BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
One account was removed, and the other 4 inaccurate one 's remain ... and they look to be duplicates ... 

XXXX XXXX {$240.00} XXXX XXXX {$240.00} XXXX XXXX {$530.00} XXXX XXXX {$530.00} Original creditor : XXXX  XXXX XXXX No contracts exists ; settled accounts with original creditor, grave error, and against F.C.R.A. law Please be advised this is against F.C.R.A. law and is a violation of my rights.. The inaccurate and unverified items listed below remain on my credit report in violation of Federal Law. These accounts were settled with original creditor. There is no contract with collection agency, no valid verifiable claim. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be deleted 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 2023-07-23
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:
No collection account should have Late payments

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 2021-08-23
Company: EQUIFAX, INC.
State: PA
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:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft and these fraudulent accounts have affected my credit reports. I will attach supporting documentation to support my claim. I will include a Federal Trade Commission report, Notarized Statement to support my claim along with proof of my identification.

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 2023-07-23
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have sent several letters and my FTC report, and the company has still not responded. 
on XX/XX/23 i mailed my dispute letter, on XX/XX/23 i mailed my 609 letters with for me with all the information requested for me, on XX/XX/23 i sent my FTC report and still no response, i requested proof of the allege accounts belonging to me, i haven't received a response. On XX/XX/23 i sent another 609 letter.

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 2018-07-25
Company: EQUIFAX, INC.
State: CA
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 recently sent 3 certified letters since XX/XX/XXXX-XX/XX/XXXX to all 3 credit agencys to delete accounts ( listed below ). They continue to say they verified the accounts, but never told me who they verified the accounts with, no contracts showing the accounts are mine, nor signatures. Also usually is over 30 days for a response, which is against the law of the FCRA. Please delete Accounts listed below XXXX- ( XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX ) XXXX- ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX ) Equifax- ( XXXX XXXX # XXXX ) ( XXXX XXXX XXXX XXXX  # XXXX ) ( XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Sent in three letters stating that the address they have on file are wrong, the only address that should be on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX. Please delete all other addresses because they are outdated information, and some of them I never lived there. They still havent deleted the old address.I have been a victim of fraud in the past due to things being sent to other addresses and people using my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Sent in three letters stating that the address they have on file are wrong, the only address that should be on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX. Please delete all other addresses because they are outdated information, and some of them I never lived there. They still havent deleted the old address.I have been a victim of fraud in the past due to things being sent to other addresses and people using my information.

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 2021-02-12
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX is reporting an old account as open and current. It shows a payment of {$3800.00} made to open the account back up fraudulently. The account was closed and charged off and all of a sudden it shows open and current. I have correct documentation on how the report looked in XXXX versus XX/XX/XXXX. This is due to be removed from my credit report in a month. I would like this to be removed now due to inaccurate information and fraudulently activity opposed by 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 2018-07-25
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX i submitted a hardship request packet to specialized loan servicing ; my mortgage loan servicer. They sent me a letter few days later indicating they received and will be reviewing my request. Roughly XX/XX/XXXX I received their denial response letter. Indicating I was denied help because I had already been given a loan modification back in XX/XX/XXXX. A month after them getting the loan from XXXX. I was not working on a loan modification with XXXX and did not request one when they took over the loan. Well, in my hardship request of XX/XX/XXXX i never asked for a loan modification ; I asked for forbearance assuring them I would be out of this rut within 3-6 months. This seems confusing and misleading because they are denying me something I did not ask for. They did not refer to my request of forbearance ; they just denied due to already having have had a loan modification. Please help

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 2018-07-25
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:
Sent in three letters stating that the address they have on file are wrong, the only address that should be on my credit report is XXXX XXXX XXXX XXXX XXXX  XXXX CA, XXXX Please delete all other addresses because they are outdated information, and some of them I never lived there. They still havent deleted the old address.I have been a victim of fraud in the past due to things being sent to other addresses and people using my information.

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 2018-07-25
Company: EQUIFAX, INC.
State: CA
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:
Sent in three dispute letters starting XX/XX/XXXX-XX/XX/XXXX to all credit report agencys regarding accounts ( XXXX acct # XXXX ) ( XXXX/XXXX  acct # XXXX  ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX  XXXX acct # XXXX ) accounts not mine please delete it. Put a fraud alert on my account due to my name being used, credit agency is not verifying these accounts. Just sent in a final letter XX/XX/2018, notarized stating I will press charges. Please remove accounts immediately. Also XXXX acct # XXXX, never late on payment, and never late with account XXXX XXXX XXXX acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: SANTANDER HOLDINGS USA, INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
I am writing to you regarding my recent experience at XXXX XXXX XXXX XXXX XXXX in XXXX, GA, where I attempted to use a pre-approved auto loan from Chrysler Capital to purchase a vehicle. Despite providing all the necessary documents including proof of identity, proof of income, and proof of address, I was informed that I could not be provided a truth in lending statement or an approval for a loan without putting cash down on a car, regardless of which vehicle I chose. 



I would like to bring to your attention that this practice is in violation of federal laws, such as the Truth In Lending Act ( TILA ) and the Equal Credit Opportunity Act ( ECOA ). TILA requires lenders to provide borrowers with a written disclosure of all loan terms and costs before the loan is consummated. This disclosure, known as the Truth in Lending statement, must include the finance charge, the annual percentage rate ( APR ), and the total amount of the loan. Additionally, TILA prohibits lenders from conditioning the extension of credit on the borrower 's agreement to purchase property or services from a particular creditor.

ECOA, on the other hand, prohibits lenders from discriminating against applicants on the basis of race, color, religion, national origin, sex, marital status, or age. It requires lenders to consider credit applications based on the applicant 's creditworthiness and not on any prohibited basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 INCLUDED MY PERSONAL IDENTIFICATION WHICH IS MY LICENSE AND SOCIAL SECURITY CARD TO THIS COMPLIANT... 


The following accounts are fraudulent : 1. XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

2. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. XXXX XXXX Inquiry Date : XX/XX/XXXX Please remove it from my credit report. 

5. XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX Please remove it from my credit report. 



PLEASE SEE ATTACHED ALL NECESSARY DOCUMENTS

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 2018-08-18
Company: Sentry Credit, Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
SENTRY CREDIT INC is reporting a credit collection that I do not owe. I have never signed a contract or any thing with them. I do not know this company.

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 2018-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Sent in three dispute letters starting XX/XX/XXXXXX/XX/XXXX to all credit report agencys regarding accounts (   XXXX acct # XX/XX/XXXX ) ( XXXX acct # XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX acct # XXXX ) ( XXXX XXXX acct # XXXX ) accounts not mine please delete it. Put a fraud alert on my account due to my name being used, credit agency is not verifying these accounts. Just sent in a final letter XX/XX/XXXX, notarized stating I will press charges. Please remove accounts immediately. Also XXXX acct # XXXX, never late on payment, and never late with account XXXX XXXX XXXX  acct # 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 2018-07-25
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: Their investigation did not fix an error on your report

Complaint:
Prior to XXXX  XXXX XXXX incorrectly reporting my payment status for 8 months I had a higher credit score. After filing a complaint with CFPB I finally got the negative report corrected but my credit score never went back up. My score continues to be low despite the correction. I have called all three credit reporting agencies but to no avail.

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 2018-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Prior to XXXX  XXXX XXXX incorrectly reporting my payment status for 8 months I had a higher credit score. After filing a complaint with CFPB I finally got the negative report corrected but my credit score never went back up. My score continues to be low despite the correction. I have called all three credit reporting agencies but to no avail.

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 2018-07-25
Company: Experian Information Solutions Inc.
State: CA
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:
Sent in three dispute letters starting XX/XX/XXXX-XX/XX/XXXX to all credit report agencys regarding accounts ( XXXX acct # XXXX ) ( XXXX acct # XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX  acct # XXXX ) ( XXXX XXXX acct # XXXX ) accounts not mine please delete it. Put a fraud alert on my account due to my name being used, credit agency is not verifying these accounts. Just sent in a final letter XX/XX/2018,  notarized stating I will press charges. Please remove accounts immediately. Also XXXX acct # XXXX, never late on payment, and never late with account XXXX XXXX XXXX acct # 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 2018-07-25
Company: EQUIFAX, INC.
State: CA
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:
Sent in three dispute letters to all credit report agencys regarding account XXXX XXXX ) account is not mine, please delete it. Put a fraud alert on my account due to my name being used, credit agency is not verifying these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
At end of business on XX/XX/2018 my account was overdrawn by one cent and I was charged a {$35.00} overdraft fee because of that. They advertise {$5.00} overdraft pass but apparently since the item that overdrew my account by one cent was more than {$5.00} it triggered the fee. I asked for the fee to be returned at my local branch in XXXX, PA and XXXX said he would look into it on the next day and call me. He never called and never refunded the fee. I tried calling him and still never returned the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, 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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation