BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-02
Company: CITIBANK, N.A.
State: TX
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:
On XXXX of 2020 I filed a dispute with this account explaining how I was a victim of fraud. Someone used my credit card information to take a large sum of money from my account, in which I received no benefit from.I have been paying off my balance for 20 years on time with no problems. When I filed the dispute, I was told someone from the fraud department would contact me and help me. Additionally, I had been calling them numerous times to try to get this resolved. I have not received any help. I had been paying the minimum balance of this account for fear it would affect my consumer report. I recently just stopped this pass XXXX. Now the company has lowered my credit limit, threatened to close my account, threaten to write it off as a collection, and will be ( if they haven't already ) ruining my consumer reputation by submitting their inaccurate information to the credit bureaus.

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 2023-06-28
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:
I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXXXXXX Balance Owed : {$620.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/2023 Ive disputed four accountS XXXX, XXXX, XXXX and XXXX multiple times with the company and with the cfpb for multiple fcra violations ranging from charged off accounts transferred with balance reporting, charged off account still reporting past due balance, high credits and balances. The dates of last payments contradict the payment history, in addition these account have inaccurate as well as incomplete information reported on my consumer report. Ive disputed these discrepancies multiple time which resulted in these accounts being verified. I ask that you delete these accounts immediately its in violation on 15 u.s.c 1681

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 2018-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XX/XX/2018 I called Transunion and faxed the requested identity theft reports from the Federal Trade Commission and was told that the items would be disputed. I informed the representative that I was not trying to file a dispute, that the listed items were fraudulent accounts that resulted from identity theft. I spoke with a representative today and was told the FTC reports " did not meet their procedures for blocking accounts. '' I asked the rep to send validating documents that were used to verify the accounts, which I was informed they couldn't send. I'm just frustrated not only was the US supervisor ( rep ) speaking in a very rude manner, but I just don't feel it is fair for these accounts to still be reported when they do not belong to me. I couldn't even get the addresses linked to these accounts. I've previously tried contacting the creditors directly to no avail. They sent bills, no contracts with signatures or anything so I'm thinking the accounts were possibly opened electronically.

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 2023-06-09
Company: Experian Information Solutions Inc.
State: AR
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:
As I investigated my credit report, I found out that some of the information are incorrect. The 3 credit bureaus are required to correct these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update the following accounts. Fifteen ( 15 ) days from receipt of this letter is the length of time you are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless you notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the accounts must be promptly updated. These are the following accounts that needs to be corrected : XXXX XXXX XXXX Balance : {$95000.00} ; XXXX XXXX XXXXXXXX Balance : {$540.00} ; XXXX XXXX Balance : {$320.00} ; XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXXXXXX Balance : {$3100.00}.

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 2023-09-06
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-04
Company: Experian Information Solutions Inc.
State: DC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted a dispute via post mail. Experian replied to my dispute on XX/XX/XXXX with the following : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at www.experian.com/dispute. '' However, Experian updated my personal information ( name - adding my full middle name that is on my drivers license ) after receiving my dispute that included a copy of my drivers license and utility bill. They can't say that they don't think it's me making the request but use in the information in my dispute to update my credit profile. This is a blatant attempt to stall my investigation and dispute request.

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 2017-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Using my XXXX credit card number to make XXXX and XXXX distributing purchases of computer equipment. 
Also, attempting to open credit applications with XXXX XXXX and Bank of America using my credit security information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Submitted a dispute with Experian regarding incorrect information on XXXX tradelines from XXXX XXXXXXXX. Creditor retaliated for the dispute at almost the last minute by marking it as presently being a charge-off account, while simultaneously keeping it with a closed/ paid off remark. Experian claimed that the information was verified, even though I provided documentation that the accounts were never late to begin with, and despite the fact that it's long since showed paid off. Experian is clearly not paying attention to details.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Hillcrest Davidson & Associates
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed a collection on my credit profile in the amount of {$420.00} that I did not recognize. I mistakenly assumed it was part of a slew of collection debt efforts for an unpaid cable bill or for some cable equipment that wasnt returned by my ex-roommate at the time. I did not know where it was from nor whom had placed it collection. But I knew it wasnt my debt. So, I attempted to dispute the collection, but because I disputed the wrong company and for the wrong reasoning, my dispute was not resolved. The company only validated mu identity. This an unethical ploy that collection agencies use to keep debt in collection status. I am not disputing my identity. I am disputing the validity of the debt. But again, because I blindly disputed the debt, it was validated as tied to me. I would like to know how??? 
I called the company that originally placed the debt into collection : XXXX XXXX XXXX XXXX XXXX. On XX/XX/2020 @ XXXXPST I spoke with a XXXX XXXX XXXX XXXX company representative by the name of XXXX ( Employee ID # XXXX ) and we spoke for 15 full minutes trying to track down this debt. I provided her with all of my personal information, including my SS #, my birthdate and my full name and address. She put me on hold several times and spoke with two separate mangers from two separate departments- the billing department and the accounts department. XXXX finally concluded what I already knew : the debt CAN NOT BE FOUND UNDER MY SS # NOR MY NAME! She it doesnt exist and could validate the debt in any wat whatsoever. The debt is not mine and I knew it. But again, because I dispute the wrong information form the wrong company the credit bureaus do not want to re-investigate. This is not lawful. THE DEBT IS NOT MINE NOR CAN THE ORIGINAL COMPANY VALIDATE IT IS TIED TO MY NAME NOR SOCIAL SECURITY NUMBER!!! The absolute abuse of power and the KNOWN unethical practices collection agencies use is criminal! I do not owe this  debt and I it removed from my credit profile immediately!! 
Please stop these collection companies from ruining peoples lives! We are powerless to do anything about it and we are left guilty until proven innocent! Collection agencies and their power need to be broken! There actions are border line illegal and most certainly ethical!!! It is completely ridiculous!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to the negative information on my credit report that has been affecting my credit score. Upon reviewing my report, I have found several inaccuracies that I would like to bring to your attention. 

Firstly, I did not authorize an inquiry by XXXX XXXX, XXXXXXXX on XX/XX/XXXX. Additionally, inquiries on my report have reached the statute of limitations. 

Secondly, I have no recollection of belonging to an account with XXXX XXXX XXXX, account number XXXX. Therefore, it is not possible for you to update this account, and I request that you remove it immediately from my credit report. 

Thirdly, I would like to dispute the accuracy of the reporting for my XXXX XXXX  account, account number XXXX. To the best of my knowledge, this account has never been paid late, and the reporting is completely inaccurate. I urge you to update this account and delete the incorrect information immediately. 

Fourthly, I have no recollection of belonging to an account with XXXX  XXXX XXXX, account number XXXX, and Fifthly, XXXX  XXXX XXXX, account number XXXX, and Sixthly, XXXX XXXX  account number XXXXXXXXXX. Therefore, it is not possible for you to update these accounts, and I request that you remove them immediately from my credit report. 

Seventhly, I did not authorize an inquiry by XXXX XXXX, XXXX XXXX on XX/XX/XXXX. Additionally, inquiries on my report have reached the statute of limitations. 

Lastly, I can not recognize the business XXXX XXXX, account number XXXX, and I request that you investigate this account and delete it from my credit report if it does not belong to me. 

I hope that you will take the necessary steps to correct these inaccuracies in a timely manner. Thank you for your 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 2021-01-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2020 went to the bank to used the atm card.My card got stuck the screen went black looked at my statement there was a XXXX unauthorized withdrawal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Experian Information Solutions Inc.
State: MD
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:
I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2021-09-09
Company: Kinum, Inc., Indianapolis, IN Branch
State: PA
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:
Since XXXX I have been disputing accounts on my credit I do not recognize. I have never received any mail from Kinum Inc, I do not know who they are, I never signed any contracts with them, and they refuse to validate debts that are on MY credit! I refuse to be a part of their game any longer! You are a federal agency! I demand that you force them to follow the FCRA, FDCPA, and other federal laws that have been set forth for them to follow. They have not responded to any of my validation requests, or a XXXX  complaint about them. They have illegally assessed interest and penalties to the account, without providing any reason or right as to why! I DEMAND JUSTICE! They have never responded to my requests, a violation of the FCRA, they have never sent me any dunning letters, a violation of the FDCPA, they have never sent me any mail at all, and yet they are on my credit. they have continued to report a disputed debt another violation. Kinum inc is breaking the law, HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account XXXX XXXX  ( XXXX adverse remarks ) Opened XX/XX/2014 has violated my rights. 

15 US.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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more man seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

They are also in violation for the CARES ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: EQUIFAX, INC.
State: MD
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:
I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation