BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2022-07-14
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracieson my Credit Reports.

Upon reviewing my credit file, incorrect information was found in myreports. The TransUnion, XXXX and XXXX Credit Bureaus has not complied with theFCRA 605B ( 15 U.S.C. 1681c-2 ), and continued reporting as unverified informationwithout any proof provided, within the time allowed by law, is not authorized. Below are theitems that are reporting on my Credit Reports : XXXX XXXX ; XXXX, XXXX, T ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX A XXXX XXXX AV XXXX, IL XXXX ; XXXX HARMONYHILLS CT XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2016 ; DP OF EDUC XXXX Balance : {$17000.00} XXXX DP OF EDUC XXXX Balance : {$9400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$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 2023-12-21
Company: Slovin & Associates Co., LPA
State: OH
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a letter about a debt for " damages '' from Slovin and Associates I called to inquire and tell them how XXXX XXXX has failed to provide me itemized recipepts of damages and that I believe it to be frivolous and retaliations and would like to see proof before paying and that I have reached out to XXXX and their other collections company consumer collections multiple times over two years and have only been given a lease and still no proof. 
I was told to email this to them They never responded to me and I was then summoned by the court the next week. 
They still haven't responded to me and now we have to have a court date hopefully they will have some proof for that.

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 2022-07-16
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:
How many times do I have to tell the Credit Bureaus that the references for the late payment on these accounta re erroneous and misleading causing negative impact on my Credit File? I previously requested for the investigation and correction of this account and yet the Credit Bureaus have done nothing. Let me remind the Credit reporting Agencies that they are obliged to investigate and update the disputed accounts per consumers requests under the FCRA regulation. Once again, I am requesting that the Credit Bureaus would take their time to THOROUGHLY investigate and CORRECT these erroneous account to report accurate information on my Credit Report : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$210.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance {$300000.00} XXXX XXXX XXXX Balance {$740.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX Opened XXXX. XXXX, XXXX Balance {$98.00} XXXX XXXXXXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00}

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 2022-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I went to make a purchase today I received a text asking if it was me I said yes the card still declined I call them they say it's cause of suspicious activity even after replying to the text saying I was making the purchase. I go through all the charges and verify they are from me they say I can use it. I try to make the purchase again still declined I call back again and was told the system detected fraud and deactivated the card a few days ago. They never called emailed texted nothing just waited until I tried to make a purchase and call them to see what's going on and then tell me it's been deactivated a few days ago. I told them I just talked to someone they said it was good to go now they say nope we have to send you another card even though I confirmed every charge. They don't even know what's going on one says it's able to be used since I verified every purchase and the other saying it's been deactivated for a few days now. They can't even get their stories right. The deal is that if I made this purchase today I would receive a {$600.00} discount I told them that and asked if they were going to credit me {$600.00} since they just screwed me out of that since I'm not able to make the purchase today they just said nope not their problem the system detected fraud so not going to do anything but send you another card. I have auto pay set up on a lot of accounts with a couple coming up in 2 days but the new card won't even get here in time plus now I have to go through and change the card # on all the auto pay accounts set up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: EQUIFAX, INC.
State: WV
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:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2020. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 writing to dispute the unauthorized inquiries on my credit report as listed in the report provided by the credit agency. I believe that these inquiries were made without my consent or valid legal reason, which is causing XXXX and strife in my like and is also a is a violation of the Fair Credit Reporting Act ( FCRA ), specifically under Section 1681b ( f ) of the FCRA. And by right of law, all of the information on my report Must be accurate.

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 2022-07-16
Company: Experian Information Solutions Inc.
State: MA
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 this account ( A ). It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$13.00}

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 explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I received a copy of my credit report and found the following inaccurate item reporting error. Transunion has failed to delete the negatively reported debt from my credit profile. XXXX XXXX XXXX. Account # XXXX, for {$10000.00}, is closed and was settled, and taxes was paid via the attached 1099-C for XXXX. 

I have sent Transunion many letters requesting that they investigate this account, which I believe is reported incorrectly. This is a violation of the Fair Credit Reporting Act. 

Under the provisions of the Fair Credit Reporting Act, I would like to ask that this inaccurate account be removed from my credit report as soon as possible. 

Sincerly, 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 2016-06-03
Company: Northstar Location Services, LLC
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The agency contacts me every other day in regards to my debt. This results in multiple calls a week. The agency always leaves a voicemail. I contacted the agency by phone and told them that I would contact them again once I had taken care of a death in the family, yet they continue to call every day since and it has only been a week and a half and I told them 3 weeks.

Company response to consumer: Closed
Consumer complaint received 2023-06-09
Company: Cascade CISS Holdings, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I have several inquiries from XXXXXXXX XXXX XXXX I didnt authorize. I have one from credit plus I didnt authorize and one from XXXX XXXX XXXX that is unauthorized as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-07-14
Company: Experian Information Solutions 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 sent a letter on XX/XX/XXXX to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again... 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXXXXXX XXXX Balance : {$12000.00} XXXX  XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$0.00}

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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE
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 sent a dispute to transunion going over some personal information that isnt mine they have yet to respond to the matter and removed this information that is not mine.

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 2016-09-27
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
This is my second complaint and my continue issue with Specialized Loan Servicing servicing my loans. I have XXXX portfolio loans that were sold to SLS from XXXX. SLS has been holding my checks and then sending me late fee notices. I have filed a complaint on this with your department previously and I received letters from SLS stating all is fine. Well, in retaliation or what I believe is retaliation of my complaint, they held XXXX of my payments and posted late, however, my clearing bank shows the check was process and paid prior to my late date. SLS then waited several days after cashing my check to post it to my account and mailed me out statements telling me I owe late fees and that I am now behind in my mortgage. As a real estate investor and property owner of many properties and rentals for nearly 40 years, I have never had issues with a lending or servicing institution such as this. I mailed in my XXXX payments on all XXXX of my loans serviced by SLS again SLS has held those checks, cashed them and waited until after the late fee date to apply the payments. My late fee date is XXXX XXXX, my checks were mailed on XXXX XXXX and cleared my bank on XXXX XXXX, yet SLS processed late fee statements to me on XXXX, XXXX, still not posting my payments. I have called SLS and after much, much and more run around on a phone system that does n't work well, I got in-touch with an operator, I was refused when asked to speak to a supervisor and was given a verbal confrontation by the operator about I did n't mail in my checks. What can you do to help me with this alleged fraud at this company?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX ; XXXX XXXX AV XXXX XXXX NJ XXXX ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I signed up for credit monitoring and noticed some unauthorized inquiries on my credit report. Please remove, i did not authorize these inquiries, nor do i have any knowledge of them at all.

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 2023-12-21
Company: NEW YORK COMMUNITY BANCORP INC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Beginning XX/XX/XXXX we began a covid forebearance plan with the mortgage company, Flagstar Bank. 

In XX/XX/XXXX we contacted them to state we were ready to come off of forebearance and begin making our regular monthly payments. We were told the process needed to go through underwriting and to call back in XXXX to check the status. We called XXXX to check the status and were told it was still in underwriting and to call back in XXXX. We called XX/XX/XXXX and were told it was still in underwriting and to call back in XXXX. 

Meanwhile, we continue to receive statements via mail stating our Loss Mitigation Program Status is in active deferral. However we had not received additional paperwork or been instructed that we needed to make a payment to ensure our account was in good standing. 

On XX/XX/XXXX we received a letter in the mail from the mortgage attorney 's office XXXX and XXXX that they had started the foreclosure process. Immediately upon receiving this, my spouse contacted the mortgage company Flagstar Bank to inquire about this issue. Flagstar stated they had sent a form on XXXX to approve the deferral and required a response by XXXX  We did not receive this letter. 

On XX/XX/XXXX after this phone call, we completed a loss mitigation online form. 

On XXXX  I called Flagstar and was told the new loss mitigation initial review was complete and would be further reviewed by underwriting and that while in review foreclosure would be paused. 

On this phone call XXXX I requested a copy of every communication letter that had previously been sent by mail to be resent. I was told that it would take about 7 days for this to be received. Flagstar also claimed during this XX/XX/XXXX phone call that when my spouse called on XXXX XXXX XXXX Flagstar instructed us that deferral was active and to make a payment by phone. This is inaccurate and I requested a review of the call recordings to be completed. I was told that a supervisor would review them and someone would get back 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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 non-monetary relief