BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-22
Company: Experian Information Solutions Inc.
State: NY
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:
There is a XXXX XXXX credit inquiry on my credit report with XXXX that I have ask the company to remove several times as it is fraud. This company also drops my credit score for no reason everytime I complain about the issue. I am debating getting an attorney at this point as I myself am XXXX and having a hard time finding a new place to live do to this companies fraudulent and false reporting. I always pay the cards that I do have on time never missed a payment but this company continues to lower my credit score for no reason everytime I submitted a complaint. I would suggest the FBI look into this company because there is clear prejudice going on and they are creating hardship for me who is XXXX and well as my XXXX son. Please command this company to raise my score and remove this credit inquiry that should not be on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 XXXXXXXX XXXX has not accepted responsibility for the illegal unauthorized fraudulent transactions and charges. XXXX XXXX XXXX has not provided documents or documentation supporting their investigations despite repeated requests for the information on how and why they allowed illegal unauthorized fraudulent transactions and charges to all of my accounts in XXXX and XXXX of 2019 without alerting me or flagging the accounts. XXXX XXXXXXXX XXXX reporting negative on my credit reports. despite DC police report XXXX. DC DISB report XXXX XXXX investigations that XXXX XXXXXXXX XXXX allowed illegal unauthorized fraudulent transactions and charges. XXXX XXXXXXXX XXXX and XXXX immediately accepted responsibility for the illegal unauthorized fraudulent transactions and charges.

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 2023-03-04
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX authorized a credit card for XXXX XXXX XXXX XXXX  in Michigan using a fake driver 's license under my name. Upon contacting XXXX they said my information will be cleared from all credit Buearus however its been a year and XXXX has only cleared my name in XXXX and not in XXXX or experian. Charges started from XX/XX/22 where XXXX fraudulently approved a fake driver 's license under my name and gave the thief credit line of 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 2023-03-01
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am writing to file a dispute regarding the removal of old addresses and employers from my XXXX XXXX Equifax credit report. According to consumer protection laws, I have the right to ensure that my credit report is accurate and up-to-date. 

I have noticed that my credit report still contains outdated addresses & employers, even though I have requested their removal multiple times. These addresses and employments are no longer associated with me and have not been for some time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Employement - XXXX, XXXX XXXX XXXX & USPS I believe that XXXX & Equifax has violated the Fair Credit Reporting Act by not removing these outdated addresses and employers. According to the FCRA, credit reporting agencies must ensure that their reports are accurate and complete, and must investigate any disputes that are submitted to them. 

I am requesting that XXXX XXXX Equifax immediately remove these outdated addresses and employers from my credit report, and provide me with written confirmation of their removal. I also request that XXXX & Equifax provide me with a free copy of my credit report to ensure that all other information is accurate and up-to-date. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: DISCOVER BANK
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My Discover Bank account was closed and I need to get my money back. Someone from the bank called my wifes phone which was not attached to this account. Told her their was suppicious activity on the account. She said she had no Discover account. Needless to say Discover closed my account under suspicion of fraud. I called and they keep telling me I can not get the money back. The State has to get the money for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Even though I have provided proof that an account ( XXXX  ) is open under my name due to fraudulent activity, Equifax has left it on the report. I have previously been impacted by increased rates costing my higher monthly premiums. Now I am getting rejected for what was previously pre-approved credit from companies ( see attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, 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:
Identity theft occured with serveral accounts that are listed on my credit report! 
All listed fraudulent accounts were sent to each credit reporting agency. It is a violation of my Privacy Act and against the law for someone to use my personal information to commit fraud. 
Police report is available to substantiate claim with an XXXX and person charged and taken into custody! 
REMOVE ALL ITEMS LISTED TO CREDIT REPORTING AGENCIES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XXXX I noticed fraudulent accounts on my credit report after receiving a notice that my personal information may have been compromised in a data breach with XXXX. I begin to dispute these items and these items were not removed. In XX/XX/XXXX I filed a police report as well as a FTC report I mailed these copies of the reports along with my social security number, Identification, and proof of address to XXXX, XXXX, and TransUnion. Each company reported that the creditors verified the accounts. I then wrote a letter in XX/XX/XXXX to each creditor as well as XXXX, XXXX and TransUnion to provide me with a copy of the original singed documentation. Their response was accounts were verified. Over the course of the past 3 years I have written letters and been told to resend police reports, file disputes over and over. As of XX/XX/XXXX I informed each company of my rights under FCRA section 609 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ) to provide me with the original signed documentation. I also informed them of my FCRA rights under section 611 ( a ) ( 7 ) to provide me the method of verification of these accounts. I was told by each company that the accounts were verified and they do not have to provide any documentation. I called all companies in XXXX of XXXX to inform them of the law under FCRA section 616 & 617 of the civil liability and the remedy available to me if they failed to comply with federal laws. These companies has failed to show me any documentation of the accounts being mine. These companies are failing to follow FCRA section 611 ( 5 ) ( A ) that states you are required to promptly delete all information which can not be verified.

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 2019-08-24
Company: CITIBANK, N.A.
State: OK
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:
My name is XXXX XXXX and I Submitted a dispute on XX/XX/19 due to inaccuracies listed on my credit profile & have attached images marked in red to reflect the inaccuracies. On XX/XX/19 I wake up to find that Citi Card has not only left the inaccuracies on my credit profile but has intentionally added two fraudulent late payments to my credit profile showing I have been late during the months of XX/XX/XXXX 30 days & XX/XX/XXXX 60 days. Based on documents I have attached, they reflect with an account I had with Citi Card that my payments were due the XXXX of each month & for XX/XX/XXXX due date I Paid XX/XX/XXXX and for XX/XX/XXXX due date I paid XX/XX/XXXX It appears Citi Card at this moment is blatantly violating the FCRA Section 623. How can you add late payments that never existed? If you are unable to perform a reasonable investigation, or you are unable to locate the necessary documents to investigate my disputes then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. This is a final attempt to ensure Citi Card report only accurate information or cease reporting this account to my credit profile. You will find all attachments in this email to reference. 

Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ), as a furnisher of data you have the duty to report all accurate information to all 3 Major credit  bureaus XXXX, XXXX , & XXXX & you must review all of the information in this Notice of Dispute to complete your investigation, and report back to me the results of your investigation, within 30-days of my Notice of Dispute. 
In addition, I humbly request that you provide me with complete transactions, payments, a copy of any physical signed contracts or agreements, & account numbers

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 2023-09-08
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit reporting 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 reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate that's why I am reaching out to you. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

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 2020-06-18
Company: Synovus Bank
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX XXXX  of XXXX. I went online to load more money to the account ( paid off previous balance ). My paid off balance did not go through due to Banking Holidays or unknown reason. 
The bank nor credit card company never notified me about the incident nor explained to me that the credit limit on my secured credit card is the deposit minus annual fee. Since the First Progress card is technically a prepaid card with my {$300.00} deposit hence {$300.00} credit limit. I used the card mainly to buy gasoline so I can have a better control and not exceed the so called credit limit. 
However some retailers ( Gas station ) do not generate or post a credit card sale at the same day. And I did not check my credit balance until the XXXX statement showed up in my mail box. I was confused about the charge. 
In XX/XX/XXXX, I contacted the Bank to discuss the charge and want to resolve the issue but they opposed it and add an extra fee for late payment and over credit limit amounted to {$100.00}. They closed my account on XX/XX/XXXX and gave me the negative report to date. I now can not get a Bridge Loan to cover my expense during this COVID-19 because of this mark on my credit and the credit card company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Factor Trust
State: NJ
Product: Credit reporting 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 reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate that's why I am reaching out to you. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, 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:
I appreciate your time to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining account need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the account below. 

XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
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.

has violated my rights. Or a list of inquiries : 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 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sent letters of dispute on XX/XX/XXXX, XXXX disputing the originally {$16000.00} but is now XXXX. They responded that they had done their investigation and that the information was verified and they updated my report. 

On XX/XX/XXXX, I sent a letter requesting a description of their investigation procedures which was to be completed within 15 days as per FCRA 611 ( a ) ( 7 ) and 611 ( a ) ( 2 ) ( B ). 

On XX/XX/XXXX I asked for the item to be removed as they did not send the information requested on XX/XX/XXXX nor did they respond within the 15 days as per FCRA 611 ( 7 ).

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 2020-02-07
Company: STERLING JEWELERS, INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX  XXXX XXXX has harassed me for about 2 years now. They call from spoofed numbers and leave an " urgent message '' that I need to contact them immediately. These parasites then say things like " have you received your subpoena letter yet of wage garnishment ''? The first small, insecure man talking behind the phone told me they were going to take " everything I had '' and that I was going to " go to jail ''. A month or so ago another very classy lady called saying that they were taking me to court and said " why don't you pay your bills '' and kept repeating it over and over as I was trying to talk like a XXXX year old. Recently I got a call from someone who sounded like her name was XXXX and she acted XXXX XXXX  too. She was smacking her gums chewing on some XXXX or something when she called and before every sentence would make a XXXX noise with her lips like she was on Love and Hip Hop or something. I've advised her that I was going to add my friend who is an attorney to the call and she repeated " attorney ''? And smacked her lips one more time. I told her to hold on as I was trying to put the phone on speaker so I can add the call and she goes off asking if I was the attorney. She then hung up as the call was connecting. This so called company has scraped the bottom of the gutter to find these employees. After the first call from there mosquitoes, I've began to record every call from that point on. I literally have recorded verbal evidence of them harassing me, threatening me with fake subpoenas and legal action, telling me they will contact my mother and sister and anyone associated with me in which they have and also disclosed personal financial information to them about me, and much much more. I've asked to be mailed verification of the so called debt that I owe in which they immaturely respond by talking over me and saying " why don't you just pay your bills ''. They call before XXXX and after XXXX. These tactics are in blatant violation of The Fair Debt Collection Practices Act ( FDCPA ) and I have luckily recorded every single call other than the first. I've also filed a police report with the XXXX, MA police department in which I have a copy of. I'm pretty sure they mentioned a debt from like 7 or 8 years ago which was payed off a long time ago. I'm still waiting on this " subpoena '' that they claim they've sent. They misrepresent themselves as legal representatives and threaten me with subpoenas and wage garnishments. They have disclosed my personal info to members of my family and even people who are not related to me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) 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 XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation