BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-01
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:
I called Experian after I purchased a credit report from XXXX XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were XXXX XXXX XXXX XXXX, NY XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXXon my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 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.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these accounts are inadvertently resulting in me being extorted.

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 2022-08-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
WE ARE VICTIMS OF ID THEFT AND FRAUD. WIFE FILED FOR BR IN ORDER FO THE BR COURT TO INVESTIGATE THE FRAUD. BRC REFUSED TO INVESTIGATE THE FRAUD, THE CLOSING ATTORNEY WHO STAGED A FRAUD CLOSING IS IN FEDERAL PRISON DUE TO DEFRAUDING CLIENTS AND MORE. 

IT STARTED WITH XXXX XXXX XXXX XXXX WHO CHANGED THEIR NAME TO XXXX AND NOW XXXX. NEVER RECEIVED A LOAN FROM XXXX XXXX XXXX XXXX. WE RECEIVED DOCUMENTS FROM THE ATTORNEY AS IF WE DID. WE BEGAN PAYING XXXX XXXX XXXX XXXX IN 2004. 

WE WERE NOTIFIED OF THE ID THEFT AND ID FRAUD FROM A FEDERAL AGENCY., THE TRUSTEE ASSIGNED TO MY WIFE ABANDONED ALL OF THE RESIDENTIAL AND COMMERCIAL PROPERTY BECAUSE HE AND THE JUDGE BOTH WERE AWARE OF THE FRAUD ON EACH PROPERTY TAKEN OUR BY OTHERS. 

THE TRUSTEE BASICALLY STOLED EVERYTHING. RATIONALE WAS HE WAS LIQUIDATING TO COVER OUTSTANDING DEBTS. WE DID NOT WVEN HAVE OUTSTANDING DEBTS AS HE DOCUMENTED. 

XXXX IS STATING ON THE CREDIT BUREAU WE ARE PAST DUE 180 DAYS, THIS IS NOT TRUE. 


REQUESTTING ALL PAYMENT HISTORY AND DOCUMENTS FROM XXXX FOR REFERNCED ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX THE CLOSING ATTORNEY AND SELLERS WHO HAVE BEEN REPORTED TO THE FEDERAL AUTHORITIES TOOK OUT 3 TO 4 LOANS ON THE SAME DAY FROM H AND R BLOCK IN 2004, ATTACHING THE NUMEROUS 1098 '' S. THE AMOUNT OF THE HOME IS EVEN INCORRECT. THE COST IF THE HOME WAS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Rocket Mortgage, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed a XXXX XXXX bankruptcy in XXXX of 2022. I fell short on some of my mortgage payments and my atty. failed to inform me that it is extremely imperative that i maintain my mortgage payments to avoid foreclosure even though i have some protection from creditors under the bankruptcy. 

Well, i got behind a few payments and unbeknownst to me, the mortgage company had their attorney to start the foreclosure process. I rec 'd a notice informing me that i had to come up with a substantial amount of monies by a certain date and a phone hearing was set up. I fortunately was able to get caught up with my IRS refund check. 

Yet, the mortgage attorney still pursued her court costs, and attorney fees!. I was baffled, here i am struggling to keep my home, i have absolutely no financial resources for anything. I am living paycheck to paycheck, having to pay this trustee almost $ 800 monthly, and yet here i get slammed with almost {$700.00} fees to someone who was hired to pursue taking my home. 

A XXXX  XXXX is NOT in best interest of an individual debtor, it is a money scheming system that totally is for the judges, attorneys, trustees and their XXXX party XXXX. Its shameful, how large corporations can walk away scot free from their debts with a XXXX XXXX and bounce back with a whole new company under a new name like nothing ever happened. 

Individual debtors who can not file XXXX XXXX are at the mercy of these people under a XXXX XXXX. I was told I did not qualify for a XXXX XXXX because of the equity in my home, yet, when i tried to do a home equity loan i was quoted a very low amount of money i could get or denied. this is absolutely ludicrous and the legislators need to restructure XXXX XXXX whereby poor innocent debtors are not maltreated and disgraced by creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX acct : XXXXXXXX XXXX acct : XXXX XXXX acct : XXXX XXXX XXXX acct : XXXX XXXX acct : XXXX XXXX XXXX  Acct : XXXX XXXX  acct : XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX Acct : XXXX XXXX XXXX acct : XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX XXXXXXXX Acct : XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct : XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2023-05-09
Company: Experian Information Solutions Inc.
State: CA
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:
They were encouraging everyone to open lines of credit when it came out as a new service for everyone as they would call an instant back up, which they used term for overdraft protection. Nowhere in their guidelines to that state that they would report to your credit, and if not making that worse already putting the line of credit to XXXX and making it utilize the full limit as if its a credit card because it showing up as a credit card on my credit reports dropping at 70 points, now I find this completely disgusting and fraudulent considering I was kind and provoked by the workers to sign up for this house. This would ensure. That I would not run into any financial hardships. I had to pay everything off in full today {$500.00} just to close my account to make sure that my annuity money would be safe and not be pulled back in. I am going to file a police report if this is not taken care of, and this is not taken off of my credit by the time I wake up in the morning. XXXX XXXX XXXX in XXXX California on lone tree way is the most disgusting horrible bank Ive been at. I wish I never opened an account here. I have been here for over nine months and never once have I spoken to the manager at the bank because they do not have time to talk to me. On top of that they put holds on XXXX and do not release the funds and put a hold on it just like checks for two days to make sure the funds clear same with cash app or any other service leaving you no other option but to take out cash I had to go in earlier to get {$80.00} in change in fives and they made me deposited into my account just to get cash back and overdrew my account with the line of credit because they would not make the cash available until the next business day.

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 2023-05-09
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this item 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 item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX and XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: NC
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:
XXXX acct:XXXX  XXXX XXXX acct:XXXX  XXXX XXXX acctXXXX XXXX XXXX  acct : XXXX XXXX acct : XXXX XXXX acct : XXXX XXXX XXXX acct : XXXX XXXX acct : XXXX XXXX XXXX Acct : XXXX XXXX  acct : XXXX XXXX acct:XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct : XXXX XXXX XXXX acct : XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX XXXXXXXX Acct : XXXX XXXX XXXX Acct : XXXX US Dept XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX acct : XXXX US Dept XXXX US Dept acct:92 US Dept acct : XXXX  In accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: CITIBANK, N.A.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
Citibank keeps hounding me for charges on a Citibank credit card I never received, never activated, and never used. 

I would like to help Citibank follow up and solve this fraud but Citibank has shown no interest in contacting me about the fraud and the fraudulent transactions or investigating them in any way. One of the charges is for XXXX. Citi haven't even followed up on that to get the address where the delivery was made. Nor has Citibank explained how their " security team '' allowed someone to 'activate ' a new Citibank credit card in my name. Zero response. Citibank also has not removed their fraudulent charges from Citi 's credit reporting about " me '' to credit bureaus. 

On top of all that, Citibank does not have an email address at which customers can report fraud to Citibank so I have literally had to spend more than 5 hours on the phone responding to Citi and explaining all this to Citi ( always someone new ) repeatedly and navigating a Citibank automated phone system that inexplicably is completely not designed to handle Citibank card fraud if the person reporting fraud has never receivedthe card and therefore does not havethe card number. How can this be? This must have happened to Citi tens of thousands of times if not hundreds of thousands times. XXXX? 

I can't log onto Citi online because I do not have a Citi online account and I never even received the card that Citi says I have charges on so I have no credit card number to set up a Citibank online account with. If Citi really wants to reduce fraud, set up an email address at which people can report fraud. And set up a phone system that allows someone to speak to a human about fraud in less than 20 minutes. 

Please stop allowing Citibank to waste its customers ' ( or in my case potential customer 's ) time. 

I would have loved to help Citibank investigate and solve this fraud. Citibank has shown no interest in that because that would require Citi doing something that is not automated. Citi instead prefers to waste my time, fill up my phone and email with past due messages for charges that are not mine, and mess up my credit. 

I find this remarkable and sad.Please help. This is insane and dehumanizing.

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 2023-05-09
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$3200.00}. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-06-01
Company: EQUIFAX, INC.
State: TX
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 XXXXXXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Bankruptcy discharged US Bankruptcy Ct XXXX WI, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, 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 I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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: Account status incorrect

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong 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 2022-10-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX Account # 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.

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 2016-06-13
Company: Paypal Holdings, Inc
State: FL
Product: Credit card
Issue: Transaction issue

Complaint:
On XXXX XXXX, XXXX, I purchase XXXX XXXX XXXX XXXX concert ticket on line from a company using the name of XXXX XXXX Tickets. Cost of tickets were charged to my PayPal account in the amount of {$320.00} by a company using the name of XXXX. No where on the XXXX XXXX Tickets web site did they state they they were third party providers. When I downloaded the e-tickets on XXXX XXXX, XXXX, what I received were tickets in the name of XXXX XXXX, an individual I never heard of and do not know. I immediately emailed Box Office Tickets advising them I was cancelling my order as I, under no circumstances, would deal with " Third Party Suppliers '' and would not accept tickets that were not issued in my name. I also notified PayPal immediately that I had cancelled the order. I received a reply from " XXXX '' apologizing for any " Inconvenience '' and stated I would be contact by phone within 48 hours. The response from " XXXX XXXX XXXX '' that they would not refund my money, but as a courtesy would give me a XXXX XXXX ( {$30.00} ) adjustment. This of course was totally unacceptable. 
I filed my claim with Paypal.com on XXXX XXXX, XXXX and received a response back from them stating that my dispute was escalated to a claim. I was further advised that they would contacted " XXXX XXXX XXXX '' and I should allow them until XXXX XXXX, XXXX to respond. On XXXX XXXX, XXXX, I received an email from PayPal stating my purchase was " not covered under PayPal Purchase Protection '' and referred the matter to PayPal Credit on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I received an email from PayPal Credit requesting that I submit Proof of Cancellation and records of my attempt to resolve the issue with XXXX. All pertinent documentation was sent to PayPal Credit on XXXX XXXX, XXXX. I received a response from PayPal Customer Support on XXXX XXXX, XXXX stating that my issue did not affect the usability of the tickets and denied my appeal. On XXXX XXXX, XXXX, after being notified that my account was " Past Due '' I called PayPal Credit advising them that I had previously paid off my outstanding balance with PayPal, less the {$320.00} for the unused tickets and closed my account. From that point on I have received repeated phone calls from their Collection Department demanding payment and threathing legal action. 
I am a senior citizen living on a fixed income with an excellent credit rating. I do not and can not throw away money on fraudulent practices by a unscrupulous business.

Company response to consumer: Closed with explanation