BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-02
Company: CITIBANK, N.A.
State: GA
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 XXXX ( XXXX XXXX ), Account # XXXX ( redacted ) and Citicard 's CBNA ( Citi Bank XXXX XXXX Account # XXXX ( redacted ), 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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. 

XXXX reported a late payment on my account for XX/XX/XXXX and Citicards CBNA reported a late payment for XX/XX/XXXX. Beyond the violation of my rights, I have paid the accounts in full shortly after. These lenders, among others are still asking for my business so I must still be considered trustworthy. No harm no foul. The violation of my rights have injured my credit and myself as a person and I want these late payments removed from all credit reporting agencies, including but not limited to ( XXXX, XXXX, XXXX ) or further action with the XXXX, attorney general and others may be applicable under law.

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 2023-07-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Dear Sir/Madam, I am writing to file a complaint regarding the failure of credit bureaus to update the late payments reported on my XXXX XXXX and XXXX XXXX XXXX. This failure is in direct violation of the Fair Credit Reporting Act ( FCRA ) and its corresponding provisions. 

Under the FCRA, credit reporting agencies are required to accurately report consumers credit information. In this case, I have evidence and documentation showing that late payments were inaccurately reported by the aforementioned creditors. 

I have made every effort to rectify this situation by disputing these late payments with the credit bureaus. However, despite providing the necessary documentation and evidence supporting the corrections, the credit bureaus have failed to update the inaccurate information within the required timeframe. 

This failure not only affects my creditworthiness but also undermines the purpose of the FCRA, which is to ensure fair and accurate reporting. I believe this situation merits investigation and appropriate action to enforce the provisions of the FCRA. 

I kindly request that the Consumer Financial Protection Bureau take immediate action to address this matter and ensure that the credit bureaus promptly update the reporting of late payments on my XXXX XXXX and XXXX XXXX accounts as required by law. It is crucial that my credit report accurately reflects my payment history. 

Thank you for your attention to this complaint. I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take the necessary steps to rectify the credit bureaus noncompliance with the FCRA.

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 2022-10-15
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Ive requested that Mohela send me a refund for my student loan payments over a month ago and havent heard back from them or received my refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My account with Equifax was frozen after their data was breached in XXXX. 
Have been trying to unfreeze the account without success, as I have been unable to find my password. In order to prove my identity, I must answer questions like : How much was your monthly payment on the car you purchased in XXXX. Even if I was 20 years younger, I would not be able to answer questions like that. There must be a better way, especially for seniors. 
I hav n't found any way to communicate with a live person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: CO
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 submitted several CERTIFIED LETTERS that indicate inquiries are fraudulent and/or unauthorized multiple times and they refuse to remove them

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 2021-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am a victim of identify theft the accounts listed in this doc and the doc attached have been furnished without my consent or my authorization. This has been damaging to my reputation as a consumer and violation of my right to privacy as a 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 explanation
Consumer complaint received 2023-01-02
Company: CCS Financial Services, Inc.
State: PA
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:
To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following accounts : CCS COLLECTIONS This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I recently applied for a refinance with XXXX XXXXXXXX my current lender is XXXX I have been on the phone for numerous hours trying to fix this issue XXXX XXXX declined my refinance after approving it due Experians erroronus reporting the Auto loan was closed. I have reached out to XXXX and will be also filing a report against them They report that since the reporting on the other two credit for us were correct that this issue was on Experian this has cost me and I can provide proof well over {$3000.00} of savings and a {$40.00} a month savings on my auto loan as well as a few months of payments this has hurt my family financially and wasted a great deal of my time. These times are hard enough but when I major financial company calls me this much harm as well as XXXX passing the blame on to experience I am very upset all these long hold times in Experians reporting has impacted my family and the issue needs to be resolved.

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 2022-10-26
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: Account status incorrect

Complaint:
I have been a Member of XXXX XXXX Bank since XXXX. Not until I went into the Bank to inquire about a possible Loan, I was given instructions how to check my Experian Credit Reporting Credit Report and FICO Score. When I checked the information regarding my Credit Report within my XXXX XXXX Account, I noticed Experian is reporting a different Credit Score that is actually on my Experian Credit File. I have created a signed -in member Account with Experian Credit Bureau to check what has been reported on my credit file and if there has been any changes with my. current Credit Score .I am very concern about the two ( 2 ) different Credit Score showing on my Member/sign-in Experian Credit file and what's showing in my Credit Report and the FICO Score on my XXXX XXXX Account. There seems to be a vast different between the XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: LEXISNEXIS
State: PA
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:
I am trying to retrieve my consumer report. Due to the previous identify theft issues I will provide a notarized affidavit of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
According to the Fair Credit Reporting Act, 15 United States Code 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. In accordance with the Fair Credit Reporting Act, my rights have been violated. 15 United States Code 1681 section 602 : states I have the right to privacy. 15 United States Code 1681 Section 604 Part 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 United States Code 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 



I'm requesting Debt validation with United States XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX # XXXX : XXXX. A copy of the original contract with MY SIGNATURE for the debt listed below. 

XXXX. Full payment history from original creditor XXXX. The name and address of the original creditor XXXX. Proof that you now own or assigned the debt to collections I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. You have NOT provided me a copy of ANY original documentation required under 15 United States Code 1681 Section 609 ( a ) ( 1 ) ( A ) & 15 United States Code 1681 Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and 15 United States Code 1681 Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 United States Code 1681 Section 617 if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the Fair Credit Reporting Act. 



I demand the following accounts be verified or deleted immediately. Account Account Number Provide Physical Verification United States XXXX XXXX  XXXX XXXX XXXX Florida XXXX XXXX # XXXX Please remove all non-account holding inquiries over 180 days old. 



Please add a XXXX Suppression to my credit file. 



Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX DPT EDXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: VA
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:
On the week of XX/XX/2023 I was shopping for a mortgage and multiple hard inquiries were listed on my credit report as a result. I want my score corrected and the hard inquiries removed since I shouldnt have taken multiple hits against my credit score ( with no changes, and decreasing debt ). Ive lost almost 70 points on my credit score FOR NO REASON since XX/XX/2023. There is a grace period of 14-45 days given when people shop for mortgages that I was not given. I want these errors corrected immediately. Additionally, XXXX has made it impossible for me to check dispute results by removing the option for me to view them electronically ( after verifying the account ). I can see everything else and even submit, but if I want results they want me to request by mail or call them. We live in the 21st century and I dont recall them sending me mail or calling me to ask if they could add incorrect entries on my credit report I dont expect to be put through any additional inconvenience by XXXX because I chose to file a dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Credit Control, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, Credit control llc is not my original lender. 
They sent me a lender saying that if i don't respond by XX/XX/2022 then they will consider the debt verified. Fair Debt Collection Practices Act ( FDCPA ), requires you to provide written verification of debts which has not been done. There are no records of transactions showing why i owe credit control llc any money. 


I went directly to the XXXX XXXX in XXXX and in XXXX florida on multiple occasions before the XX/XX/2022 however the staff there does not see an account in my name. They were unable to help me on several occasions. 

I spoke to XXXX XXXX the vice president at the the XXXX XXXX branch and XXXX who works at the same branch. They were unable to get help from their associates over the phone. They were unable to see an account with my 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 2023-08-23
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
American Express closed my 2 savings accounts that I had <30 days ( without ANY incidents ). I received an email requesting me to complete a form and submit a copy of my Social Security card and both my accounts will be restricted until I called them. I complied. When I spoke to the " back office/Fraud Dept '', I was told I had to verify ownership of my linked bank account. While in the middle of the three-way call with the bank, I was disconnected from call. I tried calling back for well over an hour with customer service unable to connect me back with someone from the back office/Fraud Dept. When I finally did speak to someone from that department, I was informed that they reviewed my account and decided to close both my savings accounts. When I asked how I'd receive my remaining funds in my accounts? I was told the ONLY way I could receive those funds is by having the original bank ( where the money came from ) transferred back and then THEY would give me the funds back. I stated that account was now closed, and I didnt want the money to go back to that bank regardless and I wanted remaining funds to go to my linked bank ( with verified ownership from earlier ) but I was told no and told it was a banking law. Bottom line, the only way to get MY money back was by going through orig ( closed ) bank where funds orig came from and not by american express where money was deposited ( prior to closure ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
On XXXX XXXX2023 I sent a letter to Experian, to update my personal information name & address. However these Credit Agencies has not updated my only true and correct name or address by law. I sent in a copy of my drivers license & a bill with my address correct and only name, however changes are not currently updated. Consumer Reporting Agencies have to follow the law and report accurate & correct information to protect my personal 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 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Other problem getting your report or credit score

Complaint:
I have tried for the past 3 years to get my credit report from XXXX. Everytime they say I do not have a file in my name. How can your credit file automatically just dissapear like if it never existed. I have called them numerous times and they continue to say my file is not on record. They cant find my name, my social security number, nothing. Why if I had a report before they can not find any report in my name or under my ss number? It just dont dissapear. Please help me

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 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 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 non-monetary relief