BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-08
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:
fraudulent inquiries on my transunion credit report. 

remove and block these fraudulent inquiries NOW PLEASE the transunion fruadulent inquires are : XXXX. XXXX XXXX ON XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX ATTACHED IS FTC REPORT ATTACHED IS MY CALIFORNIA ID ATTACHED IS A COPY OF MY UTILITY BILL FOR MY CURRENT RESIDENCE

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 2022-12-25
Company: EQUIFAX, INC.
State: RI
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:
I have contacted equifax credit reporting multiple times they have me locked out of my own account and have not fixed the problem it has been weeks now! And still I am not able to access my account and report on their online site. The last explanation I got from them was they didnt know why. They were working on fixing the problem they called a technical glitch that only applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
It has been a battle going through this and I am submitting yet another CFPB Complaint to update and correct the following fraudulent information in my file. I do appreciate the time the Credit Bureaus take in correcting some of the misleading information previously listed on my credit information. However I still need to assure complete accuracy on all items posted on my file. Therefore I ask the Credit Bureaus to provide me documentation regarding the precision of the items in question. Please conduct another investigation into the items listed : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Please be advised that you are reporting the wrong address information on my credit report. Kindly delete this incorrect address right away. 
XXXX XXXX XXXX Balance Owed : {$3700.00} I am frustrated! I have been disputing for the correction of this account and yet nothing has been done! I formerly asked for the proofs of verification or documents to prove that the information you report are accurate or you correct this account completely from my Credit Report but you have failed to comply! Your willful non-compliance of the FCRA statute is a clear violation of a consumers rights which is protected by the FCRA. I am now requesting that you update and correct this account on my Credit report or you stop this erroneous reporting. 
XXXX AUTO XXXX Balance Owed : {$0.00} How many letters do I have to send to you to inform you that this Account is paid and the balance is 0? This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the current status of 30 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate these illogical statuses and provide me with the date of the last activity for the account. Please delete immediately if unable to provide verifying documents!

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 2021-05-01
Company: M&T BANK CORPORATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I HAVE BEEN REQUESTING FOR OVER A YEAR VIA MAIL, PHONE, AND EMAIL FOR MY TITLE TO BE SENT TO XXXX  DMV SINCE WE NO LONGER LIVE IN XXXX XXXX WHERE OUR CAMPER WAS ORIGINALLY PURCHASED. THE ONLY THING THEY HAVE SENT TO THE DMV IS TITLE INFORMATION AND NOT THE TITLE SO WE HAVE BEEN UNABLE TO TRANSFER OUR TITLE TO THE STATE WE LIVE IN WHICH IS XXXX. THEY ARE SAYING THEY CAN'T SEND THE TITLE TO XXXX  DMV UNTIL IT IS PAID OFF WHICH MAKES ZERO SENSE. WE SHOULD NOT HAVE A XXXX XXXX TITLE IF WE NO LONGER LIVE THERE.

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: MO
Product: Credit reporting 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:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 non-monetary relief
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i was going over my credit report & noticed false inaccurate information being reported in my credit 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 non-monetary relief
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: OH
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:
Below is information Ive identified on my credit report that needs to be deleted from your records immediately. Please see attached letter. 

Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 1

5 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems.

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: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX XXXX XXXX I submitted a dispute regarding the following accounts below that are on my credit report. 


XXXX Account number XXXX Date opened XX/XX/XXXX I also reached out to the companies for validation of debt asserting FCRA rights under Section 609 and they have refused to provide me with this information. Each time I dispute the accounts instead of removing them they add late payments or adjust the payment history/dates on the accounts. I have been researching and looking up my rights as a victim of identity theft and also as a consumer I am entitled to protection under FCRA law 15 use 1681 I am entitled to a reasonable investigation. My rights under 15 USC 1691, 12 CFR 1022.41, 12 CFR 1022.42 the creditors reported information with actual knowledge of errors, 15 USC 1681s-2 have been violated.

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 2021-05-01
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I graduated undergrad in fall XXXX so my private student loan, previously held at XXXX XXXX XXXX  and now currently at Firstmark Services, was in grace until XX/XX/XXXX. I entered XXXX  school in XX/XX/XXXX and called Firstmark Services to find out if I was eligible for deferment. I was told yes and sent a form for my school to fill out. I returned said document to Firstmark Services the beginning of XX/XX/XXXX. Never heard anything back. When I called on XX/XX/XXXX to make sure I was back in deferment, customer service rep was rude and condescending and told me that my document was declined due to missing my schools stamp or seal. Upon asking why no one had informed me, customer service rep said that because I was in grace, I was not a priority. All the while I could hear his tv playing in the background. I had to ask multiple times if I needed to make a payment before this deferment business was fixed and he was not giving me a clear answer. There is no where on their website to leave a complaint or do a survey either

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: NY
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 Act XXXX  Account # XXXX Department of Education XXXX XXXX, Account # XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my Written instructions.

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 2018-12-06
Company: Financial Accounts Service Team Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a Financial Accts Services reported on my credit file for some place called XXXX  XXXX. It looks like an apartment complex or something. I have never lived there and it has been disputed and still keeps on my file. This is not MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: RoundPoint Mortgage Servicing LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My XX/XX/XXXX XXXX County property taxes have still not been paid. The bill was due XX/XX/XXXX, and now the past due date of XX/XX/2019 is coming soon. I have contacted Roundpoint several times to ask when my property taxes will be paid. They always refer me to the Taxes department, which never responds. 

There is plenty of money in the escrow account to pay the property taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: ZIONS BANCORPORATION
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
charged a pre-payment fee on a lien that was placed on wrong parcel Attached papers of loan, fee and other informationl

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 monetary relief
Consumer complaint received 2023-11-22
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: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE THIS INCORRECT INFORMATION THAT I DON'T WANT, YOU CAN REVIEW AND REMOVE THIS FROM MY REPORT I DON'T WANT IT 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 2018-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
there has been fraudulent charges on my card and I have notified them numerous times and they did not handle the matter. I continued paying and still have paid but they have my balance incorrect and have not removed the charges. they notified last week of fraudulent activity onmy account themselves and I called them back and confirmed that it was not a charge made by me. they advised they would close the account and send me a new card with a new account number, my husband has only received a new card and myself the main account holder has not received the new card. the balance they now transferred to the new card and it should reflect a XXXX  balance with a new account and card and that has not been done after numerous reach out attempts to 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 explanation
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 explanation
Consumer complaint received 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : I am writing to dispute the accuracy of an account on my credit report that is being reported by TransUnion. The account in question is [ account name and number ], which is being reported as collection. I believe this account is inaccurate and request that TransUnion investigate the account to ensure that it is being reported correctly. I also request that TransUnion provide me with validation of the account in question, including but not limited to : * The name and address of the original creditor * The original account number * The date the account was opened and closed, if applicable * The total amount owed on the account * The dates and amounts of all payments made on the account If TransUnion is unable to provide validation of the account, or if the account is found to be inaccurate, I request that TransUnion remove the account from my credit report.

* Enclosed with this letter, please find a copy of my credit report highlighting the account in question.

* Thank you for your attention to this matter. 
* Sincerely, * 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 explanation
Consumer complaint received 2022-01-13
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: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Island Finance Puerto Rico
State: PR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
In the process of filling the online application my internet went of amd I dod not finish the application. Did not accept terms and conditions of the financial instirution amd did not accepted credit indagation. Today I recived the indagation notification. Called to the institution, Islad Finance and the responder dpnt let me explain that i do not finished the aplication and do not accepted the terms to submit the aplicarion and all she sayd was, Call XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This grounds for removal they also violated my rights under 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 : is also states a consumer reporting agency can not furnish an account without my written instructions. 




XXXXXXXX XXXX XXXX  XXXX inquiries XX/XX/XXXXXXXX XXXX XXXX -inquiries XX/XX/XXXXXXXX XXXX- -inquiries XX/XX/XXXX XXXX XXXX- -inquires XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX inquiries XX/XX/XXXX XXXX XXXX XXXX charge off XXXX charge off XXXX XXXX XXXX acc Charge off XX/XX/XXXX XXXX XXXX XXXX XXXX  charge off XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-27
Company: PCR Group
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My Husband and I received a collection letter in the mail stating that we owe a balance, I proceeded to send a validation letter on both of our behalf according to the Fair Debt Collection Practice Act 15 USC 1692g Sec. 809 ( b ) I mention in my letter that this was not a refusal to pay but requesting a validation of the debt. They sent me a letter back stating inaccurate information concerning myself and my husband and then proceeded to add that the account was sent over to the credit bureaus and they couldn't stop it. I'm confused because we never had a chance to resolved the debt after the letter they sent back claiming to have validated the debt. This was the first collection letter we received from this company, and to just abuse our credit is outrageous without even allowing us a chance to resolve this matter. od answer to the so call validation letter that is very inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: EQUIFAX, INC.
State: NV
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 issue is an existing problem which Equifax failed to resolve.. Their investigation did not prove the bankruptcy is mine. They said they have verified it but did not give details on how their investigation went.. The courts don't report public records to credit bureaus..CFPB step up and remove this error Bankruptcy : Discharged CH-XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im begging you please remove this to the credit 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