BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent THREE " CERTIFIED '' letters to all three credit reporting agencies ( XXXX, XXXX, Equifax ) this year to please remove three accounts off my credit reports. There are two accounts from XXXX XXXX XXXXXXXX and one from XXXX XXXX 
I have asked all three credit agencies to verify the accounts and show proof from all three creditors that they can prove these are my accounts and no PROOF has been verified. 
I only get an updated credit report from every reporting agency stating, " account verified '' and absolutely no proof of verification from the three credit reporting agencies nor the three creditors. 
I have called in to the credit reporting agencies to ask for proof from the creditors and nothing is offered or verified. 
Please help me to remove these accounts off my credit report. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please delete these hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 explanation
Consumer complaint received 2020-08-12
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Citibank rewards credit card closed my card account without notice and Denied me access and use to almost XXXX city rewards points with the value of over {$10000.00} Try to contact customer service number of times to no avail My credit cards were in good standing and all paid in full without any revolving debt. Citibank elected to close my accounts but Has ostensibly taken away points of significant value

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 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I noticed XXXX XXXX XXXX XXXX XXXX XXXX reported that I owed {$190.00} on XX/XX/XXXX. I paid it off on XX/XX/XXXX. I was on XXXX XXXX today and saw that I disputed this XX/XX/XXXX. TRANSUNION stated that the payment was paid but they missed removing it from my report. Now, they want me to send them a XXXX word statement resulting in my complaint. 

I am sick and tired of credit reporting companies and their admission of not doing their jobs and wanting me to assist them. I paid the bill, they know this and still want more. 

Please help consumers resolve matter such as this. This is causing my score to drop every day.

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 2023-08-01
Company: Affirm Holdings, Inc
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I applied for XXXX credit card and have tried to close it since the beginning of XXXX. I kept receiving a message stating that until all my loans have been paid, I could not close it. I paid the last loan off on XX/XX/23. The card has still not been closed. I discovered that my account was adjusted XXXX from XXXX of the loans when I did a return. The account should have been adjusted once in the amount of {$41.00}, but I saw that I was adjusted twice for {$41.00} and another {$41.00}. I brought this to their attention, but they have not resolved my issue after XXXX months. I want the account closed, but they do not know how to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020, United revenue Corp added a derogatory mark on my credit report for the amount of {$840.00}. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection, Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA, United Revenue Corp has violated my rights as a consumer and I'm requesting legal action to remove this account immediately from all credit bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

The letters are stated with items and issues. 

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
Consumer complaint received 2021-11-07
Company: AMERICAN HONDA FINANCE CORP
State: MA
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 have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: SYNCHRONY FINANCIAL
State: LA
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:
XXXX XXXX XXXX Police Report Hello as of XX/XX/2021 I've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, XXXX and XXXX I discovered multiple accounts of which i have no knowledge of. These accounts are fraudulent and I would like to report this incident. I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with the Trade Commission about this incident. I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. This incident happened XXXX at my previous home. My truck was parked at when it was broken into. To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 

PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY ENHANCED RECOVERY Account No. XXXX SYNBC/PPC Amount {$750.00} XXXX XXXX XXXX XXXX, FL 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 2023-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have been going through financial difficulties and recently lost my job as well which exacerbated my situation. 
I kindly contacted all of my credit cards asking for some financial releif. 
However Capital One refuses to work with me. The only options they are offering is to lower my monthly payments, but the XXXX causes the monthly interest to be morer than my payment so my debt will just grow. 
I chatted with them on their website multiple times and each time they claim they can not " confirm '' my account information and ask me to call, but when I call they bully me into paying off the amount I can not afford. 
I am willing to work through the whole balance, like I did with other card issuers, just at a payment plan and lower to zero interest on my current balance in order for it to be doable. 
I explained to them I am trying to regain my financial stability but if my payments and interest is too high I will be forced to declare bankruptcy, but the rep on the phone did not care. 
I said I want to close my card but he refused saying it won't help and interest will continue to accrue. 
I am a mother with XXXX young children at home and it is extremely cruel of them to do this, unlike the other card issuers whom were very accommodating. 
I owe {$10000.00} to them and the balance keeps growing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: CA
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. 


Account XXXX : XXXX XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 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 2023-03-03
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2020-08-12
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I applied for the sba loan is was approved for the amount of XXXX. Setup my account for direct deposit. After I set up my direct deposit with the bank I have which was XXXX XXXX at the time. I received an email from my loan office that I could not use that account because they are having to many problems with fraud. So I open an account with td bank. My loan was deposit on XX/XX/2020. I had access to my money that morning. At XXXX XXXX  that day I went to an atm to withdraw cash to pay for thing that I need for my business the card declined and it said stolen on the Atm. That morning I withdrew XXXX. At td bank. So I call the 1800 number on the back of the card to speak with customer service I was advice I had to go to. Local branch with my Id and my paperwork for the loan. By the time I was able to talk to someone it was after XXXX so I went to the local branch on the next business day XX/XX/2020. I was told by the teller that the paperwork work that I had I couldnt which was my loan paperwork my ein number and my Florida Id and accountant information. She told my that I was not going to be able to get no money out of that account and I still will be responsible for that loan. If I responsible for that loan I need my money Im contacting my lawyer ASAP How can your complaint be satisfactorily addressed? 
Not satisfied

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions 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 following accounts have violated my rights : XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX  Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX Account Number # XXXX XXXX XXXX Account Number # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX  XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # 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 an account without my written instructions

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 2020-08-12
Company: EQUIFAX, INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The account XXXX XXXX Bank on my credit report was paid in full and I was told by XXXX XXXX XXXX XXXX who owns and bought the account that it would be deleted off my credit report and it hasnt and its been paid in full since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have multiple derogatory account reporting to all three credit reporting agency, that do not belong to be, I do not own them any money. I never done business from any of these companies or received services. This is stopping me from buying a home

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 2023-03-03
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2020-08-12
Company: DISCOVER BANK
State: OH
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:
Checked my XXXX XXXX  and send a unauthorized hard inquiry and I never applied for any credit products for discover bank. Called and they still havent removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: PENNYMAC LOAN SERVICES, LLC.
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: Account status incorrect

Complaint:
I have contacted PennyMac numerous times regarding my account and continue to experience credit reporting issues. 

I recently received a credit alert suggesting PennyMac reported my account 30 days delinquent. Notably, I have been on a forbearance plan since the onset of COVID-19. Please see the attached confirmation letter from PennyMac confirming the extension of my forbearance plan thru XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
1. On or about XX/XX/2018, the Libellant sent a Credit Dispute : Demand to Remove and Delete Unverified Accounts/items/inquiries to TRANSUNION LLC. This notice was sent by USPS Certified Mail # XXXX XXXX and was delivered on XX/XX/2018 : Per USPS XXXX Return Receipt in the possession of the Libellant, TRANSUNION LLC did not respond with proof of claim. Despite prior two written requests, the unverified items listed remain on my credit report in violation of Federal Law. As a matter of law, TRANSUNION LLC was  required under the FCRA to have a copy of the original creditor? s documentation on file to verify that this information is mine and is correct. TRANSUNION LLC did NOT provide me a copy ofANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( l ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore TRANSUNION LLC have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). TRANSUNION LLC  did not comply under Section 611 ( 5 ) ( A ) of the FCRA? by promptly deleting all information which can not be verified. Pursuant to Section 616 and 617, the law is very clear as to the civil liability and remedy available, and the libellant fully hereby enforce my rights under the FCRA. 2. On or about XX/XX/2018, the Libellant sent a NOTICE OF PENDING LITIGATION to TRANSUNION LLC. This notice was sent by Certified Mail # XXXX and was delivered on XX/XX/2018. Per USPS XXXX Return Receipt in the possession of the Libellant, TRANSUNION LLC did not respond with proof of claim. As a matter of law, TRANSUNION LLC was required under the FCRA to have a copy of the original creditor? s documentation on file to verify that this information is mine and is correct.

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 2023-09-22
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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