BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-02
Company: Experian Information Solutions Inc.
State: MO
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:
Experian, and XXXX  are reporting unverified collections accounts on my credit profile. I have no contract with any of the listed creditors below. I was not provided any existing contract or proof of this account belonging to me. 

XXXX XXXX XXXX Last reported : XX/XX/2019 {$1500.00} XXXX AND XXXX Last reported : XX/XX/2019 {$1100.00} XXXX AND XXXX Last reported : XX/XX/2019 {$1100.00} XXXX AND XXXX Last reported : XX/XX/2019 {$1000.00} XXXX AND XXXX Last reported : XX/XX/2019 {$730.00} XXXX AND XXXX Last reported : XX/XX/2019 {$710.00} XXXX XXXX XXXX Last reported : XX/XX/2019 {$600.00} XXXX XXXX XXXX Last reported : XX/XX/2019 {$600.00} XXXX AND XXXX Last reported : XX/XX/2019 {$500.00} XXXX XXXX XXXX Last reported : XX/XX/2019 {$160.00} XXXXXXXX XXXX XXXX Last reported : XX/XX/2019 {$160.00}

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 non-monetary relief
Consumer complaint received 2022-08-09
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:
In accordance with the Fair Credit Reporting act the following collectors, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Acoount # XXXX, has violated my rights. 

XXXX5 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 2022-10-04
Company: Experian Information Solutions 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 following list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX have violated my privacy rights as a consumer. 

I have a right to privacy 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 2023-06-28
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: Their investigation did not fix an error on your report

Complaint:
I'M A VICTIM OF IDENTITY THEFT. THIS IS MY 4TH REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Their investigation did not fix an error on your report

Complaint:
XXXX stated verified but is reporting alleged account 2 times on credit report violation, XXXX Profolio recovery and XXXX bank fail to respond to documents requested stating they do not have to send them false enclosed AFFIDAVIT OF FAULT Portfolio recovery and XXXX ten days to respond back or any alleged obligation they think we have is null and void there after reporting without validation is a violation actual documents not hearsay paper work thats your opinnion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 am writing to formally dispute and register a complaint regarding the repeated inclusion of inaccurate addresses and collections on my credit report. These inaccuracies have caused me significant distress and have adversely affected my creditworthiness. I have attached a copy of my credit report highlighting the disputed entries for your reference. I have identified several instances where incorrect addresses have been associated with my credit report, as well as collections that I believe have been inaccurately reported. These discrepancies have not only been a source of frustration but have also hindered my ability to access credit and secure favorable financial terms. I would like to emphasize that I have never resided at the addresses in question, nor do I have any knowledge of the collections listed on my credit report. These inaccuracies are causing unwarranted harm to my creditworthiness, and I am committed to ensuring that my credit report accurately reflects my financial history. I kindly request that you conduct a thorough investigation into these discrepancies as required by the Fair Credit Reporting Act ( FCRA ). Specifically, I request that you : Verify the accuracy of the addresses listed on my credit report and promptly remove any addresses that are not associated with me. Investigate the collections listed on my credit report and verify their legitimacy. If any of these collections are found to be inaccurately reported or not mine, please remove them immediately. I also request that you provide me with a written response within 30 days of receiving this complaint, outlining the actions taken to correct these inaccuracies. If you require any additional documentation or information from me to facilitate your investigation, please do not hesitate to contact me. Please assist me to delete these following inaccurate addresses and collection 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 non-monetary relief
Consumer complaint received 2023-04-19
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: Account information incorrect

Complaint:
XXXX and XXXX XXXX have reported balances on my report that were unauthorized by me. I never received d XXXX form requesting to use my information in any other way than to obtain the credit line I already secured through our contractual agreement. Therefore, I will need my balance reported to always reflect {$0.00} owed, as well as on time payments for the remainder of our business relationship.

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 2023-06-18
Company: Experian Information Solutions Inc.
State: FL
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:
It has come to my knowledge that this loan company has been doing fraud within my account. Multiple information is incorrect and I have notified the company so that they understand that they are garnishing my credit. It is reported on my credit report that my last payment was for {$340.00} in XX/XX/XXXX. XXXX, that I have a remaining balance of {$10000.00}, that my payments were XXXX XXXX monthly and that the terms are 74 months. The months reviewed are also off. On XXXX it shows XXXX, on XXXX, it shows XXXX I also noticed that there has been an increase in the XXXX XXXX on XX/XX/XXXX it was {$6700.00}. Today, XX/XX/XXXX, it shows {$7100.00} May I also add that my balance seemed to decrease slowly every month however, I made no payments.

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 2022-01-03
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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 and XXXX XXXX have reported balances on my report that were unauthorized by me. I never received d XXXX form requesting to use my information in any other way than to obtain the credit line I already secured through our contractual agreement. Therefore, I will need my balance reported to always reflect {$0.00} owed, as well as on time payments for the remainder of our business relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: CL Holdings LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I went on the website from the letter to review the account. 

I was offered XXXX choices : XXXX. Pay the balance in full in XXXX payment today. 
XXXX. Pay the balance in full in XXXX payment in 30 days XXXX. Settle the account with the below offers *Pay off this account with XXXX payments of {$850.00}. This represents approximately a 55 % discount. TOTAL OF OFFER IS MORE THAN BALANCE DUE. BALANCE DUE IS XXXX, AMOUNT REQUESTED IS XXXX ( claiming to be a 55 % discount ) which is a XXXX increase, not decrease. 
*Pay off this account with XXXX payments of {$150.00}. This represents approximately a 50 % discount. Total offer is {$940.00} *Pay off this account with XXXX payments of {$150.00}. Total offer is balance in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: VA
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:
When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX, and XXXX are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable following items below : XXXX XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX : {$23000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX XXXX : {$24000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$24000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00}

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 2018-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted transunion on XX/XX/2018 to dispute inquires listed below because i was victim of their " inquires Issue '' and they refused to remove it. There for i come to you with hope you can help me to remove the following inquiries and delete them completely from my credit INQUIRIES XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX XXXX XXXX ( REMOVE ) XXXX XXXX ( REMOVE ) XXXX XXXX XXXX XXXX XXXX ( REMOVE ) XXXX XXXX ( REMOVE ) To delete they said they would not help

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 2022-04-06
Company: EVERBANK, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My CD account was matured in XX/XX/XXXX. Then There was a period of 10 days for me to give a instruction to renew or not. I called TIAA BANK and told them to close my CD account and transfer my money to my account in other bank first time in XX/XX/XXXX. And I sent a firm with account detail information by email to TIAA BANK in XX/XX/XXXX. But they didn't process my requirement and renew my CD account for another 5 years. Then the bank manager told me that there would be a penalty of about XXXX dollars if I close my CD account. The CD amount is about XXXX dollars. 

The TIAA BANK specialist, XXXX XXXX got my phone call and the filled form of transferring money from my CD account of TIAA BANK to other bank in XX/XX/XXXX. 
I thought she had processed my instruction But she postponed my instruction and hold my money in TIAA BANK. I sent the form twice to her by email at that day. 

As there was not any feedback, I asked her to process my instruction and sent the form twice by email in XX/XX/XXXX again. I still thought she had already processed my instruction but still did postpone my requirement. Later, she told me she had already transferred my case to other colleagues to process it in XX/XX/XXXX. 

As I still could not see my money transferring, I called TIAA BANK again. An operation consultant of TIAA BANK, XXXX XXXX, ( She is a lier ) told me there would be a penalty of XXXX dollars if I closed my CD account. I told her I sent my requirement before my CD renew. She said she would talk to her manager, XXXX XXXX, about my case, and she promised to call me back in 30 mins and send me an email at same time to tell me the result. BUT, she did not call me back and send email. I waited for her from XXXX XXXX to XXXX XXXX, my local time. When I sent an email to her to ask why later she said she forgot!!! 

I called TIAA BANK again. XXXX XXXX, a lead consultant, rudely told me there would be a penalty if I close my cd account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chime online banking. 
Reported false credit report to the credit bureaus and refuse to correct their mistakes. I have filed a few complaints and requests for Chime to correct their mistakes and report the correct information to the credit bureaus since XX/XX/2022 and instead of them correcting this issue they have decided to terminate my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My name is MXXXX XXXX XXXX XXXX and I have held a Citibank account for a couple of years now. Recently, there has been unauthorized withdrawals, reversals and evident banking calculation errors. I do not have co signers on the account and individuals working for Citibank request entire card numbers, account numbers, my entire social security # XXXX, address and maiden names to FIX their deliberate banking calculation errors. Citibank blames their system and a representative XXXX whom always picks up my line XXXX claims " it's my man, it's my name or starts yelling incessantly, or why is he with you and not me! '' Recently XX/XX/2021 the erratic representative named XXXX picked-up the line for Citibank and reversed {$89.00} for an incidental stay on XX/XX/2021 at an XXXX. XXXX claimed the woman, hence I, was dead. I told XXXX I was not dead and do have an ACTIVE Citibank account. Furthermore, I did not authorize the reversal of the {$89.00} and a woman named XXXX gave me a 21 digit complaint number for account THEFT. Then today XXXX my card was overcharged by {$3.00}. The representative XXXX  and XXXX requested that I provide them sensitive information to gain access to my account. Citibank sent and email stating that XXXX, XXXX, XXXX and XXXX were Citibank frauds. Please help Citibank correct and hire reputable account calculation managers. 
I Ms. XXXX XXXX XXXX # XXXX am currently a guest in XXXX Florida XXXX. My number is XXXX if you would like to reported the fraudulence of XXXX, XXXX, XXXX and XXXX posing as Citibank workers to the federal bureau of investigation or the authorities.

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 2023-06-28
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Meade & Associates, 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: Account information incorrect

Complaint:
This complaint is in regards to medical debt collections by Meade & Associates, XXXX XXXX XXXX, XXXX XXXX, Ohio XXXX. 

The outstanding debt was fully paid using their online system and after payment I was shown a " payment request was received '' screen. Money was then debited from my bank account the same day. I reached out to them to acknowledge receipt of payment, however I have not gotten any response. 

I opened disputes with XXXX and XXXX days later to get the amount updated on my credit report, however, despite receiving full payment Mead and Associates refused to update my credit report and responded to the dispute stating that the amount owed is correct and no payments have been made, which is blatantly false. 

It is unlawful and a violation of the The Fair Credit Reporting Act to knowingly provide inaccurate information to a credit reporting agency, but it appears as though that is exactly what Meade and Associates have done, while also ignoring my communication requesting payment receipt. 

I understand the credit bureaus will be removing paid medical collections from consumer credit reports in XXXX and would like to request that either the amount be updated or the now paid collection account be removed immediately from all credit reporting agencies. 

I will be attaching documentation showing payment screens on Meade and Associates website, the request for a payment receipt, the payment transaction in my bank records showing the amount paid equals the amount owed and the results of the dispute with XXXX showing the false validation provided by Meade. 

Please assist in any way possible to get this matter corrected. No consumer should be subjected to false information being reported on their credit report, especially when they've paid the balance owed in full. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation