on my property due to 3 prior attempts. 

They were told they were not aloud on my property with out prior approval in writing by my self within one week of notice of entry. I spoke with customer service, loss mitigation, and your Chairman hotline in regards to this issue and expect a response immediately. 

I have notified home owner insurance company and the Consumer Protection division of the violation. 


With any due Respect, XXXX XXXX XXXX XXXX all correspondence is requested via email

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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, the list of account has violated my federally protected consumer rights to privacy and confidently under the 15 USC 1681. According to statue 1681A 2a1 of the fair credit reporting act, they are to exclude my transactions. This account ( s ) are in clear violation of my consumer rights by including these transactions. My payments are considered transactions. This is a defamation to my character.

Law 15 USC 1681 Section 602A states I have the right to privacy.

Law 15 USC 1681 Section 604A section 2 states : It also states a consumer reporting agency can not furnish accounts without my written instructions.

Law 15 USC 1666B states : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2021-11-18
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: Information belongs to someone else

Complaint:
I am challenging the incorrect information with XXXX on my credit report. Where XXXX and TransUnion clearly violated the law. XXXX and TransUnion put on my credit report an account number that is not my and the balance is false. The one month terms payment of an account that is completely close. Furthermore, XXXX mortgage is Fraud. The account is false, the date and the amount. I am a victim of identity theft. XXXX XXXX is attempting to collect an alleged debt on the basis of fraud. XXXX making demand for payment on a mortgage paid in full. XXXX decided to ignore my demands for Validation. Validation of the debt XXXX XXXX, XXXX and XXXX. I need an ( actual accounting ) 2. Verification of claim against me ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties under Federal Debt Collection Practices Act ( FDC PA ). Im challenging this account with XXXX and XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete/remove accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation