BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Date Opened XX/XX/2017 Balance {$2500.00}

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 2021-03-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing these accounts which do not belong to me for a year but I feel like its to no avail I have opened an FTC report and have a notarized affidavit regarding identity theft for these accounts and still nothing. 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account # XXXX .... I am writing to dispute a fraudulent charge on my account in the amount of {$5.00}, XXXX. I am a victim of identity theft, and I did not make or authorize this charge an account was placed under my name erroneously. Since then, XXXX XXXX XXXX has damaged my name, and my credit XXXX XXXX XXXX has entered derogatory information into my credit file. I should not be responsible for XXXX XXXX XXXX mistake. XXXX XXXX XXXX has resource to enable accurate information about the clients inquiring new services. XXXX XXXX XXXX allows an account to be placed under my name erroneously. XXXX XXXX XXXX should verify all information prior to approving any application 's for services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION DISPUTE DEPARTMENT Syndicated Office Systems Address :  XXXX   XXXX   XXXX   XXXX ,  XXXX , FL  XXXX  Phone : (  XXXX  )  XXXX  IN RESPONSE :  XXXX  Your company have violated F  CRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.      A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.    The reference items are listed below please take this matter very serious  XXXX   XXXX  AND  XXXX  AND ANY OTHER ACCOUNT ASSOCIATED WITH THIS I have report your company to  consumerfinance.gov  As a form of record and I am prepare to sue your company  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX  Litigation, Case No.  XXXX , in the  XXXX   XXXX   XXXX  for the  XXXX   XXXX   XXXX  California Syndicated Office Systems Stop collection proceedings against me Signatures on applications and accounts Investigators report  XXXX ,  XXXX   XXXX  SEC #  XXXX  DOB  XXXX / XXXX /  XXXX   ADDRESS  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , FL  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
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 writing to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the name of the company below, and the dates the inquiry was made. 
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 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 2023-01-07
Company: BMW Financial Services NA, LLC
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I purchased a new BMW XXXX XXXX. The car was financed by BMW Financial Services. I have never missed a payment but I have taken advantage of XXXX payment deferrals and XXXX Covid related deferrals, totaling 8 monthly payment deferrals. Since around XX/XX/XXXX, I've been paying my payments through the XXXX XXXX with the exception of a couple times. Earlier in the summer of XXXX, BMW Financial claimed I was 90 days late. That surprised me but I thought well maybe I am, and I paid additional monies towards my loan in an effort to bring it more current. In XX/XX/XXXX, I received a letter from BMW Financial stating my loan had matured and I had an outstanding balance of more than {$10000.00} and that payment was due at once. This is in the peak of the height of used car values skyrocketing because of the chip shortage from Covid and manufacturers weren't able to produce new cars. My immediate thought on the letter was that BMW XXXX is acting in a predatory manner to wrongfully repossess my car because its value was approximately twice what I owed on it. The letter claiming my XXXX payment has to be more than XXXX times my monthly payment. Even though I thought I had this letter straightened out, and continue with my monthly payments of {$920.00}. I go to make my payment in XX/XX/XXXX and my debit card wasn't working. I call to make the payment and the representative, XXXX tells me my payment is 152 days late. This was impossible because I'd been making my payments all along. Before calling to make my XX/XX/XXXX payment, I had initiated buying a house and was in the process of getting a mortgage and discovered some errant reporting on my credit file by BMW that I was more than 90 days late. When I made the XX/XX/XXXX payment I also requested XXXX to get the information at the credit bureaus corrected. She had already identified the problems behind my payments being late as being made through the XXXX XXXX as being received but not applied on the dates by the App. I called yesterday to check on the status my request for the corrected credit bureau information. I spoke to XXXX, XXXX, XXXX, and XXXX. They all refused to provide me answers and released the calls. Today, I called and spoke with XXXX. He at least wasn't defensive and did listen. But nothing had been updated with the credit bureaus and even though I'm making regular payments I'm still continuing to be late day-by-day. I have every reason to believe BMW XXXX is acting in a predatory manner and making every attempt to fraudulently repossess my vehicle. I need CFPB to intervene to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a chase check for {$5000.00} from my father into my chase savings account. It said it would take one additional day to process because XXXX XX/XX/2022 was a holiday. On the XXXX of XX/XX/2022 there was a hold placed on it. They said he needed to confirm his identity via phone. He did this 5 times. I went to a branch and they tried to sort it out, saying that the hold on the check and restriction on my account would be lifted within XXXX minutes. XXXX hours later it was not. I went back and they aaid I was in queue to get the restriction lifted. I called and they then said my father needdd to go in oerson to verify his idenity. They XXXX  said this to me. On XXXX XXXX the funds were released and I initiated a transfer to take them out, which they said would be deposited XXXX XXXX XXXX they canceled it without notice. I went back to the branch and they said my father still needed to go in. He did. There is still a restriction on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent IRS No tice of Withdrawal of Federal Tax lien  to  XXXX ,  XXXX  and Experian to delete the entry from our records, and they have 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 non-monetary relief
Consumer complaint received 2017-05-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have NEVER been past 30 days late on my  XXXX  credit card and all   XXXX   agencies are reporting a late payment, this is wrong

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 2022-12-30
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, I sent you a letter to Afni INC after they placed an account on my credit reports without allowing me the opportunity to request validation of the alleged debt. They then sent me a letter providing me verification when I specifically requested debt validation not verification. On XX/XX/2022, I sent you a follow up letter asking that they validate the alleged debt by providing me legal documents, but they completely ignored my request and continue to report this alleged debt on my credit report. On XX/XX/2022, I sent another follow up, and I have yet to hear back from them. 

I need this account deleted from my credit report and for them to close it in their office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Professional Debt Mediation, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PDM is trying to collect on an alleged debt that is not mines nor owed. Also, they are not licensed to collect any debt in my state of Connecticut which they continues to try and collect and report on my credit file. I have submitted supported evidence to support my claims yet they fail to acknowledge. PDM continues to violate my rights as a customer by doing so. You will see in the attachment to this complaint how they are violating my rights under section 36 ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: CITIBANK, N.A.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a Citi credit card customer for 28 years. I have an active, recurring monthly charge on the card. Today ( XX/XX/2021 ), I tried to log into the account to see if the new monthly charge had come in. I see a message that says that the account is closed. I call Citi and they say that they sent me an email ( one only ) on XX/XX/2021 notifying me that cards without a US address would be closed on XX/XX/2021. I have two addresses on file, one overseas and one in the US, as I am back and forth between both countries. Citi confirms to me on the phone that they see the US address and notes that I had even updated it in XX/XX/2021 from one state to another. Yet, they still closed my account. They inform me that they will need to run another credit report to open my account ( closed for exactly one day! ) and that it will take 5 business days ( starting Monday as today is Saturday ) for them to investigate my address (!?! ). I tell me that my one monthly recurring charge will be booked in the next five days and ask for a solution. They tell me that I will just have to contact that company and have the charge booked to another credit card. There is so much wrong about this whole story ( only one email notice, a policy that would not seem to apply to me, lack of effort / empathy to offer a solution to a long term customer ... ), but it is just bad PR for the bank.

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 2017-05-08
Company: CITIBANK, N.A.
State: NJ
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:
Improper use of identity file without consent in violation of FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX  XXXX  XXXX https : XXXX XXXX purchased a debt of mine from XXXX. The debt dates to 2011 and was already removed from my credit report because it expired. 

XXXX XXXX put the zombie debt back onto my credit reports. Both trans union and XXXX  have refused to respond to my disputes and remove the expired debt 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 explanation
Consumer complaint received 2021-08-02
Company: Sequium Asset Solutions, LLC
State: IL
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:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Sequium Asset Solutions , LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( 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 2019-08-07
Company: RoundPoint Mortgage Servicing LLC
State: MI
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:
In XX/XX/XXXX the United States shut down causing myself and hundreds of thousands of federal employees to go without pay for approx. two pay periods or a month. I contacted my mortgage company and told them I wouldn't be able to pay XXXX 's mortgage and did they have any programs I could get into so I wouldn't show negative on my credit report because I had been working to improve my credit so that I could possibly refinance my mortgage. I was told that there was a program I might be eligible for and all I had to do was send in some documentation. I work in an office where I have access to fax machines and computers so I sent the information in several times and even had co-workers fax it in for me because ( Roundpoint ) my mortgage company kept sending letters that they hadn't received the documents. At one point Roundpoint even told me that they didn't understand the information I had sent them so I revamped that and sent it in. When I began getting frustrated with the stall tactics and the run around I was receiving I attempted to call and once I inputted my account number I was told that there was nothing I needed to do but wait until I was contacted. As the time was passing I continued to send all other payments on time while trying to get accepted into the program, finally three months out I spoke to someone that told me he could see that they had my information but if I followed through with the program my loan would be rewritten and things like the interest could change ; he advised me to find a way to pay the missed month to save time and trouble. By this time it is XXXX and I had already paid XXXX 's mortgage ( on time ) so I made an additional payment to catch up and to eliminate the stress I was going through. Up into this point I was reported as current on my mortgage, however as soon as I made the second payment Roundpoint reported my as thirty days late on my mortgage sending my credit plummeting making years of struggling for nothing. I had the same thing happen in XX/XX/XXXX while applying for a program then, but that incident I just let go. To make a long story short I really need this to be taken off of my credit report, first because it isn't true and secondly because it is unfair for Roundpoint to force me to stay with them through lies and manipulation. I contacted them and requested they remove the negative report and I was told that they were within their rights to make the report even though we had been working on this since 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