BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
ALL of these regular inquiries need to be removed from my TransUnion credit report as I am a victim of identity theft and fraud. Please remove these inquiries from my TransUnion credit report listed below Regular Inquiries More Info + Name XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2023, XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2023, XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX Location XXXX XXXX XXXX XXXX XXXX, TX XXXX Requested On XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX Location XXXX XXXX  XXXX XXXX, VA XXXX Requested On XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX  Location XXXX XXXX XXXX XXXX XXXX, MN XXXX Requested On XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Requested On XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual

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 2022-06-08
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Equifax on XX/XX/22 to file a official dispute over the phone. I previously filed a dispute over the phone with Equifax on XX/XX/22 and had no issues and the dispute was resolved. When I spoke with XXXX on XX/XX/22 from Equifax she would not officially submit my dispute. I was informed that I must submit documentation on my identity. I feel this is biased towards me as Equifax already has my personal information on file and this is proved by the dispute filed on XX/XX/22. I feel Equifax is not following the Fair Credit Reporting Act by taking my official dispute over the phone on XX/XX/22. I did send in the requested information on XX/XX/22 and expect Equifax to remove the XXXX disputed items as stated in my letter to them dated XX/XX/22. I would like Equifax to be investigated on the practices of consistency in not being biased as to what information or items to investigate to delete from consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX Currently have Fraudulent Inquiries in Accounts appearing 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 2022-08-23
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: Account information incorrect

Complaint:
XXXX continues to show that I have a balance of over {$18000.00} on a XXXX XXXX Credit  card. This card has been paid off for a few weeks now, yet continues to show on my report. Please remove and update so my credit score can be updated please.

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 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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, MD XXXX Date : XX/XX/2022 Dear XXXX XXXX XXXX l, First Name & Last Name, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. Account Name : XXXX XXXXXXXX Account Number : XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation XXXX. Account Name : XXXX XXXX  Auto Account Number : XXXX XXXX XXXX XXXX 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation 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 explanation
Consumer complaint received 2023-08-24
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: 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. 15 USC 1681 section 604a section 2, its also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 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 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 2022-06-08
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-09-25
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
HAVE SENT SAME PAPERWORK FOR " MY INCOME ONLY '' ONLY ONE ON LOAN TYPED UP A LETTER OF EXPLANATION!!!!!!!!!!!!!!!!! SEE XXXX FILE JOINTLY WITH MY SPOUSE AND EXPLAINED IT MY " INCOME ONLY ON APPLICATION '' HAVE SENT SEE XXXX SENT SINCE XXXX!!!!!!!!!!!!!!!!!! WHY CAN NOT ANYONE READ IT! DONT NEED TO SEND HER 1099 INFO BUT DID SHE IS NOT ON LOAN!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
My complaint involves the XXXX credit reporting agency they are reporting old or outdated info which affects my XXXX XXXX and gets me denied for most if not all loans that I apply for I have disputed these inaccuracies on their websites over the past several months but to no avail have anything changed.. 
The info they're reporting either list wrong addresses or reporting how long that the accounts have been opened once a new debt agency buys the debt they report it as a new account most of this debt is less than 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 2022-07-02
Company: EQUIFAX, INC.
State: NJ
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:
Fraudulent opening of credit card by identity theft. Stolen ss #. Reported to Washington XXXX police. XXXX XXXX nj. 
XXXX denied fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Note there XXXX complaints files here they told me to show them errors I feel in retaliation and not fix their errors they sell my mortgage ; My payment was XXXX. No escrow was never late, ask for a short time : On XX/XX/XXXX We sign a modification base on the information from Bank of America that was provided ; Information dated XX/XX/XXXX to XX/XX/XXXX escrow demand XXXX, payment would be XXXX : plus the add 14 years : upset, Bank America made this call. 
all trial payments were made on time ; Modification was delayed but updated from XXXX to XX/XX/XXXX ; on XX/XX/XXXX Mis post of XXXX applied to the principal. Principal adjusts to XXXX ; ( XXXX ) XX/XX/XXXX wave the late fee. were adjusted ; the amount of XXXX and arrearages was not applied : also Bank of America part of the modification was supposed to pay an amount to escrow they did not, As I review we were manipulated by the demand of XXXX escrow when they only need XXXX. They add 14 years based on their figures : Date XX/XX/XXXX : We sign a modification base on the information BOA provided; We made our first payment on XX/XX/XXXX in amounts of XXXX and XXXX and it took XXXX weeks for Bank of America to credit my acct : XX/XX/XXXX as of XX/XX/XXXX sum of XXXX were unapplied total ; I paid all the amount there were due to all statements XX/XX/XXXX to XX/XX/XXXX that were sent paid. I was told all unapplied would make full payments On XX/XX/XXXX they fail to apply all payments to what was due ; applied money for the Deferred Principal balance of XXXX that was not due on XXXX/XXXX then demand escrow amount from XXXX to XXXX ; on Modification estimated of XXXX the fact is they increase my escrow to collect XXXX in less than 8 months, and they have failed to subtract it from the deferred principal balance as they promise as of XX/XX/XXXX on XXXX for XXXX, it should have been only XXXX ( Letter dated XX/XX/XXXX they add XXXX to my loan ; On XX/XX/XXXX I paid the XXXX ; XXXX states XXXX, not XXXX. 
I did not fail on payments Bank of America fail on applying on XX/XX/XXXX bank of America sent a letter stating Capitalizes escrow transaction was delayed until XX/XX/XXXX. 
Our full understanding of modification to help us not to delay In their letter it states does not match XXXX for XXXX and XXXX ; they also take escrow early base on XX/XX/XXXX enclosed. 
;

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 2022-06-08
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: Account information incorrect

Complaint:
I disputed a closed XXXX XXXX account in XXXX of XXXX. Since that dispute, the account status has now changed to open and the monthly payments amount reported is {$6100.00}. Since filing a dispute with Trans Union, XXXX, and XXXX my score has dropped from XXXX to XXXX. The biggest factor being my debt to income ratio which now is over XXXX percent of my income. This is so let attributed to the supposed {$6100.00} dollar monthly payment being reported by XXXX XXXX. If you review my XX/XX/2022 credit report you can clearly see this account was closed for well over a year. Then after the dispute it e as reported as open and the remarks and monthly payments changed. Almost every negative account on my file has incorrect dates and billing information. XXXX was submitted the same disputes as TransUnion and XXXX and failed to investigate any of them disputes to this date. Well over the 30 day time frame. I have a certified receipt showing the day it was received. I have tried multiple times in the the last year and a half to resolve my disputes and have my credit files corrected and updated to no avail.

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 2022-09-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XX/XX/2022 I sent documents to Experian and XXXX via certified mail indicating that I was a victim of identity theft and fraud. I very specifically included the following statement, " I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt. '' Upon calling XXXX after receiving notification that the documents were received and the dispute was underway, I was told that I had XXXX social security numbers on file, but they verified the information and would not be removing any items from my report. Experian claims to also have validated accuracy, but when I asked both agencies who they spoke with, times, dates and what was said that validated the inaccurate claims on my credit report they were not able to provide an answer. One agent for XXXX stated they used and internal electronic system to verify the information. I again asked that the items be removed as the aforementioned credit companies were violating my rights as a consumer by reporting things that one, do not show up on all three credit reports, two not properly investigating the claims they are asserting against me and lastly for listing different information on each on of my credit reports. The agencies have failed to do due diligence in properly verifying accounts that are listed in properly and are committing fraud by willfully reporting information that is incorrect to parties without my consent.

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 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXXXXXX XXXX XXXX XXXX Balance Owed : {$5800.00} XXXX XXXX Balance Owed : {$610.00} XXXX XXXX XXXX Balance Owed : {$3000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: NC
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:
In XXXX, XXXX reported a 90-day late payment which has impacted my ability to obtain credit. In accordance with the Fair Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Sec 602 states I have the right to privacy. 15 USC 1681 Sec 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer plan late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
The company was sending me payment received alerts on my loan and 3 months later started reporting my account as late to the Credit Bureaus

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 2023-10-20
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:
THESE ACCOUNTS HAS NO MONTHLY HISTORICAL DATA ACCORDING TO 15 U.S. Code, THESE ACCOUNTS MUST BE IMMEDIATELY REMOVED FROM MY CREDIT REPORT DUE TO BEING INACCURATE AND/OR INCOMPLETE OR CAN NOT BE VERIFIED

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 2022-09-26
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2019, I went on a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Before I left for the trip, I called XXXX and made arrangements for the at sea rates. I have some of the text messages of the rate agreement. I have some of the text messages of my concerns of being charged regular rates. I was told that I would not be charged that rate. At the end of the trip, I was charged I repeatedly tried to get it adjusted to the agreed upon rate, to no avail. It has been sold to a collection agency. 
I have been affected in so many ways by this. I was in XXXX XXXX XXXX XXXX XXXX, due to XXXX. Besides XXXX XXXX I have XXXX XXXX as a result. I wrote XXXX as well as the collection agency. It it now on my credit report as a collection. 
I have several letters that have been submitted. I have text messages. I will only upload a sample of what I have sent. Please contact me if you need more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 am a victim of identity theft please remove this fraud inquiry from 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 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There seems to have been a billing error with my banking company which led to a late payment for the account XXXX XXXX. I have attached the letter from XXXX to XXXX bank informing them of this error. I was informed to send a letter or dispute to expedite the removal of the late payment since this has been ongoing. According to the FCRA this incorrect late payment reporting in XX/XX/XXXX ' is to be removed due to a billing error. I sent a dispute letter over 8 months ago and this information is still reporting. I will attach the letter that was sent XX/XX/2023 which is dated and time stamped. Please update this account to paid as agreed, never late. I have attached all relevant documents.

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 2023-08-26
Company: Experian Information Solutions Inc.
State: TX
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:
I have tried over and over and over again to work with the credit bureaus and they keep giving me the run around. It has been months and I send them a new letter every month and the incorrect personal information and account inaccuracies is still there. I am done!!!!!! I have had enough. No more waiting no more stalling remove it now. Your bad reporting is preventing me from getting me a new house and loans for my business. I watched XXXX and learned that your inaccurate reporting is a violation and am seeking litigation. I have attached a notarized document proving I am who I say I am because yall keep acting like its not me!!! Who else would be trying to deal with yall other than the person yall wrongly reportin 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 explanation