BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-06
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: Information belongs to someone else

Complaint:
This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my cr
edit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX Balance : {$3700.00} Date Opened : XX/XX/XXXX and XXXX XXXX XXXX XXXX Date 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 non-monetary relief
Consumer complaint received 2023-02-11
Company: EQUIFAX, INC.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I submitted a previous complaint to XXXX about this issue, however the complaint was ignored as their response appeared to be in response to a separate complaint. Therefore I am resubmitting the complaint with TWO SPECIFIC QUESTIONS that I except XXXX to respond to : 1. I was a perfect customer of yours for 3 years of a lease, never missing a payment. When the lease was finalized in XX/XX/XXXX, I turned in the vehicle and bought a different make from the dealership. Then much later, in XX/XX/XXXX, XXXX charged me a fee and said they would have waived it if I had gotten a XXXX. Nine months earlier, nobody mentioned this fee or offered to waive it if I got another XXXX. Also, ignoring the fact that I have a receipt showing I pre-paid the turn-in fee, my question is this : why does XXXX think its appropriate to take 9 months to invoice a customer, then while that customer attempts to call-in and confirm the accuracy of the charge, XXXX instantly begins reporting late payments to the credit agencies? Why can XXXX take an unreasonable amount of time to submit an invoice, and not afford the customer a single day to understand where this charge is coming from ( especially when XXXX was unresponsive during the pandemic and it was difficult to receive responses )? 2. The process to have XXXX honor the terms of the agreement was extremely unpleasant. After months of attempting to get through to XXXX, I realized it was not worth my time and effort, so I decided to simply pay the invoice ( for the second time ). I spoke to a representative who confirmed any negative remarks would be removed from my credit report if the fee was paid. Therefore, I paid the fee and provided proof of payment to XXXX. Unfortunately they continue to ignore this payment. So the question is : why do you ignore this payment and refuse to update the remarks to the credit reporting agencies? While it was unethical to immediately report late payments to your seriously delinquent issuance of the fee, it is absolutely immoral and illegal to lie about not receiving payment. Since the actual complaint questions have been ignored in the past, I just want to reiterate so there's no confusion about what questions XXXX should be responding to : 1. Why can you take 9 months and issue a delinquent invoice, but the customer has no time to confirm the accuracy? 2. Why are you refusing to acknowledge that payment was made, even though I have submitted proof of payment made on XX/XX/XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: EQUIFAX, 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:
A unknown suspect has been using my identity. My name and social security without my permission. When I reviewed my credit report I observed two loans ( XXXX XXXX XXXX ) and three credit cards ( XXXX XXXX  and two XXXX  XXXX cards ) that I did not apply for or authorize. Also I observed two other unknown suspicious accounts. The loans, cards and two other unknown accounts were applied approximately a year ago or longer. I have took action and filed a police report with my local police department. Please remove these fraudulent unknown suspicious accounts from my report as soon as possible. 

MEDICAL DEBT XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
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 am writing to express my dissatisfaction and frustration regarding the multiple unsuccessful attempts to correct the late opening of my account with Credit Bureau. My account was expected to be opened, but despite my persistent efforts to rectify the situation, it remains unresolved. 

Initial attempt to open the account was made, but I encountered an issue with the process. 

Numerous calls were made to customer service, each time receiving assurances that the matter was being escalated and would be resolved urgently. 

Despite these efforts, the late opening of my account has caused inconvenience and frustration. I have patiently cooperated with your representatives, but the lack of resolution is unacceptable. 

I understand that errors can occur, but the repeated assurances without tangible results are disappointing. As a customer, I expect a higher level of service and a timely resolution to such matters.

I kindly request the following actions : Immediate investigation into the root cause of the issue.

Transparent communication regarding the steps being taken to resolve the problem. 
XXXX that this issue will not affect my account 's functionality or standing once it is resolved. 
Compensation for the inconvenience caused during this period. I appreciate your prompt attention to this matter and expect a resolution within the exact timeframe from the date of this letter. I am asking for your assistance to correct the late open account : XXXX XXXX XXXX XXXX Balance : {$4500.00}.

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 2023-02-18
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had to move out of my apartment because of military XXXX AND work XXXX ( XXXX  ) during COVID. I used rent relief program to pay for my rent before I left. The rent relief payment went through and was cashed but I was still got charged and the bill was sent to collections without any notification. No mail, no email, no text message, no phone call. I checked my credit report and found bill in collections after I received email from Rent Relief that debt was paid. They promised to delete the collections from my account once I fixed their mess within 30 days and then all they were willing to do was report the debt paid to the collection agency. They refuse to remove the collections from my credit report. The attached documents are all the proof/email messages and receipt of payment made by Rent Relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-08
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
ON XXXX XXXX TOLD ME THEY WILL NOT CONTACT ME ANY MORE TO MY PHONE NUMBER XXXX. UNFORTUNATELY, ON XXXX CREDIT MANAGEMENT SENT ME XXXX ILLEGAL AND UNWANTED TEXT MESSAGES TO MY PHONE NUMBER FROM THEIR PHONE NUMBER XXXX. I HAVE ALREADY TOLD THEM TO STOP CONTACTING ME BUT THEY CONTINUE TO CONTACT ME WITH THEIR ATDS. THE TEXT MESSAGES I RECEIVED FROM THEM WERE NOT SENT BY A HUMAN BEING BUT AN COMPUTER PROGRAM THAT STORES MY PHONE NUMBER AND SENDS OUT MESSAGES AUTOMATICALLY.

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 2023-02-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no knowledge of this account. This information appears on my credit report as a result of 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 2021-07-30
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : TD BANK USA/TARGETCRED Account Number : XXXX Date Opened : XX/XX/2016 Balance : XXXX Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I deposited money with Coinbase after completing all verification processes including identification. They took my money and allowed to purchase XXXX currency with it. Now they have restricted my account by not releasing funds or allow me to transfer my XXXX elsewhere. They have had me do the ID verification 3 times now and tell me they have no idea when I will be granted access to it. They gladly and quickly took my money and now won't allow me to access it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: LA
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 asked the credit bureaus to do a verification on my credit reports and they did. They stated everything was accurate. I did a thorough research myself and found some improper inaccurate after they did the thorough investigation. In accordance with the FAIR Credit Reporting Act. These creditors has violated my rights. 15 U.S.C. 1681 section 602 A states, I have a 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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were deleted from XXXX and XXXX but, still appears on my Experian reports and I would like all my reports to reflect the same by deleting them. I have been waiting for a response from the credit bureaus. Spoke to a Representative at XXXX on XX/XX/2023 and he assured me that these items was deleted and he will be sending me an update credit report. Again I need all 3 credit reports reflecting the same deletions which they are not.

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 2022-04-11
Company: EQUIFAX, 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:
XXXX - XXXX Reporting inaccurate information. This is a FCRA violation. I was Never late on XXXX, XXXX or XX/XX/XXXX or anytime!!!!!!!!! This account has always been deferred/suspended. This is an error. XXXX is aware of the error and told me the only way to correct this error is to file a dispute with the credit bureaus and they would not respond and the matter should be corrected. I did just that and for months no correction. I have been XXXX for several years and XXXX is aware of it. XXXX told me to complete their XXXX worksheet and I would not owe since I am XXXX and cant work. I have never once paid a dime to XXXX but all of a sudden I am 30-90 days late. XXXX nor the credit bureaus have not provided me any proof Ive asked for validating why they are reporting wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
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 a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX has violated my rights. Regarding alleged account # XXXX 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 : Also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 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. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : states that a consumer reporting agency should Block and remove information in 4 days.

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 2023-11-30
Company: EdFinancial Services
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have tried multiple times to log into the servicers website : https : //edfinancial.com/login. I tried several times at the end of XXXX, literally the XXXX, and the site would not allow me to log in or register a new account. Recently, I was able to create a username and log in possibly on Monday evening, XX/XX/XXXX. I saved the information in a commercial password vault and tried to log in today to pay my bill. It is XXXX CST. I kept getting an error code, and whenever I attempt to contact customer service through the website I get an error code after clicking the link. This error message is familiar because it shows up every time I have attempted to pay my bill in good faith. 
This needs to be fixed.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX  XXXX XXXX / {$2100.00} / XX/XX/XXXX This debt is too old to be on my credit report. There are inaccuries in the dates reporting. The date this account was closed was XX/XX/XXXX. But then its also reporting a payment in XXXX which is inaccurate. I did not make any payment to this company after the closing of the account in XXXX. The account should have been off my credit as of XX/XX/XXXX. According to the Fair Credit Reporting Act as well as the statue of limitations

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 2023-11-29
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I set up auto pay with Edfinancial for when my student loans resumed. The XXXX payment went through without an issue. I decided to change the account from which the payment is debited. After the payment was not debited I emailed the company at least twice w/o a response. I tried their chat option on their website - no agents available during their customer service hours. I called and reached a rep who said my payment that was supposed to be debited the XX/XX/XXXX had gone through the XXXX and to give it several business days. After several days went by I called again and they told me i had been lied to that there was no pending payment. I have now cancelled auto pay because this company can not get their act together. I'll pay it monthly on my own. But after I finally did a one time payment, I now get a lovely email from the Dept of Education about a missed payment notice. This is INSANE!!!! Maybe the Dept of Education could contact Edfinancial about how inept they are. I want an acknowledgement letter from Edfinanical verifying that i was told incorrect info about my auto pay and an apology for the hassle this has caused.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

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