BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-20
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:
014 XXXX XXXX XXXX Letter on Unfair or Deceptive Credit Practices. ... The FTC Act and the Dodd-Frank Act continue to prohibit unfair or deceptive acts or ... NCUA may determine a statutory violation exists, depending on the facts and ... 

ftc violations

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 2023-04-24
Company: LEXISNEXIS
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I've reach out to Lexis Nexis in XXXX and XXXX of 2023 they have refused to give me a copy of my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
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: Information belongs to someone else

Complaint:
SEE ATTACHED Identity theft victim. I sent Experian a fully executed identity theft packet via certified mail receipt enclosed that has been received but not abiding in accordance with the law or the consumer, detailing what had occurred, and all account associated instead of following the law this company continues to violate victims.

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 2022-02-17
Company: EQUIFAX, 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:
CHILD IS NOT A REVOLVING OR AN INSTALLMENT DEBT. CHILD SUPPORT DOES NOT ISSUE CREDIT CARDS OR LINES OF CREDIT, THEREFORE IT CAN NOT BE A REVOLVING DEBT. CHILD SUPPORT HAS NEVER GIVEN ME A LOAN. CHILD SUPPORT IS NOT AN INSTALLMENT DEBT. CHILD SUPPORT HAS NEVER ISSUED TO ME ANY CREDIT, THEREFORE HOW CAN THE DIVISION OF FAMILY SERVICES HAVE A LIEN ON MY SOCIAL SECURITY NUMBER. MY CHILD 'S MOTHER HAS NEVER AGREE TO HAVE ME IN BONDAGE TO THE DIVISION OF FAMILY SERVICES. THIS IS UNLAWFUL AND IS TOTALLY AGAINST THE FEDERAL TRADE COMISSION. I ASK SOMTHING BE DONE ABOUT THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
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:
Problem is credit bureaus have inaccurate information on my credit report such as dob telephone number and address

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 2023-04-24
Company: EQUIFAX, INC.
State: GA
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 natural person and living human being that has rights under 15 USC 1681.

It is clear that Equifax which is governed by 15 USC 1681 has violated my rights via their Data Breach and Fake Score admission. 

What is most egregious is that Equifax had not only violated numerous consumer rights but my privacy rights, too. They have given my personal information to third parties without my written consent. 

It is very clear that they have committed identity theft. 

I do not trust Equifax because it is clear that they have used my information for personal gain and have a complete disregard for my well-being personally. 

They are not looking out for my best interest. 

I have been financially, emotionally, and psychologically violated and I want restitution immediately by the removal of the following accounts from my credit report. 

See the attachments for proof of such facts. 

Also, here are the following consumer laws that Equifax Knowingly and Willfully Violated : 15 USC 1681 Accuracy and Fairness of Credit Reporting 15 USC 1681 ( a ) ( 1 ), ( a ) ( 2 ), ( a ) ( 3 ), ( a ) ( 4 ) - This one includes the right to privacy 15 USC 1681b Reasonable procedures 15 USC 1681b ( a ) ( 2 ) - in accordance with the written instructions of the consumer to whom it relates. 

You will also find, via attachment, the info. about my Equifax Data Breach and Equifax Fake Score admission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
From XX/XX/XXXX to XX/XX/XXXX, I discover several fraud charges that was not made by me totaling to about {$1200.00} when I log into my sear account. 
Here are all of the charges : -- XXXX XXXX : XXXX XXXX XXXX  {$190.00} -- XXXX XXXX XXXX XXXX XXXX XXXX  $ {$28.00} -- XXXX XXXX : XXXX XXXX  {$94.00} -- XXXX XXXX : XXXX XXXX {$230.00} -- XXXX XXXX : XXXX XXXX XXXX   XXXX  XXXX {$47.00} -- XXXX XXXX : XXXX MI XXXX {$54.00} -- XXXX XXXX XXXX XXXX XXXX XXXX  {$40.00} -- XXXX 1 : XXXX XXXX  XXXX XXXX  XXXX  {$64.00} -- XXXX XXXX : XXXX XXXX XXXX  {$79.00} -- XXXX XXXX : XXXX XXXX   XXXX {$55.00} -- XXXX XXXX : XXXX XXXX XXXX {$30.00} XXXX XXXX XXXX : XXXX XXXX {$100.00} -- XXXX XXXX : XXXX XXXX XXXX XXXX XXXX {$99.00} -- XXXX XXXX : XXXX XXXX   XXXX {$94.00} I have filed a police report and talk to the customer service and they agree to remove these charges. However, in XXXX, I saw these charges on my account again  and received a letter saying my claim was deny because of I somehow benefit from these transactions? I then call the investigator of the case and he claim he cant remove the charge because I have to be physically at these locations to make these fraud transactions which doesnt make any sense since I never make any transactions at any of these location before. I refuse to admit to any of these charges that I never made and willing to go to a full-blown investigation if I must.

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: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to file a formal complaint against Experian, one of the major credit reporting agencies, for their failure to adhere to Metro 2 compliance and for their violation of the Fair Credit Reporting Act ( FCRA ). Furthermore, I wish to express my concern regarding Experian 's lack of response to my previous complaint lodged with your organization. 

On XX/XX/23, I submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) concerning inaccuracies in my credit report and Experian 's refusal to rectify the situation. Despite my earnest efforts to address this issue, I received no information or acknowledgement from Experian, a clear violation of their obligation under the FCRA to conduct a reasonable investigation into consumer disputes. In fact they just keep sending me verified emails, which is interesting because I asked them to provide proof showing where I gave them permission to report this information onto my consumer report. They do not investigate or provide any information, they just send me a verified email 3 days letter with no explanations. 

My concern with Experian 's non-compliance with Metro 2 reporting standards arises from numerous inaccuracies in my credit report. Experian has failed to ensure that my credit information is accurate and up-to-date, which has had a direct impact on my financial well-being. These inaccuracies, which include [ specify any specific issues ], are causing undue financial harm and undue stress on my part. 

I kindly request that the CFPB investigate this matter and take appropriate action against Experian for their repeated non-compliance with Metro 2 standards and their disregard for the FCRA. I am seeking a resolution that includes the prompt correction of the inaccuracies in my credit report, as well as punitive actions against Experian for their failure to adhere to legal requirements. 

I appreciate your attention to this matter and request that you provide me with updates on the status of this complaint. My previous experience with the CFPB has left me disappointed, and I hope for a more effective response to my concerns this time. 

Thank you for your prompt attention to this important matter.

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 2022-03-27
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The bank is holding my money and refuse to give it to me, due to it not being a business account. Its been almost a year in a few weeks since this has been going on. They wont let me close it and its XXXX $ in there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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: Account information incorrect

Complaint:
XXXX XXXX is reporting a charged off account on my credit reports that is inaccurate. The information regarding this reported account is verifying inconsistent information between each bureau and is reporting inaccurate information. The reporting balance they say I owe is invalid, as well as the last reported date of payment and activity on this account. If all of the credit bureaus receive their information from the same place, how are they all reporting inaccurate and inconsistent information? It is illegal for the consumer reporting agencies to not conduct a full and proper investigations regarding disputes and it is their responsibility to verify and report ACCURATE information on a consumers report. I am requesting that this account is deleted from my credit reports now!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SPS is in violation of RESPA and acting in bad faith regarding a real estate transaction. At issue is a short sale request that was submitted on XX/XX/. SPS then countered based on a drive by property analysis which is NOT valid with lived in homes. We then supplied written documentation stating this property was improperly valued as a 3 bedroom and their value was inflated. We advised them to act in accordance with RESPA and contract guidelines they are required to do an interior and to take into consideration the illegal additions which must be removed. SPS is refusing to do an interior and they laughably put in the notes they only consider what they can see in the photos which is literally the outside of the home. This is gross negligence and incompetence regarding a financial matter. SPS should be significantly fined just like XXXX XXXX as they are harming homeowners.

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: MD
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:
Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file 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 explanation
Consumer complaint received 2023-07-29
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2022-03-27
Company: EQUIFAX, INC.
State: NC
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
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 received a letter in the mail that I had file for bankruptcy sometime last year. I was shocked on why I was receiving this letter. I didn't think much of it and I thought it could of just been a mistake. Then I received another letter stating the same thing. I then quickly began to believe my identity had been stolen. I started to investigate a little more and I pulled my credit for myself I saw a ton of accounts that I never open and three bankruptcies under my name. These accounts and bankruptcies are not mine. Please remove all these fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
1. American Express website was difficult to navigate in terms of disputing transactions in previous billing cycles. 

2. XXXX charged me the same transaction of XXXX thirty times. 

3. I would like 29 of those transactions refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-27
Company: Experian Information Solutions Inc.
State: OH
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:
Ive called to Experian and requested to have old addresses removed from my report. According to the Fair credit reporting act I have the ability to dispute these erroneous mistakes of addresses that are causing these negative items that do not belong to me to report on my credit. This is causing me great harm and stopping me from getting my home. I want these addresses removed 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 2020-03-20
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a Citibank Priority account in XXXX in US through their website. Immediately after I opened my account, I had to travel to XXXX for work. I had accessed my account couple of times and things were fine. 

Recently I found that my account was locked, I called the Citi bank US personal banking customer care to unlock my account. Due to the corona issue, I generally need to wait for about 10-15 minutes before I can speak to the customer care agent. 
The representative asks me a couple of questions ( SSN, address, account balance, account opening date, account time, all the account holders name, etc ) for which I reply. Then they ask me for the account number or the debit card. I don't have either of them, since I had traveled to XXXX before I could get my Debit card of my first statement. 

They tell me that there are only the following ways in which I can get my account unlocked : 1. Come to any Citi bank in US and show my identity - like passport or Driving license. This is not possible now, because of the corona issue going on now.

2. Get access to Debit Card or statement - These are currently stuck in my mail box in USA and I'm here in XXXX. I cant travel now to get the mails. 
3. One of the agent told me that I could try to get myself verified with the Local Citi Bank ( XXXX branch ) and ask them to send an email, but when I checked with them, they stated that they would not do it. 

I call the customer care to explain my situation and that the options provided to me are not viable at this time, but they don't see to care. I tried asking them to provide me an email address or get me transferred to a higher officer who could help, but they are unresponsive and cut the call.

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 2023-07-20
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
( XX/XX/23 ; XXXX ) I received a scam call from the PNC Bank Customer Service Line . They informed there was a fraudulent charge through the XXXX XXXX. I told them I made no charge through XXXX. After activating the XXXX account while on the phone with the scam caller, there was one transaction already made on the app, to XXXX XXXX. Talking further with the scam caller, they informed me that to refute the charge, I had to send {$100.00} labeled as " void '' to be able to refute the first charge. I argued with them on why it needed to be done and they tried to reassure me that they were PNC Bank, but referring to the phone number on the back of my card, stating it matched the number they called me from. Once I confirmed the number, I asked more questions about why I had to send money, and from what was said, it sounded like some of the things the bank told me in a ( XX/XX/23 ; XXXX ) earlier phone call about other fraud charges that resulted closing my card on the same day. I have tried to dispute the charges multiple times ( XXXX XXXX XXXX XXXX XXXX ). On a phone call today ( XX/XX/23 ) was essentially told I am at fault by their Escalation Department and they do not protect scam, even though one payment of {$59.00} was not made by me. I will admit I sent the {$100.00}, as described above was apart of the process in refuting the transactions. Neither PNC Bank or XXXX will help me in receiving my money back, even though I have explained I do not know who the money was given to and I was called from the PNC Bank Customer Service Line. I have also been told that PNC Bank is not affiliated with XXXX, yet they have a personal link to XXXX in the PNC Bank mobile app and receive promotional emails from PNC Bank to use XXXX through their mobile app.

Company response to consumer: Closed with explanation