BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/2023, I began the process of communicating with XXXX, Equifax, and XXXX to address MAJOR inaccuracies on my credit report AND my credit file. Despite these repeated attempts, all 3 CRAs continue to disregard my letters and my dispute submissions via their respective online portals. As a result, I continue to be financially disadvantaged and harmed by all 3 CRAs for their repeated negligence and recklessness in regards to their poor maintenance of BOTH my credit report and credit file. It has also caused my FICO score to drop to the low 500s and caused me to be denied credit by several potential creditors. Specifically, XXXX, Equifax, and XXXX continue to violate 15 USC 1681 ( e ) which states in part, that the CRAs are required to " assure MAXIMUM POSSIBE ACCURACY ''. My credit report AND credit file are different and none of them are accurate across all 3 CRAs. Specifically, I have 1 address ONLY and have only lived in 1 state which is New York. Yet, all 3 CRAs list addresses in CA and PA none of which are mine. Despite numerous letters sent to all 3 CRAs other addresses continue to be misattributed to my credit report and credit file. I have also sent a notarized police report AND notarized FTC identity theft report as evidence that my identity was stolen yet all 3 CRAs have ignored these legalized documents and violated my federal rights.

Additionally, all 3 CRAs continue to report inaccurate transaction history in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) which is under " Exclusions '' to the consumer report and states in part that information pertaining to the " transactions or experiences between the consumer and the person making the report ''... Thus all 3 CRAs are in violation of this code by continuing to include the financial transactions and financial history of the credit accounts on my report. Additionally, all 3 CRAs further violate both of these codes by reporting inaccurate balances because they never include the cents amount ALONG with the dollar amount of those alleged balances and transaction histories. For example, I attempted to dispute this with XXXX however I was prevented from doing so on their website ( see attachment ) and it prevented me from doing so. XXXX and Equifax have locked my account, respectively, on their websites so I am unable to continue disputing these inaccuracies online.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 was a victim of the XXXXXXXX XXXX breach. I want these items, delete it from my credit reports as you can see the CAPB actually deleted them because I was a victim of this data breach. 
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit report effective immediately I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

list of all the negative accounts from my credit reports 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 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 2022-10-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received your response XXXX XX/XX/XXXX that you need my updated email address which is ( XXXX ). I sent a complaint on XX/XX/XXXX to remove the following items : that are XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX CALIFORNIA XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX Date of inquiry:XXXX ; XXXX XXXXXXXX XXXX  Date of inquiryXXXX ; XXXX XXXX XXXX of inquiryXXXX XXXX XXXX  XXXX Date of inquiryXXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry:07/08/2021 UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint. I am including it again.

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 2021-07-19
Company: CITIBANK, N.A.
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 paid a retainer to a law firm on XX/XX/XXXX after having a XXXX call with several representatives of this law firm that said that they could offer legal representation on my family law court case filed in XXXX. After payment of the retainer fee I realized after talking and texting to representatives of this law firm that I was mislead to the services that I would be receiving and purpose of engagement could not be fulfilled and the issue was not addressed that I already had another attorney that they did not contact as they said they would. 
I used four different credit cards to pay this retainer. I filed a dispute with the four different credit cards. One credit card I used was an XXXX XXXX XXXX card and the dispute was final with a provisional credit issued to my account. When I filed the dispute claim they said it was good that I paid with a credit card. 
I have been speaking with several of your representatives over the course of the last few months. I have sent in documentation as requested which was really just my pleas to possibly get this law firm exposed as a scam. 
I have found out that your dispute investigator works outside Citi so they can be unbiased. I'm not sure that my billing rights have been upheld in this dispute process since it is with a law firm. Do you even have a process for a law fee paid by credit card? 
When I spoke with billing dispute representative one time they said they hadn't reviewed the documentation I had sent in yet. One representative said often customers have said they didn't even think that dispute had read any documents from customer only contacted merchant. 
I asked for an invoice from the law firm that is supposed to be provided if there is a service rendered and then deducted from the retainer fee but that can not be provided because there were no legal services provided. 
My account has always been paid on time and with full balance paid each month but now I have a balance of just the disputed amounts and additional fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
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 have recently received a copy of my credit report and I have noticed some items that do not belong to me. My fianc and I are having our first child and are trying to purchase our first home but these items have been hindering us. Please remove these items. 

Fraudulent accounts ( XXXX XXXXXXXX ) Fraudulent inquiries XXXX date of inquiry ( XX/XX/XXXX  ), XXXX date of inquiry ( XX/XX/2022 ), XXXX  XXXX date of inquiry ( XX/XX/XXXX  ), XXXX  date of inquiry ( 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 non-monetary relief
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
As of XX/XX/2023, I have sent letters asking the reporting agencies to remove incorrect addresses as well as my name that is reporting incorrectly. In the letter, I asked that this information be corrected and that I receive a letter stating it has been corrected but when I pulled my report, this information has not been corrected nor have I received a letter stating they have done so.

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 2023-06-16
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: Reporting company used your report improperly

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

The letters are stated with items and issues.

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 non-monetary relief
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: VA
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-03-15
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: Their investigation did not fix an error on your report

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
In 2017 we canceled our card due to fraud and requested a new one. We continued to make payments on the account but they were only applied to new charges on the new account, resulting in the previous account being charged off as bad debt. This was all due to an internal glitch at Citi which was eventually resolved on their end, but negative credit reporting still exists. Please see attached correspondence..

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 2023-11-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: 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 these accounts 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX  XXXX  XXXX Balance : {$190.00} XXXX XXXXXXXX Balance : {$17000.00}

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 2019-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX The account was paid in full {$85.00} on XX/XX/2019. As of XX/XX/2019 they show that the account was closed as a charge off not paid in full. This is hurting my credit. They told me it would show up as a paid in full account. Paid by Bank card. Have bank statement if needed. Want account to show paid in full not a charge 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 2023-12-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
I was successful at meeting my previous modification terms. 
I was advised to try GA Mortgage Assistance Program ( Marred by a frasulent process ) via several representatives, however was informed this program was. In XXXX I turned in the notarized and signed modification apication, however went through many months uncertainty as I was not allowed to make payment on the mortgage. The representative asked if I had reserves to pay XXXX, XXXX, XXXX, etc, which I was able to confirm. 

I proceeded to XXXX XXXX to endorse the application for the medication. As I've mentioned before, I was never able to verify the modifications existance by looking in my electronic file. Currently am in forclosure, Investors have bombarded me for the last 4 months with hundreds of Robotic phone calls, Notes on my door, money left at my door and going as far as peeping in my windows. 
This has been a traumatic experience for me, and I have been on the edge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: IL
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 received my credit report onXX/XX/XXXX and notice there were hard inquiries that dont have permissible pourpse to be on there. These hard inquiries are hurting me from getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that dont have permissible purpose to be on 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 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 explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: AR
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:
Inaccurate information being reported as verified. Improper investigation. And reporting closed accounts. I get a proved for anything and it's my families quality of life financially. I'm a XXXX percent XXXX veteran in financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: NJ
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 identified information that appears on my consumer report that is a result of identity theft. 

the below transaction is not mine XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number : 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 2023-11-14
Company: Experian Information Solutions 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 XXXX, XXXX, and Experian. 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 The 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 explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company response to consumer: Closed with explanation