BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm unsatisfied with your assertions and am disputing them due to the absence of any substantial evidence to substantiate your position... I urge you to contest this account! Otherwise, I will pursue legal action against you ... Let 's be crystal clear here : I am a victim of identity theft, and it's a gut-wrenching situation that nobody should have to go through. But instead of finding help and support from your bureau, I've encountered indifference and disrespect. XXXX  XXXX. Please delete this account ASAP.

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 2023-10-25
Company: Experian Information Solutions Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

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 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX Date XX/XX/2023 In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I never received a 1009-C form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Payments for XXXX XXXX XXXX incorrect account was never late I been disputing with company and put in complaints with them. Now at this point the credit bureaus are still reporting inaccurate. Also this company is violating my privacy rights according to consumer law. 


The dates in question are where all paid but considered late do to there system failing to report the payment as on time. This comply is false reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number ending in 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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To whom it may concern, I am a law abiding citizen who is simply looking to get to the next phase in my life to better me and my family 's financial situation. But I am unable to due to the inaccuracies on my credit report. 

FCRA law 15 U.S.C 1681 protects me from any damages and any inaccurate information on my credit report. I would like to have this situation resolved 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
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have been an authorized user on my XXXX XXXX Account for over one year. This credit line has always been included in my total credit line and has a positive effect on my total credit usage and credit score. 

In XXXX of 2023, I received alerts from XXXX XXXX XXXX XXXX stating that my credit score had decreased by XXXX points and that my credit line had been reduced by XXXX points which caused my credit rating to go from good to fair. 

The XXXX account currently reflects that I am still an authorized user with a credit line of {$19000.00} and a {$0.00} balance. 

I have requested multiple times for XXXX to correct the credit line, total credit usage, and score. They are refusing to do so even after having correctly reflected the account and credit line in the past. 

I am currently seeking to acquire a home. This action has caused distress and reflects negatively.

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 2023-07-14
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX XXXX, Acct No. XXXX, has violated my rights. 

15 U.S. Code 1681 Section 602 A. States I have the right to privacy.

15 U.S. Code 1681 Section 604 A Section 2. States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05
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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXXp Account # XXXX, has violated my rights. 15 U.S.C 1681e Section ( b ). States whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 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 ( ii ) the information is, in fact, inaccurate. As defined by the IRS even if you didnt receive a Form 1099-C you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge off as gross or ordinary income. INCOME does not get reported on the consumer report which means charge off 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 non-monetary relief
Consumer complaint received 2023-11-15
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: Account status incorrect

Complaint:
I noticed on my credit report many accounts and credit inquiries that aren't mine and that i didn't authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-15
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:
Sense my dispute, some one or people got in their feelings and decided to retaliate by making more score go down XXXX points and raise my utilization to 76 % instead of the below 30 %. I really didn't have any faith in the system to do right, to begin with. Its a shame even transunion themselves notice all the issues on my account. They the one who open my dispute on my behalf after looking into my account. Now, the person who handles accounts on the daily says its all wrong, thats employed by the bureau, is good enough for me. XXXX XXXX can see this aint right. Feel free to making up whatever like on the report, truth is I just wanted to leave a paper trail showing everything yall been doing. Main reason I won't be a part of yall RFID chip program. Yall can't get a score right, ill be XXXX if I rely on yall to handle my affairs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit reporting companies are reporting addresses that are wrong that not mines they have some hard inquiries that I never did and the credit reporting company all three have incorrect information about my address and some closed accounts when I look at my credit report they have phone numbers on there that's not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
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: Reporting company used your report improperly

Complaint:
You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. I would like proof of verified account as to signed contract with my signature the orifional, person that was there when i signed it. Transunion updated inaccurate accounts with not verifying under section 609 of FCRA. I reported items Fraud as to data breach with bureaus and other companies selling information. I also have an adult son with the same identical name as mine and can not be sure if he was not the ones opened accounts. It has been over 60 days and I have not been provided proof of validation of any of these accounts. XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXXXXXX Account Number XXXX, XXXXXXXX XXXX  Account Number XXXX, XXXXXXXX XXXX Account Number XXXX, XXXX Account Number XXXX, XXXX XXXX  Account Number XXXX, XXXX Account Number XXXX, XXXXXXXX XXXX  Account Number XXXX XXXX Account Number XXXX, XXXX & XXXX XXXX XXXX account-XXXX XXXXXXXX XXXX account - XXXX 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 2023-11-15
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 look on my credit report and my credit was supposed to be locked but it was not and I have all these inquiries on my credit reports it is XXXX that I never applied for anything

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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This is XXXX XXXX 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 2023-10-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Citizens bank was over charging my escrow for 2 years on 5-6 occasions. After requesting reasons for doing so, the office of the chairman provide not once but twice signed documents that had false information on my loan history. Dozens of attempts were made by a few parties to get it straightened out. The bank could not provide me with a detailed breakdown of all payments taken rightfully and wrongfully. I consulted an attorney and have been waiting for corrected balance and resolution. I stopped paying the bank in order to prevent the bank from stealing more money from me. Now, while this dispute is still unresolved, they are falsely reporting on my credit saying I am in default, when the truth is the payment stopped until they can return all money stolen, provide true history of my loan, detailed payment history and where all funds taken were allotted, and all late fees and compounding interest removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
For the Credit Reporting Agencies continued violation of the FCRA and these specific codes. 15 U.S. Code 1681 ( a ) ( 4 ) ; For the Credit Reporting Agencies continued violation of the FCRA and these specific codes, 15 U.S. Code 1681 ( a ) ( 4 ) ; 15 U.S. Code 1681 ( a ) ( 2 ) ; 15 U.S. Code 1666b.

Legal Demand and Notice as it pertains to the FCRA as a federally protected consumer. For continued failure to act in good faith. As private for-profit companies that collect data on the credit history of people to then sell to the commercial and financial enterprises that extend credit. See 12 U.S. Code 1431 ( a ) I am now opting out ( rescinding ) of any and all Authorization, I the consumer may have given you ; written and unwritten, verbal and nonverbal per Gramm-Leach-Bliley Act of 1999 and 15 U.S. Code 6802.

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 2023-11-07
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
XXXX XXXX in your letter XXXX XXXX dated XX/XX/XXXX referencing community loan servicing XXXX you state you're included an escrow transaction history from XX/XX/XXXX to XX/XX/XXXX when you transferred that loan to a different servicer yet I only have page one of one which covers XX/XX/XXXX through XX/XX/XXXX it appears that you've excluded all of Bayview and all of communities escrow transactions send me a correct correct escrow transaction history from XX/XX/XXXX through to XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/2023 Received an email from : XXXX ( Chase Integrated Payments ) XX/XX/2023, XXXX EST Hi, Our review process is proprietary in nature, so unfortunately there is no information available for me to share. 
XXXX Chase Integrated Payments, Powered by XXXX They are holding my customer 's payment of over $ XXXX and saying they will be released after 120 days. 

I have never had a single charge back or issues in my merchant account. 
And no reason is given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Sentry Recovery and Collections, Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I asked the collections agency who has the debt to provide for me a copy of the lease and the signature on the contract and ID used to get the apartment in my name. In order to verify it wasn't me. They said " the information is not available to forward to me. I needed to contact the apartments. '' When I contacted XXXX XXXX  XXXX XXXX said " XXXX  owns the debt now " They have been handing that debt sense 2020 and I need to speak with them regarding the situations. 

They refuse to provide me with any evidence in the case This fraudulent information needs to be removed off all three of my credit reports 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