BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX with XXXX 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 2020-03-03
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My social security was stolen to open a fraudulent account in my name without my permission. I filed a Identity theft report and contacted XXXX XXXX XXXX and the credit bureaus. The account was removed from the credit report and the company XXXX XXXX XXXX sold the account to LVNV Funding. I have contact both parties to remove the fraudulent account from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I had to file bankruptcy in XX/XX/XXXX  2020 due to income reduction. There were several credit card accounts that I had paid the balances in full prior to the filing. Some of these accounts were closed by the Grantors due to inactivity by me not using them. Others were closed by the Grantors based solely on the bankruptcy filing. My issue is ALL of these accounts are reflecting " Account Included in Bankruptcy '' when there was no balance owed on the disputed accounts. I addressed this fact with the Credit Reporting Agency in my dispute filings. My credit report on all but one of the accounts in question doesn't even reflect my payment history on them. There is no mention that the accounts were paid off ; only that they are in bankruptcy. It's not right that these accounts are noted with negative remarks when the accounts were closed by Grantors when they were in good standing. I feel the remarks referencing " bankruptcy '' should be removed on these accounts and the accounts be moved to the Satisfactory Accounts list in my report. I had added a Consumer Statement to my Credit Report stating the fact that these accounts were paid off. But, since it isn't seen until the very end of the Credit Report a Creditor would have to scan down through several pages of " Inquiries '' to even know it exists! No one is going to see this statement.

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 2022-02-08
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: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, Experian XXXX  XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 38 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2019-07-31
Company: Experian Information Solutions Inc.
State: SC
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:
My personal credit report was compromised .. I did not allow any of these companies to check my credit report. Inquiry done is illegal and must be removed from my credit file. Given the growing cases of identity theft, I'm sure you'll agree with me that if failure to verify such inquiry needs to be stopped. Please remove 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 2021-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 my credit file with Transunion, XXXX and XXXX to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint. The inaccurate accounts has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, duplicate collection accounts, Re-Aged accounts. 

Moreover the open accounts Payment data history does not coincide on any accounts, Revolving accounts creditor remarks reports amount in H/C column is credit limit. Revolving account high balance does not coincide, XXXX reports {$0.00} HighBalance on all my revolving accounts. TransUnion Last payment does not coincide with TransUnion payment data history, XXXX does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-14
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
CITIBANK LOCKED MY CHECKING ACCOUNT ON OR AROUND XX/XX/23 AS A RESULT OF POTENTIAL FRAUD OR A SECURITY ISSUE. I SPOKE TO A REP ON SATURDAY WHO TOLD ME I HAD TO CALL BACK ON XX/XX/23 WHEN THE DEPARTMENT THAT HANDLES IT IS BACK. I DID MAKE NUMEROUS CALLS TO CITIBANK ON XX/XX/23 AND THE REPS THAT I SPOKE TO COULD NOT TELL ME WHO PUT THE BLOCK ON THE ACCOUNT AND WHY. THEY REACHED OUT TO THE FRAUD/SECURITY DEPARTMENTS WHO TOLD THEM THAT I NEEDED TO VISIT THE NEAREST BRANCH, PROBLEM IS THERE ARE NO BRANCHES IN MY STATE OF ARIZONA AND THE NEAREST IS ABOUT XXXX MILES AWAY IN CALIFORNIA. I THEN CALLED AGAIN AND SPOKE TO A WOMAN NAMED XXXX WHO ALSO REACHED OUT AND HAD NO IDEA AS TO WHAT WAS GOING ON. SHE TOLD ME I WOULD GET AN EMAIL WITHIN 1 TO 3 BUSINESS DAYS AND FILED A COMPLAINT # XXXX. IN THE MEAN TIME I CAN NOT USE MY DEBIT CARD MAKE ANY WITHDRAWALS OR PAY ANY BILLS THROUGH THE ACCOUNT SINCE IT IS NOW BLOCKED. PLEASE PROVIDE A REMEDY FOR THIS ISSUE IF AT ALL POSSIBLE.

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: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
2008 my husband past away and they were doing a hardship and out of nowhere some guy was taking pictures of my house and told me he had just purchased it I was devistated and move out well years later after talkin with XXXX XXXX she told me to contact XXXX XXXX and after researching I found out that Wells Fargo bought them out in 2008 along with another lending company XXXX XXXX how do I get in on the lawsuit for XXXX billon my son was so affected by this move and memories of his father XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I will never understand why they sold without any notice it was a big hardship

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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 2022-02-27
Company: RentDebt Automated Collections, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Re : Collection agency Rent Debt Collections Contact XXXX XXXX XXXX XXXX, TNXXXX XXXX XXXX ) XXXX The aforementioned collection agency harassment with malicious intent. FDCPA Violation I am being targeted by this collection agency because of my profession and the assumption of a high income. They are reporting {$2900.00} dollars to my credit bureaus as a deliberate action with malicious intent. I only noticed collection account when I checked my credit report. Up to this day XX/XX/2022 I have NEVER received any official/written communication from this agency. I am requesting proof of written communication. No random letters without proof of receipt. By law I should have been given 30 days to provide documents to dispute before this was reported to my file. In addition, I have requested proof of debt, proof of the amount this debt was purchased from the original. 
This collection agency maliciously/purposely DID not send me a notice of collection ; collection agencies are required to mail a written notice aka. validation notice. ANY NOTICE SENT NOW, AFTER I HAVE BROUGHT THIS TO THEIR ATTENTION THROUGH A COMPLAINT is laughable. It should have been done in a timely manner. They illegally have reported this account to my credit file, multiple level of violations. IF THEY CLAIM THEY HAVE MAILED ME ANYTHING, I AM REQUESTING PROOF THAT I RECEIVED ANYTHING! SENDING LETTERS TO RANDOM ADDERESSES DOES NOT COUNT. A backdated letter which is often created as a tactic by collection agencies should be evident. Anyone can create a letter and backdate it to even the earlyXXXX 's, However they must prove the letter left their office and was received by the consumer. A simple tracking number would be fine or proof of certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of 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 explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX  Balance Owed : {$4000.00} ; XXXX XXXX  Balance Owed : {$1800.00} ; XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX Balance Owed : {$3300.00} ; XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXX Balance Owed : {$1700.00} ; XXXX XXXX Balance Owed : {$3300.00} ; XXXX XXXX  Balance Owed : {$2500.00} ; XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX  Balance Owed : {$2500.00} ; XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX  Balance Owed : {$4200.00} ; XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX  Balance Owed : {$4200.00} ; XXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX Balance Owed : {$3300.00} ; XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX Balance Owed : {$4200.00}.

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 non-monetary relief
Consumer complaint received 2023-04-25
Company: EQUIFAX, 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:
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 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 Balance : {$9700.00} XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXX Balance : {$570.00} XXXX XXXX Balance : {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting 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:
Original Creditor XXXX XXXX reporting old private student loan information to the three major bureaus : Transunion, XXXX, and XXXX. Being contacted by a scam collection company known as XXXX XXXX XXXX ( who has been fined XXXX XXXX $ in 2017 for deceptive practices and also by the State of New York Attorney General ). 

Original Creditor : XXXX XXXX XXXX : XXXX XXXX XXXX 4 credit entries from XXXX XXXX and XXXX. Last payment recorded was XX/XX/2017. Yet, no payment has ever been made. 

Between XXXX XXXX and XXXX XXXX, they have both given the credit bureaus false and misleading information, including falsified dates to ensure the account is reaged. 

Ive not personally contacted 3rd party XXXX due to their many complaints, lawsuits against them, and CFPB fines. It would be useless to speak to an entity that is known for illegal activity. 

All 3 bureaus state they are investigating this and will take 30 days to complete their work. Yet, they allowed this erroneous and incomplete information to be put on my credit reports which has resulted in negative results to credit score. They are at-fault, just as both XXXX XXXX and its 3rd party collection agency. 

Im not a victim of identity theft, but I am a victims of fraudulent practices of the creditors, collectors, and the 3 major reporting agencies. 

I understand there is a process for disputing entries, but this is something that needs to be addressed immediately because of the fraudulent activity being committed against 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 non-monetary relief
Consumer complaint received 2023-10-22
Company: SANTANDER HOLDINGS USA, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX with account # XXXX opened on XX/XX/XXXX 1681 ( b ) and a balance {$11000.00}. This account was charged off and no longer owe money to this creditor but it's still showing a balance due. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX 1681 ( b ) and a balance of {$2000.00}. This account was off and no longer owe money to this creditor but it's still showing a balance due. 

XXXX XXXX XXXX with account # XXXX opened on XXXX and a balance of {$6200.00}. This account was charged off and no longer owe money to this creditor but it's still showing a balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: SLM CORPORATION
State: DE
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 received a Hard Inquiry in the XXXX Credit Report for Sallie Mae Bank on XX/XX/2023. I have contacted Credit Card/Credit/Loan/Bank Customer Care and they don't have any application open with my information. I have also tried to contact XXXX Customer Care and they can't help since it's a hard inquiry. 

The following address of the Institution involved was mentioned in the Credit Report : - SALLIE MAE BANK XXXX XXXX XXXX XXXX, DE XXXX ( XXXX XXXX )

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below. 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