BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-11
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: Account status incorrect

Complaint:
On XX/XX/XXXX, I disputed an automobile ( lease car ) XXXX installment account in my XXXX online account that was settled and paid by insurance back in XXXX XXXXXXXX ( someone hit my car and the insurance concluded total lost on that vehicle ), and the insurance of the driver ( who hit my car ) agreed to cover the loss. However, on XX/XX/XXXX, XXXX sent me a message saying they have a result on my dispute and they will update it on XX/XX/XXXX. And then on the very second day ( XX/XX/XXXX ) XXXX immediately decreased my credit scores by XXXX points without any reason ( my scores had always been around XXXX for all these years! ) and since then I saw a late payment error in my XXXX online account ( not in my credit report )! The XXXX account that I disputed was paid and closed as agreed, it was NEVER LATE. So I tried to call the XXXX ( and Transunion ) many times over the last 3 years but the representative were always telling me that credit score is the underwriter 's job and they can not do anything about it because they are just the representative. I checked on my XXXX online account it says I have a serious delinquency ( late payment for over 60+ days ) which is NOT TRUE because I have NEVER had any late payment! I checked my credit reports ( from all 3 credit bureaus there was NO LATE PAYMENT ). This happened to Transunion too because I checked when I logged in into the Transunion online account I saw a late payment error ( over 60+ days late ) that was not supposed to be existed. Same thing Transunion credit report showed no late payment, only in their online account it said late payment. I couldn't dispute the mistake both XXXX and Transunion make on my online account. I tried to dispute the problem but because it was not in my credit reports but it was in my online account, they didn't do anything to fix the problem when every time I called in ( to both XXXX and Transunion ). And because of this, my credit scores went down significantly for the last 3 years and I still can not find anybody from XXXX or Transunion to help me look into that. Please help me I am feeling helpless. This error existed for more than 3 years but BOTH XXXX and Transunion refused to check on their mistakes. They should not decrease my credit scores without properly checking on my account. My credit scores were ALWAYS between XXXX and I have never once forgot to pay my bill! Please let me know if I need to submit my 3 credit bureaus ' credit reports to support my evidence!

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 2022-02-23
Company: Experian Information Solutions Inc.
State: LA
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 submitted dispute to experian to dispute fraudulent accounts that was listed on my credit report, XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX. There results came back that information was verified, i contacted each of the above creditors, how ever neither could verify that i had an account with them so how did experian investigation come back verified.i requested information as to how these accounts were verified cause they because they were not.

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 2022-02-23
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 XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account # 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 explanation
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 
XXXXXXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Here is the list of items that do not belong to me or were opened without my permission.

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 2022-02-23
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: U.S. BANCORP
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:
THE US BANK LINE OF CRED ON MY CREDIT REPORT IS FRAUDULENT AND THIS ACCOUNT WAS OPENED WITHOUT MY KNOWLEDGE. I HAVE CONTACTED NUMBEROUS TIME THE CREDIT DIRECTLY AND ASKED THEM TO LET ME KNOW ON WHAT BASIS THEY HAVE REPORTED THIS ACCOUNT ON MY CREDIT REPORT.THIS ACCOUNT WAS OPENED FRAUDULENTLY, WHICH MEANS SOMEONE STOLE MY INFORMATION AND PRETENDED TO BE ME, I HAVE NO IDEA HOW TO PROOF OF INOCENSE. I KNOW THEY ARE BIG COMPANY AND THEY CAN DO AND SAY WHAT EVER THEY WANT BUT THIS ACCOUNT IS NOT MY 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 2023-02-11
Company: CURO Intermediate Holdings
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently filed a complaint in XXXX of XXXX against Ad Astra Recovery Services, about a collection they were improperly reporting in regards to a debt collected from XXXX XXXX. The complaint number is XXXX. They said they would have the account deleted from credit score and it would take 30 days to have the collection deleted. The report is showing that it is still open on all XXXX major credit agencies. And it has caused me unnecessary pain and suffering. Ive had to pay higher premiums and prices for basic necessities just for me and my child to live a basic life. The debt was only {$100.00} but they keep reporting it as {$240.00}. Also if Im reading the report correctly, they just recently reported this account as still being active in the beginning of XXXX of XXXX. I will also be reporting this complaint to the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: ACIMA CREDIT, LLC
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:
I have an account closed with creditor Acima credit that has been paid on time and satisfactorily, but there is a late payment in the credit report and should not be there since all my payments were made on time. I called Acima to ask to update the records and they respond that since the account is closed they can not correct the report. They suggest calling credit bureaus to solve this situation, that's the reason why I'm asking for the late payment dated XX/XX/2020 to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Bankruptcy XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX Balance : {$120.00} XXXX XXXX Balance : {$0.00} 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 2022-02-23
Company: Statebridge Company
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Due to covid i got behind on my second mortgage, it went into foreclosure because I was denied a mortification. I made an offer to settle the loan and was turned down. Now I've paid the account to get it paid up and try and pay it off quickly, now they have added fees and per diem which I'm not sure what for. They have repeatedly hung up or got " disconnected '', the loan officer was repeated rude and acted like i was bothering hime when ive asked for him to explain where the " fees '' came from, he said that the attorneys will have their own fees too, XXXX?? Can mortgage companies just add whatever fee they want we have to pay? When I've tried to make a payment online their system would not let me, when I called to make a payment they wouldn't take it. I've requested a pay off amount and the loan officer said he couldn't give that to me until they added the fees to it. this loan was for {$15000.00} and I've paid over {$36000.00} not including the {$14000.00} they say I still owe. This loan was made in 2008, when I called to refinance the loan several years ago they told me they don't do those types of loans. The interest rate is 14 % which I've read that in 2008 they consider some of these loans predatory. Now they have reported on my credit and basically destroyed my chance to refinance my primary mortgage. 
I wasn't sure if there is some legal action I could take. 
the company is Statebridge Mortgage out of Colorado

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I'm reaching out to highlight the erroneous personal information linked to my identity. Several accounts and transactions, which I neither initiated nor authorized, have been incorrectly associated with me, leading to considerable distress. I've fallen prey to identity theft and have promptly reported this incident. This situation has adversely affected my financial health and personal reputation. I urge your immediate assistance in removing all incorrect entries from my credit report and launching a comprehensive investigation. I stand ready to furnish any required proof and, if necessary, pursue legal avenues to defend my rights and obtain due compensation. I truly appreciate your swift attention to this pressing issue.

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 2021-05-26
Company: Herbert P. Sears Co., Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have requested validation from this collection company since XXXX of 2020, XXXX and XXXX to no avail. I sent off multiple validation requests certified and have been ignored though they have received numerous letters. They continuously report this invalidated debt to the credit bureaus AND they continue to increase the balance without telling me anything. What I have requested is well within my FCRA rights and they have ignored my request yet continues to report which is against my FCRA rights. I just want this resolved.

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 2023-06-08
Company: Experian Information Solutions 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 information incorrect

Complaint:
i am demanding the following account to be deleted from my consumer report due to inaccurate reporting which has cause damage to my credit score the date opened the date last active does not match and that's a violation of the fair credit reporting act 15 usc 1681s-2 ( a ) ( 1 ) ( A ) ( B )

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 2022-02-23
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/2022 Navy federal : XXXX dollars XXXX XXXX, etc I dont know how much more cards they put in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16
Company: Immediate Credit Recovery
State: MN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Regarding Federal Student Loan. In XX/XX/XXXX, the US Dept of Education told me if I paid {$350.00} per month for 18 straight months, the penalties and some of the interest would be removed from what I owe. I complied with the request and when the 18 months was up, I found there was nothing removed from the interest or penalties. I called them on the phone and they sold the loan said they sold the loan. I called the new loan servicer who stated " That has nothing to do with us. '' I was totally at a road block. Many things happened in my life that have been very hard to take on but then I started a job 13 years ago at XXXX. For the last several years, Immediate Recovery has been garnishing my checks for {$530.00} per month and if there are  three pay periods, {$790.00}. I have been late on mortgage since the garnishment and have contacted ICR several times trying to take it out of default as it still accrues interest all the time. Also they have my tax returns. Out of an {$8000.00} loan, I have paid approximately XXXX and still owe {$30000.00} which will continue to grow.I am not married, am by myself and feel there is no way out of this. They asked if I could pay lump sum of {$26000.00} which I can not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged 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 non-monetary relief
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: AZ
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:
There are numerous inaccuracies and negative items on my credit report that need to be fixed.These items are not reporting correctly according to the law. See letter attached for a detailed explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Barrett Motors, 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:
XX/XX/2022 asked for a signed contract from all parties ( myself, the car dealership, and finance company ) they would not provide that contract to me after numerous calls, emails, and certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I am filing another complaint with Transunion. I ask this company to verify how and who verified a Bankruptcy on my credit report. I need this information and per the FCRA, Transunion by law is required to provide this information. I am not asking for any information from any creditor. I am asking how did Transunion verified such 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 explanation
Consumer complaint received 2023-02-11
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:
This company has clearly violated my hippa rights! 
The criminal penalties for HIPAA violations can be severe. The minimum fine for willful violations of HIPAA Rules is {$50000.00}. The maximum criminal penalty for a HIPAA violation by an individual is {$250000.00}. 

HERE ARE THE HIPAA Violations Impermissible disclosure of protected health information, or PHI.

Unauthorized access of PHI.

Inappropriate disposal of PHI. 
Failure to conduct risk analyses when appropriate. 
Failure to correctly manage risks to the confidentiality, integrity, and availability of patients ' PHI. 

XXXX XXXX Original creditor : XXXX XXXX XXXX Account number XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number 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