BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. 

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 

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 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 non-monetary relief
Consumer complaint received 2017-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
TransUnion XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. XXXXc-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXXXX/XX/XXXX ADDRESS 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 2016-07-04
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft and I am disputing the following unauthorized and fraudulent inquiries : XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX. The unauthorized and fraudulent inquiries do not belong 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 non-monetary relief
Consumer complaint received 2016-07-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Remove XXXX Bank that is open on XXXX XXXX, XXXX, that has me listed as an authorized user because I am not. Balance is XXXX Remove XXXX XXXX Bank XXXX that is opened on XXXX XXXX, XXXX, that has be listed as an authorized user because I am not. Balance is 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 2015-12-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Experian is reporting over XXXX XXXX XXXX XXXX different names that are totally wrong. Experian is reporting addresses where I have never live at. This CRA is not correcting this erroneous information, even when I submitted a copy of my FL state driver 's license an my C concealed arm permit in support of the dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 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 TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30day mark and can not verify these accounts, under Section 611 ( 5 ) ( a ) of the FCRA - they are required to '' ... .Promptly delete all Information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible.Thank you.

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 2021-12-29
Company: BARCLAYS BANK DELAWARE
State: SC
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:
I get setup on a 'hardship program ' with Braclays Bank Deleware Frontier Mastercard on XXXX XXXX, XXXX. The setup a scheduled payment for the program for the XXXX of each month thereafter ; on XX/XX/XXXX the payment drafted my account, when I reviewed my bank account on XXXX XXXX, XXXX, I did not see the monthly payment debited. I called that day and found out they only scheduled XXXX for autopay, and I make XXXX payment on XX/XX/XXXX in full. I then found out through my credit monitoring service that my score dropped about XXXX points because Barclays reported me 30-days late. I called Barclays back to find out what happened, they then proceeded to tell me that a prior statement went out around the same time I had enrolled in the hardship program, at the end of XXXX, and that was likely why it was reported to my credit as late. So they said they would credit the account for some interest and other fees that I was charged, and required me to make an additional payment to get the " account current '' ; but I was not otherwise made aware this account had an outstanding balance when I setup the payment program. I was told the payments that they scheduled, and the {$230.00} per month was all that was needed. So after waiting on credits to update on account, they still did not properly report to credit bureaus that my account was not late. It has never been 30-days late, and for the month of XXXX, XXXX where my credit report is showing a 30-day late status, the payment was made within 5 days of the due day, which I had thought was setup as an automatic payment. The account was Never close to 30-days late. 
Payment XX/XX/XXXX ; conf # XXXX Payment XX/XX/XXXX ; conf # XXXX ( I also setup 12-month automatic payments to ensure this was not an issue ) Payment XX/XX/XXXX ; conf # XXXX Clearly you can see there were no 30-day late payments. I have not had a 30-day late in 26 years on my credit... this is inaccurate and severely damaging to my credit and at this time I am trying to do a refinance on my home. This credit impact will prevent me from getting the best rate, and can cost me thousands of dollars in interest over the term of a home refi. I need this inaccurate reporting removed.

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 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 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 TRANSUNION 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 2015-04-01
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX XXXX placed a collection on my Experian credit report on XXXX XXXX, XXXX for {$680.00}. I have never received any communication regarding this account via XXXX Mail from XXXX and had no idea what it was for. It did, however, look familiar and further investigation of my XXXX credit report from XXXX XXXX, shows that XXXX had the same collection on my credit report then for the same amount but with a different account number. I had not received any communication regarding the previous ( same account ) back in XXXX either and when I discovered it on my credit report, I sent a letter to XXXX requesting validation of the account per the FDCPA. This was sent on XXXX XXXX, XXXX. XXXX has never responded to this request. I also disputed the account with the credit bureau around the same time and XXXX subsequently deleted the account from my report on XXXX XXXX, XXXX. 
I have never received any mailed communication from XXXX, nor have they every validated the account from my requested in XXXX. I disputed the account they are currently reporting on my Experian credit report and received notification that it was verified as accurate. How is it possible that XXXX can validate a tradeline as being accurate when they admittedly do not have information about the account in their possession and can not provide it despite my request for validation over a year ago. XXXX is deliberately trying to poison my credit rating by reinserting this alleged account on my credit report. They can not provide documentation to me proving that I owe the debt nor can they show proof that they have any legal right to collect it, yet they verified it as accurate to Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: T.S. Holdings
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hello, this is a follow-up for a request to provide more information for COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Debt collection ISSUE Communication tactics. 

I have provided correspondence with XXXX homes from XXXX. When I log into the portal link, it states I don't have a complaint. Please see complaint # from XX/XX/XXXX. Thx.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i check my credit report today and i see XXXX account in collection for XXXX agency collection afni i spoke whit XXXX and the address they tell-me about that i never lived in that address before and i never sign any contract whit them for any cable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I started to refinance in XXXX from Mr Cooper former Nationstar and I singed disclosure on XX/XX/XXXX provided documents requested. Loan officer XXXX XXXX said I was approved on XX/XX/XXXX. Then processor XXXX XXXX took over and started to request the bank statements, mortgage statements and insurance declaration and HOA statements all over again and I provided them again. Then she requested many other items one by one without end. I sent numerous emails and made phone calls and she never responded. 

So I complained to XXXX her supervisor and requested to provide list of items she needs all at once. She still did not do that. I continued to provide what she requested for 2 months and she often required what I provided again. XXXX XXXX said if I pay off my credit debt, XXXX will set up closing on XX/XX/XXXX. I did and sent receipt. Then XXXX came up with another issue of XXXX XXXX XXXX which I never did. I explained. Then she said my Brilliant Business License is delinquent and I renewed. After I provided everything they requested and it was Mr Cooper which took time, they denied my loan saying my credit was not good. My mid credit score is XXXX. 

Then I told them I would report to CFPB and FTC if they do not close the loan. Then XXXX XXXX sent email and said they would reinstate if I provide XXXX statements for my two properties. XXXX XXXX XXXX XXXX XXXX WA and XXXX XXXX XXXX XXXX WA properties. I still do not know why they requested XXXX statements again although I already provided XXXX and XXXX statements. I provided XXXX statement in XXXX and provided XXXX statements on XX/XX/XXXX again. But they sent online decline on XXXX after I did everything they requested for 4 months. They said the reason the loan was declined was due to my credit. The credit check was done on XX/XX/XXXX and my credit was good and that is why loan was started and I also refinanced 3 other properties recently before Mr Cooper-Nationstar. So it can not be the reason. If my credit had not been good, XXXX XXXX should have declined on XX/XX/XXXX without wasting 4 months of my time and the employees of Mr Cooper time. There are all email traces that show how poor, inefficient and careless they services were and how they neglect and ignore their customer. 

As a XXXX and an XXXX, I did many loans and helped my numerous clients in getting loans and I also refinanced 3 other loans recently but have never experienced such poor business practice as Mr Cooper does. It feels like they are playing with customers. I XXXX and found complaints from many other customers and some said Mr Cooper-Nationstar was the worst company they had. I feel and think something must be done to stop such unfair and bad and poor business practice so that other people do not go through what I and other clients did. Some companies are too big and they don't care and I think Mr Cooper-Nationstar is one of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
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: Information belongs to someone else

Complaint:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This false reporting has caused me severe financial injury, defamation of character and mountains of stress. I can't get a new job. I can't apply for credit. My wife and I can't buy a new home. I'm XXXX and reduced to low level apartments. I feel systematically oppressed. I also was denied an EIDL grant & SBA loan. Please help me fix this credit crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I spoke ro XXXX XXXX about loan balance amount and reportung details on my credits. They had someone from a third party to speak to me northland group. The would n't speak to me directly. The respresentative explained that the vehicle in question waa sold after I told capital about my lost of employment and no longer could care for my loan in the status that it stood. They refused to negotiate the loan and I surrender it over. They sold it the reported amiunt doesnt reflect it and anonymous fee are added that should n't be. I need this negatitve remarks and amounts off of my credit report as it is not true.

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 2021-12-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
FAILURE TO LEGALLY VERIFY I SUBMITTED NOTARIZED DOCUMENTATION REQUESTING VERIFICATION ON THE DAYS OF : XX/XX/21 - ( XXXX ) CERTIFIED MAIL XX/XX/21 - ( XXXX ) CERTIFIED MAIL RESULTS OF BOTH INVESTIGATIONS CAME BACK AS VERIFIED WITH NO DOCUMENTATION PROVING OWNERSHIP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: PLANET HOME LENDING, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
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:
While I was in forbearance with my mortgage lender they are not supposed to send any negative remarks towards my credit bureau which they have been I have contacted the credit bureau I have contacted my bank lender and not I should have been done to remove this negative remarks I want action being taken against them and I want these negative remarks be removed from my credit as soon as possible. The name of the bank lender is planet home lending

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
FAILURE TO LEGALLY VERIFY I SUBMITTED NOTARIZED DOCUMENTATION REQUESTING VERIFICATION ON THE DAYS OF : XX/XX/21 - ( XXXX ) CERTIFIED MAIL XX/XX/21 - ( XXXX ) CERTIFIED MAIL RESULTS OF BOTH INVESTIGATIONS CAME BACK AS VERIFIED WITH NO DOCUMENTATION PROVING OWNERSHIP

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 2022-05-14
Company: Experian Information Solutions Inc.
State: MO
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXXExperianXXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports 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 2016-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The credit reporting agencies have not removed the XXXX XXXX report from my credit record I open this account in XXXX and I believe it should have been removed in XXXX because of the statue of limitation. We have tried unsuccessfully to remove. This involves all credit reporting agencies and my account number for this is XXXX. Thanks your help is appreciated. 
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