BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-31
Company: Experian Information Solutions 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:
This is XXXX XXXX, and I am submitting this CFPB Complaint to you today to follow up the previoues CFPB Complaint I submitted requesting the immediate removal of the fraudulent accounts and information I found on my Credit File. I sent a letter on XX/XX/XXXX, to remove inaccurate personal information, inquiries, and accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. Under the FCRA section 605b, I am requesting that you remove the following items off my Credit File as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$350.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$620.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$68.00} XXXX XXXX XXXX XXXX Balance XXXX {$1000.00} XXXX XXXX Balance : {$0.00} 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  XX/XX/XXXX. I have read that under the FCRA section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. Please comply with the law to help me resolve this matter at the earliest possible time.

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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
TO WHOM IT MAY CONCERN I recently received a copy of my XXXX Credit Report, XXXX and Transunion Credit Report and I noticed some late payments posted on my credit report. 

XXXX XXXX XXXX Account XXXX XXXX XXXXXXXXXXXX Date of Late Payment - XX/XX/2023 Date of Late Payment- XX/XX/2023 Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports. The LAW CLEARLY STATES : ( A ) In general Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you permission to furnish this account on my credit report?

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states : ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Reverse the above late payments from my consumer report, this agency is in violation of 15 USC section 1681 . 

Failure to respond satisfactory with reversing 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 : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC S 1692g violations 4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliance- s616 Civil liability for willful noncompliance [ 15 USC S1681n ] Best Regards, XXXX XXXX Enclosed- copy of ID and bank statement showing proof of address.

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 2023-05-10
Company: Experian Information Solutions Inc.
State: MO
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 reason to believe that these accounts were not initiated by me and may be fraudulent. Therefore, I am requesting that you conduct an investigation and take the necessary steps to remove them from my credit report. I have provided supporting documentation to assist you in this process.

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 2023-05-10
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:
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 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 2023-05-17
Company: EQUIFAX, INC.
State: NV
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX SER Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; DEPARTMENT OF EDUCATION Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; RESIDENT VERIFY Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX CT XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX CT XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31
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: Account information incorrect

Complaint:
I received a letter from Transunion Credit Bureau stating they could not investigate what time was given to them from This Company. CFPB. Stating that they need additional 30 days. Consumer Financial Protection Bureau states time given. They are in Violation of you and Myself I filed the Claim with you against XXXX XXXX and XXXX XXXX on XXXX XXXX. These accounts need to be removed from my Credit Report. Transunion is not following the Law of 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 non-monetary relief
Consumer complaint received 2022-04-23
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Citibanks discriminatory and retaliatory practices subjected me ( the consumer ) to a financial detriment that could've been prevented had procedures in place been adhered to. Without warrant they intentionally pursued the closure of the account because I asked to speak to someone in US after stating " I can't understand you. They left me on hold for 22 hours. I applied for the account, I was approved. Then I transfered funds to citibank. They waited on the wire and frozen almost instantly. They wouldn't give reason even though I verified every question they asked me. It is without question that the association of the request to speak to someone I'm the united states cause this. I waited weeks for that pay day. They knew that. Did not care. I was late on bills and they knew that, this caused me to get evicted, was already late and waited on this paycheck. Also, still haven't paid for car repairs resulting in repossessions of car. Slept outside for a week and jmablr to care for my ailing mother. This could've been prevented. The eru offices representatives, XXXX XXXX, really saw the detriment citibank caused and didn't understand it herself.

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 2023-10-23
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I received a letter in the mail from Comenity in regards to an open application for a XXXX XXXX XXXX XXXXXXXX Credit Card I did not apply for. The letter said to call them to finish the application. I called the number but told them I did not apply. The service representative took appropriate measures to deny the application and report it to the Federal Credit Bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31
Company: SYNCHRONY FINANCIAL
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
I received fraudulent charges on my PayPal credit account on XX/XX/2022 in the amount of {$4600.00}. I contacted PayPal and they said they would take care of charges that they could see that it was fraudulent activity. They said that they would set up a new account for me and I contacted my bank to change my debit card so that the charges did not go through my bank account. PayPal reversed the charges XX/XX/2022, but when the new account was set up, the charges showed up as transfer balances. I have contacted PayPal almost every week since XXXX to clear this up. They keep telling me that it will take XXXX days to clear up. It has never been cleared up. I have XXXX charges that are mine that I still owe : XXXX XXXX {$210.00} purchased on XX/XX/2022, XXXX XXXX {$16.00} purchased on XX/XX/2022 and XXXX XXXX {$120.00} purchased on XX/XX/2022. On my statements it shows a balance due on this account of {$3400.00}. It is accruing interest and late fees. I have not done any activity on this account since this happened. I had a couple of legitimate purchases that were made through PayPal and paid directly from my bank account. The problem seems to be only on the PayPal credit line. I am hesitant to Pay my balnce because I still have all these fraudulent charges on my account.

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 monetary relief
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: OR
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 XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-29
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian continually uses incorrect information to get my FICO Score. MY score is 34pts higher with XXXX and XXXX  XXXX XXXX ) which is quite ridiculous and Experian does't use the correct formulas for calculating scores. a few pts here and there are one thing, but XXXX is not acceptable. Their system is antiquated and they refuse to do something about it. I have sent them many messages and they can't explain why they are incompetent. Many places use Experian as a credit check and it hurts when they are not reporting properly. They need to be accountable just like you and me. Please look into this matter. Thank you in advance 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 2022-11-14
Company: Experian Information Solutions 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. 

Account name : XXXX ACCT # XXXX, Account Name : XXXX ACCT # XXXX Account name : XXXXXXXX XXXX  ACCT # XXXX, Account Name : XXXX XXXX XXXX ACCT # 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
Consumer complaint received 2023-05-17
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: Information belongs to someone else

Complaint:
I received a notification by Equifax that 4 accounts was open on XX/XX/XXXX by XXXX XXXX a Debt Collector. I called the company and asked about the accounts that showed up on my credit report from Equifax. I was advised that the accounts was open in XXXX with a company called XXXX. I never open this account in XXXX and why it reporting that this account was open in XX/XX/XXXX. This account is a FRAUDULENT ACCOUNT. I filed XXXX XXXX and this company wasn't in my accounts to pay back. Please have account removed off my credit report. 

1 ) XXXX {$340.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the credit reporting agencies ( XXXX, TransUnion, XXXX ) for not properly responding to my demand for wet ink signature agreements in the investigation for verification of the accounts making claims on my report. 

I have been trying to dispute inaccurate information on my credit report for several weeks now. 

I have contacted the credit reporting agencies multiple times and have sent them demand for wet ink signature agreements requesting that they investigate the accounts making claims on my report. 

However, the credit reporting agencies have not responded to my requests and only updated the information furnished from the same entities that initiated the erroneous claims to extort money from me and further injure my reputations I am frustrated and concerned that the credit reporting agencies are not taking my dispute seriously. 

The inaccurate information on my credit report is having a negative impact on my life. 

I am being denied credit because of the inaccurate information. 

I am also concerned that the credit reporting agencies are not following the laws and violating my rights. 

The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to investigate disputes and to correct inaccurate information and report in accordance to my written instructions. 

The credit reporting agencies are not complying with the FCRA by ignoring my requests and demands. 

I am requesting that the Consumer Financial Protection Bureau investigate the credit reporting agencies for their failure to respond to my demands for deletions of the XXXX XXXX XXXX XXXX XXXX, all hard and soft inquires, and records of late payments including 30/60/90 day late payment reporting on the grounds that my signature consent was never garnished in the reporting of any of my information, my rights were never disclosed which wasted even more valuable time, and this very nature of the credit reporting practices being discriminatory, predatory, and defamatory ; which has led to adverse actions preformed against me, wasted time, mental anguish, significant financial hardship, and an unjust monetary benefit at my expense due to their cooperation with other companies to extort me by deceptively violating my consumer credit transaction rights. 

I am also requesting that the Consumer Financial Protection Bureau take action to ensure that the credit reporting agencies comply with the FCRA. 

Thank you for your time and consideration. 

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