BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to temporarily remove the freeze from my Transunion credit bureau almost 6 months ago. I told them in writing that I did not have a pin number and for them to assist in getting either a pin or whatever they needed from me to temporarily remove my freeze. After waiting months instead of getting what I asked for they sent me a credit report om XXXX XXXX I sent a letter to their corporate headquarters and still have not received what I asked for, this is causing financial hardship since I need a loan and a credit card I have had for 8 yrs tried to increase my credit but because of freeze they could not. I made it very clear what I needed and just a blatant disregard of what I needed

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 2023-07-10
Company: Experian Information Solutions Inc.
State: CO
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 received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-04-22
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We got accepted for a grant of {$50000.00}, we also applied to PA housing finance agency for a rescue bridge loan, combined together it will bring the mortgage back on track. Unfortunately we have reached out to our servicing company for months to send a complete breakdown of the total due ( escrow/ insurance payment, breakdown of all legal fees, ) PAFA requested that in a reinstatement letter to move forward with the loan. We have made numerous calls and emails since XXXX and to this date ( XX/XX/2023 ) no response from servicer and their Attorney. I have called and emailed their attorney to no avail!!! Company is giving us the runaround, we explained that we needed that letter to get the loan and the Grant. We also told them that we had to get another hearing because of their negligence we got denied for the loan and lost the {$50000.00} grant that we worked so hard to get. If they wouldve given us that letter with all the breakdowns we couldve been back on tract and moving forward with our lives and our home. Because of their negligence we are about to loose everything. We even had the Atterney that was appointed by PAHF for the disbursement of the grant reached out to the servicer Attorney via email and he as well never received a response back for months now!!!! We did everything right to move forward but now we are about to loose our home because of their negligence. We also questioned the hight amount due ( $ $ $ ) for legal fees that makes no sense to us and the grant attorney. Theres a cap on legal fees, under act 91 and act 6, its extremely concerning that the amount is over {$12000.00}. They still havent responded to our demands, they avoid our request for a breakdown of those legal fees. Please help us get this investigated, this company needs to get Audited. We did everything to resolve this issue and are getting ignored. I have full proof of their negligence. They will make us loose our home. If you need proof I can email all communications from myself, the grant Attorney XXXX XXXX ( XXXX ) and XXXX XXXX ( PAFA ). Please feel free to reach out to me, this is time sensitive. My husband is a XXXX Veteran & served his country with pride, now we ask that his Country will help him back in return. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: HI
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:
You are reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payment or payments being made late that are not proven and are incorrect. To whom it may concern my name is XXXX XXXX XXXX I was a victim of the ravages of XXXX.I was hospitalized for an extended amount of time, while I was hospitalized with XXXX, an agreement was made with the XXXXXXXX XXXX under the Cares Act, therefore the account was never late.Please remove all late payments from this account, and please also send me out a corrected copy of my credit report to the address listed below

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: WELLS FARGO & COMPANY
State: NY
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:
Last year I had a joint account in Wells Fargo with XXXX XXXX. The balance was always paid some months overpaid. One of the months the payment was applied not to our joint account but one of her other accounts by an employees mistake. Upon notice that it was due still I paid the account in full, thus having no late payments of having to deal with that mistake again. This was paid for in full in XXXX. However XXXX has it marked as having a late payment for XXXX even though this payment was processed in XXXX. Being as this is the only late payment on my entire credit report and it had nothing to do with my inability to pay it but instead a employees mistake I would like this removed from my credit report. When I spoke to an employee last they said it wouldn't matter or affect anything that it was 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 non-monetary relief
Consumer complaint received 2023-04-22
Company: Experian Information Solutions Inc.
State: ME
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by the federal law to verify - through physical verification of the original accounting records and signed consumer contract any and all accounts you post someone's credit report. Otherwise, anyone paying for your reporting services could fax, mail or email you fraudulent account information.

Therefore, I'm demanding to receive verifiable proof of the ( original accounting records & signed contract ) for the files of the accounts listed below. Your failure to positively verify the accounts has hurt my ability to obtain credit cards, a property rental, car loans, home loans, pass employment credit checks, utilities, etc. along with getting other basic livelihood necessities.

Under the FCRA, unverified accounts that are not 100 % accurate must be deleted and removed.

Also, these negative accounts below may either be inaccurate, old, inaccurate data between bureaus, not updated, paid in full, paid, closed, paid out by insurance, double dipping collectors, charged off/written off taxes, settled, inaccurate addresses, {$0.00} collections open balances, permanent disabilities act discharge, identity theft, for profit school fraud loan discharge, fraudulent submissions by loan or collection companies, inaccurate phone numbers, inaccurate name spellings, etc.

Under the FCRA, unverified, fraudulent, invalid accounts must be removed and deleted. If you are unable to provide me with a copy of the verifiable and validated proof that you have on file within a 30-day calendar days from receiving this notice for the account listed then you must remove and delete the account from ( XXXX XXXX, XXXX XXXX ACCOUNT ( XXXX ) credit reports. I demand the following negative accounts be verified or permanently deleted immediately. The law is very clear on the available remedy to me for violating Section. 617. Civil liability for negligent noncompliance, if you fail to comply with federal law.

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 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Not my information reporting

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 2023-04-22
Company: EQUIFAX, INC.
State: MS
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Validation of Debt Request for Account XXXX XXXX Dear Sir/Madam : I am writing to request that you provide me with validation of the debt that you have reported on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g, I am entitled to receive verification of the debt that you claim I owe.

I do not recognize this account that you have reported on my credit report. I do not recognize the account number, account balance, nor do I have any recollection of this alleged debt. Therefore, I am requesting that you provide me with the following information : The name and address of the original creditor ; The original account number ; The amount of the debt that you claim I owe ; Verification that you are licensed to collect debts in my state ; Verification that the statute of limitations has not expired on this debt ; Documentation showing that I agreed to pay this debt.

Original purchase agreement or contract from original owner of this debt ; Arbitration agreement if applicable from original creditor showing proof of refusal thereof Please note that until you provide me with this information, I dispute the validity of this debt and request that you cease all collection activity. Additionally, you are to remove any negative reporting regarding this alleged debt from all consumer reporting agencies including any third party consumer reporting agencies until such time as you have provided me with the requested information.

THIS DOES NOT MEET THE ( FCRA ) Thank you for your cooperation in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Experian Information Solutions 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:
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 account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance {$37000.00}

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 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XXXX XXXX I submitted a dispute with Transunion, XXXX, and XXXX stating that my address, and phone number were incorrect and needed to be updated. with my dispute I attached my driver 's license, XXXX phone bill, and social security card. I requested all 3 credit bureaus update my information. on XXXX XXXX and XX/XX/2023 I received notice via my Transunion portal that the information was accurate and verified. Transunion, XXXX, and XXXX violated my consumer rights. they did not provide valid information that they conducted a reasonable investigation or show how my information is accurate. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S. Code 1681i - Procedure in case of disputed accuracy a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-04-22
Company: Experian Information Solutions Inc.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I noticed inquiries on my credit report that i did not authorized. I tried to dispute with experian and they refuse to investigate. The creditor posting enquiry on my credit report has a phone number that does not exist and when i sent a certified letter it came back as undeliverable. The company 's names are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Information posted on my credit report is outdated and not verifiable.

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is XXXX XXXX please 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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, 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 found hard inquiries on my report that definitely don't belong 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 non-monetary relief
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 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 public record 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 U.S. Bankruptcy Court XXXX XXXX bankruptcydismissed Reference XXXX XXXX XXXXXXXX U.S. Bankruptcy Court XXXX XXXXXXXX bankruptcydischarged Reference XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22
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:
Dear Experian I am writing to formally request that you remove all inquiries made on my credit report related to my account with your company. As per the provisions of the Fair Credit Reporting Act ( FCRA ), I am entitled to request that all inquiries be removed if they were made without a permissible purpose or if they were not authorized by me. 

Upon reviewing my credit report, I noticed that your company has made inquiries, which have negatively affected my credit score and creditworthiness. These inquiries were made without my consent and without a permissible purpose as outlined by the FCRA. Furthermore, they are not in compliance with the Metro 2 credit reporting guidelines. 

As such, I demand that all inquiries made by your company be removed from my credit report immediately. Failure to comply with this request within 30 days will result in legal action being taken against your company for violating the FCRA and other applicable laws. 

Please confirm in writing that all inquiries have been removed from my credit report and provide me with a copy of my updated credit report. I look forward to receiving your prompt response and resolution 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 non-monetary relief
Consumer complaint received 2023-07-10
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 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 XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX 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 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 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 explanation
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have been a victim of the XXXX data breach and I also have inaccurate items listed on my credit reports. My reports are required to be 100 % accurate, but they are not and this is hurting my reputation with the banking system. I am looking to get a mortgage and this is hurting my chances because I have inaccurate and incorrect items on my credit report as well as unauthorized inquiries on my report. I need this removed immediately. I sent Transunion, XXXX, and XXXX letters more than 30 days ago and they disregarded my disputes. I demand you remove the disputed items immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief