BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-13
Company: CITIZENS FINANCIAL GROUP, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair fr edit reporting act this creditor has violated my rights. Under 15USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: LEXISNEXIS
State: PR
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/XXXX I sent a Certificate Letter to LexisNexis ( XXXX in order to validate the accuracy of the account which reported by US Bankruptcy Court negative information : US BANKRUPTCY Acc. # XXXX Its been more than 30 days since received my certificate letter to complete the investigation, and as of today I havent received any answer from them. 


On XX/XX/XXXX I proceed to send other Certificated Letter : ( XXXX indicating that they had violated a Federal Law under the fair debt collection practice act, the fair credit reporting act and the corresponding local state law, by not replying in a timely manner to my initial letters. Once again, I never received a reply. 


I am filling this complaint because LEXISNEXIS has ignored my request to provide me the documents that their company have on file and was used to verify the accounts I disputed. In two different occasions they havent verified this accounts. Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be verified.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below see attach below with copies of the letters sent a proof of delivery by USPS.

Please, resolve this matter as soon as possible and thanks for your time and consideration. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX  and distress

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 2023-01-20
Company: CITIBANK, N.A.
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:
According to Public Law 116 - 136 - Coronavirus Aid, Relief, and Economic Security Act '' or the " CARES Act '', you are prohibited from furnishing adverse information during a covered major disaster period. The President has not declared the end of the national emergency, which means this is still in effect. I am requesting that you delete all adverse items of information on my report. More specifically, delete all of the adverse information furnished by Citicards CBNA from my credit file immediately. Per the cares act, no documentation of economic hardship is required. You are in noncompliance of federal law and you are civilly liable to me for XXXX the dollar figure specified under section 813.

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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, XXXX, and TransUnion have all investigated, contact, and decided that XXXX XXXX XXXX is reporting legally to my credit report but when a complaint was made to the Consumer Financial Protection Bureau and the XXXX XXXX XXXX about XXXX XXXX XXXX illegally reporting an account on my credit report, neither bureaus were able to obtain a response from XXXX XXXX XXXX XXXX XXXX XXXX, and TransUnion have made false investigations and continue to allow this legal account be reported on 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 non-monetary relief
Consumer complaint received 2023-02-13
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: Their investigation did not fix an error on your report

Complaint:
Equifax, XXXX, and XXXX have all investigated, contact, and decided that XXXX XXXX XXXX is reporting legally to my credit report but when a complaint was made to the Consumer Financial Protection Bureau and the XXXX XXXX XXXX  about XXXX XXXX XXXX illegally reporting an account on my credit report, neither bureaus were able to obtain a response from XXXX XXXX XXXX Equifax XXXX XXXX, and XXXX have made false investigations and continue to allow this legal account be reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Experian Information Solutions Inc.
State: OH
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 submitted information on several occasions. Once again, I am submitting proof of address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This is the some complaint I opened previously. They have not fixed it. They responded that I need to provide info to access my account. Ive done that EXACTLY XXXX times. In XXXX XXXX XXXX, after experiencing some identity theft, I signed up for XXXX XXXX XXXX through Equifax. Through some sort of technical glitch, I was locked out of my online credit report. I opened numerous tickets with them from XX/XX/2018 until XX/XX/2018 to no avail. I have tried many times over the past 5 years to resolve it but they can not fix it or are unable to resolve it. I basically gave up until about 6 months ago when I was working to clean up my credit before I applied for a mortgage. I've had tremendous success with XXXX and XXXX, but my credit report is still locked with Equifax, to the point that it can't even be pulled for the 3 credit reporting agency report. It still has old addresses and fraudulent information and is hurting my credit. I have called Equifax 6 times, opened 6 tickets and each time they try the same thing over and over on the phone and then have to " escalate '' to their technical team and I'm supposed to hear back from them in XXXX days. That's where the issue dies. NOT ONCE has anyone emailed me that they are working on the issue. The latest ticket number is XXXX and no one has called me after 21 days. They don't seem to know what the issue is and it's like they have just given up. I've spoken to at least 12 Customer Service Agents that try the same things but they have no clue as to the problem. They can't even recreate an account for me or unlock it. I need to get into my account and I've been LOCKED OUT FOR 5 YEARS. I have way too many emails and notes on the issue, but they haven't responded to me via email in 5 years. I've included a screenshot of the original emails that went NOWHERE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: DISCOVER BANK
State: CT
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 notified Discover that the name on the statement needed correction and without notification, the Card was charged off and reported to the credit agency as negative reporting. I understand that this is unlawful as the card was in dispute. I am looking for immediate correction to credit reporting. This is written in plain language to aid in your understanding. 
Thank You XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: Exeter Finance Corp.
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 see I have late payments on my credit report which is unlawful under code 15u.s.c1681a ( 2 ) ( B ) and need them removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: GA
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 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
Consumer complaint received 2020-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a copy of my credit report and found the following item ( s ) to be errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: EQUIFAX, INC.
State: IL
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Commentiy bank was contacted XX/XX/XXXX to file a fraud claim. The XXXX claim was resolved within 30 days. Zales has now been " reviewing '' my claim for 99 days. I have attempted to call them three times with the only answer being " we will contact the investigator ''. I have requested a call back from the investigator twice and never received any call back. This account was opened in Oregon. I live in Florida and have transactions in Florida at the exact same time as the purchases in Oregon. I have tried to explain this to Zales with no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a XXXX  home internet account that was paid in full when the service was canceled. The equipment was returned. I do not owe anything on this account. 

I have attempted to contact both the original creditor, XXXX XXXX and the collection agency, Amsher Collection Services . Amsher does not have any information about why XXXX claims there is a {$280.00} balance, and XXXX will not send me any documentation or accept payment unless I complete an " identity verification '' process that requires visiting a XXXX store. However, I am unable to complete XXXX 's " identity verification '' process because XXXX stores are unable to assist with home internet accounts that were opened online, as mine was.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Capio Partners, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I learned that Capio Partners had assumed a dept of XXXX XXXX that was carried on its books as overdue. I had paid the debt via my XXXX account on XX/XX/XXXX and according to XXXX XXXX XXXX XXXXXXXX XXXX ) it cleared on XX/XX/XXXX. I provided XXXX proof of payment back in early XXXX. I never heard from them again. 

After learning that Capio was attempting to collect this already-paid debt, I contacted them and provided proof of payment on XX/XX/XXXX. I assumed that they had closed this out because I did not hear back from them. 

I am trying to apply for a mortgage today and learned that they placed a derogatory note in my credit report in XX/XX/XXXX and I'm unsure if it's before or after my note to them with proof of payment. I spoke with them today and they said they'd research my claim of payment. My response to them is that they should have done this earlier when I gave them proof in XXXX, and that they're getting in the way of me getting a mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the transactions to be reported on my consumer report. I have filed an Identity theft report and mailed it certified with tracking number ( XXXX ) to Equifax in which they received it on XX/XX/2023 at XXXX pm requesting that the reporting of this information be blocked and deleted within 4 days of recieving my notice and ID theft report. My request to block this information is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is reporting incorrectly a collection in the amount of {$260.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and should not be reporting as a collection on my credit report. This inaccurate reporting is seriously harming my credit score and this line item needs to be removed. I have contacted the bureau to fix this however, I have not been successful.

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 2023-02-13
Company: Experian Information Solutions Inc.
State: NY
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2022-04-13
Company: Experian Information Solutions Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX  XXXX XXXX/ {$730.00} / XX/XX/2022 XXXX  XXXX HOSPITAL/ {$230.00} / XX/XX/2022

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: Colony Brands, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX ) MONTGOMERY WARDXXXX XXXX... XX/XX/XXXX... XXXX : {$310.00} XXXX ) GINNY'S/ XXXX... XX/XX/XXXX... XXXX : {$200.00} XXXX ) MONROE & MAINXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : {$100.00} XXXX ) XXXX XXXX OPENED... XX/XX/XXXX... XXXX : {$420.00} XXXX ) ASHRO/ OPENED... XX/XX/XXXX... XXXX : {$290.00} THESE ACCOUNTS WERE NOT MINE. I AM WORKING WITH FEDERAL TRADE COMMISSION, XXXX, XXXX, XXXX, AND XXXX. PLEASE SEND ME THE ORIGINAL COTRACT OF THESE ACCUNTS OTHERWISE PLEASE REMOVE THESE ACCOUNTS FROM ALL ( XXXX ) XXXX OF MY CREDIT REPORTS. I HAVE BEEN A VICTIM OF IDENTITY THEFT FOR OVER 20 YEARS. I AM XXXX XXXX XXXX, AND SOMEONE HAS KEPT ME FROM EVER HAVING ANYTHING. I WAS HAVING MY XXXX XXXX AT THE TIME OF THIS UNFORTUNATE WAS HAPPENING TO ME. I HAVE NOT APPLIED FOR ANY CREDIT WITH NO COMPANY SINCE FRIDAY ... XX/XX/XXXX. I HAVE NOT APPLIED FOR ANYTHING. I MUST GET HELP ABOUT MY ACCUNT. I HAVE BEEN IN EVERY BREECH THERE IS KNOW TO MAN. LIKE XXXX. I HAVE LOST SOOOOOO MUCH. I HAVE NEVER EVER BEEN ALBE TO DO ANYTHING WITH MY LIFE DO TO THIS. I AM A WIDOW 3 TIMES AND I AM OUT HERE BY MYSELF WHICH IS OK IF MY NAME AND SOCIAL WAS NOT USED FRAUDULENTLY. PLEASE HELP ME... THIS HAS BEEN GOING ON OVER HALF MY LIFE. ALSO CAN YOU CHECK TO SEE ... .WHY XXXX XXXX  NEVER REPORT MY MONTHLY PAYMENT TO THEM SINCE I HAD MY CAR ON FRIDAY ... XX/XX/XXXX. MY SCORE WOULD BE PERFECT IF THEY WOULD HAVE BEEN REPORTING MY PAYMENTS FOR OVER 5 YEARS NOW. AND YOU KNOW... ..IF I HAVE NOT BEEN PAYING ON THIS VECHILE FOR 5 YEARS NOW ... .THEY WOULD HAVE BEEN REPOSSED THE CAR. IT'S LIKE I CAME IN THIS WORLD TO HELP OTHERS, THAT IS WHY I BECAME A XXXX, TO HELP OTHERS. BUT LOOK WHAT IS HAPPENING AND WHAT'S BEEN HAPPENING TO ME OVER HALF MY LIFE. I AM A STRONG WOMAN BUT THIS HAS BEEN GOING ON SOOOOOOO LONG NOW, I DON'T THINK I HAVE ANY MORE STRENGHT TO KEEP GOING THROUGH THIS. I MUST FOCUS ON MY NEW LIFE THAT GOD HAS GIVEN ME. PLUS I'M GETTING READY TO GIVE MY SON A XXXX. PLEASE KEEP US IN YOUR PRAYERS AND WE WILL DO THE SAME. PLEASE FIX THIS ... THANK YOU GOD BLESS STAY SAFE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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: Their investigation did not fix an error on your report

Complaint:
XXXXXXXX XXXX XXXX account is reporting incorrectly. This is an ongoing and continuous violation of the Fair Credit Reporting Act. This situation is causing me undue stress and is a defamation of my character.

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