BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have written several letters to Trans Union about removing the XXXX XXXX XXXX account completely off of my credit report. There are several innacuracies on this account that are illegal reporting. 
-Trans Union reported date closed : XX/XX/XXXX -XXXX reported date closed : XX/XX/XXXX -XXXX has no date reported at all. 
XXXXTrans Union reported last payment XX/XX/XXXX XXXX reported last payment XX/XX/XXXX -XXXX has no date of last payment at all -There is still a balance. There should be no balance on a charged off account. 
-There is also a recent payment of {$0.00} and is still being reported as passed due amount on a charged off account that is closed. 

This information is unverifiable and in the letters I received back from Trans Union states the same thing over and over, that they have verified the information and changed any information that was verified. They have not provided any proof or verifiable information other than a standard letter that they keep mailing out so that they do not miss the 30 day deadline response. I keep getting the same generic letter repeatedly, which to me shows they are not investigating this properly, after several attempts. 
Not to mention they have different dates for " dates closed '' which means they have made up their own dates in re-aging the account itself. It is illegal for them to have mis-information and information that does not match on all 3 credit reporting agencies. If they are not able to verify information accurately then the account needs to be removed completely off of my credit report. 
Enclosed are the letters I wrote with my proof and explanations, a copy of the reports and a copy of the same letters I keep receiving in response to my complaint.

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 2023-08-23
Company: Kikoff Inc.
State: IL
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:
This is my formal complaint to KIKOFF LENDING LLC for taking no action to correct and remove the fraudulent account that is still reflected on my credit report and continue to damage my reputation. I sent out communication letters and complaints to them several times, but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they would be reporting accurate information on my file but it seems they are not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: MO
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 XXXX XXXX XXXX / XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, and 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 response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made.. The accounts have nothing to do with me..I am a victim of identity theft and the account is not my responsibility, please remove XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX   XXXX ( Original Creditor : 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 2023-03-03
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:
I disputing on XX/XX/2021 Late payment {$29.00} I sent a goodwill letter to the company requesting that they remove or delete the late payment. In accordance with the fair credit reporting act XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for on purpose. 

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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 2021-09-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my home loan to Citizens One Home loan in XX/XX/2020. At the time of closing there was over XXXX XXXX dollars in the escrow account. Citizens claims to have mailed me two checks that I never received. I would like to get this closed out and my money back as soon as possible.

They made me go through a lengthy waiting process before declaring the checks missing. They made me sign a paper they send it the mail saying I didnt get the check and to send another one, all understandable. After the second check went missing, they are mailing me another form and then again going to just mail a check for a third time. I would like to establish a better way of sending payment than whatever is or isnt going on in the mail.

They are asking me again to sign a document saying I didnt get the check so they can send out a third check. I will sign the document. I asked they email it to expedite the process and they said that was impossible. I asked that we try another method of getting me the money. I offered to pay for a wire transfer and they said a check was the only way they could pay. I asked the check be sent overnight with a signed signature requirement. I offered to pay for it They said they cant do that and their policy is to only mail it. I also offered to go to them across the country and sign the document and pick up a replacement check. They said that too was impossible and not to come.

After two failed checks in the mail Id like to pay for a better way to get my XXXX XXXX dollars. Citizens was very unhelpful and seems content with their failed archaic methods. I am not. I would like my money, it's been over 10 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: GA
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 XXXX  Account # XXXX, XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX  Account # XXXX, XXXX XXXX Bank 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 an 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 2022-11-21
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: Was not notified of investigation status or results

Complaint:
I recently gained a copy of my credit report and noticed inaccurate and unfair accounts and inquiries that are hurting my general reputation as a consumer. I demand these bureaus transunion, XXXX and XXXX to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature. attached is the list of items i wanted to delete and 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 non-monetary relief
Consumer complaint received 2020-06-18
Company: Experian Information Solutions Inc.
State: AR
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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompts me to check my credit report. These items listed are not mine and need to be removed XXXX  XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$22000.00} XXXX   XXXX XXXX {$190.00} XXXX {$1700.00} US DEPT ED XXXX {$13000.00} XXXX XXXX XXXX {$500.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXXXXXX BANKRUPTCY XXXX {$0.00}

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 explanation
Consumer complaint received 2023-08-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX : # XXXX, XXXX XXXX account opened XX/XX/2018 have 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 a victim of identity theft last year. There is a collection account showing on my credit profile under the name XXXX XXXX  with account number XXXX. It says the original creditor was XXXX XXXX XXXX. I have no knowledge of this account and it is NOT mine. I have filed the appropriate paperwork for the identity theft and I demand this account be removed ASAP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
As of XX/XX/2023 I stated I noticed a fraud account and the credit XXXX XXXX XXXX XXXX claimed they did an investment but how is that possible when I never gace my written instructions ALL COMPANIES AND CREDIT BUREAS INVOLVED ARE IN VIOLATION OF THE LAW!!!!!! 
RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
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:
The following hard inquiries on my credit report are incorrect and do not belong to me. please have them removed from my credit report immediately XXXX Inquired onXXXX On record untilXXXX XXXX XXXX Inquired onXXXX On record untilXXXX 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 2021-09-15
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN CREDIT BUREAU, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}.

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 explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 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 2021-09-15
Company: CBC Companies, 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: Credit inquiries on your report that you don't recognize

Complaint:
To whom it may concern on my XXXX credit profile I did not authorize XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX/XXXX, or US SM BUS ADMIN ODA Authorization to pull my credit profile please remove all inquiries immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
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:
Ive reached out to XXXX asking for verification of a debt and asking that documentation along with signatures be provided that proves that I owe said debt. I believe that the debt does not belong to me and asked that it be investigated and removed if documentation could not be provided to link me to said debt. I have had several issues in the past getting this resolved hence the reason why I asked for validation which includes signatures and supporting documentation. None has been provided and this is causing me great pains and detriment. I may have to seek legal counsel if this isnt resolved in a timely manner. XXXX XXXX XXXX is the party I am disputing in XXXX amounts totaling {$4500.00} and for {$740.00}. XXXX could not have possibly verified this debt because no sooner than my request for validation was sent it was return in less than 30 days so it leads me to believe that thorough investigation was not implemented. I needed them to do a thorough investigation for instance requesting the ledger balance if need be or signed documents that I have signed. XXXX more than likely is taking the word of the company and is not actually pulling documents to confirm these allegations and its very harmful to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/2021, I called Santander Consumer XXXX to request a payment extension for my car loan that was due that day. After experiencing lack of employment and delays with XXXX XXXX  I knew I would be unable to make the payment. 

The representative that I spoke with XXXX, in the Executive office attempted to connect me with a member of the payment extension team. Unable to do so, she advised me to call in on Wednesday XX/XX/2021 to speak with a representative. 

At XXXX EST on Wednesday XX/XX/2021, I called back into Santander to speak with them once again about a deferment. The representative XXXX ( ID # XXXX ) spent approximately fifteen minutes asking why I was requesting a deferment, and then proceeded to state that they can not offer a deferment at this time. 

Upon requesting to speak with XXXX manager I was connected to Ms. XXXX. Ms. XXXX had me on hold for an hour, only to come back and tell me that she needs to speak with someone from the management office, and they are all in meetings. She requested that I call back in an hour. 

At XXXX I called back as instructed, only to be told that they haven't reviewed anything yet and they will call me in 1-3 days. 

I believe the delay in my request was done intentionally on Santander 's end so the account would hit the 30 day late mark, which could then be reported to the credit bureau.

Company response to consumer: Closed with explanation