BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-11
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Im a consumer a natural living man. All debts are obligations of United States. I did not give any consent. I did not get the full disclosure to opt out. I do not consent to the share in of my non public information. This is a transaction and experience that took place between XXXX XXXX XXXX and I and its no ones business. Why is it on my report there using the credit report to extort me, defame my character and tarnish my credit worthiness. There furnishing deceptive forms. XXXX XXXX has XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I am submitting additional documentation to support my dispute against Transunion Credit Bureaus process of handling one ONLINE dispute per month. This credit bureau is not compliant with the FCRA and it does not allow for current and accurate monthly credit reporting updates to be made by the consumer, therefore they are causing issues with the consumer public at large on updating their own credit information. No other credit bureau such as XXXX or XXXX prevents a consumer from issuing more than one dispute at a time on unrelated credit accounts! Transunion is also taking additional time up to 15 more days to update one account dispute at a time, thereby extending their investigations past 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 2023-03-07
Company: EQUIFAX, 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:
Based on 15 US Code 1681c-2, a consumer reporting agency can 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 no later than 4 business days after dispute receipt.

Per 15 US Code 1681b ( a ) ( 2 ) -permissible purpose, I never gave written permission to any reporting agency to report anything on my consumer report. This violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am requesting the deletion of the following and attached accounts immediately.

15 USC 1681 Section 604-states rights to consumers privacy Reporting agencies can not furnish an account without my written consent!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy a d confidentially under 15 USC 1681. Account XXXX XXXX  has violated my rights. 15 U.S. Code 1681 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. According to the FRCA the term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of the account is still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything must be 100 % Accurate. I have the credit report showing the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: FL
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: PA
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: Was not notified of investigation status or results

Complaint:
I filed an identity theft affidavit with a police report number around XX/XX/2023 to show i was a victim of identity theft the company did not take the proper steps by law to resolve this matter.

Company response to consumer: In progress
Consumer complaint received 2021-10-13
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV Funding LLC is attempting to collect a fraudulent debt from me. The fraudulent debt was originally purchased from XXXX XXXX. I have asked for the original contract, payoff disclosure, balance history, payment history and credit insurance history. To date I have not received said items. My credit score has been negatively impacted by the harmful practices of LVNV Funding LLC ( Re-aging credit accounts ). I am requesting that CFPB corrects the wrongs of the collection agency and restores my credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! 
I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. 
My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX. 
Also, my current address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX is not accurate and should be removed immediately. 
I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate. 
Please do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate! 
I look forward to your written response confirming your compliance on this matter as well as an updated 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 non-monetary relief
Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: NY
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: Problem with personal statement of dispute

Complaint:
I am asking can XXXXXXXX XXXX remove adverse information off my three consumer credit reports ( XXXX, Experian, and XXXX ) concerning a one time 30 day late payment in XX/XX/XXXX XXXX I missed this payment because of then COVID-19 cutbacks on time and staff at my place of employment and its has been having a adverse effect on my three consumer credit reports ever since. This one time missed payment is lowering my credit score substantially. In an effort of goodwill I am asking can this adverse information be removed from my three consumer credit reports by XXXX XXXX. This is the only missed payment on my credit report and my XXXX account is closed.

Company response to consumer: In progress
Consumer complaint received 2023-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting 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:
I recently received an email saying that I had a hard credit check on my account from Capital One. I have not signed up for anything with Capital One Bank. They said there was an inquiry on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, 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:
This is a complaint against XXXX. After months of calling, leaving messages, and agents tellng me that Manager will call me from XX/XX/2022, todate I have not received any calls from XXXX to resovle this matter. 
Because of XXXX  MISTAKE IN INCORRECTLY REPORTING AN ACCOUNT WHICH SHOULD HAVE NOT BEEN ON MY CREDIT REPORT, MY CREDIT SCORE DECREASED BY XXXX POINTS. JUST LAST MONTH ( XXXX 2022 ) XXXX REMOVED THIS ACCOUNT FROM MY CREDIT FILE, THOUGH ITS REMOVED, MY CREDIT SCORE POINTS HAVE NOT BEEN RESTORED. 
XXXX  NEGLIGENCE AND IGNORANCE CAUSED ME A LOT OF FINANCIAL, HOUSING, SUFFER EMOTIONAL DISTRESS. 
XXXX REPORTED FALSELY TO DOJ AS WELL, AND TO DATE HAVE NOT FIXED MY CREDIT SCORES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: CNG FINANCIAL CORPORATION
State: GA
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 have been a victim of identity theft and accounts were opened fraudulently by utilizing my personal data. Im highly upset with the level of inaccurate thats being display on my good credit. All I do is work and care of my home, so there was never a need to add any of these consumer accounts to my consumer report. I wish to have this matter resolved and removed immediately. Ive filed a criminal case with the police department regarding this matter. Documents are attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Nationwide Recovery Systems, Ltd
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Im a consumer a natural living man. All debts are obligations of United States. I did not give any consent. I did not get the full disclosure to opt out. I do not consent to the share in of my non public information. This is a transaction and experience that took place between XXXX Recovery/ XXXX and XXXX and its no ones business. Why is it on my report there using the credit report to extort me, defame my character and tarnish my credit worthiness. There furnishing deceptive forms. XXXX RecoveryXXXX has XXXX a XXXX. Its discrimination

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: EQUIFAX, INC.
State: PA
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XXXX, XX/XX/2023, the balance on my checking account ( all pending transactions accounted for ) was about {$940.00}. In the afternoon on the same day, I used my debit card to make a purchase for {$45.00} at my local supermarket. When I checked my balance about an hour later, the balance on the checking account was about {$410.00}. Based on my basic math and arithmetic skills, a {$45.00} transaction can not bring down a balance by {$470.00}. I said to myself, let me give Citibank ( the bank I use for my checking account ) a few days to post this " invisible transaction '' that lowered my balance to {$470.00}. I called Citibank yesterday ( XX/XX/2023 ) 3 times ; the first 2 times the calls get mysteriously drop when I am explaining the situation to them. As of today, XX/XX/2023, the {$470.00} is still mysteriously gone from my account with no corresponding transaction. The money just vanished into thin air and Citibank can not provide an explanation as to why the money is missing. I have printed all recent statements and also printed a list of recent transactions to support my claim. Keep in mind that Citibank has a habit of " ghosting '' funds from my account prior to the statement closing date. They " take '' their bank fees at least 5 days before the statement closing date. Those funds would be missing from the account without any corresponding transaction. Monthly service fees range from $ XXXX, so I let all these small invisible transactions go away without filing a complaint. But this {$470.00} invisible transaction has made me miss my rent payment which was due yesterday. This is how Citibank treat XXXX  who patronize their 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 2023-05-15
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-12-04
Company: NAVY FEDERAL CREDIT UNION
State: GA
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 have been a victim of identity theft and accounts were opened fraudulently by utilizing my personal data. Im highly upset with the level of inaccurate thats being display on my good credit. All I do is work and care of my home, so there was never a need to add any of these consumer accounts to my consumer report. I wish to have this matter resolved and removed immediately. Ive filed a criminal case with the police department regarding this matter. Documents are attached to this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: IL
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation