BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I 'm still own my home and am current on my payments. I tried to dispute my Mortgage payments for 2015, but all XXXX credit bureaus denied my dispute, because I filed bankruptcy. XXXX XXXX refuses to recognize that my house was not included in the bankruptcy, because I did not REAFFIRM the debt. I RETAINED my house instead. Under Chapter XXXX. See, 15 USC & 1681i of the Fair Credit Reporting Act. I 'm allowed to report my payments once a year to all XXXX Credit Bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have attempted by indentification documents, documents citing the name change by the social security administration, to include the merging, mixing, and citing that there are XXXX such individuals with the same name as I have, citing that in a letter from the social security administration, and instead this corporation instead of accurately investigating the issue, just includes the others name on my credit report, and states that they verified the information, which is factually inaccurate. Experian is the worst, in support of the organizations that pay them, they will just restrict consumers from disputing online, citing they have already investigated a issue, when in fact they have n't, but still get paid to perform the same. In my mailing the dispute, i included IRS forms XXXX, XXXX, Social Security Cards, income verification from the social security adminstration, address verification showing my actual name, and it was ignored for profiteering. 
On my credit report there appears XXXX name identifications which are n't mine, neither as included in my dispute mailing per the social security verification system, does n't verify to my social security number, yet Experian states that such is verified, which is factually inaccurate, and malice in support of financial gain. The names XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX all are someone elses. To wit, XXXX XXXX XXXX XXXX, is my son, XXXX, date of birth XX/XX/XXXX. XXXX XXXX XXXX is my brother, XXXX, XXXX XXXX is XXXX. Experian allows unauthorized inquiries, and items upon the credit report, without verification of even the correct name, it 's profiteering, not investigating motivation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-08
Company: Pacific Union Financial, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 'm 3 mos behind on my mortgage payments with Pacific Union Financial. I have a documented XXXX and so I do miss work occasionally because of the illness. My mortgage company was informed that my delinquency was due to illness. However, I have been told that I need to make a triple payment this month in order to prevent foreclosure, because I 'm in pre-foreclosure. My issue is that I called offering at least one whole payment, and was denied. They told me it is being rejected because I am being required to make a triple payment. Is there any way to disallow these practices? Especially for hardworking people who fall on hard times for one reason or another?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Dear sir/madam, as I was going through my credit report on Experian few months ago, then I noticed a negative report on my credit. The negative report was from a collection agency called XXXX XXXX. any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. I attached a copy of the letter they sent to my home address after my last dispute to the account .I want your office to go through the attached letter. First I have never had any account with XXXX XXXX OR ANY OF IT AFFILIATES. Second, They have to explain which address I was living when I acquired this dept. I believe this could be someone else account who may have same name as mine .I do n't know how they got my social security and my name even my date of birth because I know I have never had any account with XXXX XXXX , XXXX XXXX or any of their affiliates. 
I am requesting that XXXX and XXXX XXXX or any of their affiliates should remove such negative and false statement from my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX This account : 1. Was opened XX/XX/2015 2. Was closed in XX/XX/2015 XXXX. Has an Inaccurate Pay status, it should be Paid/Closed XXXX Balance 4. Is missing its balance history for the duration of the time the account had been open 5. Is missing Payment Data for the duration of the time the account had been open 6. Has erroneous comments added - to this and almost all of my accounts.

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 2016-09-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a credit card account with XXXX XXXX I could not pay in full. I reached an agreement with them last year for a partial payment which was made then they closed my account. However Experian refuses to correctly report this account even though I have notified them of the error three times. They are still listing it as charged off in XXXX, XXXX, not XXXX as should be. Also they have the charge off amount incorrectly stated as {$5500.00}, when it is actually only {$2200.00}. 
I have explained this to Experian in detail with documentation and the settlement agreement. They still refuse to correctly report this 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 2016-08-03
Company: Statebridge Company
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Statebridge Company or one of it 's employees cashed a check for {$3100.00} that was sent to them to be applied to my escrow account. I have called daily since check was mailed to them and have been told they had not received it. The check was issued by XXXX ins and they confirmed today that they check was cashed XX/XX/2016.After speaking with XXXX different representatives and I confronted them with the fact that they had, indeed cashed the check I request to speak with customer service manager and was instead transferred to the insurance department. They have refused to respond to my written request to apply funds to my escrow account as request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Disputed several accounts with credit bureaus over 60 days ago, still have yet to receive XXXX letter from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
The credit Bureaus are giving out wrong information on me and refuse to give me my credit report. I am being discriminated by the credit bureaus and they are giving the XXXX person, who is using my information the correct information, and giving the people that I apply too, the wrong information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On XXXX XXXX I contancted Experian, XXXX and XXXX. to remove comments regarding a dispute. I went on record to remove the comments that I was disputing. Because I was trying to refinance my home the comments where affecting me in obtaining a loan. XXXX and XXXX removed them immediately. Experian said they had to get ahold of the person who I was disputing an ambulance bill that was not mine but my husbands. Experian said I had to wait 30 days. I was very angry but waited the 30 days then they said they could not remove the comments because the collection agency said not to remove them. The comments where that I was disputing this item. the comments came from me. How can a third party tell Experian what to do with comments I generated. till today XXXX XXXX they do not want to remove the comment that says I am disputing that claim.

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 2016-04-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I had an account with Experian that I set up to allow me to have unlimited access to my credit report. It was working well until they increased the minimum monthly charge by approximately double. I contacted them by phone and spoke to an Experian Customer Service representative who researched my account ( by SSN and credit information ). The rep was able to confirm the months that I was charged the higher monthly service charge and when and why the price went up. I explained to the rep that it was my understanding that the rate would n't change and was told that the situation could be rectified. I was immediately credited 2 months of service charges and am still due 5 months of charges. I have since cancelled the service ( over 1 year ago ) and still have not received the refund of approximately 5 months of remaining service charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX ( Credit Agency ) for XXXX XXXX XXXX ( Original Creditor ) removed a debt for {$2200.00} from my credit report on XXXX XXXX, XXXX by XXXX it was back on my reports I hired XXXX to assist in fixing my credit and getting things removed from my credit report on XXXX XXXX, XXXX in agreements with XXXX they removed the debt from my credit report and at some point from then and now it is back on all XXXX of the major credit reporting agencies ( at {$2400.00} & {$2400.00} ) and I was never notified by XXXX, XXXX nor XXXX why or that it had been put back on.

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 2016-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The name XXXX XXXX XXXX XXXX XXXX XXXX XXXX wv XXXX is CORRECT There is another XXXX XXXX XXXX with XXXX West Virginia address on my credit report, I have never lived at this address, there is public record report of the XXXX XXXX XXXX with the XXXX address on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am XXXX not XXXX please fix

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXXXXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX Credit Cards XX/XX/XXXX TransUnion XXXX Miscellaneous Finance XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX Personal Loan Companies XX/XX/XXXX TransUnion XXXX Auto Loans XX/XX/XXXX TransUnion XXXX Miscellaneous Finance XX/XX/XXXX TransUnion XXXX XXXX Commercial Banks XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2023-09-07
Company: Experian Information Solutions 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:
Experian XXXX and XXXX Has violated my consumer rights by reporting accounts related to identity theft 15 U.S. Code 1681i - Procedure in case of disputed accuracy please proceed accurately Victim of identity theft DELETE Fraud FTC Report attached under law 15 USC 1681 Section C ii also 15 U.S code S 1681c 2 the removal of fraud reported by consumer be deleted in 4 days or CFPB VIOLATION occurs. 

all documents attached to proceed with Deletion Police Report, FTC REPORT, XXXX XXXX XXXXXXXX, and dispute letter attached 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 



HERE ARE THE IDENTITY THEFT ACCOUNTS & INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-01-20
Company: Selene Finance LP
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage payments are, and have been, up to date. We have all the documentation to prove this, however, Selene Finance is continually sending us Certified and regular USPS mail stating that we owe for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They did not respond to emails. XX/XX/XXXX we sent a certified letter with our complaint and proof to Selene Finance. Over a week later we finally received a response via email stating that we owe for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in spite of having just provided proof in a certified letter that XX/XX/XXXX - XX/XX/XXXX have been paid. We responded to the email and again have not received a response. Today we are sending yet another certified letter to Selene Finance to provide them with another copy of the same proof that those payments have been made and to correct the error in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed this account particular account more than 10 times with t he credit agencies and the creditor. The creditor has failed to validate the debt yet the credit bureau will not remove it and its damaging my credit file immensely!

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 2015-04-01
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
The Fair Credit Reporting Act entitles each consumer to XXXX free disclosure every XXXX months from each of the major credit reporting agencies, XXXX, Experian and XXXX. In XX/XX/XXXX I requested a copy of my free credit reports from XXXX, Experian and XXXX XXXX. I only received the credit report from XXXX. 
I attempted today, XX/XX/XXXX, to request a credit report from XXXX for my Experian and XXXX XXXX reports and received the message that I 'd already received my free credit report for the year. When contacting XXXX XXXX XXXX and the XXXX ( XXXX ) agencies mentioned above by phone, there are no options to suit my current situation. Thus requiring a letter be sent instead. However, neither XXXX or Experian list an address suitable to my situation leaving me to choose XXXX that may be incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Credit reporting institutions have false information about an account status that was paid off and account closed. When I reported here, the XXXX credit reporting institutions, namely ; Transunion, XXXX contacted the creditor, XXXX. Instead of correcting the account record, on XX/XX/2016, Transuion put my account into delinquency till a Law Firm I engaged complained TransUnion improved the account on XX/XX/2016 but retained the delinquency record on my report in addition to reporting that I still owe XXXX whereas not. All the said XXXX credit reporting institutions still maintain this balance. This has caused me to suffered gross financial and investments loss which instance my Attorneys are handling. I have kindly attached my XXXX account as proof that I owe them no monies as of XX/XX/2016. TransUnion should remove its delinquency report without much ado and all the XXXX credit reporting institutions should make the necessary corrections and indicate that the account was closed on XX/XX/2016 on payment in full of balance then.

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 2023-08-31
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2016-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have ( XXXX ) credit card entries from XXXX XXXX that I have no knowledge of. After applying for an auto loan a few months ago I discovered the inaccurate listings. I disputed them with the credit bureaus and they came back verified. I sent a certified letter to XXXX XXXX requesting an investigation. It has been over 45 days and I have not received anything back from XXXX XXXX. No signed contract, itemization of charges or any relevant or sufficient proof that gives them the right to collect on this debt or damage my credit rating. Under the FCRA and FDCPA this negligence is a clear violation. They being the original creditor have to right to verify anything but to only investigate my claim. Without proper records to indicate these accounts were indeed open by me by law they can not report the info to the credit bureaus. the following accounts are fraudulent. Account # XXXX with a balance of {$690.00} opened XXXX and Account # XXXX with a balance of {$570.00} opened XXXX/XXXX/11.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation