BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-20
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: Information belongs to someone else

Complaint:
This is my first 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 an alleged fraud or extortion. 
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 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 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 2016-06-28
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
ILLEGAL FORECLOSURE AGAINST OUR HOME ... AUCTION SALE XXXX XXXX, 2016. PLEASE HELP! 
NATIONSTAR MORTGAGE LLC- THE SERVICER TURNED " LENDER-ASSIGNEE-MORTGAGEE '' WITH NO MATERIAL PROOF ... ALLEGED LOAN ACCOUNT RECENTLY DISCOVERED TO BE LEGALLY NON-EXISTENT ( DELETED BY XXXX BUREAU FROM XXXX XXXX CREDIT REPORT IN XXXX 2016 ) ... FAILED DEBT VALIDATION REQUIREMENTS -- WITH MULTIPLE VERSIONS OF THE AMOUNT OF DEBT, AND THE IDENTITY OF THE HOLDER OF THE BENEFICIAL INTEREST ... .SUBJECT TO COLLATERAL ESTOPPEL AND WAS ISSUED A CEASE AND DESIST PENDING DISPUTE OF ALLEGED DEBT ... .YET, BLATANTLY IGNORES EVERY FEDERAL AND STATE STATUTE ... '' AND MAKES CLAIM THAT ITS COLLECTION EFFORTS ARE OUTSIDE OF DEBT COLLECTION given it is foreclosure-related.. '' RECORDS THE UNLAWFUL NOTICE OF DEFAULT THAT IS BEHIND THE FORECLOSURE AUCTION SALE OF OUR HOME ON XXXX XXXX, 2016 ... WITHOUT AN IOTA OF MATERIAL PROOF TO THE RECORDED FORECLOSURE INSTRUMENTS PURSUANT TO CA CIVIL CODE 2924.17. 
PLEASE FIND ATTACHED. ( The additional exhibits are being sent via fax. ) THANK YOU FOR YOUR URGENT INVESTIGATION AND ENFORCEMENT ACTION!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: PA
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 hope this time Consumer Reporting Agencies will be able to answer my unresolved disputes about these incorrect and misleading accounts to which I have requested for proper reinvestigation from my previous letters about a few months ago. They have failed to get back with 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 explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I logged into my XXXX Credit Card account issued through Commenity Bank to pay my bill. I noticed my available credit was at XXXX. I then had to go back through my monthly statements to find my account was closed on XX/XX/XXXX of this year. I sent a message to customer support to see if this was actually the case, and if it was not, to have a new card issued as mine was expired. I was given the run around for a few days before being told to contact a supervisor. I contacted a supervisor on XX/XX/XXXX who told me that there were no notes on my account about account closure and as far as they could tell, the account should not be closed. I was then told that this would be escalated and I should receive a call back within 7-10 business days ; this did not happen. Today, on XX/XX/XXXX, I called customer support again, on the 11th business day, to inform them that I had not received a call back, and to address the issue of a lack of Adverse Action Notice being send, as is required by the Fair Credit Reporting Act, and they informed me that their notes said someone did call on XX/XX/XXXX, however, there was no recording made, meaning nothing was recorded as a phone call, or voice mail, and I have no record of this call in my call logs, seeming to imply a note was made without actually attempting to contact me. Nobody can prove this call was made beyond the note. This supervisor also reiterated what the first had said : there we no notes on the account about account closure, and she can't see a reason as to why it was, and doesn't see any notes about Adverse Action Notices being send, or any documentation on the account for that matter. This supervisor contacted her boss, who without speaking to me, just relaying it through the supervisor I was talking with, that it was up to the banks digression as to when to close an account. While this is correct, this is not the issue I was calling about, and I reiterated that I had not received an Adverse Action Notice notifying me of account closure within 30 days as required by the Fair Credit Reporting Act. This supervisors boss once again ignored the statement to reiterate that account closure was at the digression of the bank, and ceased contact with me. The supervisor I was still in contact with apologized, at which point I told her that an apology was not good enough, they are in violation of the Fair Credit Reporting Act, their action has negatively impacted my Credit Score, and there were damages, some form of remediation needed to be made. I was told that they could request a call back, but my account could not be reopened, and no form of remediation was made availble.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am the XXXXXXXX  on 5 student loans for my daughter that were reported on my credit report by XXXX XXXX as 30 days past due on XX/XX/XXXX. 

The loans have been in in-school deferment as of Fall XXXX. My daughter 's graduation date is scheduled for XX/XX/XXXX. XXXX XXXX had an incorrect graduation date that showed her graduating in XX/XX/XXXX. The school subsequently sent documentation to XXXX showing her IN SCHOOL in XXXX  and a graduation date of XX/XX/XXXX, with no lapse of enrollment. 

I requested that XXXX XXXX reverse the credit reporting of a 30 day past due because the document from the school verified her enrollment at the time of the reporting. I was told by TWO customer service representatives, on two separate occasions, that I had to file a dispute with the credit bureaus to have the reporting removed. However, when I filed the dispute with the credit bureaus, XXXX XXXX did not reverse the past due reporting. Instead, XXXX XXXX verified that the past due reporting was correct. 

I am disputing this reporting for two main reasons ; 1. The letter of verification from the school explicitly states she was in school from XXXX to XX/XX/XXXX. There was no lapse in her in-school enrollment, and therefore no legal reason to remove her in-school deferment, and therefore no payment was due. The negative reporting by XXXX is illegal and an egregious abuse of power, since the consumer can not change any reporting made to the credit bureaus. The written verification from the school was sufficient to warrant a reversal of the late payment reporting. 

2. As a XXXX, I should have been notified in writing of the pending past due payments. However, I did not receive any written notification. I learned of the past due reporting from the credit bureaus. Legally, I am entitled to written notification. Upon reviewing the account online, I noticed that XXXX XXXX had changed my address to a Washington address, without my knowledge or consent. I do not live in Washington and did not request or authorize a change of address. 

3. I have made several calls to XXXX XXXX about this matter. Overall, the representatives are inept, show no concern for the customer 's plight, and merely regurgitate company jargon without exercising any critical thinking skills or problem resolution effort.

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 2016-06-21
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Nationstar Loan # XXXX XXXX CA XXXX We started this short sale on XXXX - see attached Task List and XXXX Messages. 

The negotiator assigned to the file is XXXX XXXX. She has repeatedly rejected tasks, has not initiated tasks to be completed, can not read proof of funds, repeatedly asks for the same doucments over and over again, and WILL NOT RESPOND TO US. 
She wont take calls. 
She wont answer our questions via XXXX. 
She repeatedly asks for the same documents over and over again. 
She has not once done a complete review of the documents we have submitted. One day she accepts what we send and the next day she rejects it. 
Her manager wont call back. 
Her manager wont respond in XXXX. 
No one at this company seems to know what 's going on. 

The negotiator is so utterly incompetent that she did n't bother to send the offer task to us until XXXX -- - THREE WEEKS AFTER WE STARTED THE FILE IN XXXX. 

On page XXXX of the attached XXXX Messages ( XXXX XXXX ) XXXX asked for the XXXX form. On page XXXX - XXXX XXXX - the SAME DAY, I uploaded it to equator and sent her a message. -- -- -- -ONE WEEK LATER SHE ASKED FOR THE SAME DOCUMENT AGAIN!! 

Then on XXXX XXXX she asked for the XXXX document AGAIN!! 

And now she is threatening to cancel the file on XXXX, claiming that 'WE ' are not returning the documents she needs??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Experian Information Solutions Inc.
State: GA
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 explanation
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX and Transunion have repeatedly reported inaccurate information on my credit report they have two addresses that i have never lived at and are unmailable addresses. They are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX GA XXXX. AT THIS POINT I WILL BE PURSUING LITIGATION IF ITS NOT REMOVED AND UPDATED ACCORDING TO THE PRIVACY ACT OF XXXXPER THE FCRA AS A FEDERALLY PROTECTED CONSUMER I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN VERBAL AND NON VERBAL PER 15 USC 6802 TO 6805.

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked again my credit report and found that some of the data were incorrect. The XXXXhree credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
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:
My name is 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 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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX Balance : {$9100.00}.

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these continue must be verified ( A ). If you do not verify these continue, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXXXXXX Balance : {$390.00} ; XXXX XXXXXXXX Balance : {$680.00} XXXX XXXX XXXX XXXX  Balance : {$290.00} XXXX XXXX XXXX XXXXXXXX Balance : {$710.00}.

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX Balance : {$480.00}

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