BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My name is XXXX XXXX, a federally protected consumer. I am filing this complaint against TransUnion for their interim response provided on todayXX/XX/, to existing complaint # XXXX. TransUnion 's response is as follows ; COMPANY 'S INTERIM RESPONSE 'We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty ( 60 ) days from the date you submitted your request ''. 
That response is a violation of 15 usc 1681i ( a ) ( 1 ) ( A ) which states, In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. I am aware that TransUnion has a total of 30 days, starting on XX/XX/2022, not 60 days as stated in their response, to by Federal Law to complete a full, proper and accurate re investigation to this original dispute. Or delete item from my consumer file.

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 2022-02-07
Company: Experian Information Solutions Inc.
State: WI
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:
I have contacted Experian to remove hard Inquiry that are fraudulent off my credit report this is damaging my credit due to fraudulent inquires which there is multiple such as XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX NA on XX/XX/XXXX and XXXX on XX/XX/XXXX and XXXX XXXX XX/XX/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 2022-05-16
Company: Experian Information Solutions Inc.
State: LA
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: Investigation took more than 30 days

Complaint:
My FICO score went from XXXX to XXXX with Experian with no new negatives being reported from Experian or FICO. I contacted both agencies and no one could give me a reason for the drop. 

Also XX/XX/XXXX I filed a dispute Im regards to the number of days an account was reported late and it has yet to be resolved. This is the third time I have disputed this item.

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 2022-02-07
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear National Credit System I recently obtained a copy of my credit report from your agency and found the following item to be in error : I dispute the unpaid balance on {$570.00} account number XXXX. This account has been more than seven years. It is too old be shown on my credit account. 

I am requesting that the item be removed to correct the information. 

Enclosed are copy of statement of original transaction date supporting my position. Please investigate this matter and correct the disputed item immediately. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I have been violated by XXXX according to the FCRA Section 1681 and Section 1691

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 2022-05-16
Company: Santander Consumer USA Holdings 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:
In accordance with the fair credit Reporting act XXXX XXXX XXXX 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 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 any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-01
Company: Experian Information Solutions Inc.
State: AL
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:
Experian and XXXX have violated my federally protected rights ; both companies are affecting my way of living by reporting know errors eventhoughf i have disputed or informed them of Inaccurate score reports, cautmy to deal with adverse actions when applying for family & household items. 



Experian is reporting one score but on experian its another score XXXX is saying my score is XXXX but rating & account are better than the other bureau 15 usc 1681 A4 that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S. Code 1681s2 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
Consumer complaint received 2022-02-06
Company: EQUIFAX, 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:
1.XXXX  XXXX is reporting that my account ( s ) are updated. This is a lie. It's fraudulent. All the accounts are not updated. All the paid zero balance accounts are still being reported as if they were open. The accounts are not. XXXX XXXX and Equifax are not updated. 
2. XXXX XXXX is reporting the accounts are updated by removing remarks added to accounts. This is fraudulent because credit karma did not remove/ delete the account. XXXX XXXX removed remarks stating closed and paid and on time but left the accounts on the credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
incorrect addresses on my credit report. 
my current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove all old/incorrect addresses from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: KEYCORP
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off this vehicle financed by Key Bank. They held the vehicle title in my name as collateral. 
When I paid this vehicle off the refused to mail me my title but gave me a letter to take to DMV Title where I was charged again for the title as a replacement. Key bank has the original title and need to mail it to me or pay the fee charged by the Title Bureau for a replacement title I paid two times for the same title. 
1st- Key Bank has the original tile that was issued in my name and held as lien collateral. 
I paid the fee for this title the fee was included in my loan 2nd- I received a letter lien release from Key Bank to pick up my title from Title Bureau/DMV I had to pay title fee for the 2nd time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair reporting act Acceptance now # XXXX, XXXX XXXX Bank # XXXX, XXXX XXXX # XXXX, XXXX XXXX bank # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX # XXXX, XXXX XXXX # XXXX # XXXX has violated my rights. 15 USC 1681 sec 602 A. states i have the right to privacy. 15 USC 1681 Sec 604 A Sec 2 : states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Experian Information Solutions Inc.
State: FL
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 have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$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 2023-10-10
Company: LEXISNEXIS
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I froze and opted-out of LexisNexis consumer XXXX. Although I have taken these precautions, LexisNexis is still illegally furnishing my private personal information without my written consent. 
On XX/XX/XXXX XXXX confirmed that LexisNexis provided them my private personal information to determine and calculate my monthly insurance rate. On XX/XX/XXXX I mailed in a handwritten request for LexisNexis to remove my driving record from my credit file pursuant to 18 US code 2721 ( a ) ( b ). This law states that My driver record is strictly prohibited for use in my credit report. On XX/XX/XXXX ( well after the legally mandated time frame ) lexis XXXX responded we have reviewed the information from our phone records, and determined that data being reported is accurate. LexisNexis is intentionally not acting in accordance with the law and this has caused me great financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the letter below. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house for my family.

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 2022-05-16
Company: Collections Acquisition Company, Inc.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have previously filed a complaint against this company for refusing to return my calls and messages I left on their voicemail. They claimed in their response to the CFPB that they had no record of those calls and voicemails which is a lie. They provided an email address and a fax number for me to send documents to, which would be used help remove the debt that was placed on my credit report due to identity theft. I have sent a fax from my bank on XX/XX/2022. I was not aware until I attempted to send another fax today XX/XX/2022 from my bank and it came back that the fax number they gave me was not working, I attempted to send an email to the email address they provided and I got an email back that their server rejected it due to a setting they have. 
I was able to speak to a collections rep at Payliance on XX/XX/2022 and she was very rude. She antagonized my wife and I and made up lies. She claimed that Payliance received so many emails in the last week it crashed their server. I explained to her again it was a fax not an email. She told me they are processed in the order received. I told her this needs to be urgent as I would have sent the required documentation months ago had I received a call back when I left voicemails. She asked if I would hold while she called the supervisor of the dispute department which she claims is the department handling the accounts now. I responded yes and then immediately she said he just responded. I am completely unsure how she got a response from someone so fast that she claimed she needed to call when she never actually put me on hold or even had enough time to call someone. Either way she gave me the same response of all claims are handled in the order they are received. Before I got off the phone with the collections rep she told my wife and I that she prays that Payliance will resolve my issue soon. 
It has now been 20 days since my first fax, and 13 days since I talked to the collections rep and sent the email. They have continued to lie over and over. I need my issue resolved now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
I really don't have much to say! I am just extremely frustrated with you all. I have reached out countless of times about the inaccurate item that is being presented on my credit report and I have been ignored. Nevertheless I will seek litigation if this continues. I have provided countless and countless of information proving that the accounts do not belong to me. This item has been destroying me and my family hopes of purchasing our first home. I am a single parent that has been slaving for years and saving up to provide my family the life I never had! Please remove this inaccurate item or I will seek litigation for each violation immediately!

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 2022-02-08
Company: CCF Intermediate Holdings LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
on the one inquiry dated on XX/XX/2022 the company check into XXXX XXXXXXXX telephone # XXXX would put me through a series of diffrent departments then the phone call would alw3ays drop on numerous calls. Inquiry # 2 company name XXXX phone # XXXX i spoke with an associate to inform them i had no recollection for this credit account, i was told to pursue the matter with XXXX in order to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Netspend Corporation
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In early XXXX I called Netspend Bank to close my banking account. I requested all funds to be mailed to me. This did not happen. I called back on XX/XX/XXXX. They had not closed my account as they told me they would. I requested a second time for the account to be closed and a check sent to me with the {$1000.00}. I gave them my address for the check to be mailed to me. I was told that I would recieve the check within 7-10 business days which would have been XX/XX/XXXX and XX/XX/XXXX. As of today I have still not recieved my money. I called back on XX/XX/XXXX at XXXX. The CSA told me that {$25.00} had been sent back to the orginial depositer, {$970.00} to another original depositer and that {$49.00} was still in the since closed account with them. Both the {$25.00} and {$970.00} were sent to bank accounts that belong to my wife and have since been closed. At this point I have no idea where my money is. The CSA gave me a tracing #. I have no idea how to even use this number to find my money. While on the phone I was transferred to a superviser and was then disconnected and hung up on after dealing with them for over a half hour. This bank has essentially stole my money.

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 2022-05-16
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is trying to collect a debt from a company that no longer exist and that is a place that rents accomodations by month.

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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX  # XXXX, has violated my rights under 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 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my dispute.

15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) =. The law clearly states that if items are found inaccurate or can not be verified the consumer reporting agency shall promptly delete the information from the file of the consumer The credit bureaus stated my account was properly investigated but how is that possible when all bureaus are reporting different information such as The account number is different, The monthly payment is blank, the last payment made on XX/XX/XXXX but the payment history reported that I paid OK until XXXX of XXXX, The payment history of 120 days late is reported XXXX times on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, the date closed is different, The balance is different, and the pay status is different. All bureaus are reporting different information and every bureau has removed this inaccurate information from my credit report except Transunion. I have also filed an identity theft report because this account does not belong to me. 

This ground for removal they also violated my rights under According to 15 U.S.C 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;

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 2022-02-08
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I checked my credit report to notice that there was a credit card opened with my social security number with a different name ( XXXX XXXX ).

Company response to consumer: Closed with non-monetary relief