BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-07
Company: Experian Information Solutions 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:
A fraudulent credit card account was opened in my name on XX/XX/2022 with XXXX XXXX XXXX XXXX, using a fraudulent address and phone number, and around {$18000.00} was charged to the account. 

I noticed the account ( as well as the fraudulent address and phone number, and the credit inquiries in connection with opening the account ) on my credit report the following month and reported it the credit reporting agencies ( Experian, XXXX, and XXXX ) in XX/XX/2022. I also called to report it to XXXX XXXX XXXX XXXX on XX/XX/2022 at which time they indicated it would be reviewed, I would receive a letter within 30 days, and the account would be closed. 

The credit agencies responded to the disputes indicating they had reached out to XXXX XXXX and confirmed the account, and XXXX XXXX would need to let them know that the account was fraudulently opened before it could be addressed on my credit report. 

Since reporting to XXXX XXXX XXXX XXXX on XX/XX/XXXX ( 65 days ago ), I have called XXXX XXXX at least 5 times to request an update, and at least three of those times, I have waited on hold for over 2 hours to talk to their security department, just for them to tell me they are working on it but can not provide any estimate on the amount of time it will take, and can not provide an confirmation by email or otherwise that anything is actually happening. 

Since XXXX XXXX has taken over 65 days to investigate a fraudulently opened account, the {$18000.00} credit card balance is now in default and my otherwise pristine credit score continues to drop precipitously by the day. As a result I am having countless difficulties : I was unable to open a desired credit card to receive travel points for a large trip and to purchase an engagement ring, I was planning to get off of my parent 's cellular plan but am not able to open my own line as a result of this issue, and I have been planning to purchase a house, which has obviously been put on hold.

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 2022-11-24
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: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX XXXX  without any influence and this is not a third party. 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. 

XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX Section 602 A- States I have the right to privacy. 

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX  XXXX  XXXX  and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Commonwealth Financial Systems, Inc.
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The CFS ( Commonwealth Financial Systems ) agency called me twice ( once on XX/XX/XXXX, once on XX/XX/XXXX ), reminding me to pay debts that I do not owe. I do not have any loans of any kind. I only have one credit card tied to my parents for emergencies, and I know for certain that they are extremely responsible with their credit card debt. This agency, though legitimate, is calling me for debts that I do not owe. I have no debts to owe, nor have I ever had debts to owe, nor do I plan on making financial decisions in the near future that would lead to me gaining any debts. 

CFS is known to be quite phishy. I see why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to questioning specific items in my document coming about because of the wrongdoing. The items 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 items 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 XXXXXXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-24
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: 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX have violated my rights. 
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 2023-09-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a copy of my credit history report from ( CREDIT BUREAU NAME ). That Report contained incorrect information reported by you. 

I contacted the XXXX to request deletion of this inaccurate data from my Credit History Report, but they have refused. They insist that your company claims this information to be accurately reported. This is not true, and here as follows is the correct information : amount owe, date opened/closed, late payments, and so on. 

Account name XXXX XXXXXXXX XXXX Account number XXXX .... 

XXXX  XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX Account number XXXX .... 

I am enclosing the following documentation to support my claim that the information you have reported is not correct : This negative mark is damaging to my credit. Please immediately remove these information from my credit file. 

Please confirm with me within 20 days that you have contacted the credit bureaus to correct this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Dear ConsumerFinance.Gov : Hello. I haven't been able to get a credit report from any of the 3 credit bureaus for about ten years. A few years ago, I filed a previous complaint with ConsumerFinance. The result was that someone sent me some emails for a few months, apparently trying to emotionally smooth me. Nothing ever happened from her email messages, since I still am not able to receive a free credit report from any of the 3 credit bureaus. Also, I am unable to update my personal information or remove false information. When I get online at their websites, I am told I need to call a phone number. When I call that phone number, I am told to either go online, or submit paperwork to them through the postal system, or submit identity documents to them by email. I do whatever they ask, and the result of it all is that the 3 credit bureaus say they can not verify my identity. I submit everything and more, with beautiful museum quality documents, and still, they can not verify my identity, with my most current driver 's license, SS card, birth certificate, current voter registration, passport landing page, current car registration, current car insurance, recent bank statements, and recent mobile phone billing statements. No matter what I submit to them, they claim they can not verify my identity, claiming it doesn't match their records. They refuse my accurate records. I am a USA-born, USA citizen, speaking perfectly fluent English and having the most elegant communication skills, and the 3 credit bureaus can not verify my identity. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: FL
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 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: CITIBANK, N.A.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX calling and harassing starting at XXXX. Several weeks back on a recorded call by the company I asked that they stop calling cease and desist. The man was very rude and also a manger.

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 2021-09-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Citizens has been harassing me for payments they received! am paying for a refinanced loan taken in XXXX and paid additional payments approximately 3 - 4 times a year, it should have been paid in full by XXXX! They say not received XXXX 's payment yet they cashed XXXX 's payment on XXXX ( due to them stealing {$1100.00} from my account on XX/XX/XXXX, & cashed XXXX 's payment on XX/XX/XXXX for which I attached proof from my federal credit union 's investigation +, I paid XXXX 's mortgage payment and have never been more than XXXX days late even once/year, but Citizens reported me to the Credit Reporting Agencies ( CRAs ) falsely that I paid 3 times more than 30 days late to the CRA s then cash my check! 
I called Save Your Hoe Hotline and they informed me the week of XXXX XX/XX/XXXX that there were 2 other mortgages in my name which I originally thought must be the problem as I only got the original mortgage on XX/XX/XXXX, and refinanced in XXXX. For the 1st mortgage, I paid extra on the principal once or twice a year paying off in 1/2 the time! Now, the Loan # XXXX, I pay as aforementioned and it should have been paid in full no later than XXXX! I have continued paying extra on the principal but Citizens applies f my payments toward any account they decide without my authorization! I write the loan # on my check and do NOT have another loan with them but they say I do!? 
They're known to use illegal banking practices I learned from Enforcement Act infringed on for doing the same illegal banking practices they are doing to me! I have discovered over the years trying to force them to truly investigate and fix the amount owed but payments Citizens requested rises instead of declining but I owe XXXX!, 4 extra payments numerous times each year has loan as aforementioned paid by XXXX so i have been paying over " $ XXXX extra for 3 years or more! I complain and the follow-up after investigation letter always says there is no error but XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. all find fraudulent accounts not mine &, credit my account. are Citizens! Th. They are the only banking institution in the United States not investigating and seeing it is not me opening other loans/accounts- are Citizens!! I fixed my credit, Save Your Home Hotline said that it is obvious that the loans -one in XXXX & there other in XXXX which I only learned of the week of XX/XX/XXXX. I had no clue of them and they are forgeries as I am 100 % sure no other loans. I pay my bills and am a responsible person! Citizens. would not have given me a loan with a XXXX  credit score at the time due to identity theft! I would not have got 2 loans

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 kindly request that you update my account as soon as possible to reflect the correct information

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 2021-09-20
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: Information belongs to someone else

Complaint:
TransUnion is violating my consumer rights, damaging my creditworthiness, & sabotaging any chances of securing a new home for my family. Im currently trying to rent/buy a home for me and my family but inaccurate information on my TransUnion credit report is preventing me from doing that. TransUnion is not using reasonable procedures to assure maximum possible accuracy of information on my consumer credit report. The alleged accounts : 1.XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ). 2.XXXX XXXX XXXX ( Original Collector : XXXX  ). There is no proof and/or documentation that these alleged debts belong to me. I even sent written communication directly to the debt collectors and they were unable to provide me any validation of the debt pursuant to FDCPA. If the debt collector is unable to validate the alleged debt how is TransUnion able to verify this debt? I sent written communication to attempt to resolve this issue with TransUnion ( See attached documents : Exhibit A ) but they refuse me a proper investigation pursuant to the FCRA. I asked in my written letter to TransUnion to be provided with verifiable proof of the alleged debts and the procedure used to determine the accuracy and completeness of the information. They never provided me this information. Im invoking my specified remedy as a consumer. I demand these accounts be immediately deleted from my TransUnion credit report. Once deleted I demand an updated credit report be sent to any person you furnished my credit report to within the last 12 months. Im looking to move my family into a new home in the next 30 days ; an expedited response will be truly appreciated! 

See attached documents : Exhibit A - Copy of written communication to TransUnion on XX/XX/2021 disputing alleged accounts.

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 2019-09-17
Company: Capital Management Services, LP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX 's sent my acct to Collection to Capital Management Services , LP ( XXXX 's sister company ) on XX/XX/19 for a debt of {$310.00} ( including fees charged and interests charged ). 
Regardless the account is canceled by credit grantor, XXXX XXXX is continuing using an unfair practice to charge interests and fees to my account they already closed. When I received a letter from the Collection agency, I called them on XX/XX/19 offering a settlement. According to XXXX-Capital Management Services, LP the amount raised from {$310.00} to to {$390.00} in only one month. I offered a one time payment of {$230.00} ( 60 % of the new debt or 75 % of the original debt of original debt of {$310.00} ). 
Unfortunately, XXXX did not want to agree with the settlement and after several calls I dropped the ball. 
Unfortunately, the amount increases every month and according to the last statement released by XXXX XXXX, the actual debt increased to {$500.00} As a consumer I requested the protection from the Bureau of Consumer Financial Protection for this unfair practice given by XXXX XXXX and Capital Management Services , LP. resolving this issue in a fair practice with the consideration of my initial offer to settle the account for the amount of {$230.00} CFPB implements and enforces federal consumer financial laws to ensure that all consumers consumers have access to markets for consumer financial products and services that are fair, transparent, and competitive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/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