BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-01
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I XXXX XXXX XXXX tried to contact the company on Equifax reporting agency Account # XXXX {$540.00} XXXX XXXX .I have not ever got anyone to answer my call nor call me back but XXXX and XXXX has erased the account because nothing shows the account is correct. thanks for looking at my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
on XX/XX/23 I was looking into my credit report and noticed an unknown collection from a company name XXXX XXXX XXXX. I had no knowledge of this collection. Apparently, it was from a place that I moved out of last year and when I moved I paid in full. I never had to sign any contract with this original credit nor with this collection company that bought the debt for little money from them. 
On the same day, I called the collection company to request the original contract sign for me since I don own that debt and all the information pertaining to the account and request. the customer service representative started to mock me because of my language she transfer the call to someone else even though I told her I am very capable and able to speak English. She also got upset because I told her that I am not going to give detailed information such as SSC and address because I don't feel comfortable and I don't own that debt. then she proceeds to tell me that I own that debt and I have until the XXXX of XXXX to pay or that I going to lose my credit. 
Attached you can see the last bill I had before moving from that place. on 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 2021-07-10
Company: FORD MOTOR CREDIT CO.
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:
According to my background check it shows that I lived in Missiouri. I believe that much of my debt was occurred by whomever said I lived in Missouri.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Revolut Technologies Inc.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Revolut has continually blocked my access to funds, first via using my debit card, then by preventing me from selling cryptocurrency and now by locking the account in full. They have not provided any of the services that they advertise for their metal plan and prevent users from leaving their scam of a bank unless they pay more while they have their funds locked at this XXXX XXXX XXXX XXXX XXXX XXXX 

Both XXXX and Revolut need to be investigated for fraud and financing foreign affairs. This is not an isolated incident. US citizens are having their assets locked away by Revolut and are having to continue to pay the monthly fee to keep open the account that Revolut is holding money hostage in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, 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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XX/XX/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 2023-04-27
Company: EQUIFAX, 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:
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 



The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions 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:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX both accounts open opened XX/XX/2017 balance XXXX and XXXX This accounts is no longer open the balance has been satisfied and brought to XXXX TransUnion has not been reporting information on my account accurately and completely I have contacted the original creditor and they verified my account is closed and paid in full XXXX and XXXX has reported the correct information Violation of 15 usc 1681i 6 ( b ) ( iii ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure. -- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

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: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A collection should never show as a open account, on a credit report and should never have a past due balance as you can see on pages 5,6,7,8 of my Experian credit report XXXXXXXX XXXX XXXX Acct # XXXX, XXXX XXXX  XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX has these errors. In Experian last investigation and their reinvestigation, they never corrected these errors that were clearly, on my credit report as you can see in the attachments. everything on a credit report must be 100 % accurate if not it must be deleted. 
By Law 15 USC 1681s-2 Responsibilities of furnishers of reporting information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( a ) Reporting information with actual knowledge of errors, A person shall not furnish any information. Relating to a 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 explanation
Consumer complaint received 2023-03-04
Company: Experian Information Solutions 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:
My personal information was used without my consent to open credit cards. I have reported these items to the FTC Via Identity theft report XXXX  XXXX. 
These are the items in question : 1 ) XXXX XXXX XXXX date opened XX/XX/XXXX. 
2 ) XXXX XXXX XXXX date opened XX/XX/XXXX. 
3 ) XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX. 
These items are a product of some form of identity theft. They have damaged my credit profile and made it difficult to get credit from lenders. 
These items are appearing on my Experian credit report # XXXX. I have attached a copy of my identity theft report, and have included photos of my drivers license and social in accordance with the FCRA 605B ( 15 U.S.C. 1681c-2 ) and I am formerly asking for a block on these items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Billing dispute for services

Complaint:
In XX/XX/XXXX I paid XXXX to my credit card, the specific date was XXXX. I pay my credit card as soon as I get paid and due to XXXX pay being early I paid earlier than I usually would. I did then not make a payment until XX/XX/XXXX, thinking that both months were covered. However these payments were communicated as being outside of the period from XX/XX/XXXX- XX/XX/XXXX. I would like to point out that XXXX is well above the minimum required payment of XXXX which was expected before XXXX. I then paid a further XXXX on XXXX. Due to this human error I have a late payment on my credit rating, which is causing significant issue and is not on my XXXX XXXX report as " high impact ''. It is due to be " optimised '' in three months ( states that it does so after XXXX XXXX however I have read elsewhere it can stay on your report for 7 years. Is there anyway that this can be looked into. I have formerly spoken with XXXX who advised there was nothing they could do. I contacted the ombudsman however heard nothing back. I would really appreciate some help with this, as although the payments may have been out of periods due to human error, it was not missed. I paid XXXX across a 5 week period. 

Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX, DP OF EDUC XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX 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 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.

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 2020-07-27
Company: EQUIFAX, INC.
State: TX
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:
This is either the third or fourth year that I have not been able to obtain my free Credit Report from Equifax. At first I thought the issue was because of the data breach and that their system was not working. However, in reviewing your website, there is no mention that consumers can not obtain a Credit Report from Equifax, free or otherwise. 

XXXX XXXX XXXX XXXX XXXX website take me through to the 4 security questions asked by Equifax and then, it keeps telling me that I must submit my request in writing. I've submitted my request via the Form, in writing in the past and it seems like once they receive the mailed in Form and my letters with the requested information, it goes through some loop where Equifax just keeps asking for the same information over and over. -- BUT, I don't ever receive the Credit Report. And now I'm going on either three or four years without a Report from Equifax. 

Therefore, 1 ) I'm being denied my Free Credit Report and 2 ) I have no idea what is being reported or 3 ) I have no idea if the information being reported is even correct. 

Please note, I have zero problems obtaining my Free Credit Reports from XXXX XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Please rectify this error promptly and ensure that my account reflects the fact that I have always been punctual with my payments.

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 2022-11-11
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Dear Sir/Madame, At XXXX of XXXX I send the payment in XXXX dollars from my account in XXXX bank XXXX XXXX ) to XXXX as a payment by contract ( byuing apartment in XXXX, XXXX ) XXXX 
Amount : {$70000.00} XXXX XXXX  XXXX Senders Reference : XXXX This payment was not received by the payment receiver. 
I tried to returned the payment in XXXX twice. 
XXXX bank provided me information that my money were frozen at the account of XXXX bank in Citi. 
At XXXX of XXXX Citi answered in swift that " your response has cleared the sanctions issue and the payment has been cancelled per remitter request as of XX/XX/2022 '' But I have not get my money back yet. 
XXXX bank has not give me any instructions how I can return my money. 
Please, let me know how I can get back my money. 
Thanks in advance. 
Best regards. 
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 2022-03-20
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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  XXXX  # 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: NATIONSTAR MORTGAGE LLC
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I suffered a water damage loss on XX/XX/2015. I wiped out my laundry room, the master bath closet and foyer closed which all adjoined the laundry room. I submitted a claim and was given a {$5900.00} award to repair our home. To this day they have not sent the check from Nationstar Mortgage Co . 
They claim that it is because I am behind in my mortgage payments. I can not do anything about that as I am XXXX and can not work until I can have my XXXX. 
In the meantime, they keep telling me that they need more and more documentation from contractors etc. I told them to make out the check directly to the XXXX so they would not have to fear that I am going to leave my home and run off with their money. I have lived her since XXXX and I am trying the best I can to recover from : the stock market crash, the housing bubble bursting, XXXX and otherwise. I am XXXX and they are making my life XXXX. 
Without the use of a laundry room or closet in our master bedroom one can only imagine our life with clothes needing to be taken to the laundromat weekly, no place to hang them and the house being in disarray. It is depressing and totally unnecessary Would someone please help us? We are at our wits end here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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