BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: FL
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My credit card stopped working for some unknown reason a few days ago. 
I sold my house, had the telephone disconnected, and began staying at a hotel until my new house is completed. 
Have tried many times over several days to get XXXX XXXX to remedy the situation. 
Each time I am told that someone will call me back on my cell to verify info. 
The return call has never taken place. 
My account has always been in good standing. 
Balance paid in full and on time each month.

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 2023-12-08
Company: Experian Information Solutions Inc.
State: MD
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX 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 2023-12-08
Company: Experian Information Solutions Inc.
State: TX
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:
A month ago, I sent the three credit bureaus a letter asking 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 mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : 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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX XXXX and I am submitting another CFPB Complaint to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. I need the following items removed from my Credit File : 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 XXXXXXXX Balance : {$9600.00}. Despite these efforts, these fraudulent items still appear on my credit report, causing me significant harm and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA.

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 2023-12-08
Company: Experian Information Solutions 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:
They efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : 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 2023-12-08
Company: Experian Information Solutions Inc.
State: IN
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$880.00} ; XXXX XXXX XXXX XXXX Owed : {$10000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$9300.00} ; XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original  Creditor : XXXX XXXX ) XXXX Balance Owed XXXX {$150.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-08
Company: Experian Information Solutions Inc.
State: MO
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:
* This is not a duplicate complaint * XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding Discrimination and Antisemitism - Account : # XXXX XXXX XXXX XXXX  Dear Experian Consumer Relations, I am writing to bring to your attention a matter of great concern regarding my credit report, specifically in relation to an account under the name XXXX. I have recently filed disputes with Experian concerning this account, expressing that it is not mine and disputing its negative impact on my credit score. 

My credit score, which was previously in the XXXX, has inexplicably decreased to XXXX as of XX/XX/, despite no new negative information being reported. I find this decline both perplexing and unjust, as it is impeding my ability to secure loans for crucial endeavors such as home, automotive, and business ventures. 

I have diligently and repeatedly disputed the accuracy of the XXXX account, filing complaints in XX/XX/, XX/XX/, and XX/XX/. During these disputes, I communicated to Experian representatives that this account is not mine and is significantly impacting my financial prospects, resulting in loan denials. 

It is disheartening to note that, despite my efforts and communication with Experian, the matter has not been adequately investigated. The continued presence of the XXXX collection on my credit file is detrimental to my financial well-being and has created barriers to my pursuit of financial freedom. 

I must express my deep concern that these actions may be indicative of discrimination and antisemitism. As a consumer, I rely on credit reporting agencies to act impartially and ensure the accuracy of information on my credit report. It is disconcerting to believe that such actions may be motivated by factors beyond the objective assessment of creditworthiness. 

I am seeking a prompt and thorough investigation into this matter, as well as the removal of the inaccurate XXXX account from my credit report. I trust that Experian will address this issue with the urgency and gravity it deserves, ensuring fairness and integrity in the credit reporting process. 
I've filed FTC complaint # XXXX and was told to forward this to include a new CFPB complaint. 

I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely, 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 2023-10-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I had gone to an ATM to deposit money {$100.00} to be exact to cover a payment coming out of my account the next day. The ATM in XXXX XXXX XXXX took my XXXX dollars and confirmed it had taken it and we drove away shortly after I was informed, my debit card was used but with the wrong pin. This email made me look at my account and I realized Wells Fargo credited my {$100.00} deposit then debited it.. I contacted Wells Fargo immediately to open up a claim that there must be an issue with that ATM. Initially they had put in the claim wrong and it was denied. I asked for a video evidence so that I could show that I did not take that money back out, they would not provide it for me. I called Wells Fargo resolution and they resubmitted a new claim correctly while that was being done. I had gone to the XXXX police department to file a theft and fraud against Wells Fargo so that I could obtain the video from the ATM showing I did not deposit and withdraw the money it was only deposited on XXXX I was reinforced that they denied my claim again because they said I deposited the {$100.00} and automatically would drew it within seconds. I tried to explain to them why would I deposit {$100.00} and quickly withdraw it knowing I have a payment coming out the next day and that I have done this ATM deposits before for this exact same reason and is clearly shown on my account. they didnt care and still denied my claim and kept my {$100.00}. 

I have asked a supervisor of the XXXXesolution department of Wells Fargo to contact me because they would not escalate it while on the phone.

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 monetary relief
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: MO
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:
* This is not a duplicate complaint * XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding Discrimination and Antisemitism - Account : # XXXXXXXX XXXX XXXX XXXX  Dear Experian Consumer Relations, I am writing to bring to your attention a matter of great concern regarding my credit report, specifically in relation to an account under the name XXXX. I have recently filed disputes with Experian concerning this account, expressing that it is not mine and disputing its negative impact on my credit score. 

My credit score, which was previously in the XXXX, has inexplicably decreased to XXXX as of XX/XX/, despite no new negative information being reported. I find this decline both perplexing and unjust, as it is impeding my ability to secure loans for crucial endeavors such as home, automotive, and business ventures. 

I have diligently and repeatedly disputed the accuracy of the XXXX account, filing complaints in XX/XX/, XX/XX/, and XX/XX/. During these disputes, I communicated to Experian representatives that this account is not mine and is significantly impacting my financial prospects, resulting in loan denials. 

It is disheartening to note that, despite my efforts and communication with Experian, the matter has not been adequately investigated. The continued presence of the XXXX collection on my credit file is detrimental to my financial well-being and has created barriers to my pursuit of financial freedom. 

I must express my deep concern that these actions may be indicative of discrimination and antisemitism. As a consumer, I rely on credit reporting agencies to act impartially and ensure the accuracy of information on my credit report. It is disconcerting to believe that such actions may be motivated by factors beyond the objective assessment of creditworthiness. 

I am seeking a prompt and thorough investigation into this matter, as well as the removal of the inaccurate XXXX account from my credit report. I trust that Experian will address this issue with the urgency and gravity it deserves, ensuring fairness and integrity in the credit reporting process. 
I've filed FTC complaint # XXXX and was told to forward this to include a new CFPB complaint. 

I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely, 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 2023-10-23
Company: EQUIFAX, 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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance : {$25000.00} ; DEPT OF ED/XXXX XXXX XXXX : {$6500.00} ; DEPT OF ED/XXXX XXXX XXXX XXXX {$3400.00} ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 2023-12-08
Company: JPMORGAN CHASE & CO.
State: AL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
i have been getting money took from my checks for two months in sent to a savings account that i did not create i closed the account but can't get my money from it they said they did not see me in there system the last date they took from me was on XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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, # XXXX Account name : XXXX XXXXXXXX # XXXX, has 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.

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 2022-01-19
Company: John C. Heath, Attorney at Law, PLLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I hired Lexington Law because they stated they were an actual law firm, and could get into doors that other " credit repair '' companies could not get into. They made it sound like they were an all inclusive stop for credit issues. Come to find out, this company is an absolute sham, just like 99 percent of the rest of the companies out there are. 

I had legitimate credit issues that could be fixed. The problem? I never was contacted by Lexington Law once to review my file. They did not ask me once what the issues were. This means, they were sending out generic complaint letters, even for accounts that had legitimate errors on, they were disputing a generic dispute. Their portal does not even allow you to add detail. They ended up causing my damage than they helped. 

I did call in for advice, which they would not even attempt at providing because they weren't an attorney, even though that's how they advertise themselves and they have law in their name. 

I know there are a lot of bad reviews for the company out there, but I did see an option for credit repair companies, so I filed this complaint against them as they legitimately barely even tried to help. They are there to collect a paycheck from people who are trying to climb out of tough situations, which is shameful in my opinion.

Company response to consumer: Closed with explanation