BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-26
Company: Experian Information Solutions 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 can not accept the presence of public records on my credit report. It is causing significant XXXX  and distress, and I implore you to remove them without delay.

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 2023-09-26
Company: Experian Information Solutions Inc.
State: TX
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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Bought a coffee maker advertised for {$20.00} made in XXXX by XXXX with delivery on XX/XX/2023, after paying they changed delivery date three times to XXXX and XXXX and said its coming from XXXX instead of XXXX, then changed sold XXXX instead of XXXX, I asked to cancel it right away, they failed, I said that I am no longer interested on it. Chatted with XXXX XXXX another liar. 

Tried to reach Capitalone, online they make it impossible to initiate a dispute, and they ask to be called, calls are not answered, when answered they say either to busy or they will return a call which never happens, making impossible to dispute a charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-27
Company: CMG MORTGAGE, INC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
CMG Financial I refinanced my home and CMG purchased the mortgage. They did not update the insurance company and subsequently my insurance was canceled. The company gave my insurance company the run around and it took nearly 3 hours of phone call between the 2 companies to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: TX
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:
This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-26
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I, XXXX XXXX, informed the Experian my personal information ( addresses ) were wrong on my credit report. 

I filed a dispute on XXXX To remove the personal information that I dont want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. According to 15 USC 6802. No financial institution is not supposed to share my information to third party people.

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 2023-04-13
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 
3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 
4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had 2 transactions in XX/XX/XXXX. For both for same merchant for {$3000.00} and {$2000.00} for a life time services of trading classes. The company got sued in XXXX and they were waiving some fee. I wrote them email inquiring about how its going to work and they said your framing debt has been closed and you do not have the services anymore. I had already paid XXXX in total and was only XXXX remaining. I try to reach them back to figure out if they are going to refund all the other charges and gotten no response. I told my credit company for a dispute since now its a fraudulent charge. The credit company did not get a respond from a merchant and did not help me. It was synchrony bank issued credit card called XXXX XXXX Managers name was XXXX he refused to give me his last name and was extremely unprofessional.

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 2023-10-22
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX, have an intent to file a lawsuit for FCRA violation against Equifax if after this complaint with the CFPB isn't fixed and needs to be escalated. It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent ( 12 ) previous letters to you, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so. 

Inaccurate Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are fraudulent inquiries still listed on my Equifax consumer credit report that I have been disputing in which Equifax has not opened an investigation and left the fraudulent information on my consumer credit report claiming it as a tracking record and a requirement of the fair credit reporting act. So, Equifax is admitting to the fraud being used by themselves as a tracking record however, under the false pretense that it is a requirement of the fair credit reporting act is false and I will file a claim in small claims court against Equifax if they dont remove these fraudulent inquiries listed on my credit report abve. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. 

I await your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a closed credit card with Citibank that I have been paying down for a couple of years but still have a balance due. I went to login tonight to make a payment like I have been doing faithfully monthly for years but forgot my password. I went to select reset password but it requires your credit card # to reset. Since my account is closed, I don't have the card and I have been paperless for years too so I have no way to get to the card #. I started a chat for assistance in resetting my password and they couldn't help since I didn't have my card # so they referred me to call a toll free number which again, required me to enter the last 4 digits of my card # I finally got a representative. That number routed me not to tech support but to a call center where an attendant proceeded to tell me that without a card # they can't reset my password and the only way I can make a payment now is through the mail or over the phone with my SSN. I asked if I mailed, how they could apply the payment if I couldn't reference an account # to which he said, they would not be able to assure me it would be applied. He offered no other solutions. I had no choice but to give my SSN to ensure my payment was posted before the due date. He then had me validate my name, address, security question answer, and name of the bank I make my payments from but still would not provide me with the Citibank account # so I could just reset the password. He told me if my account was closed that I had " limited access '' to services and that it was " regulations. '' Admittedly I was pretty irrate with the rep. ( he was professional throughout ). Why would any financial institution make it difficult for someone to pay them? I feel very uncomfortable having been forced to give all of my PII over the phone. I did advise him they were required to start sending me paper statements - that option was not offered to me and I have little confidence that I will start receiving statements and concern that I just gave all of that info. to a stranger.

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 2023-04-13
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2021 I disputed a {$1200.00} collection account that I requested to be validated.

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 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/XXXX XXXX The credit bureaus stated Account Name & Account # was properly investigated but how is that possible if they did not properly show me proof of a proper investigation. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report Accounts 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 2023-04-13
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: Information belongs to someone else

Complaint:
I submitted a letter to the XXXX Credit Bureaus to delete these unverified and unauthorized inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Experian Information Solutions Inc.
State: NH
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 tried to open a savings account. My application was denied due to Experian putting a freeze on my credit report. I tried calling them to unfreeze my report but could not reach an actual person. The automated messaging system did not give an option to unfreeze a report only to put a security freeze on your report. I called 6 different phone numbers for Experian and was routed into the same automated messaging system each time. I tried using their website to unfreeze my account. I entered all of my information and hit submit only to get a response back that states " We are unable to process your request '' and " If you need further assistance please call XXXX. '' This is the same number I tried calling in the first place. 

I believe that it is unlawful for a credit reporting agency to have this much control over my financial business without having any recourse with an actual person to resolve issues.

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 2023-10-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting 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 a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ATG has reported twice to my credit report for XXXX XXXX for two emergency visits XXXX for myself and XXXX for my minor son. We are on XXXX per the No SurpriseAct this illegal to try and collect such funds from a XXXX patient and or balance bill a XXXX patient. When I have brought this to their attention they told me that the debt was valid, they never sent me any documentation advising to this debt. They refuse to remove such debt even after the hospital as written this off for tax purposes and now are trying to collect double their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by XXXX XXXX XXXX XXXX by written letter- with an attempt to collect a debt. the notice was date XXXX XXXX, 2023 and stated I had until XXXX XXXX ( or 30 days ) to respond to the notice or additional action may be taken. 
this notice gave me an end date for the 30 day period to respond HOWEVER, " CBHV '' submitted this report to the credit reporting agencies in only 15 days ( sooner than on written communication ), ROBBING ME of the oppurtunity to address or rectify the alleged debt. 
This would be a violation of CFPBs debt collection rule, which states on your website once consumer receives the written notice as the initial communication, consumer has 30 days to dispute the debt in writing. This is considered abusive, unfair, and deceptive to XXXX me of the oppurtunity to verify this debt within the 30 day time frame allowed to do so. 
Under the XXXX Fair Debt Collection Practices Act, my legal rights to obtain verification information from a debt collector are during the XXXX period.

Company response to consumer: Closed with explanation