BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-06-01
Company: EQUIFAX, INC.
State: VA
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 writing to request an immediate removal of fraudulent inquiries and accounts that appear on my Equifax, XXXX, XXXX consumer report. Ive sent letters with attachments of identification to each bureau disputing the inquiries and accounts listed below and that they are fraudulent as well and nothing was done. Also I had to put a fraud alert on XX/XX/XXXX on all three Bureau due to the fraud activity that was taking place. I've reported the activities to the FTC, which will be attached to this letter. This matter is very tormenting to my family and has hender us in so many ways. My son is unable to attend this private school due to financial reasons dealing with means of my consumer report. I demand these accounts and inquiries to be blocked and removed immentidaley. 

Accounts : XXXX  XXXX Account Number : XXXX XX/XX/XXXX - {$0.00} XXXX  XXXX Account Number : XXXX XX/XX/XXXX {$150.00} XXXX XXXX Account Number : XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX XXXX  XXXX  Account Number : XXXX XX/XX/XXXX {$1600.00} Inquiries : XXXX, XX/XX/XXXX,, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Three times I have received a call from XXXX XXXX XXXX about a debt that I have, I have explained why at the moment I cant pay, and that I am working on solving the issue but they continue to say they are going to freeze my bank account, that I will be seen as a criminal if they file a civil case, that I will have to way to support my kids because I will be a criminal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. This has been hurting me as I am in the process of buying a home for my family. Please remove from my credit report immediately.

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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Fraudulent accounts and inquiries appearing on credit report. 


1. XXXX {$380.00} XXXX. XXXX XXXX  XXXX {$560.00} XXXX. XXXX XXXX XXXX  {$120.00} XXXX. XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$2000.00} Inquiries XXXXXXXX XXXX XXXX XXXX, 2XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX of 2018 a new account was placed on my credit report by Portfolio recovery, llc stating that I owe the {$1400.00} as they are trying to acquire this amount on behalf of XXXX XXXX XXXX. Prior to this another company tried this same tactic as at that time I was unaware that my identity was stole and used to obtain a credit card from XXXX  XXXX XXXX, immediately on receiving this I sought professional help and was advised to dispute this account ( which I did and the account was removed within 30 days of the dispute ) and file for identity theft. Now I have been back and forth with Portfolio Recovery in a plethora of letters trying to dispute this account which was fraudulently acquired in my name, they have been insistent in trying to collect this account and it is damaging my credit which in turn is injuring my chances of applying for future lines of credit, also it has been very costly to be maintaining constant communication via certified mail which cost {$6.00} per letter. I need them to remove this immediately as I have no intentions of paying for an default account which is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX Experian, XXXX and XXXX all stated that account number ending is XXXX was accurate as well as complaint. After looking further into my credit report I noticed that All 4 Failed to provide me with the utmost accuracy and compliance that I needed in my credit file as it affects my every day life. Account Number XXXX XXXX XXXX XXXX XXXX XXXX Date of First Delinquency IS WRONG. Creditor Classification IS MISSING. LATE PAYMENTS ARE INCORRECT BECAUSE there isn't any late payments reported only 11 months of charge off Please Remove Charge off and Mark paid as agreed or Delete from my Report Section 607 ( b ) of the FCRA provides that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.In some cases, such as when certain account or other information fields on consumer reports are logically inconsistent with other fields of information, a consumer reporting agency can detect the logical inconsistencies and prevent the inaccurate information from being included in consumer reports it generates, thereby avoiding the consumer harm to individual consumers that can result from reporting such inaccurate information.In addition to provisions authorizing Federal and State enforcement, [ the FCRA contains two provisions relating to civil liability to consumers for noncompliance. Section 617 provides that any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the consumer 's actual damages, and costs and reasonable attorney 's fees.Section 616 provides that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to actual or statutory damages of up to {$1000.00} per violation, such punitive damages as the court allows, and costs and reasonable attorney 's fees.A violation is willful when it is inconsistent with authoritative guidance from a relevant agency.

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 2023-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, this has been a issue i have been dealing with the last 3 years. Capital, one has reporting a late payment that is incorrect on my account. This has made my life XXXX. Ive contacted them directly and requested a supervisor numerous time to get this resolved. However, nothing ever happens. I am not forced to escalate this matter. 

Late payment XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i have a checking account with PNC Bank. on XXXX i filed a stop payment on an ACH withdrawal. On XX/XX/XXXX the money was withdrawn. I complained but their response was you need a minimum of 3 days, this was a weekend and my feeling is if they needed XXXX full days then they should NOT have taken the stop payment request. I escalated a complaint to the executive offices. they called me and i told them the story, she said she would research and call me back. of course she did not so i called her and left a nasty voice mail, so she would call me back. she did but nothing she can do for me. but she insured me the future would be handled. I called again yesterday spoke with a lady and she says it will be caught, i made extra system notes so it will be caught. i signed in this morning, guess what the ACH was pending. so i called, she said wait to see if it cleared and then i can dispute it. i escalated the complaint he said i would get a call in the XXXX i wanted to speak with XXXX XXXX the CEO and let him know they stole {$580.00} of my money in times that are almost impossible to afford to even live.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In the past 8 months, my account with Home Depot Citibank has been under a fraud investigation. I am at a loss of what to do as the claim has been denied and I was assured several times by your employees that this would be resolved. 
My first notification that I had ANY balance on my card after XX/XX/XXXX was on XX/XX/XXXX, when I received a phone call stating that my account was past due. I opened the account so that I could start a new business in XX/XX/XXXX, then I put the card away because the renovation was finished around XX/XX/XXXX. The gentleman on the phone instructed me to make a credit card fraud claim so I did. I waited until XX/XX/XXXX and never knew what happened but I did start to receive statements that said I had a negative balance. Then in XX/XX/XXXX, I received a bill again for over {$8000.00} in charges. I was very confused as I thought the matter had been resolved. I believe that because I had set up automated payments from my old bank account and had opened a new bank account in XX/XX/XXXX, that I didnt see that these payments were going through. I simply left a few hundred dollars in the account just in case but I did not close this account until XX/XX/XXXX. This is why I received the call about a late payment on XX/XX/XXXX. 
I spoke with someone again from the fraud department and he asked me submit more information, which I faxed on XX/XX/XXXX. I received several phone calls trying to collect payment and was told not to make a payment if I did not make the purchases. Now I have my account over due by more than 90 days and it is showing up on my credit report. 
I did not ever file a police report because I live in XXXX and the police have better things to do although I have tried. 
On XX/XX/XXXX after sending this letter to Citibank Executive Response Unit, they confirm that indeed I did not make these charges yet they refuse to resolve this matter as fraud unless I file a police report. 

If I remember correctly, my credit limit with them was {$5000.00} and someone charged over {$8000.00}. 
They also knew during the investigation that someone else had been using my card as well as making payments and never told me that they knew that information until now. 

The communication with Citibank fraud has been awful until I starting talking with XXXX XXXX on XX/XX/XXXX. 

Every time I received a phone call about making a payment because I was late, I was advised not to make the payment unless these were my charges. So now, I am over 90 days past due and I owe a bunch of late fees as well as a dip in my credit report of over 80 points.

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: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
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:
On XX/XX/2023, unbeknownst to me, I was added as an authorized user to a XXXX XXXX credit account that I did not consent to. As a result, my credit score decreased XXXX points. XXXX XXXX could not find me on any account so I contacted Experian. They contacted someone ( I dont know who ) to dispute and remove me from said account. As of today, XX/XX/2023, I am no longer seeing that account and am under the impression I was successfully removed. However, this resulted in an additional XXXX points removed from my credit score. Authorized users are not responsible for the debt of the cardholder, whether they give consent or not. I am demanding that this affiliation be removed from my credit report, restoring my score to its correct number within 30 days pursuant to the Fair Credit Reporting Act and that a new credit report is sent to me once this has been completed.

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 2023-11-03
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is Experian 's duty pursuant to the FCRA, it is Experians to be reporting correct and accurate information on my credit report and file, however they are NOT. Experian is reporting 1 inaccurate late payment for the XXXX Account account ending in XXXX. These include a 30 day late payment posted in XX/XX/2023 XXXXThis is incorrect and is supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in Experian violating my federally protected consumer rights. To add to this, I did NOT give Experian written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that Experian has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2023-04-07
Company: CITIBANK, N.A.
State: DE
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:
homedepot credit card fraudulent charges

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 following companies below have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act, 15 USC 1681 : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX 

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