BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
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 non-monetary relief
Consumer complaint received 2021-06-19
Company: Lending Club Corp
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: Account status incorrect

Complaint:
I tried to refinance my vehicle and was denied, the bank told me I had an unresolved charge off with Lending Club. I contacted them and they said I had to contact who bought the debt and they would update my credit report. I contacted Velocity and they said they can not update my report but will send me a release of claim showing my payment and the account is paid and settled. I sent that to XXXX  for review. They did not update the status of my account to Paid in Settlement, it still shows closed and written off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2023 American Express XXXX left a voicemail on the general voicemail box of my employer saying that my account was past due and that I needed to remit payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, 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:
I have this items that does not belong to me and i want it to be remove from the 3 reporting agencies. 

XXXX  1. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

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

XXXX  1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

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

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

XXXX  1. Identity Theft CAPITALONE Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: PA
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 occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that 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 block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. 
XXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$610.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$690.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$170.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$170.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$68.00} ; XXXX XXXXXXXX Balance : {$2500.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research account I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts 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 immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: EQUIFAX, 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:
recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalided and questionable items on my report the the agency didnt make sure was 100 % correct. 

in accordance with the FCRA everything has to be 100 % accurate on my report and under the US code 1681e ( b ) and 15 US code 1681 ( 5 ) these accounts are in violation of not reporting accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
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: Account information incorrect

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for their failure to properly investigate and rectify inaccurate and missing information on my credit report. Despite multiple attempts through letters and online disputes, Equifax has consistently verified inaccurate information without conducting a thorough investigation. It appears that they are biased towards creditors ' claims and do not independently verify the accuracy of reported data, as required by the Fair Credit Reporting Act ( FCRA ). 

XXXX particular account, the XXXX XXXX account, is a primary concern. This account is riddled with discrepancies, including missing payment history, balance history, and all historical information. Furthermore, the date of first delinquency for this account varies across the three credit bureaus, indicating a significant problem with the accuracy of the information being reported. 

The FCRA clearly stipulates that credit reporting agencies must ensure the information they report is complete, verified, and accurate. However, despite providing evidence to support my dispute, Equifax has ignored this evidence and continues to report inaccurate data. 

I am deeply concerned that Equifax practices are not in line with the FCRA 's requirements. It appears that Equifax may be favoring the word of creditors over the interests of consumers, making it exceedingly difficult for consumers like myself to dispute and correct inaccurate items on their credit reports. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly to ensure Equifax complies with the FCRA and takes the necessary steps to rectify the inaccuracies on my credit report. These inaccuracies are not only detrimental to my financial well-being but also violate my rights as a consumer. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue. Please do not hesitate to contact me should you require any further information or documentation to support this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 file has been compromised. Again, I was going through my records & noticed many items 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 opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  CT XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XX/XX/2022.

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 2021-06-19
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This account is a reinsertion that was put back on my credit report. They sold my account to another debt collection agency after removing it from my credit report. This account was put back on my credit report this month of XXXX from XXXX XXXX XXXX XXXX. They are also partnered with XXXX XXXX XXXX and sold my account to them. I sent them a letter back in XX/XX/2021. According to the FCRA they have 30 to validate my debt and if they do not this account have to be deleted due to a violation. That's what transpired. The account was deleted from my credit report. I have the copies of the letter and also have the certified receipt. As of XXXX of this month this account was put back on my credit report. They sent me a bill of this account with a new creditor Phoenix Financial services instead of XXXX XXXX XXXX and have the original Creditor XXXX XXXX XXXX XXXX. That's when I realized XXXXXXXX XXXX XXXX  sold this account. I was never notified although the bill says second request. I demand a deletion of this account from my Credit report. Also they never had my XXXX XXXX XXXX XXXX address to even send me a second request. I was never notified. That's how I also know XXXX resold my account to them. Due to sending out the first letter back in XXXX 2021.Thanks for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XX/XX/16 has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
State: IL
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'm writing to delete the following information in my file. The items I need deleted are listed in the report. I'm a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I just discovered on my Citi issued Best Buy credit card that I have been paying for a debt security program for I don't even know how long. Total cost to me has been hovering around $ 80/month and I don't know how long it has been this way. I am attempting to reach out to Best Buy and Citi now to rectify the situation, but I have not heard back yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to correct these pieces of suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX XXXX  XXXX Balance : {$22000.00} ; XXXX/XXXX  XXXX Balance : {$3.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$180.00}

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 non-monetary relief
Consumer complaint received 2023-08-01
Company: EQUIFAX, 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:
According to the fair credit reporting act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify trough the physical verification of the original signed document contract - any and all accounts you post on a credit report. 

Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account, I expect to see an original proof of the accounts that Im listing below XXXX  XXXX XXXX account : XXXX {$3100.00} comments : Not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-08-08
Company: BARCLAYS BANK DELAWARE
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:
Barclays Bank Delaware was paid off.They said they would remove it from my credit reports after I paid it off but them and the credit agencies haven't done anything to delete it from my credit reports. 

XXXX XXXX XXXX, DE XXXX Phone number ( 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 2019-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Between yesterday and today (XX/XX/XXXX-XX/XX/XXXX ), I tried to get my TransUnion credit report from XXXX four separate times. However, TransUnion 's end of the web site is broken and presented the same system error each of the four times. These attempts were made in different browsers, on different computers, and from different networks. Attached to this complaint is a PDF of the error message that resulted from my most recent attempt to retrieve my credit report today. It is clear that TransUnion 's part of the XXXX  request web site is broken and has been broken for days ( if not longer ) in violation of multiple provisions of 12 CFR part 1022.136.

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 2022-11-05
Company: Experian Information Solutions Inc.
State: MS
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:
A police report was submitted to ALL three bureaus ( XXXX, XXXX, and Experian ) XX/XX/2022, regarding identity theft regarding the following accounts : XXXX XXXX, Balance : {$3100.00}, XXXX XXXX : Balance {$1200.00}, XXXX XXXX Balance {$460.00}XXXX XXXX  : Balance {$260.00}, XXXX XXXX : Balance XXXXXXXX XXXX XXXX  : Balance {$300.00}, XXXX : Balance {$250.00}, XXXX XXXX XXXX  Balance {$400.00}XXXX XXXX XXXX Balance {$450.00}, XXXX XXXX Balance {$100.00}, and XXXXXXXX XXXX  {$670.00} XXXX removed accounts within 30-days, while XXXX and Experian have neglected to conduct a thorough investigation. Due to neglect, and it is XX/XX/2022, and no investigation results have been mailed to me. 

Per 15 USC 1681 B ( a ) 2 This law states that no one can furnish information on your consumer report without my written instructions.

Per 15 USC 1681 C-2 ( a ) Block Except as otherwise provided in this section, 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 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.

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 2021-06-18
Company: AG AH LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Arc Home LLC failed to release the mortgage I paid off approximately 2 1/2 years ago. I am selling the property and Arc Home LLC will not provide the release of mortgage to the buyer 's title company. Their failure to do so is interfering with my property rights. Dealing with the company and their mortgage servicer, XXXX XXXX, is a nightmare. 
I have made numerous calls, have spoken to many people, both at Arc and at XXXX XXXX, to no avail. 
Please help an aggrieved consumer so that Arc and XXXX XXXX might learn how to service a mortgage and a former customer. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$750.00}, {$12000.00}, {$3500.00}, {$2400.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$750.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 


-- AUTO LOAN OR LEASE 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation