BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-20
Company: CITIBANK, N.A.
State: MA
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 disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, XXXX forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The account was also deleted from my XXXX credit reports after I disputed the account which showed up on my XXXX credit report several months ago as well, so in order to correct the inconsistencies between the XXXX, XXXX, and XXXX credit reports, the account needs to be deleted from the XXXX and XXXX XXXX reports tied to my name and social security number. 

The information for this account listed on my credit report is : CREDITOR : CITICARDS CBNA, ACCOUNT XXXX, OPENED XX/XX/2019, BALANCE OF {$0.00} CREDITOR : CITI, ACCOUNT XXXX, OPENED XX/XX/2019, BALANCE OF {$0.00}

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 2018-08-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have multiple hard Inquiries on my credit report that are not mine or that are duplicates and should be deleted because they are violating the FCRA. I feel that I am a victim of the shotgunning of inquiries on my credit report or possibly even misplaced hard pulls on my report that do not belong to me and they need to fix my credit report. I have tried to mail both the creditors and XXXX  already with no results. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please investigate such occurrences and delete the following : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX   XXXX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I opened a Kohls XXXX XXXX on XXXX XXXX XX/XX/2021 in XXXX XXXX, XXXX  to make a purchase to get the additional 35 % off my purchase. I received a credit line of {$600.00} that day. I also paid my amount in full of {$290.00} right there in store. Fastforward to today XX/XX/2021, as I tried calling Kohls XXXX XXXX XXXX XXXX at XXXX to retrieve my account information as my card nor my statement/account number has not yet been received. I am needing the account information to submit to my lender XXXX Mortgage in order to close on the purchase of my home. I was told by Kohls XXXX XXXX ( and the XXXX ) that they can not give my account number over the phone to protect the customer. I also had XXXX ( XXXX XXXX XXXX  ) on the other line ( XXXX way call ) to verify that I need this time sensitive information. I was and am still willing to give Kohls any security information that they need in order to give me my account number. The XXXX emphasized they have no way of getting or giving me my own credit account number. That there is not a number or store I can go to in order to retrieve that information. That I simply have to wait for my card to come in the mail ( which can take up to XXXX weeks from mailing date, which was XX/XX/2021 ). XXXX and I both amplified multiple different scenarios to the XXXX as her consistent answer was to wait for it in the mail as they don't have access to my account number, that it's simply stated on the statement I will retrieve in the mail. I have NEVER held a credit account that I can't get access to my own personal credit account. This information needed for the purchase of my home is VERY time sensitive. And per Kohls XXXX XXXX XXXX Department they simply can not give it to me as they don't have it nor does any person ( s ) or establishments will have that information either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02
Company: CORELOGIC INC
State: MI
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 XXXX XXXX a hard inquiry was listed on my credit report. I contacted the company on XXXX XXXX I have not received any explanation back.

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 2018-08-25
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We purchased a XXXX XXXX home in XXXX and we paying on time every month, until XX/XX/XXXX, I was laid and my husband and I could no longer make the payment of {$3200.00} monthly. We paid up until XX/XX/XXXX and can no longer make further payments, since my family consists of XXXX people, including my mother who has had two XXXX. We contacted Flagstar Bank in XXXX when I lost my job and they gave us a list of agencies that could assist us in filling out the papers of hardship. We chose XXXX and visited with their office in XXXX, providing all the documentation requested. Since then we have communicating with XXXX  ( XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX ) and Flagstar Bank regarding the status and no one seems to be interested. Flagstar sent us a correspondence on XX/XX/XXXX stating our litigation matter has been closed and now threatening to foreclose on our home. We have been communicating with Flagstar Bank in between the above mentioned dates since we were not hearing from either one. Now with the latest threat of foreclosure we are very concern. I have little children ranging from XXXX to XXXX. Please I am seeking your assistance in helping us save our home. We have provided documents on our own as well this week and still nothing is being done. Thank you for your assistance.

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 2023-05-30
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:
I am writing to dispute the listed accounts on my credit report, which were reported by the credit bureau in violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681. The following accounts have been reported inaccurately and in violation of several sections of 15 USC 1681 : Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX  Balance {$510.00} Account name XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Status Collection account. {$8600.00} past due as of XX/XX/XXXX. 

Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX  XXXX XXXX  Balance {$1400.00} Specifically, these accounts contain outdated and incorrect information that has not been updated or verified, and they were reported without my written permission as required by law under Section 602 ( a ) of 15 USC 1681. In addition, they violate Section 1681c ( a ) ( 5 ) of the FCRA, which prohibits credit bureaus from reporting outdated information that is more than 7 years old. The accounts also violate Section 1681s-2 ( a ) ( 1 ) of the FCRA, which requires credit bureaus to investigate a consumer dispute within 30 days and remove any information that can not be verified. 

I also assert my rights under Section 1681g of the FCRA to access my credit report and dispute inaccurate information, as well as under Section 1681i, which requires credit reporting agencies to investigate disputes within a reasonable time frame. Furthermore, I dispute any inaccurate or misleading representations made by debt collectors on these accounts under Section 1692e of the FDCPA. Finally, I request the removal of any inaccurate or unauthorized information from my credit report under Section 1681 and Section 6802, which protects my rights to privacy and disputes unauthorized access to my personal financial information. I request that the credit bureau investigate these inaccuracies and remove any unverifiable information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX Invoiced by Capital 1 for {$1000.00}, Paid {$1000.00} for a remaining balance of {$15.00}. XX/XX/XXXX paid {$300.00} to essentially XXXX  the account. XX/XX/XXXX invoiced for {$1700.00}. Called to resolve where the additional {$900.00} charges came from, as they didn't appear on my XX/XX/XXXX invoice.Escalated up to " manager '' level and got a shell game about billing cycles but no explanation of how the {$900.00} failed to show on my XXXX invoice but suddenly showed up in XXXX When mutual review turned up {$600.00} in transactions. All attempts to clear up how {$900.00} I allegedly owed them failed to show in the previous invoice, as per Capital One I had entered XXXX with a remaining balance of {$15.00}. After failing to get an answer as to how a balance from a previous billing cycle wasn't shown on the next bill and then somehow got carried forward to the bill after that, decided to contact CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I cant even explain how terrible the customer service reps are within this company. On XX/XX/XXXX I attempted to register my card online and send money to myself using it on XXXX. My XXXX. It wasnt working so I called to see XXXX dollars had been taken off by some random consulting company. I told the rep I didnt take that money off to which he told me maybe I should stop putting my card in random websites. Like what? I asked for a supervisor to which he blocked my card and hung up on me. I called again and again and again over the next couple of days until I just gave up. All I got was some rude replies and telling me I have to wait 90 days. Today XX/XX/19 Im like let me check and see if anything changed, again a rude rep, when I asked what happened if this false company doesnt respond he says I assure you its not a false company, to which I said ok so what kind of company is it, he said wait 90 days and they will tell you after they investigate, Im like Im not sure you understand what Im asking, he kept repeating 90 days 90 days 90 days. What is up with this company? I only used my card once at XXXX XXXX and then registered it on their website, now my money is gone,. The reps are rude, vague and just sketchy, they are all over seas completely unregulated and unchecked in the way they speak. Im upset because my money is stolen right before XXXX and a rep is telling me I need to be more professional as it is human nature to be professional. I want my money back and I dont want to wait 90 days and I will be seeking out a lawyer because I feel they enabled the debiting of my money. I literally had to sell my phone and that was the money from my sale for my XXXX kids XXXX. I was belittled and mocked by their over seas agents. I would never recommend this gift card to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
LEXISNEXIS is reporting inaccurate public record information to the consumer reporting agencies that is a private matter and I never gave permissible purpose to report this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: Experian Information Solutions Inc.
State: SC
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:
Submitted information to experian through their upload portal. The information was what I was told I needed to do and I followed the exact instructions from the FTC site. My information was compromised several times in either a breach or unfortunately identity theft. Please see attached. I've also mailed in this same information before and never recited a reply.

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 2023-11-10
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon 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 2021-12-20
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2023-10-05
Company: Upstart Holdings, Inc.
State: NY
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:
I am not denying my account or stating this account isn't mine. I am not asking for verification as defined pursuant to 15 U.S. Code 1681a ( l ) ( 2 ) ( A ) information in the consumers application for the credit or other information bearing on the credit worthiness of the consumer ; or pursuant to 15 U.S. Code 1681a ( l ) ( 2 ) ( B ) of the information in the consumers application for the credit to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability. I am demanding you to remove my account information as you have no permissible purpose to furnish a consumer report in regards to i the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I received a copy of my credit report and found the following items to be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.

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 2023-06-25
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have submitted a claim to the XXXX credit bureaus to validate or delete these following accounts but they responded back with them being verified and accurate when they in fact, are not. My credit report is inconsistent and inaccurate and the following account must be deleted. 

XXXXXXXX XXXX XXXX Amount Owed : {$1000.00} In accordance with the Fair Credit Reporting Act Convergent Account # XXXX has violated my rights. 

15 U.S Code 1681 Section 602 A. States I have the right to privacy.

15 U.S Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: MI
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:
XXXX was informed that they were falsely reporting to the credit bureaus and that by doing so it was negatively impacting my credit score. I was informed that the account updated and reflected a {$0.00} balance. I informed that I would need a police report validating that the account was fraud. That's the only time they delete accounts from the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: CA
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 came to find out after checking my credit report that there have been fraudulent accounts opened under my name without my authorization! I had no idea that my personal information was being used and I am in shock. 

There are accounts which are UNAUTHORIZED and were not opened by me! 

The following accounts MUST be removed from my credit report as they are fraudulent and incorrect : 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief