BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-13
Company: EQUIFAX, INC.
State: PA
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:
I respectfully call for your adherence to the Fair Credit Reporting Act ( FCRA ), a critical legal framework designed to safeguard the rights of American consumers concerning credit bureaus. In light of this regulatory context, I kindly request Equifax to take the necessary steps to omit the following account details from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I emphasize that the inquiry associated with this entity was not initiated by me. In accordance with the FCRA, which places substantial importance on the accurate and equitable representation of individuals ' credit histories, I implore your prompt attention and resolution of this matter. 

Your steadfast commitment to upholding the core principles of consumer rights within the realm of credit reporting is greatly appreciated. I look forward to your timely response and the corrective measures needed to address this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
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: Account status incorrect

Complaint:
XXXX administers our HELOC loan. On XX/XX/20, a XXXX representative gave us a payoff amount of {$340000.00} and all wire transfer information, told us that no more interest would accrue if we wired the $ that day, which we did. We later noticed on our XXXX account online, a remaining principal balance of {$170.00} and interest of {$230.00}. Because we had paid off the exact amount told to us by XXXX, we contacted them to dispute this matter. XXXX sent us a letter dated XX/XX/20 acknowledging this, advising that they'd work to resolve it, and that they will continue to follow up until there was resolution to our request. From that date until today, XXXX never again contacted us regarding our dispute. We, on the other hand, contacted XXXX repeatedly to follow up. I have copies of our cell phone bills showing 12 phone calls placed by us to XXXX. The calls total 355 minutes of OUR time, trying to resolve a dispute that XXXX vowed to work towards resolving. We then realized that a {$25.00} late charge as well as an additional unexplained {$50.00} fee was added to our account ( we had just paid the {$100.00} annual fee one month earlier and NO ONE from XXXX could explain the {$50.00} charge ). I was told that both fees would be removed because of the underlying issue. I consistently asked to speak with a supervisor. A couple of times, I was placed on hold and would then be disconnected. A couple of times, I was told that a supervisor would call me back. No supervisor or anyone else from XXXX ever called us back. Because I didn't want this to affect our credit, I tried making the payments that we were disputing online and by phone, but was not allowed to. We finally paid everything in full by wire transfer as required by XXXX ( at an additional cost through our bank ) and XXXX reported a late payment to the 3 credit bureaus, resulting in negative credit for us. XXXX FINALLY responded to me after I posted a negative comment on XXXX and issued me a letter advising that it submitted a correction to the credit bureaus removing the delinquent reporting. When I saw that the 3 bureaus still had the delinquent payment, I was told by XXXX to dispute this directly with the credit bureaus, which I did, TWO TIMES for each. The credit bureaus responded that XXXX reported to them that the delinquent payment was accurate, even though XXXX confirmed in writing to me that it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Citibank threatened not to return my money from closed account. They are withholding my money still. Each time I call, customer service keeps hanging up and telling me there is nothing I can do about this, and they will keep 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 2023-10-16
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX 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 resulted 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 identity theft!! Please delete these items IMMEDIATELY! 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 report under 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 consumer I am demanding the delete of the accounts listed 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 2023-03-13
Company: EQUIFAX, 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 havent given credit reporting agency permission to report anything on me. this account does not belong to me and it need to be removed now. i dont know why they are reporting without me having knowledge. i dont even know if these people are legal to carry this debt in texas XXXX who are these people.i demand that these people cease and desist reporting this and even communicating with me in any way. this is totally illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions 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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-20
Company: EQUIFAX, 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:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX  XXXX Balance : {$20000.00} ; XXXXXXXX XXXX XXXX Balance : {$260.00} ; XXXXXXXX XXXX XXXX Balance : {$140.00} ; XXXXXXXX XXXX XXXX Balance : {$11.00} ; XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX Balance : {$630.00} ; XXXX  XXXX Balance : {$490.00} ; XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Chex Systems is refusing to unfreeze my report for employment background check which means they may refuse to hire me. I need a copy of my report 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 explanation
Consumer complaint received 2020-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$2200.00} on the XXXX  partial account number XXXX. XXXX  is also reporting this account as ( 120 ) days late. ( Please see page attached from my credit report. ) I changed banks and contacted a representative at XXXX XXXX. I provided all of the new banking information for payment to this account. The bank never updated any of my information and consequently debits were being taken out of the old account. I was not aware there were any outstanding balances due, nor was I aware that lates were being reported on this account until I obtained a copy of my most recent credit report. This false reporting of a collection/charge-off, as well as late payments, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2023-10-16
Company: Experian Information Solutions Inc.
State: TX
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 kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2022-03-21
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I made a withdrawal of $ XXXX dollars on XX/XX/2021. I never recovered it yet Coinbase says they sent it and my bank never seen it. Moving along, my account has been compromised and no one is helping with that either. I keep getting emails to verify my account to regain access and I STILL get the same results. I just want my money back please and my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 submitted paperwork to XXXX, Transunion, and XXXX on XX/XX/2021 and I have yet to get a response stating the findings of the investigation into my credit report. The fact that this situation has my future on hold is frustrating. I need them to do their job and ensure my report is correct.

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 2020-02-13
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:
I was informed by my banker ( 20 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX  XXXX {$31000.00} XXXX XXXX {$0.00} XXXX/XXXX   XXXX {$400.00} XXXX/XXXX XXXX {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
All 3 credit companies have been notify several times that they are reporting Late accounts that were fraudulently charge I have notified the creditors and credit companies to remove these accounts from my credit profile I have also sent a letter to the credit card company Initiating my permissible purpose rite under the fair debt collection practice act to stop reporting late payment and to remove the credit reporting of those particular accounts please instructed credit companies to update my credit report accurately and remove all late and collection payments thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. I am complaining again to remove the items indefinitely Here are the Aforementioned items : XXXX XXXX XXXX .... Balance - ; XXXX XXXX XXXX XXXX... Balance {$4600.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX Date of request XXXX XXXX XXXX XXXX XXXX  Date of request XX/XX/ ; XXXX XXXX Date of request 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 2023-02-16
Company: CITIBANK, N.A.
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The Citibank Banking Products and Services Portfolio NXXXX XXXX was contracted with XXXX Citibank XXXX XXXX it was paid in full until the moment the bank client suffered a claim due to serious illness, the claim was filed on XX/XX/XXXX, it was I present the request for the Protection of the Client with Eleven ( 11 ) Clinical Histories and the coverage of the Portfolio of Banking Products and Services Citibank NXXXX XXXX : Products Covered with the Debtor Life Policy : Credit Check No.- XXXX, Coverage {>= $1,000,000}. 
TC City MasterCard N.- XXXX, Coverage {>= $1,000,000}. 
Citibank Visa Credit Card N.- XXXX. Coverage $ XXXX. 
*Total Product Coverage : $ XXXX. 

Policy XXXX XXXX XXXX, Certificate No.- XXXX, Coverage $ XXXX. 
Policy XXXX XXXX XXXX, Certificate No.- XXXX, Coverage $ XXXX. 
*Total Customer Coverage : {>= $1,000,000}. 

For Total Coverage : $ XXXX. 

XXXX Citibank XXXX XXXX and XXXX Only Paid Citibank Visa Credit Card XXXX XXXX. Coverage $ XXXX. On XX/XX/XXXX. 

Pending Payment Total Customer Coverage : {>= $1,000,000}. 
Total Product Coverage : $ XXXX. 
For Total Coverage Due : $ XXXX. 

XXXX Citbank XXXX and XXXX Abused My Fundamental Rights and My State of Defenselessness of My Wife and Minor Children in XXXX, their abuses continue XXXX, XXXX. They have the nerve to continue charging. 

It is reported that each product has an individual complaint in the CFPB, to force the individual and collective Solution of portfolio Citibank XXXX. 
Complaint ID : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
ERS Collection Company called my employer and left a message on my work voice mail that the call was coming from a debt collector. Leaving such a message not only violates Federal Law, but puts my work status at risk. I have not received a notice of debt, nor have I had an opportunity to file a dispute. I don't know if this is a scam or a real debt. I called the company at ( XXXX ) XXXX and spoke with XXXX XXXX and XXXX XXXX to complain about the call. I played the recording for XXXX XXXX, but Mr. XXXX stated he would listen to his internal recording. I have saved a copy of the voice mail and will make it available if requested. 

Mr. XXXX put me on notice that the call to my office recorded. I am in California, which is a two party consent state and I did not consent to being recorded. The fact that my voice or message on my work voice mail was recorded without my permission should be illegal. a

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am entitled to certain rights with regard to this account, and I am seeking your assistance in ensuring that these rights are upheld. 

Account Details : Name : XXXX XXXX Account Number : XXXX Collection Agency : XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/ I believe that the FCRA allows me to request the following information regarding the aforementioned collection account : Verification of the Debt : Please provide me with detailed information verifying the existence and validity of this debt. 
Copy of Original Contract : I am requesting a copy of the original contract or agreement that supposedly gave rise to this debt.

Payment History : Please provide a comprehensive payment history for this account, including details of any payments made, charges, and interest.

Name and Address of the Original Creditor : Kindly furnish me with the name and mailing address of the original creditor associated with this debt.

Proof of Ownership of the Debt : I am entitled to see proof that the collection agency indeed owns the debt and has the legal right to collect it, which should include a signed application with the consumer 's wet ink signature.

I understand that, under the FCRA, I have the right to request this information, and the collection agency is obligated to provide it. Moreover, I am aware that the collection agency must cease collection activities until this validation process is complete.

Please consider this letter as my formal request for the information mentioned above. I kindly request that you forward this request to the collection agency involved and provide me with a copy of the validation response within the statutory time frame specified by the FCRA, which is usually 30 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 explanation
Consumer complaint received 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
Account name XXXX : # XXXX, Account name XXXX : # XXXX, Account name XXXX  : XXXX, Account name XXXX : # XXXX Account Name XXXX  # XXXX, Account Name 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 a 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 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