BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: In progress
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: TN
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

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 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 explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to express my profound frustration and annoyance concerning the sudden appearance of a multitude of unauthorized accounts on my credit report. This egregious error has arisen from fraudulent activity, and I demand an immediate and thorough investigation to rectify this situation promptly. 
XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX  PLEASE DELETE!!! 
XXXX XXXX XXXX XXXXPLEASE DELETE!!! 
XXXX XXXX XXXX XXXX XXXXPLEASE DELETE!!! 
XXXX XXXX XXXX XXXX XXXXPLEASE DELETE!!! 
XXXX XXXX XXXX XXXXPLEASE DELETE!!! 
XXXX XXXX XXXX XXXXPLEASE DELETE!!! 
I recently discovered a multitude of unauthorized accounts on my credit report, and I am appalled at the lack of oversight that has allowed these fraudulent entries to tarnish my credit history. This fraudulent activity has the potential to wreak havoc on my financial standing, and I insist on immediate action to rectify this grave error. I demand an urgent investigation into the origin of these unauthorized accounts and their immediate removal from my credit report. Immediately delete all unauthorized accounts listed in the attached document from my credit report.

Company response to consumer: In progress
Consumer complaint received 2023-12-17
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/XXXX at XXXX I spoke with Equifax agent XXXX case # XXXX about my identity being stolen and used multiple times in XXXX, XXXX, XXXX at various banks without my consent as well as charge offsI have listed on attached file, of certificates of indebtedness that is classified as income which is illegal to report income and transaction history that must be corrected immediately and marked as paid as agreed. 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 XXXXXXXX all did not have written consent and according to Privacy Act of 1974 and 15 USC 6802-6805, 15 USC 1681 inaccurate reporting must be removed immediately for ID theft as well.

This has disenfranchised me from obtaining my needed trust account as well as losing my accounts making me become destitute and living in the streets now.

I DEMAND reparations and remedy as a Federally protected consumer. 
I also DEMAND ALL addresses removed except c/o XXXX XXXX XXXX Texas XXXX from my accounts due to being NON MAILABLE ADDRESS.

Company response to consumer: In progress
Consumer complaint received 2024-01-16
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am writing to file a formal complaint against Citi Bank for their handling of a dispute related to my Best Buy credit card. My issue involves a lost package from Best Buy, and the subsequent response from Citi Bank, which I believe is inadequate and fails to protect my consumer rights. On XX/XX/2023, I used my Citi Bank Best Buy credit card to make a {$140.00} purchase from Best Buy. Unfortunately, the package never arrived, and after following up with Best Buy, the issue remained unresolved. Expecting support from my credit card issuer, I reached out to Citi Bank to dispute the transaction due to non-receipt of goods. However, Citi Bank 's response was to direct me to contact the merchant ( Best Buy ) for resolution or to cancel the transaction. This advice is not only unhelpful but also disregards the protections I should be afforded under the Fair Credit Billing Act. As the credit card issuer, Citi Bank has a responsibility to intervene in such disputes, especially when the merchant fails to resolve the issue satisfactorily.

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 2023-12-13
Company: EQUIFAX, INC.
State: CT
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: In progress
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to dispute and request an immediate investigation into certain items on my credit report, which I believe are reported inaccurately. After reviewing my credit report, I have identified discrepancies that are causing significant harm to my creditworthiness. I kindly request that you conduct a thorough investigation into these matters and provide me with the results in a timely manner, as required by law. If any documentation or clarification is needed, please inform me promptly. The following items require your immediate attention : XXXX  XXXX XXXX  and XXXX XXXX XXXX. I do not recognize this public record, and it is not associated with me. Reporting this item is erroneous, and I request its immediate removal from my credit file. This inaccurate information is detrimental to my creditworthiness and must be corrected : US BKPT CT CA XXXX XXXX XXXX Filed on XX/XX/2017. Failure to address and correct these inaccuracies within the stipulated timeframe will leave me with no choice but to pursue legal action to rectify the harm caused by these reporting errors.

Company response to consumer: In progress
Consumer complaint received 2023-12-04
Company: MOHELA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
Account # XXXX I was trying multiple times to ask Mohela why it took so long ( more than 3 months ) to approve the request for changing payment plan to XXXX  plan ; so far no response. The agents told me that there was a technical issue that prevent the reviewer to realize I submitted the plan back in XXXX so they had to renew that request. As a result, my accrued interest YTD is {$3200.00}. 

Please expedite the process of approving my request as it is too late now and also waive that minus {$700.00} because had I been approved the plan timely and made the payments above those remaining interest had been waived. This is the fault of Mohela and they should rectify to protect my rights. 

Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: DC
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 was finally able to get on XXXX XXXX and saw that my score was negative as I am beginning to buy a house. I see that a ton of loans were taken out in my name that were not mine. I have listed them below and on the police report. 

The accounts are : Someone stole my identity and opened the following accounts using my name. Please remove these. Thank you! 

XXXX XXXX XXXX XXXXXXXX Reported : XXXX XXXX XXXX XXXX {$7200.00} XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$10000.00} DEPT OF ED / XXXX Reported : XXXX XXXX XXXX XXXX {$11000.00} In good standing DEPT OF ED / XXXX Reported : XXXX XXXX XXXX XXXX {$4300.00} In good standing DEPT OF ED / XXXX Reported : XXXX XXXX XXXX XXXX {$16000.00} In good standing DEPT OF ED / XXXX Reported : XXXX XXXX XXXX XXXX {$3700.00} In good standing DEPT OF ED / XXXX Reported XXXX XXXX XXXX XXXX XXXX {$6400.00} In good standing DEPT OF ED / XXXX Reported : XXXX XXXX XXXX XXXX  {$5100.00} In good standing DEPT OF ED / XXXX Reported : XXXX XXXX XXXX XXXX {$1800.00} In good standing DEPT OF ED / XXXX Reported : XXXX XXXX XXXX XXXX {$3100.00} In good standing DEPT OF ED / XXXX Reported : XXXX XXXX XXXX XXXX {$3600.00} In good standing DEPT OF ED / XXXX Reported : XXXX XXXX XXXX XXXX {$7200.00} In good standing DEPT OF ED / XXXX Reported : XXXXXXXX XXXX XXXX XXXX {$4800.00} In good standing DEPT OF ED / XXXX Reported : XXXX XXXX XXXX XXXX  {$8800.00} In good standing DEPT OF ED / XXXX Reported : XXXX XXXX XXXX XXXX {$9300.00} In good standing DEPT OF ED / XXXX Reported : XXXX XXXX XXXX XXXX {$4600.00} In good standing DEPT OF ED / XXXX Reported : XXXX XXXX XXXX XXXX {$600.00} In good standing DEPT OF ED / XXXX Reported : XXXX XXXX XXXX XXXX {$3700.00} In good standing XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$5700.00} In good standing XXXX Reported XXXX XXXX XXXX XXXX XXXX {$640.00} In good standing XXXX XXXX XXXX XXXXXXXX Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5200.00} In good standing

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 2023-11-15
Company: Experian Information Solutions Inc.
State: AZ
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:
This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 explanation
Consumer complaint received 2023-04-03
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The creditor failed to send me notice about the alleged account. I learned of the account via my credit report. The account shows an open date of XX/XX/2023 and an adverse report date of XX/XX/2023. Typically an account goes into collections after 90 days. However this was not the case, because on XX/XX/2023 the account would legally be called a charge off. At that point, the alleged account qualified for collections. The collection agencys illegal practices are damaging my credit. I demand that National Credit Systems remove this account from my file Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: The CMI Group, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing this complaint due to an unjust debt collection attempt made by CREDIT MANAGEMENT claiming that I owe a debt for XXXX XXXX services at an address where I have never resided or authorized services. 

XXXX XXXX of the Dispute : Incorrect Service Address : The debt collection notice states that the services that they provided. I have never lived at this address nor have I ever authorized or utilized XXXX XXXX services there. 

Absence of Wet Signature for Service Agreement : Importantly, I have never signed any service agreement with XXXX XXXX, especially not for the address mentioned. A " wet signature '' ( a physically signed document ) is typically required for such agreements, and no such signature exists from me, as I have never engaged in any contract with XXXX XXXX. 

Time Period of Alleged Service : The alleged service period. Throughout this time, my actual residence was at [ Your Actual Address during that time ], which can be substantiated with [ mention any proofs like lease agreements, utility bills, etc. ]. 

Account Information : The debt collection notice references account number. I have no knowledge of this account and reiterate that I have never entered into any agreement with XXXX XXXX. 

Request for Validation of Debt : I request comprehensive proof of this debt, including a copy of any service agreement bearing my wet signature, details of the service provided, and any evidence linking my identity to this account. 

Impact on Credit Score : I am highly concerned about the potential negative impact of this erroneous claim on my credit report and request that all related negative reporting be immediately rectified. 

Sought Resolution : Given the absence of any valid agreement or service usage on my part, I request the following : Immediate cessation of all debt collection attempts related to this claim.

A formal acknowledgment of the error and confirmation of my non-liability for this debt.

Immediate correction of any negative information furnished to credit reporting agencies concerning this matter. 
This situation appears to be either a case of mistaken identity or fraudulent activity. I am willing to provide further necessary documentation to aid in the swift resolution of this issue. 

I appreciate the CFPBs assistance in resolving this matter and protecting my consumer rights. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: LA
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:
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 response to consumer: In progress
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: FL
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 sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$1000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$940.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$720.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$150.00} ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ;

Company response to consumer: In progress
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: GA
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 appreciate your efforts to address some of the fraudulent items in my file resulting from alleged identity theft. However, there are still items that need to be removed. This marks my third complaint as a victim of identity theft, and I am submitting a dispute for the remaining fraudulent items in my file. The items I am disputing have no connection to any transactions involving the possession of goods, services, or money that I have made or authorized. Please remove the reporting of these items in my credit file, as they are unknown to me. Additionally, the information provided on these items has been deleted from other bureaus, casting doubts on their accuracy and reported payment history in my file. I have attached my FTC Report # XXXX for your reference. Here are the remaining items that need to be removed from each bureau : -- -- -- -- -- -XXXX XXXX -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/2020 XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2000.00} -- -- -- -- -- -EQUIFAX -- -- -- -- XXXX - XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2000.00} -- -- -- -- -- -XXXX -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: In progress
Consumer complaint received 2023-12-18
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX XXXX XXXX XXXX XXXX b/c of covid I was not receiving a normal paycheck I called my lender and asked them for assistance. they paused my payments and I was told by the rep that I would not be reported late. but both XXXX and XXXX were reported late in XXXX  I since have been current with my mortgage and have made attempts to have the late charges removed or reported as no data as did the other months during the covid pandemic. 

WellsFargo has refused to do so. I have spoken with them and asked them to help me but I feel that they are not willing to do so b/c of my ethnicity and in fact discriminating against me b/c I am XXXX. I spoke with XXXX in your main office. She was horrible and treated me with a very dismissive tone. 

Is it wellsFargo normal practice to be antisemitic? I unfortunately believe it is and if I had another background they would have taken my concerns more seriously. It disturbs me that in today 's climate WellsFargo would opening discriminate in such a way.

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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Inproper use of my credit i was never late on this account saying im late on my report please show me Documentation and proof of transaction..showing i was ever late to support your inaccurate reporting to my account... if they can not supply this please Delete this alleged late payment from my credit report ... this is an invalid late payment ... The FCRA allows 30 days for this to be rectified... thank you.

Company response to consumer: In progress