BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-20
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ). The following is a list of the negative items : The inquiry by XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX was not authorized by me. According to the FCRA, credit inquiries must be authorized by the consumer in writing, and I have no record of providing such authorization. Therefore, I request that this inquiry be removed from my credit report. 

The inquiry made by XXXX - XXXXXXXX XXXX on XX/XX/XXXX has reached the statute of limitations. According to the FCRA, credit inquiries that are more than two years old should not be reported on the credit report. Therefore, I request that this inquiry be removed from my credit report.

Similar to item 1, the inquiry by XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX was not authorized by me. As per the FCRA, any credit inquiry not authorized by the consumer must be removed from the credit report. Therefore, I request that this inquiry be removed from my credit report. 

The personal information on my account number, which belongs to XXXX XXXX XXXX in XXXX, CA XXXX, is incorrect. The FCRA requires that all personal information reported in the credit report must be accurate. As this address belongs to someone else, I request that it be removed from my credit report. 

The account number belonging to XXXX is not my employer, and the FCRA requires that all information reported must be accurate. Therefore, I request that it be removed from my credit report. 

The account number belonging to XXXX XXXX XXXX XXXX is not my employer, and the FCRA requires that all information reported must be accurate. Therefore, I request that it be removed from my credit report. 

The account number belonging to XXXX is not my employer, and the FCRA requires that all information reported must be accurate. Therefore, I request that it be removed from my credit report. 

The inquiry made by XXXX XXXX on XX/XX/XXXX was not authorized by me. As per the FCRA, any credit inquiry not authorized by the consumer must be removed from the credit report. Therefore, I request that this inquiry be removed from my credit report. 

In accordance with the FCRA, I request that you investigate and remove the aforementioned negative items from my credit report. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: Credit Karma, LLC
State: SC
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: Didn't receive services that were advertised

Complaint:
Credit Karma stated that I had an Excellent chance at being approved for a credit card based on my credit history however once I applied and they pulled my credit I was denied. Credit Karma should not have offers stating Excellent approval knowing that they do a hard inquiry on your credit only to get denied. Now I have a hard inquiry on my credit report and got denied for the card. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be fraudulent. The disputed inquiries do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the inquiries are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX Balance : -, BANK OF XXXX XXXX XXXX. XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX  XXXX Balance : -, XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XXXX XXXX, XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/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 2022-11-17
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I recently discovered there was a mortgage taken out in my name in XXXX of XXXX. The account information appeared on my home page for the mortgage serving company XXXX XXXX. My XXXX XXXX XXXX account was moved to this new company starting XX/XX/XXXX. I was shocked to see this mortgage appear. Researching the mortgage, I see the account was established on XX/XX/XXXX. The company named on this loan is Resurgent Capital, Resurgent Mortgage Serving. This is the same company I filed a complaint with CFPB, ( # XXXX ), on XX/XX/XXXX. Resurgent was attempting to collect a debt from a bankruptcy filed in XXXX. I explained to the person calling that day that Federal laws prohibit any attempts to collect on a bankruptcy 21 years later is in violation of the law. I asked for the callers name, ID case number, etc. They never came back on the line. So I have a mortgage account, falsely set up using an apartment I rented back in XXXX. We lived there for one year. I have all the supporting documents to show what they did. This is outright fraud. I have asked XXXX to remove this bogus mortgage from their website and they emailed back stating there is no way to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions 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:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2023-05-29
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: 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 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 2022-11-17
Company: Bread Financial Holdings, Inc.
State: OK
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:
I have an Ulta XXXX through Comenity Bank that has no been updated through the credit bureau since XX/XX/2022. The account is paid off, but my credit report is still showing a balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX 15 U.S. Code $ 1681c-2 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 It has been 30 days and you are in VIOLATION of this law because I am a victim of id theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2022-11-17
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2022 I sent an accidental payment in the amount of {$1200.00}. I intended to make a request for payment. After attempting to get my money back from the person it was accidentally sent to without luck, I contacted Venmo on XX/XX/XXXX. I notified them in writing of the accidental transfer and attempts to get my money back from the person. Venmo stated that I was for all intents and purposes " XXXX out of luck ''. They said there is nothing that they can do for me and I have to take it up with the person that the funds were accidentally sent to. 

I have an extensive history of sending this person requests for the funds over the last two years as he owes me for a loan in that amount. Clearly, based on that and messages I sent to the individual starting the morning of XX/XX/2022. XXXX individual promised multiple times that he would return the funds. I sent screen shots of these promises to Venmo and was told again that the only recourse I had was to pursue getting my money back from the individual account holder and that they could only take action if given express authority from the account holder. 

I sent Venmo the rules for Regulation E 11 days ago and have received zero response from them. The recipient refunded {$300.00} of the accidental funds but has not refunded anything else. He keeps stating he will send the money back as soon as whatever made up crisis of the day is and then doesn't respond again until I hammer him with messages. He has no intent of paying back the original loan or returning the remainder of the funds sent in error. Venmo will not assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
After rereading the Citi response of XX/XX/23, XXXX points require more explanation. Paragraph # XXXX : How and when did Citi come to understand that I had agreed to have my account information stored with said merchants? Does Citi read and maintain every set of terms and conditions for every merchant for every Citi customer? You must, for how else could they assert otherwise? In that case, please provide me with a copy of every set of terms and conditions you have on file for the merchants listed on my account. Paragraph # XXXX : regarding your ABU, it is for merchants or vendors who have an established recurring payment on your account Please define recurring 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 explanation
Consumer complaint received 2022-11-17
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
During my post foreclosure research I found that the foreclosing entity 's securitized XXXX trust never came into legal existence. Therefore the " trustee '' that foreclosed, XXXX XXXXXXXX XXXX, XXXX, which is not a bank but a corporation owned by the parent bank, could not have foreclosed. The foreclosure is void as a matter of law and yet the XXXX XXXX XXXX in Massachusetts allowed the non-existent trust and the attorneys representing purported third party buyers to wrongfully evict me from my home, as a XXXX single woman, who was denied reasonable accommodation in seeking more time to find suitable housing. The whole thing was a fraud ; I was set up with a fraudulent predatory mortgage from inception. 

There was no harmed party, which I plead to the XXXX XXXX XXXX. Obama bailed out the fraudulent actors three times over, with bail outs of title insurance claims to XXXX and direct bail outs to the large banks, followed by near zero interest loans from the XXXX while the banks financially XXXX homeowners with usurious interest rates on credit cards and various financial instruments at taxpayer expense. No harmed party means no claim, no purported third party claimant. These actors stole my home and a rental property.

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 2023-05-29
Company: Experian Information Solutions Inc.
State: OH
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 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 2022-11-17
Company: CAINE & WEINER COMPANY, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Caine and Weiner reported a debt in the amount of {$250.00} on XX/XX/XXXX. No letter was ever sent to me regarding their ownership of the debt or who the original debtor was and my rights to dispute the letter. I called multiple times to retain information or dispute this account but they always lie and say they dont have any notes that I called or spoke with anyone. 

On XX/XX/XXXX when calling them in attempts to retain more information and possibly settle the debt, I was informed by a manager that it is illegal for them to remove a negative mark off any credit unless the amount is paid in full. This is a direct violation of the Fair Credit Report Act which does not state that it is illegal for credit agencies to delete a debt unless paid in full. If there is an error the collection agency must work to fix that error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I am reaching out for the XXXX time to submit a complaint regarding the urgent need for removal of specific fraudulent items from my credit file. The details of the items requiring deletion are outlined in the attached report. As a victim of identity theft, I affirm that the charged transactions and opened accounts listed in my credit report were not authorized by me. It is imperative that these items be promptly removed to rectify the inaccuracies in my credit history. To substantiate my case, I have reported the identity theft to the Federal Trade Commission and have attached copies of the Identity Theft Report they provided. I want to emphasize that I have never granted access to my private and confidential records, especially not to the alleged information currently displayed on my credit report. In accordance with FCRA Section 605b, I kindly request that the Credit Bureaus expeditiously remove these inaccurate pieces of information from my credit report. Please take immediate action to delete the following items within the next 15 days, before my scheduled credit report update : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: Augusta Collection Agency, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
AUGUSTA COLLECTION AGENCY NEVER VALIDATED THE DEBT ( PER MY WRITTEN REQUEST ) BUT THEY ARE STILL REPORTING IT TO XXXX. THIS IS A COMPLETE VIOLATION OF THE FAIR CREDIT REPORTING ACT!!!!! WHICH CAN ALLOW ME TO SEEK DAMAGES FROM THE COLLECTION AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Early Warning Services, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company called me and asked if I was the person they were searching for. I told them I was. I then asked the collector to please stop calling, send a verification of debt, validation letter, original contract with my name on it and signed, and the verification that they have the right to collect from me. The lady asked for my birthday and again I asked to have those items and for her not to call anymore or the company. I did not answer about my birthday. She got irate and said she refused to send anything g bevause I did not answer her question.

Company response to consumer: Closed with explanation