BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Today was my last phone call attempt to resolve this with TransUnion before filing complaint. Once again, I was lied to with FCRA guidelines blatantly being disregarded and ignored. 
For the past twelve months I have tried and been unsuccessful in attempting to have TransUnion comply with FCRA guidelines, section 609. I have sent letters and faxes that have gone unanswered and have been ignored. When I call I am fraudulently told that Inquiries can not be disputed and that they are factual. Per FCRA 609 this is a lie. I am also told to file FTC report and only then will the inquiries be removed. I have filed FTC report and mailed to TransUnion via certified mail. TransUnion has placed fraud alert on my report but has refused to remove the inquiries and claim they have not received FTC report despite them being mailed certified mail. 
There are inquiries on my report that do not belong to me. Per FCRA guidelines section 609, if an inquiry doesn't belong to the consumer and there is no permissable purpose with no signed authorization by the consumer then the Credit Bureaus must remove the inquiry. TransUnion blatantly ignores the FCRA guidelines and is blatantly violating FCRA and my consumer rights. Furthermore, I have contacted the businesses in question ; I am told they were never contacted by TransUnion, I am told they can't find an application or authorized signature from me and they tell me to contact TransUnion. Then TransUnion gives me complete runaround. For TransUnion to lie and say inquiries can not be disputed, to claim they have not received FTC report but to place fraud alert on my report is blatant indication that they have no regard for the law or consumer rights. Per FCRA, I am allowed to sue for monetary compensation should I pursue legal action. I demand that TransUnion comply and remove the unauthorized and inaccurate inquiries 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 explanation
Consumer complaint received 2020-04-23
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received an alert from XXXX  XXXX XXXX about a new collection account added to my credit file. Right away I contacted the listed collection agency on my credit file. I spoke to an agent who claimed that I got the wrong department and he transferred me Mr XXXX XXXX. I asked Mr XXXX to spell his name for me, he refused and hanged up the phone on me. I called back and informed him that I was going to report this to the office of the AG of Texas, he claimed he was going to transfer me to a manager and dropped the call. 
Based on my credit file the account number is listed as XXXX. Back in XX/XX/XXXX I filled a case with the CFPB, complaint ID XXXX, and the complaint was resolved and the account deleted from my credit file as stipulated on CFPB complaint ID XXXX. Today, on XX/XX/XXXX, almost 3 years later Midwestern Recovery System is illegally and maliciously reporting this same account on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Nelnet, Inc.
State: NC
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, h

as violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After reviewing the credit report from Experian noticed XXXX continues to furnish late payments in formats that are incorrect. The account is the same with different amounts. The University of XXXX was involved with litigations for charging amounts against federal guidelines of student loans. With the number of inaccuracies, credit and creditworthiness are compromised.

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 2022-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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 Bank of America XXXX XXXX has violated my rights 15 USC 1681 Section 602 states that I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose

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 2017-09-26
Company: Partners for Payment Relief
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Partners for Payment Relief purchased our second mortgage while we were paying a " modified '' payment to our lender, XXXX then later sold to XXXX. I went to pay both my first and second one day over the phone and they told me " we cant accept your payment on the second loan any longer, it has been written off, but we can still accept your payment on your first loan ''. We assumed we finally got the modification we had been applying for of principle reduction. A year later, in XXXX we got a letter from Partners for Payment Relief stating we owed them {$18000.00} and demanding a lump sum. We called the number and the guy that answered was rude and would n't accept any " modified '' payment. He wanted to full amount. So we decided to short sale our home since we could n't come up with the amount he wanted from us. After having our house for sale for a year, and two buyers going through the process of offers and waiting we finally were going to close in XXXX of XXXX, the title company called our agent and told us Partners for Payment Relief had already foreclosed on our house the year prior, and waited 12 months to record it, so it did n't show up earlier. Since Partners for Payment Relief did not do the notifications and everything correctly, that act flawed our title and we were not able to reconvey title to anyone. Shortly after we received notice from our first mortgage, now through XXXX that if we continue to pay, everything will work out. So we continued to pay. We have had several attorneys tell us this is a huge fight in front of us to win, and we should just cut our losses. It just seems wrong that someone can remove you from your title, without you even knowing, All along we 've been paying the taxes, and all of that through our escrow, with no notice at all. On top of that, they applied a new lien to the property of {$75000.00} to cover their legal expense. It 's crazy. XXXX also has been collecting our mortgage payments and escrow payments all along, knowing we did not own the property any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
XXXX XXXX XXXXXXXX BK Docket # : XXXX File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : CHAPTER XXXX BANKRUPTCY DISCHARGED I spoke with several county administrators at the Federal court house and they do not verify information filed in their court system via emial, mail, phone or in person without id.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: NV
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:
Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2022-04-29
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Citi took it upon themselves to lower my credit limit violating 12 CFR 1026.13 ( d ). I mailed Notices and Opportunity to Cure to inform them of the billing error yet they willfully and negligently continued to deny me.

According to 15 USC 1637 it is an open end credit plan and I DEMAND it to be reverted back to that.

They failed to send my dividends from the account and emailed me " bills '' which is mail fraud. I DEMAND they reimburse my credits per 15 USC 1666d ( a-c ) and leave my account open-ended as lawfully intended.

Also, per 15 USC 1666 ( e ) they forfeit any payments and collections.

Therefore, I DEMAND they send my dividends in the form of a check made out 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 2017-09-26
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: Public record information inaccurate

Complaint:
XXXX XXXX XXXX BK Docket # : XXXX File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : CHAPTER XXXX BANKRUPTCY DISCHARGED I spoke with several county administrators at the Federal court house and they do not verify information filed in their court system via emial, mail, phone or in person without id.

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 2022-04-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was a victim of the XXXX data breach in XXXX ( see attached documents ). I, at that time, decided to receive credit monitoring services for free per the eventual settlement of the lawsuit. I did not sign up with it because I actually did not see the email in XX/XX/XXXX they sent about it with instructions how to sign up until today while gathering my documentation. The credit monitoring was to be for all three credit bureaus and through experian. This is the only connection I have found between the emails I have received the last 2 days asking to update my XXXX credit card information as the company is apparently trying to charge me for these services?? I called them right after receiving the first email asking for payment ( attached ) asking what they were trying to charge me for, and how they got my card information. After a circus on the phone, I got no answers. The girl had no idea why they were attempting to charge me, what a XXXX was, repeatedly talking in circles while I am eventually pleading with her to just close whatever service she stated I was enrolled in. Two hours later, I believed it was over since after I finally got off of the phone after all that time, I received another email stating all of the services I'll be missing out on after cancelation. 
Today, another email requesting payment. 
I am contacting other consumer legal organizations about this as well considering how inept this company has shown itself to be due to the prior breach and the time involved still dealing with their carelessness. I demand to know how they acquired my payment card information. I asked repeatedly on the phone, and after not getting any reply, the cs agent actually wanted me to give her my full credit card number. Over the phone. After already giving her my full social security number, full name, and address. I am unsure of the legalities of this, but will find out. I would have been a fool to give any more information to Experian. She insisted she needed it to " look in the system '' and find why my card number was in there. This needs to be addressed along with why Experian was attempting ( and apparently still is ) to charge me for services they agreed to due to the data breach settlement.

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 2022-04-29
Company: Uplift, 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 information incorrect

Complaint:
Uplift and XXXX posted incorrect information about the status of my account. My most recent credit report Dated XX/XX/2022 shows that the last time this company updated my payment history was in XX/XX/2022. This account is paid in full, but your reporting doesn't reflect this accurate information. 

Inaccurate payment history information like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. 
I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have filed two previous complaints against this company. The first in XX/XX/2021, the second in XX/XX/2021. They have ignored my initial complaint and although they have responded to my second complaint and found the investigation in my favor. They have refused to give me the XXXX that is owed to me. On XX/XX/2021 I was sent 2 letters stating that I would receive 2 separate checks, 1 for XXXX, 1 for XXXX. I received a check for XXXX on XX/XX/2021, but as of today XX/XX/2021 I still have yet to receive the second check for XXXX. After going to a branch and speaking with a manager, the claims department admits that the second check for XXXX was not issued and that they would not be issuing it for up to 60 days. Not only has this bank inconvenienced me and illegally mishandled my credit file they are flat out complicit in theft of consumers funds.

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 2020-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am in receipt of a current credit report of which questionably suggests that I now or in past have owed you something, yet there is nothing that substantiates your reporting or claim thereof so I demand that you dismiss all claims and eradicate any injurious reporting ( s ) versus me, particularly if currently reported item ( s ) are potentially deficient of the mandatory document evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility else wise of the reporting, and or the complete and perfect certified Metro 2 format reporting standard ( s ). I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer much less me! Particularly removed is your right to act in dereliction as you hold me under threat of financial and or creditworthiness injury ( ies ). I here now DEMAND that if you are unwilling or unable to do as requested, as demanded, and as otherwise mandatory to retain or regain compliance of reporting no later than 20 days from your receipt of this lawful notice of consumer complaint that you immediately and forevermore thereafter cease any and all derogatory and or injurious actions versus me, to include but not limited to the foul actions to report and or collect unverified, untrue, invalid, or else wise not certifiably compliant claim ( s ) and or debt ( s ). Let it be in clarity that I am well aware of the FACT that absent legal authority or a written agreement between us that you can not force me to conduct any business interaction ( s ) with you and I will NOT! Certainly if you elect still to injure me, even to the slightest, it undoubtedly would be a show of merciless harassment or even willful extortion, a CRIMINAL OFFENSE in my state of residence! Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as alleged on my current consumer credit profile history by eradication and or removal from reporting the delinquently reported item ( s )

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 2021-12-06
Company: Experian Information Solutions Inc.
State: NY
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 recieved XXXX letters about closing the accounts. 
This is my 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 explanation
Consumer complaint received 2020-06-22
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just  remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed 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 2023-03-27
Company: EQUIFAX, INC.
State: IL
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:
THERE ARE UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT. THEY ARE LISTED BELOW. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
An account with XXXX XXXX showed up on my credit report for an account with XXXX XXXX XXXX I sent a letter via mail on XX/XX/2021. I have made 4 attempts since and I have not received a response. They have not been able to verify, validate or send any information regarding this account and it is still showing on my credit file.

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