BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Dear TransUnion What happened to sending my updated results with a reasonable time frame of 30 days? I am referencing the accounts listed below : U.S. Bankruptcy Court : Account number : XXXX, Account status is misleading : showing different per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX  : Account number : XXXX, Account status is misleading : showing different per bureau. I need this fixed ASAP. 30 days should be enough. 

What happened? 30 days has come and gone because of this, you must delete the items in questions as they are not correct anyway. Your failure to investigate and remove the inaccurate account is causing great stress to me and my family. I read somewhere that you only have 20 or 30 days to investigate this matter? 40 days has past and nothing from your company. Delete the accounts listed below or I will have to exercise my rights and file complaints with the XXXX, Attorney Generals Office, and the CFPB.

I take my credit seriously and I hope your company does also. Please do not delay with sending me updated credit reports with deleted information. 

Take care. 

CC : FTC, XXXX, CFPB

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 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
Transunion, XXXX and XXXX are reporting closed accounts as currently late by placing information inaccurately onto my consumer report. XXXX XXXX account was paid and closed in XXXX of XXXX. However, I am currently being reported as currently late every month while showing a XXXX balance. ( See attachment ) XXXX XXXX XXXX Nevada is reporting this information purposely in this way to lower my score. The credit agencies have said that their hands are tied with respect to updating the information and that I would have to subpoena the results of the investigation if I wanted them. I have never received any results of the investigation I am requesting showing that the furnisher updated the CRA with accurate information. 

Furthermore, per U.S Code 1692a my transactions and experiences are not to be shared with anyone except the organization and this is a direct violation of my rights as a consumer.

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 2023-09-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX my account was compromised. I filed a claim disputing transactions which were marked unauthorized. This included rent payment, utility bills, car insurance and credit cards. I didn't do this. My claim was denied. However, in XXXX I received notification from Center for Medicare and Medicad that a 3rd party vendor had a data breach. The dates were end of XXXX and beginning of XXXX. I asked for my claim to be reopened. This request denied

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 accordance with the Fair Credit Reporting act XXXX  for " XXXX XXXX XXXX '' Account # 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 2023-10-17
Company: Upstart Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a past due loan that was set to be sold on XX/XX/2023. I paid the total remaining balance on XX/XX/2023. My Upstart account shows fully paid off and the payment was 100 % cleared on XX/XX/2023. Upstart then sold the debt on XX/XX/2023 after they already received the payment in full. On XX/XX/2023, I received a phone call from XXXX XXXX stating that I owe them {$13000.00}, which is the amount that I paid to Upstart to pay off the loan. For more than three weeks I have been in communication with Upstart and XXXX, and they both do not have answers. Upstart told me the loan should not have been sold, it was then sold. Upstart told me they are going to recall the loan, it was not recalled. Due to this, they inaccurately reported my account as past due and sold off, when in fact I paid them in full before the sell-off date and I confirmed with my bank that the payment cleared before the sell-off date. I am still receiving calls from XXXX telling me I owe them the {$13000.00} that I paid to Upstart, again before it was set to be sold to XXXX Upstart refuses to confirm that they received the payment in full. This is negatively impacting my credit and mental health.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
They said there was able to verify the information and they did not tell me how they viried the information. Sent letters to them and asked for proof and they have not sent any thing

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 2022-09-21
Company: FIRST MERCHANTS CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred to XXXX XXXX XXXXXXXX Bank on XX/XX/22. I hadn't received any information on my new mortgage so I called on XX/XX/22 and was told that I would need to reach back out after XX/XX/22 for more information but that I wouldn't need to worry about it too much because there was a 60 day grace period after the transfer to catch up on my payments. 

Time got away from me and I was planning on signing up on the online portal this week when I received a packet in the mail indicating that my mortgage was past due and I was in collections. I immediately called their customer service line and was transferred to their collections department on XX/XX/22. 

I was speaking with XXXX around XXXX. I explained the circumstances of my mortgage being transferred on XX/XX/22 and they said there was no record of my calling the bank on XX/XX/22 and that the information was wrong and I only had a 15 day grace period. This person was extremely rude to me, refused to transfer my call because I was " already given the information I needed. '' I made the payment and when I said I still wanted to speak with someone, this representative hung up on me. When I called back later, I was again connected to collections but then I requested to speak with customer service and was eventually transferred to XXXX, who then informed me that it's the law that after a mortgage is transferred that I have 60 days grace to make my payments without penalty or reporting to credit bureaus. She apologized for the person in collections telling me that information. 

I was provided the correct legal information when I made the call on XX/XX/22. Regardless of how late I was in the process, the collections agent should have known the law and they should have provided me with the correct information. This was unethical to attempt to be the one to collect on this payment. I was going to make my payment this week without the XXXX XXXX thinking I was defaulting on my mortgage. Additionally, I think it's somewhat deceptive to send a collections letter without also noting that my 60 days grace period was almost at the end and to make the call right away to make my payment or else I would be in collections. 

The customer service representative, XXXX, was very lovely and was able to calm me down. They also said that they would file a complaint on my behalf but the more I thought about it, the angrier I became about the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I would like to have the following account removed from my credit report : XXXX XXXX XXXX There is a balance being reported of {$1100.00}, but I have NEVER been late on any payments. I will enclose the PDF proof of my account and payments. Since XXXX XXXX  does not report positive payment history to reporting agencies, the account should not exist on my credit reports at all. 


I have disputed this account multiple times. but the reporting agencies are not actually looking into the validity of the account.

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 2022-12-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted on XXXX by XXXX XXXX XXXX by XXXX XXXX They advised on voicemail that I was being served/sued over. They contacted XXXX family members advising the same that I was being sued/served, disclosed my name, social security number, and date of birth. The company told these people that they were listed as references which is a absolute lie. I spoke to XXXX XXXX He told me what it was finally in regards to. An old credit card debt I paid and I advised that it was paid years ago. They would not release their address or fax to send proof of payment and paid in full letter from 2018 as well as a cease and desist. Almost 5 years ago and I am still be contacted in this threatening manner. When I advised I paid, I advised what company, the amount, when it was paid etc. He said if he needed anything they would call back.never heard a thing more. Here we are today XXXX. A different company is leaving threatening messages/robo calls about suing me. I believe XXXX XXXX hard to tell on the machine. I called back and left a message. But I am absolutely over being constantly harassed over a paid bill. Its been almost 5 years and I am still regularly being harassed over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: FIRST CITIZENS BANCSHARES, INC.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2019, I received a letter stating that my FHA Mortgage was sold by First Citizens Bank to a third party debt collection agency named XXXX  : Effective XX/XX/2019, which was then sold again to XXXX XXXX XXXX. I did not receive proper notification from either company of the transfer and procedure within the 15 days of the sale. This is Identity theft and I didn't give either one of the companies consent. First Citizens Bank Took a Finance Charge from me in a consumer credit transaction. I've been violated in this consumer contract and I demand answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, 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:
Their is a US Bankruptcy XXXX XXXX XXXX on my credit file. In XXXX of 2022, I asked Equifax to do a reasonable investigation. EquiFax did not provide me with any results to the investigation. I recently submitted another request for a full and reasonable investigation. I asked EquiFax to provide in writing the results of the investigation by us mail. I did not receive the results by us mail. What I did receive was a email with alarming information. EquiFax receives it's verifiable bankruptcy information from a third party vendor. This violates my rights as a consumer. According to the FCRA, all credit bureaus must verify Bankruptcies from its original creditor. EquiFax verifies its information with XXXX. Both, Equifax and XXXX admit to working in conjunction with each other. This why EquiFax didn't provide me with a proper investigation as I requested. They can't provide a written proper investigation, because they must contact the original creditor. I have contacted the original creditor ( XXXX Bankruptcy Courts of XXXX ) they do not report or verify information to the credit bureaus or any agency. 

I have a letter from the XXXX XXXX XXXX  of XXXX proving Equifax has been violating my rights as a consumer. I have a letter from EquiFax stalling by sending me a letter to verify the information the already have, because I provided them with my request to investigate. I have a email from EquiFax not providing proof of the investigation, but admitting to using a third party vendor for verification purposes. I also have a letter from XXXX proving they provide Equifax with information as a third party vendor for bankruptcies. 

Inconclusion EquiFax did not provide a full and reasonable investigation. They have been refusing to provide upon request, how the information is proven to be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Action Revenue Recovery, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I did not consent to authorize nor benefits from these transaction.

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 2022-07-28
Company: Eastern Account Systems of Connecticut, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am billed from collection agency for bill on XX/XX/16 paid by my insurance companies which was primary XXXX paid XXXX, the secondary insurance XXXX would covered XXXX any balances should have been billed to XXXX as a secondary insurance in timely billing cycle. Also medical information was provided to the collection agency I was told XXXX  XXXX why would a collection agency need to know personal information provided to them by the hospital

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: EQUIFAX, INC.
State: OH
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:
XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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.

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