BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-08
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: Public record information inaccurate

Complaint:
XXXX has remove my bankruptcy from my report and remove it from XXXX as well but experian has refused to remove it XXXX XXXX XXXX  GA XXXX Reference number XXXX Bankruptcy XXXX  XXXXdismissed XXXX XXXX XXXX GA XXXX Reference number XXXX Record type Bankruptcy XXXX  XXXX dismissed XXXX XXXX XXXX GA XXXX- Reference number XXXX Record type Bankruptcy XXXX  XXXXdismissed XXXX XXXX XXXX GA XXXX- Reference number XXXX Record type Bankruptcy XXXX  XXXXdischarged I you look at the letter from XXXX it state that he dont suppose to be on my credit XXXX. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. 

The Gramm-Leach-Bliley Act requires you to develop privacy practice and policies and detail how you collect, sell, share and reuse consumer information. Also, consumers must be giving the option to decide which information, if any, a company is permitted to disclose or retain for future use.

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: Velocity Portfolio Group
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a fraudulent collection from XXXX XXXX XXXX XXXX aka CKS financial showing up on my credit report for {$770.00} which I have asked XXXX XXXX XXXX XXXX to provide a validation letter to me about so that I could express my civil rights to review the information and make any disputes. I followed up on XX/XX/23 by filing a complaint against XXXX XXXX XXXX XXXX on CFPB website due to harassing amount of unanswered phone call and lack of response or a validation letter upon original request. Even after requesting again for validation XXXX XXXX XXXX failed to provide me a validation letter and it has been well over 30 days. According to Section 1692g in Title 15 of the U.S. Code This section of the Fair Debt Collection Practices Act discusses a consumer 's right to have the debt collector validate a debt for accurracy. Collection efforts must cease while it's being investigated. I am now within my right to sue the collector. According to my legal counsel XXXX XXXX XXXX XXXX should not be reporting this erroneous collection on my report without even providing me validation or a chance to dispute it.

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 2023-12-02
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 have asked the CRAs to verify these accounts and they did not provide any documentation or proof. I have provided numerous police reports, proofs, and verification. They did not contact me nor did they verify it with me, the consumer. 

Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished.

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 2020-01-25
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I cancel my credit card account with Macy 's in XX/XX/2019 with credit card limit of {$4700.00}. After I cancel my account with Macy 's they lower my account limit so I would be over my account limit and charge me outrages interest on my account. i never was late on 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 explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I am writing to dispute certain information on my credit report that I believe is inaccurate. I am seeking a thorough investigation to rectify any errors and ensure the accuracy of my credit history. 

I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to request an investigation into the following information : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Please conduct a prompt investigation, provide me with the results, and make any necessary corrections to my credit report. As per the FCRA, I also request a free copy of my updated credit report after the investigation. 

Thank you for your attention to this matter and your commitment to maintaining accurate credit reporting. 

Sincerely,

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 2023-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: TX
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:
I've sent several letters out to Experian, XXXX, and XXXX regarding the reporting of inaccurate information reported on my credit report and the impact it has on my ability to help my family. Tracking number numbers : Experian - XXXX XXXX - XXXX XXXX - XXXX However, the credit bureaus said they completed the investigation, and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; roles of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 consumer 's 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. 

I would like to know who did they talk to. 

How did they complete this investigation?

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 2018-12-31
Company: Profit Services Group
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:
To Whom It May Concern : I have recently been informed that there is negative information reported by PROFIT SERVICES GROUP in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an inaccurate entry listings of {$770.00} & {$350.00}. I challenge the accuracy, compliance and reportability of these listings. ( Can not collect debts twice ) There are no contracts, no valid claim ... accounts were settled with original creditor ... grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. You must provide 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. Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2023-09-15
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Opened XX/XX/2023 XXXX XXXX {$990.00} My personal information was sold to this company and that is a violation to my FBRA rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX SS : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX ATTN EQUIFAX CREDIT BUREAU ( INFORMATION MISSING AND INCORRECT INFO REPORTED ) I am writing this to request a full investigation and clean up of my credit report. I believe I was a victim of your coding error this month and that is totally unacceptable. My current credit report contains multiple missing items and incorrect information! THIS INFORMATION MISSING AND INCORRECT IS AFFECTING MY CREDIT SCORE AND HISTORY. IT IS ALSO HURTING ME FINANCIALLY. 

I have requested a correction multiple times however every representative has failed to provide help. I am attaching a current report that I pulled showing my current report and have marked all of the items that need to be investigated. Per my FCRA rights, you are responsible for providing accurate information and if you fail to do so, you could be liable for damages. Below is a breakdown of everything that needs to be adjusted. 


PERSONAL INFORMATION Name - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Current Address - XXXX XXXX XXXX XXXX, XXXX XXXX Texas XXXX Previous Addresses - XXXX XXXX XXXX, XXXX Texas XXXX. XXXX XXXX XXXX XXXX XXXX Texas XXXX. 


MISSING ACCOUNT ATTACHED TO FILE INSTALLMENT ACCOUNTS XXXX XXXX XXXX, CLOSED, UNSECURED LOAN, BALANCE {$0.00} XXXX XXXX, OPEN, SECURED LOAN, BALANCE {$970.00} XXXX XXXX XXXX, PAID, SECURED LOAN, BALANCE {$0.00} XXXX XXXX  XXXX XXXX SECURED LOAN, PAID, BALANCE {$0.00} XXXX XXXX, XXXX LOAN, CLOSED, BALANCE {$0.00} XXXX XXXX, OPEN, CURRENT, BALANCE {$2200.00} XXXX XXXX XXXX, CLOSED XXXX SECURED LOAN, {$0.00} XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, BALANCE {$0.00} XXXX XXXX XXXX, SECURED LOAN XXXX PAID, BALANCE {$0.00} STUDENT LOANS XXXX ( STUDENT LOAN ) XXXX, BALANCE {$7000.00} XXXX ( STUDENT LOAN ) XXXX, BALANCE {$5500.00} XXXX ( STUDENT LOAN ) XXXX, BALANCE {$4500.00} XXXX ( STUDENT LOAN ) XXXX, BALANCE {$6000.00} RENTAL AGREEMENT ACCOUNTS XXXX XXXX XXXX RENTAL AGREEMENT XXXX, XXXX, XXXX DEROGATORY ACCOUNTS THAT WERE RE-ADDED WHEN THEY WERE PREVIOUSLY REMOVED WHICH IS A VIOLATION XXXX XXXX NEEDS TO BE REMOVED. 

I need a response ASAP. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: GA
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:
I am writing to complain to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX, and my social security number is XXXX. The FTC report number related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. 

As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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 2022-03-03
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have received letters that TD Bank has now 3 open checking accounts in my name, using my home address The account numbers are : XXXX first letter that my account was overdrawn received with a date of XX/XX/22 XXXX also overdrawn first letter dated XX/XX/22 XXXX also overdrawn dated XX/XX/22 acct ending XXXX has sent payments to XXXX XXXX via XXXX acct ending XXXX has sent payment to XXXX XXXX via XXXX acct ending XXXX has sent money to both XXXX XXXX XXXX XXXX and XXXX XXXX via XXXX bank transfer It appears that they are feeding one bank account into the others to keep sending money through XXXX and XXXX Bank maybe As a side note. I belong to a local XXXX XXXX called XXXX XXXX  XXXX XXXX and several members were discussing having the exact same thing happen with the same bank at the same time as me. The members name is XXXX XXXX XXXX XX/XX/22 and I'm going to try to attach the page here : https : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
Since the beginning of XX/XX/XXXX, I have received pre-paid debit cards that I have not applied nor have used for and application cancellation notices from financial institutions that I have established relationships and accounts with notifying me of accounts that were attempted to be established by someone who has fraudulently taken over my identity. Through these institution policies and technical advances, these accounts were stopped, and applications were canceled. However, the results of these attempts left inquiries on my credit report that were the result of fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
[ XXXX XXXX ] XXXX Subject : Notice of Dispute under 15 USC 1681 ( b ) Dear Sir/Madam, I am writing to dispute a late payment that has been inaccurately reported on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681 ( b ), I request an investigation into the matter. 

Account Information : Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Date of Inaccuracy : [ XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ] I believe that the late payment reported is inaccurate, and I request that you promptly investigate and correct this information. The FCRA requires that consumer reporting agencies and furnishers of information provide accurate and complete information, and any failure to do so is a violation of federal law. 

Please provide the results of your investigation and any corrections made to my credit report within the timeframe specified by law. I appreciate your prompt attention to this matter. 

Sincerely, [ 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 2023-08-17
Company: Velocity Portfolio Group
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was served Civil Lawsuit paperwork from a lawyer representing XXXX XXXX, XXXX. The lawsuit is for a little over {$7000.00}. I've never heard from anyone at XXXX XXXX prior to the lawsuit complaint. 

After requesting the documentation regarding the account from the lawyer it appears to be a loan taken out and then later sold to XXXX XXXX after default. 

I was not aware this loan existed, and have yet to be contacted by XXXX XXXX at all regarding this account. The only contact I have had was through the lawyer in the dorm of responses to court documentation requests.

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 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name, address, phone number, and other information is wrong on my credit reports.

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 2023-04-28
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Recipient, I am writing to inform you that there is an error on my credit report regarding late payments that were incorrectly reported by Barclay XXXXXXXX XXXX I do not recall making any late payments to this account. I also believe the FCRA XXXX allows me to remove collection older than 2 years, I have made several attempts to have Barclay XXXX XXXX correct this error with no success. I submitted requests for adjustment in XX/XX/XXXX and XX/XX/XXXX, but the issue has not been resolved. 


I am seeking your assistance in rectifying this error on my credit report. Please advise me on the appropriate steps to take to have this issue resolved as soon as possible. 


Thank you for your prompt attention to this matter. 


Best regards, 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