BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-22
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX Balance Owed : {$200000.00}

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 2020-04-07
Company: Freedom Mortgage Company
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There are specific requirements for disclosure according to the Truth In Lending Act. There are specific requirements for section headings that are not present in the mortgage form you use. The Partial Payment Policy was not disclosed in accordance with the Truth In Lending Act prior to consummation of the loan. In accordance with Truth In Lending Act, part 1026.31 ( c ) ( 1 ), the Partial Payment Policy is one of the disclosures that should happen three days prior to consummation of the contract. Periodic mortgage statements do not meet compliance with the Partial Payment Policy since they are post consummation. Therefore, your Partial Payment Policy was not communicated to me, in the required format, three days prior to consummation of the contract and is not in compliance with the Truth In Lending Act.

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 2022-05-05
Company: CITIBANK, N.A.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has validated my rights 15 USC 1681Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section:2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: Experian Information Solutions Inc.
State: CA
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:
I noticed that I was receiving a bill from XXXX specifically XXXXXXXX XXXX  credit bill. I initially thought it was some fake bill because I have never opened a credit card from XXXX store. I noticed the bills again in the next two months. I noticed my credit score going down, thats when I logged into experian, and XXXX to check where I found a number of revolving accounts, credit inquiries from banking institutions which I never requested for. I immediately called the credit bureau companies to report fraud on those credit inquiries and fake credit accounts opened under my identity. I was unable to free my transunion credit due to website errors but I will be calling them during business hours. 
In experian credit bureau reporting I saw the following credit cards opened in my identity which are not mine - XXXX. XXXX with a balance of {$8700.00} I also got hard inquiries from the company In XXXX credit bureau I saw the following credit cards opened in my identity which are not mine - XXXX. I also see XXXX XXXXXXXX account ending XXXX XXXX balance of {$8700.00} I also see a hard inquiry XXXX XXXX XXXX XXXX I have not opened the above credit cards neither have I requested hard inquiries from any of the above companies.

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 2022-12-22
Company: EQUIFAX, INC.
State: NC
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:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : [ # XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hello cfpb, the following list of dates and corresponding company names are fraudulent inquiries on my credit report that I did not authorize the companies to pull my credit and should be removed from my credit report. 

XXXX. XX/XX/XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XX/XX/XXXX - XXXXXXXX XXXX XXXXXXXX XXXX. XX/XX/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. XX/XX/XXXX - XXXX XXXX. XX/XX/XXXX- XXXX XXXX XXXX. XX/XX/XXXX- XXXX XXXX XXXX. XX/XX/XXXX - XXXX XXXX. XX/XX/XXXX - XXXX XXXX. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX. XX/XX/XXXX- XXXX XXXX XXXX. XX/XX/XXXX- XXXX XXXX XXXX. XX/XX/XXXX - XXXX XXXX. XX/XX/XXXX- XXXX XXXX XXXX. XX/XX/XXXX - XXXX XXXX XXXX. XX/XX/XXXX - XXXX - XXXX XXXX XXXX. XX/XX/XXXX - XXXX  XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX  XXXX. XX/XX/XXXX - XXXX FCU XXXX. XX/XX/XXXX - XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX - XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Thank you in advance, Respectfully, 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 2022-05-05
Company: Frank Innovations, Inc
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I applied for credit with Go Subscription , LLC dba GO Subscription, a car subscription company. The company advertises Customer eligibility as : Minimum credit score : XXXX, Minimum age : XXXX, Valid driver 's license, all of which I have, thus, making me eligible. GO Subscription ran my credit application and denied my application, simply stating via email : " Unfortunately, we are unable to approve your application at this time as it did not meet our eligibility requirements. Meeting these minimums does not guarantee approval. Exceptions can not be made. '' I contacted GO Subscription for further clarification and they were unable to provide any. I asked for an adverse notice, they informed me they do not provide these at this time. GO Subscription is offering credit to consumers but not providing them with specific details related to the rejection of applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: Berlin-Wheeler, Inc. (Kansas)
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report and saw a fraudulent account named Berlin-wheeler-ks, that was opened on XX/XX/2017. I have disputed the above with all three bureaus. The above mentioned is still being reported as a negative account trying to collect funds in the amount of {$98.00}. This is not my account and under the Fair Credit Reporting Act, this fraudulent account needs to be removed. The company I have hired to handle this issue, has recently informed me that an identity theft affidavit has just been sent off.

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 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: IN
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 2 months to no available. I have been disputing this/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 : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I placed an order on XXXX XXXX  to have lunch delivered to my work. I ordered it well in advance of when my lunch was scheduled. My food got delivered XXXX hours later and was unacceptable in that it was already degraded quality and not safe to eat since it's been in someone's car for XXXX hours with no heat lamp or anything. XXXX didn't deliver on their side of the deal that's supposed to have my food get to me still as fresh as it can be in the estimated timeframe. I contacted XXXX to get a refund, and they said since they have refunded me in the past when they messed up before, they wouldn't be able to anymore. So I guess a company can mess up 4 times and take care of it but then the XXXX time they mess up it's now on my dime, that's what XXXX told me. I tried to have my bank ( Chime ) dispute the charge but they said nothing was found wrong even though they never asked me anything. Chime took more than 30 days and never contacted me, just sent a bunch of automated emails to me on the matter. After the wait finally someone emailed me just to say they won't be reversing the charge. I appealed with some documentation and they still said no. I thought my bank was supposed to have my back but it seems Chime is ok with XXXX stealing from their customers

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Experian Information Solutions Inc.
State: CO
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:
Experian is showing XXXX on my report twice I paid this and one shows paid and one shows not paid.

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations. According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX  XXXX. Please remove these accounts ASAP.

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 2022-05-05
Company: Experian Information Solutions Inc.
State: WI
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:
Experian has been holding an inaccurate, fraudulent account on my credit report ( XXXX XXXX opploans, account number : XXXX ) for a long time now and refuses to remove it. This has brought trauma and hardship to my family. Ive submitted an FTC report, and disputed this account many of times. Please order experian to remove this account now!

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 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
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:
This is in regards to the account - XXXX XXXXXXXX : # XXXX and CFPB complaint for Transunion. 

I have sent notarized and certified mail to this company regarding the laws they have violated and requesting financial compensation for these violations. 
They have harassed me consistently by calling my phone and my wife 's phone, they have sent me dozens of letters requesting compensation and have went as far as updating the status on the account even though I have never spoken to them and this account is over 7 years old. 

Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. 

Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors, and I have been abused and deceived, so be it. 

Fact, XXXX is aware and has proof in attachment labeled as Exhibit A that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. [ C ] [ A ]. A debt collector may not communicate with a consumer in connection with a collection of any debt. 

Fact, XXXX is aware and has proof in attachment labeled as Exhibit A that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. [ B ] [ 2 ]. not state that such consumer owes any debt. 

Fact, XXXX is aware and has proof in attachment labeled as Exhibit A XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. [ B ] [ 5 ]. Not use any language or symbol on any envelope, or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection, business, or that the communication relates to the collection of a debt. 

Fact, XXXX is aware and has proof in attachment labeled as Exhibit A that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. [ D ] [ 2 ]. The use of obscene, or profane profane language, or language, the natural consequence of which is to abuse the hearer, or reader. 

I am requesting again that this account be removed from my Transunion report and that I receive {$1000.00} in compensation for each of the 4 federally protected consumer rights violations this company has committed ( 15 USC 1692 ).

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 2023-07-22
Company: EQUIFAX, INC.
State: IN
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 A VICTIM OF IDENTITY THEFT. I AM FILING THIS COMPLAINT FOR MYSELF TO REQUEST THAT YOU BLOCK THE FOLLOWING INCORRECT INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS FROM. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX//2023 ) 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