BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-06
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Back in XXXXXXXX XXXX  XXXX my truck was broken into and my gov I.D Social Security card, Birth cirtificate, debit card, plus clothing, medications ect, was stolen.. i was homeless at the time and still am today. So many bad things were already going on in my life that filing for identity theft wasnt gon na help, who ever stole my debit card kept it and took total of XXXX out of my account in XX/XX/XXXXXXXX XXXX XXXX  ... whoever broke into my car knew i had a pending claim previously awaiting to be credited, they had ALL MY INFO and there was nothing i could do ... when i call to do a check up on my claim from XXXX they say it was credited, but i saw no fund .... thats when i reported the crime to bank of america in XX/XX/XXXX in a timely matter. I was unaware of the funds being tampered with i then proceeded to filing to for indentity theft because i didnt want anything else being messed with .... it is now XX/XX/XXXX and i have been fighting every day too get my claim resolved properly... i gave police reports, sheriffs contact info.. written statements and bank of america has been unprofessional and lack the care too help me resolve my issue... bank of america is treating me as a criminal. 
I filed a claim with CFPB back in XX/XX/XXXX, bank of america has not given a final response. My issue is not being handled .... i feel discriminated against. 

Bank of america fix this issue and return my funds.

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 2023-06-07
Company: BC SERVICES, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received a debt notice after being reassured by my insurance company that no debt was owed. 

The debt collector is : BC Services XXXX XXXX XXXX XXXX 
XXXX, CO 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 explanation
Consumer complaint received 2023-01-03
Company: Bread Financial Holdings, 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:
In accordance to the fair reporting act test creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 a section 2 it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not trade a payment on a credit card account under an open consumers credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There were two inquiries using my name and social security number trying to open credit card accounts. I contacted both banks and had the accounts cancelled. My question is since my name and social security number has been compromised what are my next steps to rectify this problem?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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've been challenging this bankruptcy for a very long time with XXXX and Trans Union. 
XXXX removed it but trans Union and XXXX keeps showing false information I thought that all 3 credit bureaus show show the same reporting as the other one this is stoping me from living my life just because it's false information on my report that's not far to me as a law, abiding American citizen

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 2023-01-02
Company: CITIBANK, N.A.
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:
Involved parties XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX CitiCards CBNA Citi XXXX XXXX XXXX, XXXX XXXX XXXX SD XXXX Phone : ( XXXX ) XXXX Account is not mines. Was authorize user but have been removed and XXXX not responsible for account regardless. XXXX said they investigated it but informed me citi has said it was my account but that is incorrect because I have no account with them. This is negatively impacting my credit score and its hurting my credit Files and dispute with XXXX in XX/XX/XXXX on citi bank account that I was authorize user on but not anymore. 

Got results XXXX XXXX said the account belong to me but it does not. 

Called citi XXXX XX/XX/XXXX they confirmed account ending in XXXX belongs to XXXX XXXX and XXXX not listed on account, they filled a dispute to send to bureaus Called citi XXXX confirmed I dont have account with them they said the sent another dispute to credit bureaus Called XXXX XXXX XXXX XXXX did was file another dispute, but I have no trust that they will do due diligence to investigate problem. Because its not my account and they are saying that it is Also saying citi verified it was mine but when I called citi they say i dont have a account I CANT EVEN GET INFO ON ACCOUNT BECAUSE ITS NOT EVEN MINES

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I recently checked my credit report and noticed that there were a late payment reporting from XXXX XXXX XXXX On XX/XX/2023 I contacted The issuer they stated all my payments were on time and that it was the reporting agencies reporting in accurate information you have violated the United States code law tila 15 U.s. code 1666 ( b ) billing error as a consumer by law these accounts need to be updated or deleted immediately. Or I will seek monetary compensation for violating my rights in Small claims court in my city and state under 15 usc 1681n. Civil liability because Ive been violated

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 2021-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 recently ordered my consumer report from annualcreditreport.com. Upon arrival, I noticed that TransUnion has placed a total of 25 inquiries/accounts on my consumer report that violate FCRA federal laws. I sent in my identity theft report and demanded that all 25 inquiries/accounts be blocked and removed from my report because, I, the consumer and natural person, did not consent to, authorize, nor benefit from any of those inquiries/accounts. Every inquiry and account that I sent them are violations of the following sections of the FCRA. 15 USC 1681 ( a ) ( 4 ) ... 15 USC 1681 ( 2 ) ( a ) ( i ) ... 15 USC 1681 ( 2 ) ( b ). It's also another violation because I never gave TransUnion my written permission to furnish any of those 25 items on my consumer report. As a consumer, I am demanding that all 25 be removed. I sent the company certified mail, so I know when all of the information was received. I have proof of my entire consumer report. I have proof of certified mail with all documents that I sent to TransUnion. I have proof of when they received the documents.

1. The request to block was not made in error.

2. The request to block was not based on material misrepresentation.

3. I, the consumer/natural person, did not consent to, authorize, or benefit from any of those accounts/inquiries. If I received goods or services, I need them to have a senior executive certify under the penalty of perjury that I have in fact received goods or services as a result of any of those transactions.

Please be aware that I am very familiar with the FCRA laws that govern TransUnion and the rest of the consumer reporting agencies. I know that TransUnion is now civilly liable for all violations under the FCRA federal laws. Under the civil section the amount per violation is {$1000.00}. I am demanding compensation for those violations.

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 2023-02-03
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022 I sent Cane & Weiner collection agency a cease and desist later since they were trying to collect a debt XXXX through XXXX. I they didnt provide me with an original contract and they are violating the Fair Credit Act. I am liable for this debt and will not do business with them. They must delete this collection account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX USPS CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX RE : DELETION OF LATE PAYMENT FROM CREDIT REPORT NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( Experian XXXX XXXX XXXX XXXX ) consumer report, and I noticed some late payments posted on my consumer report : XXXX XXXX XXXX XXXX XXXX  Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; AS WELL AS 15 U.S. Code 6801 THE LAW CLEARLY STATES : Transactions between the consumer ( me ) and the person ( XXXX XXXX XXXX ) Making the report is not INCLUEDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have 10 calendar days to update my Payment history and or delete all late payments from the below account/s XXXX XXXX XXXX XX/XX/XXXX  Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2021-10-21
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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago. I have not received as response yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was affected in this covid 19 pandemic. I was temporarily lay off as of XX/XX/XXXX. I called freedom mortgage company last XX/XX/XXXX ( if Im not mistaken, ) I contacted the company to inform them that I was affected in this pandemic and I needed help. I was told that they are still waiting for the governments approval regarding mortgage relief and the only way they could help me is to apply for a forbearance loan which is after 90 days of no payment I have to pay the remaining balance of 3 mos which is i cant afford to pay 3 mos worth of a mortgage. So I refused to apply and decided to wait. On XX/XX/XXXX, I called again and ask them if freedom mortgage has a new system of helping costumers affected from covid, unfortunately they dont have any option again except to apply for a forbearance. Freedom mortgage is too slow to help their costumers in this time of hardship. Mortgage Companies in the state of New Jersey were already offering deferred payment or pause payment for 3 mos until pandemic will be over .freedom mortgage Costumer representative claimed they are still waiting for the governments approval to take deferment mortgage payments but as far as i know this is already approve in other mortgage companies. I just dont understand that in this hard times especially in the state of New Jersey we are hardly hit and it should not take so much time to assist costumers not to mention an hour wait on the phone to get the answer. In this hard times as a costumer, Im expecting that freedom mortgage will at least work with their costumers in times like this most especially the people that were affected I at least give us peace of mind that we will not loose our shelter. But unfortunately, until now they dont have a better options to give their costumers some relief in paying the mortgage and it takes them so much time to handle this kind of situation.

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 2023-01-02
Company: EQUIFAX, 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:
Involved parties Equifax equifax info services  XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SD XXXX Phone : ( XXXX ) XXXX Account is not mines. Was authorize user but have been removed and Im not responsible for account regardless. Equifax said they investigated it but informed me XXXX has said it was my account but that is incorrect because I have no account with them. This is negatively impacting my credit score and its hurting my credit Files and dispute with equifax in XX/XX/XXXXXXXX  on XXXX XXXX account that I was authorize user on but not anymore. 

Got results XXXX They said the account belong to me but it does not. 

Called XXXX XXXX XX/XX/XXXX they confirmed account ending in XXXX belongs to XXXX XXXX and Im not listed on account, they filled a dispute to send to bureaus Called XXXX XXXX confirmed I dont have account with them they said the sent another dispute to credit bureaus Called Equifax XXXX all they did was file another dispute, but I have no trust that they will do due diligence to investigate problem. Because its not my account and they are saying that it is Also saying XXXX verified it was mine but when I called XXXX they say i dont have a account I CANT EVEN GET INFO ON ACCOUNT BECAUSE ITS NOT EVEN MINES

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
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:
On XXXX XXXX I submitted a dispute since I recognized that there was a substantial charge on my account that was not mine. Citibank denied my claim, did not file a chargeback since they assumed that the charge was correct. If you look at my spending patterns this charge for {$4200.00} on XX/XX/XXXX does not match up. The bank is holding me responsible for a charge that I suspect was made on my old phone that I sold. The XXXX XXXX wallet must not have been removed properly before I sold it and someone managed to use my information to make the purchase. I need the charge credited back to my Citi credit card account.

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 2022-05-27
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:
Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : 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 2023-07-26
Company: EQUIFAX, INC.
State: NM
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: United Collection Bureau, Inc.
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I made a one time purchase at XXXX and the sales person offered me this card. I explained that I did not want the card, because I would use it only at that particular moment and not anymore. I do not live in the US. The sales person guarantee that there would be no charges involved in making that application so I could use the card one time. There were no fees. I used my son 's address and told her. 
I was surprised with this letter from the debit collector. 
I reserve my rights to use a lawyer again the company if I have any further inconveniences for this matter. I hope the matter gets solved and wait for an answer.

Company response to consumer: Closed with explanation