BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: MD
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 six request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate 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 XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-05-13
Company: CITIBANK, N.A.
State: WA
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:
Citibank did not resolve the dispute for {$3400.00} on Citi XXXX credit card but instead issued a permanent credit in my account for {$250.00} as a courtesy. 

XX/XX/XXXX - I opened a dispute on a Citibank credit card about purchase {$3400.00} from XXXX on XX/XX/XXXX with reason " Goods / services never received '' for the air tickets with canceled flights which were not refunded. 
XX/XX/XXXX - Citi closed the dispute and requested an additional documentation about disputed purchase if we still wished to dispute the purchase. 
XX/XX/XXXX - I sent email to Citi asking to continue the dispute and included requested documentation about the transaction, 02-01-emailToCiti.pdf attached. 
XX/XX/XXXX Citi sent me a letter that they " did not receive documentation that the merchant is unable or unwilling to provide the service ''. 
XX/XX/XXXX I called to Citi explaining that I had provided documentation earlier and the Citi agent confirmed that they had missed my email. Also, I sent an additional email to Citi about the fact that XXXX received refund from airlines for the canceled air tickets but no refund was provided to me, XXXX attached. 
XX/XX/XXXX Citi sent me an email with confirmation about receiving the additional information from me about the dispute. 
XX/XX/XXXX I called Citi ; Citi confirmed that they found the documentation which I sent them on XX/XX/XXXX and on XX/XX/XXXX and reopened the dispute. 
XX/XX/XXXX - Citi sent me an email with confirmation about receiving the additional information from me about the dispute. 
XX/XX/XXXX Citi closed the dispute and added {$250.00} issued a permanent credit in my account instead of resolving the dispute, 05-05-fromCiti.pdf and XXXX attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: DE
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. 

Account name : XXXX XXXX # Lease : XXXX Merchant : XXXX XXXX XXXX 1

5 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 response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: EQUIFAX, INC.
State: VA
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 mailed Equifax all required documents regarding fraudulent hard inquiry on XX/XX/21. They said they received them on XX/XX/21. However they did not scan in all documents I sent and said the file was incomplete. I then filed a complaint with the XXXX on XX/XX/21 and faxed them a copy of the report along with my drivers license. Today I called and they told me they did not receive the fax. I have a fax transmission receipt showing it was delivered and received. They asked me to resend the documents through fax, however this will delay the fraudulent inquiries from being removed. I demand these fraudulent items be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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 is a charged off credit card account from Bank of America reporting on my credit report. I did not authorize this account and notified Bank of America on numerous occasions about this fraudulent account. I was instructed to go inside a local Bank of America branch with 2 forms of identification to resolve the matter. On XX/XX/2021 I went to a local Bank of America branch office and spoke with the Assistant Branch manager about the fraudulent credit card account. She took my 2 forms of identification and asked me several questions pertaining to current contact info such as email address, phone number, and other personal identifiers. After verifying my identification and cross referencing it with the information that was used to open the credit card it was clearly determined this account was fraudulent. She made notations of this account being fraudulent into the system and assured me that this account will no longer continue to report to the credit bureaus and that I should receive a letter in the mail from Bank of America stating this account has been closed due to fraud. As of XX/XX/2021, I have yet to receive any correspondence from Bank of America stating this account was determined to be fraudulent. More importantly, on XX/XX/2021 the credit bureau XXXX completed a dispute investigation that I issued in reference to the fraudulent credit card account being reported Bank of America stating the account was verified by Bank of America as belonging to me. Since receiving this information from XXXX I have made numerous attempts to speak to someone at Bank of America concerning this fraudulent credit card account. Unfortunately it is evident that Bank of America has changed the personal account information in their system. The original address and telephone number used to open the account was not mine thus the reason I was instructed to go inside a local branch with 2  forms of identification. It is frustrating and very disturbing that Bank of America has simply updated the account with my address and telephone number so now when I call to dispute this account the representatives say the information on the account matches so no dispute or investigation can be made. 
This illegal and unethical practice has negatively impacted my credit and causing unnecessary stress and financial hardship. I would like an investigation into the unethical practices used by Bank of America concerning this fraudulent account. I also seek immediate removal of this fraudulent account from the credit Bureaus. 

Thank you for your assistance and attention concerning this matter.

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 2023-12-07
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX is ignoring their obligations under 15 U.S. Code 1681s2. For account ending XXXX aka card number ending XXXX, XXXX XXXX decided to mark the account charged-off beginning XXXX XX/XX/XXXX, yet the account was alleged charged-off on XXXX XX/XX/XXXX. The Date of First Delinquency would thus be within the nexus of the XXXX XX/XX/XXXX. Yet, the data XXXX is supplying to Experian indicates the account would continue on-record into XX/XX/XXXX. That date is beyond the 7-year period and indicates the date of first delinquency is reported on or around XX/XX/XXXX, instead of a date within 150 days BEFOR XX/XX/XXXX. Moreover, the same issues are evidenced in the data XXXX is reporting to XXXX, as XXXX has consistently received updates from XXXX, in which XXXX claims the Date of First Delinquency is XX/XX/XXXX. It should also be noted the XX/XX/XXXX date is NOT supported by the payment history furnished to the CRAs by XXXX, with both XXXX and Experian showing the month of XX/XX/XXXX " paid on time ''. Thus, XXXX is supplying false/misleading/inaccurate information it knows, or has reasonable cause to believe is incorrect. In their response to { XXXX, XXXX and XXXX }, XXXX reerences the table supplied in response to XXXX, alleging the account is being reported as " accurate '' because it is consistent with the table of information provided. Yet, the table provided itself shows an alleged past-due payment that was thirty ( 30 ) days past-due in XX/XX/XXXX, and miraculously one-hundred twenty ( 120 ) days past-due for the month that followed, making a difference of ninety ( 90 ) days past-due over one ( 1 ) billing cycle.That payment history on its face is false/misleading/inaccurate. XXXX has engaged in acts and practices that are unfair, deceptive, and abusive and has sought to cover their XXXX by providing contradictory, misleading, inchoate statements in response to CFPB complaints. There is nothing lawful about their behavior and XXXX needs to take accountibility for their own incompetence instead of trying to justify incompetence and punsihing a person with a documented learning XXXX that has been afflicted with XXXX  ( also XXXX ) during this entire ordeal. It would appear to be " XXXXXXXX XXXX '' providing the XXXX in the XXXX XX/XX/XXXX response and then copying the same XXXX into the XXXX XX/XX/XXXX response. Each person touching the account during an " investigation '' has provided their own spin on XXXX which has been contradicted others.

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 2023-11-11
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Midland Credit Management has violated the Fair Debt Collection Practice Act by contacting a debtor at inconvenient times unless the debtor allows it. At no time is it convenient for me to be contacted. Midland Credit Management has also violated the Fair Debt Collection Practice Act by harassing me, as well as using language I consider to be obscene in their written notifications. Midland Credit Management is not the original owner of the Debt and therefore has no right to contact me stating they are " attempting to collect a debt. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX 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 2023-02-27
Company: EQUIFAX, INC.
State: SC
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/2022 ) 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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: NJ
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: NY
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 2022-04-22
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:
XXXX XXXX had a fraudulent account opened in my name, and it was only reporting to Experian. I contacted Experian and filed a dispute that the XXXX XXXX account was not mine. They returned with a confirmation that it was my account. So I submitted a second dispute on the same fraudulent reporting against XXXX and they again, claimed that it was mine. 

The difference in this second submission of disputing with Experian is that I contacted XXXX XXXX and resolved their problem. XXXX confirmed that it was not mine and sent me a confirmation that they would expunge the record from my name internally and on all the bureaus. A day later, Experian reports to me saying that they've verified that the negative XXXX account is mine. 

I am exhausted from the amount of crime that comes from that organization called Experian. They are responsible for the largest data breach in history, but they also didn't verify anything and lazily reported back to me that it was my 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 non-monetary relief
Consumer complaint received 2023-06-26
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have submitted over 20 modification applications to XXXX XXXX in the past 3 years. I was denied or told I was missing a page. I would resend the page and then I was informed I was missing another page. They refused to modify until recently. When they modified they doubled my payment from XXXX to XXXX and it is unaffordable. I am will to sell my home and need permission from them in writing. They have foreclosed and the final judgement is XXXX. They claim I owe XXXX XXXX more. I have a buyer for my home and need permission from them in writing that I am able to sell. I can not pay this excessive modification and they are setting me up to fail. I wanted to keep my home through modification but based on the payment they have formulated it is unaffordable. I am a 10 month employee not 12 months. I don't believe this was taken into consideration. I would like to be re- reviewed for a modification at an affordable interest rate with a payment closer to my original payment. The reason we fell behind was due to my husband getting sick with XXXX, and an XXXX XXXX  which caused him to go on permanent XXXX. We lost a 2nd income and I was forced to take a pension loan in which my payments are extremely excessive at XXXX per month which decreases my net salary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: FL
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXXXXXX 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 2023-07-04
Company: EQUIFAX, INC.
State: GA
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. 

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: GA
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 1XXXX XXXX  XXXX acct XXXX XXXX* 2XXXX XXXX XXXX acct # XXXX* 3.XXXX XXXX acct # XXXX 4.XXXX  acct # XXXX have violated my rights. 

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

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

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