BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am writing to file a formal complaint against [ Credit Reporting Agency Name ] concerning multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically regarding adverse accounts that have been closed, the reporting of late payments, and the reporting of charged-off accounts.

Details of the Complaint : 1. Reporting Adverse Accounts That Have Been Closed : XXXX, XXXX and TransUnion has continued to report adverse accounts on my credit report that have already been closed. This practice is in direct violation of the FCRA, which mandates that adverse accounts that have been closed should not be reported on a consumer 's credit report. This incorrect reporting misrepresents my financial history and negatively impacts my creditworthiness. 
2. Reporting of Late Payments : I have discovered that XXXX, XXXX and TransUnion has reported late payments on my credit report, which is a clear violation of 15 USC 1666B. The FCRA requires credit reporting agencies to ensure the accuracy of the information they report. The reporting of late payments when no such late payments occurred is a significant breach of this requirement. 
3. Reporting of Charged-Off Accounts : XXXX, XXXX and TransUnion has reported charged-off accounts on my credit report. According to the Internal Revenue Service ( IRS ), charged-off accounts are considered income, and they should not be reported as outstanding debts on a consumer 's credit report. This practice misrepresents my financial status and creates an inaccurate reflection of my creditworthiness. 
I have attempted to resolve these issues with XXXX, XXXX and TransUnion directly, but my efforts have been unsuccessful in rectifying these violations. I am turning to the CFPB to seek assistance in resolving these matters and to ensure that my rights as a consumer under the FCRA are protected and upheld. 
I kindly request that the CFPB investigates these violations and takes appropriate action to address and rectify the inaccuracies on my credit report. I also ask that XXXX, XXXX and TransUnion be held accountable for its failure to comply with federal regulations and its impact on my creditworthiness. 
Enclosed with this letter are copies of my credit reports reflecting the inaccurate information, as well as any related documentation that supports my complaint. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving these violations.

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 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
For the past week I have tried to login and dispute items on my credit report, the system states " Were unable to process your request at this time. '' I contacted Transunion and they will not allow me to view my report to dispute items.

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 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have an item listed as " XXXX XXXX '' that has been PAID and needs to be removed from my credit report 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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 explanation
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-12-16
Company: CAVALRY INVESTMENTS, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They have not validated the debt by producing a payment history and original contract of my signature. 

Also have violated FCRA Section 604 Permissible Purpose and FCRA Section 609 Disclosures to consumer Also, it is not Licensed in New Jersey

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: AmerAssist A/R Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My XXXX XXXXXXXX XXXX XXXX sent me for XXXX XXXX XXXX XXXX  to one of their partner offices XXXX XXXX XXXX, I had to pay for many services like exams again. After all I paid {$45.00} for visit, {$610.00} for the job after the insurance covering {$270.00}, - of it. Now after a few weeks I received another letter from their office for {$210.00},- and at the same time I received a letter from the mentioned debt collector Amer Assist for the {$210.00}, - When I called the dental office they just said that they will ask a manager to call me. But that never happened. After contacting my insurance they gave me the numbers they paid to the XXXXl office and it clearly showed that I was over charged. So they also told me that they will send a letter to them to refund me the balance. 
Explaining all this to Amer Assist I was told that if I dont pay it will be reported to the collections. The only chance was to pay them or have the XXXX XXXX  contacting the collections to remove their request. 
First I dont understand how rude can the XXXX office be, by sending the request to me and to the debt collectors at the same. 
Second how come that Amer Assist didnt even take the effort to look at the bill and bring to their attention that their bill was sent to them immediately when it was sent to me at the same time. I didnt get a chance to pay it. Now it is forced this way. 
No problem that {$210.00} will not kill me. But Ill see them at the small claims court. 

Welcome to America, Big eats Small

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
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: Credit inquiries on your report that you don't recognize

Complaint:
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681i -procedure in case of disputed accuracy paragraph 2a prompt notice of dispute to furnish of information paragraph 5a treatment of inaccurate or unverifiable information 15 usc 1681s-2 responsibilities of furnishers of information to consumer reporting agencies paragraph 8e Duty of person after receiving notice of dispute 15 usc 1681b permissible purposes of consumer reports paragraph 2 in accordance with the written instructions of the consumer to whom it relates 15 usc 1681 Congressional findings and statement of purpose paragraph 4 there is a need that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect to consumers right to privacy.

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 2023-06-22
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: 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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXXXXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 more than seven years.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2022-11-25
Company: EQUIFAX, 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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX ) On XXXX XX/XX/XXXX the lender took {$5500.00} from my escrow account and had the description as County Taxes. 

XXXX ) I didn't notice the discrepancy until XX/XX/XXXX when I was checking on my property 's tax balance and found out that the actual tax amount was only {$1000.00} and that it is actually still unpaid. 

XXXX ) I followed up immediately with the lender and after many email and call exchanges, I started getting responses that they confirmed with the county and county confirmed they paid it and it will update in a week or so. 

XXXX ) In a week or so I check and nothing is updated. I call the county and they confirm there has been no communication from my lender regarding my property. 

XXXX ) Realizing that I have consumed all reasonable routes with the lender and that if they do not fix it, the property tax will start accumulating interest and ultimately hurt my credit, I gave the lender a deadline. I gave the lender a final chance to do the right thing and pay the taxes or I will escalate and report them for financial fraud investigations. 

XXXX ) On XX/XX/XXXX the lender paid the due taxes plus the accumulated interest for a total of {$1000.00} which I confirmed on the county records that they received the payment on XX/XX/XXXX. However, the lender still did not refund the {$5500.00} they took from my escrow account on XX/XX/XXXX. 

XXXX ) I gave them sometime to adjust records and such and on XX/XX/XXXX, I following up again confirming that now I see my property taxes have been paid ( and they charged me another withdrawal for it from Escrow ) and asking them to make sure they refund the amount that they mistakenly withdrew earlier on XX/XX/XXXX from my account. 

XXXX ) On XX/XX/XXXX the lender responds to my message saying that my account is now short in the amount of {$5500.00} ( which they have wrongfully withdrawn from my account and do not know where they spent it ), and that I have insufficient funds to male all the necessary payments for property taxes and insurance. 

XXXX ) I followed up again on XX/XX/XXXX explaining the issue and again asking them to take care of it before XX/XX/XXXX or I will have to report them for financial fraud. 

XXXX ) On XXXX XX/XX/XXXX I received a message from the lender apologizing for the inconvenience and asking me to check back again on XX/XX/XXXX. 

Now it is XX/XX/XXXX, and I still have {$5500.00} that the lender took by mistake from my escrow account on XX/XX/XXXX and they are not showing any concern or real steps to refund it to date. 

Your help is highly appreciated,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I closed XXXX XXXX in XXXX of XXXX  and today trans union just dropped my credit score and put the balance back on the account I have provided information from trans union report showing it was closed and paid in full

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 2022-11-25
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: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/2022

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 2022-12-08
Company: PNC Bank N.A.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I contacted PNC Bank numerous times over XXXX XXXX to have my mailing address changed since I have moved and no longer receive loan statements from them. For the last XXXXXXXX XXXX, I have called and spoken to their XXXX XXXX XXXX and they indicate that they have my correct mailing address ; they have no idea why I'm not receiving loan statements, and they have never experienced this problem. I know the statements are being mailed to my old address because the residents there have notified me that they still receive my loan statements. I request that PNC Bank change my mailing address and send me loan statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
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:
I submitted a dispute to Equifax concerning the inaccurate credit limit for my XXXX account with XXXX XXXX. Equifax sent me a copy of the results of my dispute. The credit report sent to me, showed that the wrong credit limit was being reported by XXXX XXXX, or Equifax themselves. I emailed XXXX XXXX several times now with no response. XXXX XXXX has no phone number to call, so I sent XXXX XXXX, and Equifax the documentation proving that my credit limit was raised on XX/XX/2023. I called Equifax, and the agent said that XXXX XXXX submitted a report in response to my dispute, and that XXXX XXXX says that they are reporting the credit limit as accurate, which is untrue. I will be submitting documentation to you proving that the dispute to Equifax yielded inaccurate information. If you look at the " Historical Account Information '' from the report from Equifax, in the second box down for XX/XX/2023 entry it shows the correct amount, and then Equifax changed it back to the old credit limit. No other credit bureau is reporting inaccurate this credit limit wrong, just Equifax, who has a history of providing false information verbally and submitting false credit report information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: LendingPoint Holdings LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed when we went to buy a house and the pre-approval loan was being run, that this loan was attached to my credit report and fraudulently opened. This was in XXXX and XXXX of 2023. I immediately contacted the company via phone and at this point 8 different times via email for documentation purposes. I have only received two responses back from a XXXX, who apparently is a customer service rep. Her only communication has been to ask for my ID and a report whether it be a police report or FTC report - I sent her my ID and also the FTC Identity theft report and letter I had filed. The first communication took over 2 weeks to get. The next took me sending 3 more emails asking for followup and she did not reply with any updates. I have since heard nothing back and can not get anyone to contact me. However, it is stating that the account is not being paid on. I have requested contact again today to rectify this- so that I do not get hit with late payments on my credit report. The name is not accurate. The signature not accurate, the address wrong, and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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'm making this complain because i notice multiple unauthorized inquiries on my transunion credit report. 

Inquiries include : XXXX XXXXXXXX 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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

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 2023-04-15
Company: NAVY FEDERAL CREDIT UNION
State: MS
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 this creditor has violated my rights.

-Under 15 USC 1681 section 602 states I have the right to privacy.

-Under 15 USC 1681 section 604 section 2 states a consumer reporting agency can not furnish an account without my written instructions.

-Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation