BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: PA
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:
This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be updated. 

XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 THESE ACCOUNTS ARE NOT MINE. 
XXXX XXXX Account Number : XXXX This Account is accurate and I'm seeking litigation please delete at once.

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 2021-06-02
Company: CL Holdings LLC
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:
these accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. 
Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

7. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX CRED Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

11. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

14. Identity Theft JEFFERSON CAPITAL SYST Account Number : XXXX This is not mine. 

15. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Phoenix Financial Services LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Today, Phoenix Financial Services called my husband of 3 months multiple times to attempt to collect a debt from Me. They verified my identity and information through him and then proceeded to explain the debt in which i owed {$910.00} but that they would settle with him for {$360.00} dollars and and how they would like to resolve the debt. We were not together when the so called debt accrued. They said he was listed as an emergency contact thats how they were able to find him but we were not together so that would be impossible. They have not contacted me even though my information has not changed. What they did was illegal, when my husband pointed that out to him, he argued and said nothing he did was illegal and if i did not pay the debt, he would report me for fraud. This company has illegal contacted my husband who is not listed on any document pertaining to this debt, verified personal information and broke HIPAA release law. They harassed my husband and me until i told my husband to ask them to no longer contact him and we had to hang up because we were being threatened and yelled at. Since their calls are recorded and monitored it should not be hard to hear the man enlisting his threat to report me for fraud because we asked him to not contact my husband but instead only contact me for my debt. 

I have never not responded to their attempts to communicate with me, i sent them an email asking for all information they have saying i owe this debt and have not received it, they have sold my debt now three times and have hit my credit report twice every time effecting it multiple points. They say they have sold my debt but yet the same company contacts me everytime, everytime i explain the situation and how we can resolve it. So this is not a matter of me dodging communicating as i stated Prior they record everything and should have recording of me contacting them as well so that they did not think i was avoiding them. They are illegally finding information about my life and using it to have other people pay my debt for me. This is illegal. We have been harassed and i am tired of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : Inquiry from XXXX on XX/XX/XXXX. 
DUPLICATE UNAUTHORIZED INQUIRY, PLEASE DELETE Inquiry from XXXX on XX/XX/XXXX. 
DUPLICATE UNAUTHORIZED INQUIRY, PLEASE DELETE Inquiry from XXXX  XXXX on XX/XX/XXXX. 
DUPLICATE UNAUTHORIZED INQUIRY, PLEASE DELETE Inquiry from XXXX  XXXX on XX/XX/XXXX. 
DUPLICATE UNAUTHORIZED INQUIRY, PLEASE DELETE

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 2022-07-22
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX l has violated my rights. Under 15 U.S.C 1692 b ( 2 ) ; Under 15 U.S.C 1692 b ( 5 ) and Under 15 U.S.C 1692 c ( a ). Also 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 an account without my written instructions.

Experian Credit bureau is currently reporting inaccurate information on my report such as multiple inaccurate names and addresses that are not mine, account status shows Date Opened is inaccurate, Date of Last Activity is inaccurate and missing data. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Experian is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. '' 1. Please DELETE inaccurate or fraudulent names off my credit report below XXXX XXXX 2. I have been a homeowner for over 20 years. Please remove all incorrect or fraudulent ( X ) addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are 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 2023-12-04
Company: Experian Information Solutions Inc.
State: TN
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:
Remove this inaccurate account from my credit report, as I did not authorize its creation or use. The attached documents substantiate my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Possible Financial Inc
State: MI
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 XXXX, XXXX XXXX, and POSSIBLE FINANCIAL, has violated my rights. 15 USC 1681 Section 602 states, I have the right to privacy. 15 USC 1681 Section 604a states, a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b states, a creditor may not treat a credit card account under an open end consumer credit plan as late for purpose. I request that you remove this information from my credit report or investigate the accuracy of it. Please verify the information with the creditor and provide me with documented evidence of the verification process.

As outlined in 15 U.S. Code 1681e, you are required to comply with reasonable procedures to assure the maximum possible accuracy of the information contained in my credit report. If, upon investigation, you find that the disputed information is inaccurate or incomplete, you must promptly delete, modify, or correct such information or block the reporting of the disputed information, and inform the creditor of the same. 

I expect a response from you within 30 days of receiving this letter, as per the Fair Credit Reporting Act 's requirements. Failure to do so may result in legal actions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Experian Information Solutions Inc.
State: CA
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:
There are over 70 credit inquiries on my credit file with XXXX, XXXX  and experian and as everyone knows credit inquiries take over a year or two to remove that inquiry. For over 65 of the credit inquiries I personally didnt apply for so i now need these inquiries on all my reports.

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 2023-12-04
Company: Experian Information Solutions Inc.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My commitment to on-time payments is unwavering for these accounts. Requesting an urgent update to accurately depict this history.

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 2022-07-22
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:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX 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 connot furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: PHH Mortgage Services Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Paid off mortage electronically. Can see it on line. Company keeps making excuses why they can not send off a pay off letter. Paid off XX/XX/XXXX. Then they said we owe {$1.00} more. so it was sent in electronically on XXXX XXXX. Now they they recievec that money and tell us the money is in a suspense account. Not sure when they can send a letter off. Company name is PHH Mortage services XXXX XXXX XXXX XXXX XXXX NJ. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
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 XXXXXXXX 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 connot furnish an account without my written instruction.

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 2020-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My collections history is being impacted by Transunion failure to correct an amount in collections from XXXX XXXX XXXX XXXX XXXX initiated XX/XX/XXXX. This is not my debt, I resolved the billing error on the account with XXXX XXXX in XXXX. The Transunion was contacted in XX/XX/XXXX as to the inaccuracy and the debt was in error. I have not received any communication from any party regarding dispute resolution.

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 2022-07-22
Company: Winklevoss Exchange LLC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I logged on to transfer money out of my account. The site ( Gemini.com ) was not accepting the only password I ever used for the site so I changed my password and was not able to access my funds ( simply request the transfer of funds out of that account and to my bank ) : they locked my account for XXXX hrs. Now XXXX weeks later the account is still locked and I still can not process the transfer of funds out of my account. The company has no number that I can call and customer service support is extremely slow and due to my schedule it may take another 5 days before I can get into my account... this is going round and round and is a block to me accessing my money in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Once again someone is trying to collect a XXXX debt that is not MINE. They are trying to COLLECT from a XXXX XXXX XXXX ... This is NOT Me. This is the forth time I have reported this ... It goes away for a few months and a NEW Debt Collector comes back. I NEVER had a XXXX account. PLEASE MAKE IT STOP. I have submitted all necessary paperwork to the creditor and still no resolve. I am done providing them this information as it is a waste of time.

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 2023-09-09
Company: Experian Information Solutions Inc.
State: NC
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:
Based on the Privacy Act of 1974, my personal information stored in records to supply openly has been compromised. 

Experian is reporting bankruptcies on my credit report and I did not provide consent on any level or medium for them to report my personal and private information. 
I filed a dispute online and it came back within XXXX hours as verified. This information was collected as automated to come back as " verified ''. This is XXXX! 
Experian is in violation of 15 U.S. Code 1681 - Permissible purposes of consumer reports I have submitted a formal complaint to the U.S. Department of Justice to further investigate Experian regarding this matter. Next step is to sue!

I am asking, how is this verified and which neighbor, associate or family member was contacted within XXXX hours to confirm this information as verified? 
I need to attach this information to my file with the Department of Justice 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 explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: NY
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'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 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 2022-12-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am writing to report that Citibank has failed to return a credit balance in my Citibank Visa XXXX ending in XXXX in the amount of {$54000.00} as a result of an overpayment I made on XXXX due to a decimal point error. I reported the overpayment to Citibank on XX/XX/2022 and a three-way phone call with XXXX XXXX XXXX confirmed the transaction and the overpayment from my checking account on the same day. I have since made daily follow-up phone calls to Citibank for an update of my request but to no avail. I had a scheduled telephone appointment with XXXX XXXX no last name given ), XXXX of the customer service managers, at XXXX on XX/XX/2022 but I did not receive a phone call. 

Pursuant to Customer Financial Protection Law, 12 CFR Part 1026.11 ( a ) ( 2 ), when a credit balance in excess {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer. 

CitibankXXXX  delay in refunding my overpayment has caused a tremendous financial burden to me requiring me to take out a loan to maintain cash flow.

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 2017-07-02
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a new house on XXXX XXXX, 2016.
The minimum payment is {$1200.00}. This amount does not include escrow, which I cancelled three months ago for reasons I will explain below. Every time I make a payment I add an extra amount ( normally {$3000.00} ) toward the principal. The Ditech website has a specific space where I can type the extra amount ; it is called " Additional Payment ''. However, very month, Ditech redirects the additional payment toward future interest and escrow ( which, as I pointed out, I cancelled because of this ), and gives me permission to skip the next two monthly mortgage payments, and pay interest and escrow two months in advance. I have told Ditech to stop doing this, but the problem persists. All this is causing me a lot of confusion and prevents me for seeing a clear picture of the amortization table. I need two things done : 1. I request that Ditech stops redirecting additional payments toward future interest.
2. I do not want the escrow reinstated.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

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