BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX XXXX XXXX  I made a payment regularly to XXXX XXXX  for my 3 credit accounts. I noticed the following month while trying to balance my checking account that the money did not come out. So I called to speak with a representative to get it fixed, I explained that there must have been an issue with the automated system as I have never missed a payment before or after on any of my 3 accounts. I was then told that i could not get direct information since i was not the direct account holder, which made no sense because I am an authorized user on this account. I let it go because the representative said that while they cant tell me details without my son being present even with me being an account holder, that the problem would be noted. 

I pulled my credit last month and noticed that it was not fixed! I have reached out to all 3 credit bureaus to try to get this resolved and also to XXXX XXXX who is saying they have no record of the call! 

Also there are two accounts that dont report consistently with the same account number. I have attached those as well.

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 15 USC 1681. 

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 non-monetary relief
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: CT
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 15 USC 1681. XXXX XXXX Account # 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
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved. 

from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information

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 2023-11-26
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
According to the CITI bank website ( screenshot attached ), I can receive a {$1000.00} bonus for opening a new checking account while maintaining a {$75000.00} balance for 60 days. To ensure the promotion can be applied correctly, I opened an account at the CITI Bank branch at XXXX XXXX XXXXXXXX XXXX XXXX NY, so that the process can be taken care of by a professional banker. I opened an account with CITI banber XXXX XXXX. I deposited {$75000.00} into the account on XX/XX/2023, maintained it for XXXX days, called CITI banker confirmed already met all the requirements for the bonus, and transferred out on XX/XX/XXXX ( screenshot attached ). However, the bonus was never delivered to me and XXXX said I was not eligible when I asked him again ( email attached ). I am not able to resolve this with local CITI banker XXXX XXXX, or CITI online chat.

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 2019-11-14
Company: EQUIFAX, INC.
State: WA
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:
Equifax ; XXXX  and XXXX  are incorrectly reporting a charge-off in the amount of {$5300.00} on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I did not apply for this account nor did a authorize the account to be opened. This is a fraudulent account and needs to be removed from my credit report. This false reporting of a charge-off that does not belong to me 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 request you to eliminate these records and update my credit report accordingly.

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 2021-04-06
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Commonwealth financial are reporting inaccurate and incomplete credit information. I am distressed that they included the wrong information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
TransUnion responded with XXXX XXXX XXXX investigation results dated on XX/XX/XXXX that TransUnion investigated the information disputed and updated it. The dispute letter I wrote specifically addressed the fact that TransUnion failed to enter the notice of Dispute from previous letters I sent them about false/inaccurate information. This violates FCRA Section 623 ( a ) ( 3 ) for failing to enter notice of dispute and this is pertaining to item " XXXX XXXX XXXX ''. 

TransUnion responded with XXXX XXXX XXXX investigation results dated on XX/XX/XXXX that TransUnion investigated this information and verified it as accurate when in fact it is clearly inaccurate. The date of Last payment says XX/XX/XXXX on TransUnion and XXXX says Date of Last payment is XX/XX/XXXX with the Date of Last Activity being XX/XX/XXXX but TransUnion says the Date of Last Activity is XX/XX/XXXX. THIS ACCOUNT HAS BEEN RE-AGED and Transunion continues to report INACCURATE information which is a VIOLATION OF FCRA SECTION 623 ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) for reporting information with actual knowledge of errors & reporting information after notice and confirmation of errors. TransUnion also reported that this information was VERIFIED on XX/XX/XXXX. TRANSUNION ALSO VIOLATED FCRA SECTION 623 ( a ) ( 3 ) which is THE DUTY TO PROVIDE NOTICE OF DISPUTE. 

XX/XX/XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Tracking # 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 2019-01-22
Company: Merchants Acceptance Corp
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My wife and I pulled all 3 of our credit reports to find out what was showing on them, as we hadn't done it in a long time. We were shocked to see accounts that we do not recognize, including companies we've never done business with. One of these was : Merchants Acceptance Cor The address listed on the credit report is : XXXX XXXX XXXX XXXX, WA XXXX The account number that they are reporting is " XXXX '' I was advised to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA . I have attached the letter with my complaint, for both my wife and myself. I mailed it " Certified Mail '' so that I would be able to verify that they received it. USPS.com tracking shows that it was delivered on XX/XX/XXXX at XXXX XXXX. I have also attached a copy of the " Certified Mail Receipts '' so that you can see the tracking of this letter. 

Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has been 54 days ( Today is XX/XX/XXXX ) and they have not sent me anything at all. I have given well over the 30 day window for them to correct this and validate this debt they're reporting, but they have not done so. 

Please note that before sending the validation letter to this company, we also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and Merchants Acceptance Cor have NOT removed this account from my credit reports, or have sent me any kind of validation. 

We request for this company to remove this account from our credit reports immediately, as they have not followed the law, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. 

Thank you for helping me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of 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 2019-06-28
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have attempted to use the Equifax website several times over a period of several months to temporarily unfreeze my account. In all cases I was able to correctly answer the questions posed to me ( on the website ). Yet, in every case, I have been instructed to call their toll-free number to speak to a representative. 

Early on, I obtained a PIN, which should make the process of freezing or unfreezing simple and quick. Despite having a PIN, I was required to answer numerous questions when I called in. 

I appreciate that it is critical to maintain the security of my account. However, some of the questions are unreasonable. For example, I was asked to provide the month and date when I first implemented the freeze. This was several years ago, and I have no idea when it was done, nor was I told ( at that time ) that it was important to keep a record. 

I was also asked what my job title is on my credit record. Obviously, I know my job title. But, I have no idea what's on my file. Apparently, the two don't match ( and I still don't know what's on my file ). 

I was also asked to provide the current balance on a credit card account which was no longer open. Note that this was *after* I had indicated that it was a closed account. 

My inability to provide correct answers prompted the agent to ask that I mail in hard-copy information. This was particularly frustrating when I was trying to *reinstate* a freeze. This procedural hurdle was preventing me from protecting my own credit in a timely fashion. 

I escalated this issue to the manager on duty, and it has been resolved. My complaint is that there is a systemic problem with Equifax. The fact that it has existed since at least XXXX of 2018 suggests that they are not making a serious effort to correct it. 
By contrast, I have had no difficulties at all with XXXX or XXXX XXXX. 

All of the credit reporting agencies heavily market paid services for locking your credit report. I find it suspicious that Equifax has a long-standing deficiency that makes it difficult for non-paying consumers to obtain rights which are due to them under law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/ I filed a complaint with CFPB that all my credit information has been blocked by Experian I said they are blackmailing me to pay them to build my credit even though I have had 20 different loans and credit cards over 27 years all with perfect history never missing a payment 100 % pay on time platinum level XXXX score!!! 

Experian has now allowed my credit accounts to be seen again but they are still blocking my score i was XXXX score and they telling me to pay them XXXXXXXX XXXX  a month to report my rent and utilities this in know way is legal or descriptive of my payment history like the XXXX I have borrowed and payed back without missing a single payment to a XXXX XXXX XXXX  over a term of 27 years!!! 

Experian says because I payed my account balances off none of this counts anymore plus Experian is now blocking me from buying a house because all three scores are needed to get a mortgage I am demanding my XXXX score be returned 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 2021-08-19
Company: OneMain Finance Corporation
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To whom it may concern, On XX/XX/2021, I received a telemarketing call offering credit repair services, the person on the line asked me basic question, then asked me to please hold for a specialist. In doing so that person never disconnected from the call while I was providing to the Specialist from XXXX XXXX XXXX. 

Shortly after, on XX/XX/2021 my XXXX XXXX  Checking Account was charged for XXXX dollars for several items of make-up. 

Also, on XX/XX/2021 my XXXX account was accessed without my consent. Upon my reviewing the XXXX account had fraudulent purchases. I reported this issue which was resolved. 

As of current I reviewed my credit report and noticed that during the same time frames there were several fraudulent inquiries : * One Main Financial XX/XX/2021 * One Main Financial XX/XX/2021 * XXXX/XXXX  XX/XX/2021 * XXXX/XXXX XXXX XX/XX/2021 I am requesting that all these Fraudulent inquiries be moved from my credit report immediately from all Personal Credit Reporting agencies specifically XXXX, XXXX  & XXXX. 

Please send me any communication on this matter directly to my email below. 

Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Letter was sent XX/XX/2022 from XXXX XXXX XXXX / XXXX. Amount : XXXX theyre demanding the amount is to be received by XX/XX/2022. The name signed by XXXX XXXX, director of operations. 

I told them i dont have that amount by that date and can only offer {$800.00} and they refused to agree. They told me if I couldn't pay the amount, they threatened me thag it would damage my credit report from them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Experian Information Solutions Inc.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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