BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have multiple credit inquires on my credit report for starting from XX/XX/2022 to XX/XX/2022. At that time that these inquiries occurred I have a fraud alert on each of my credit reports. None of the agencies reached out to me to confirm a fraud alert was active on my account and if I authorized any of the inquiries. According to the fair credit reporting Act, you must abide by the permissible purpose provisions. I ask that each inquiry be removed or proof that each inquiry complies with the Federal 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: OR
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 obtained my credit report on XX/XX/2023 and when going through it I noticed a few different inaccuries on it. I then sent out a dispute letter on XX/XX/2023 to certified letter and in response on XX/XX/2023 and verified my accounts. I then sent out a second certified letter asking to delete these items again on XX/XX/2023 and on XX/XX/2023 verified again instead of deleting item as I asked them to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17
Company: CITIBANK, N.A.
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:
I have an account on my credit report that I DO NOT RECOGNIZE and believe it to be fraud. I have tried to call Citibank, both the savings/checking and the credit card customer service numbers to inquire. They can not locate the account with the SSN I am providing them. On my credit report it is tilted CITCARDS CBNA # XXXX with a balance of {$23000.00}. This transaction did not show up on my credit report until XX/XX/2019. Please help! I am in the market to buy a home as a first-time home buyer and I can't believe I have to deal with this when I've done nothing but keep my credit as good as possible!

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 2022-03-25
Company: Experian Information Solutions Inc.
State: SC
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:
Experian, XXXX XXXX The XXXX XXXX XXXX XXXX {$2500.00} amount has been payed and the account is closed. The account status says open.

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 2023-11-09
Company: Experian Information Solutions Inc.
State: NY
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:
Experian permitted another soft inquiry into my report which is on a permanent security freeze. The soft inquiry is being show as of the date XX/XX/XXXX. Despite my instructions to Experian to keep my credit report on a permanent security freeze, Experian by their own authority continues to allow inquiries into my financial privacy in violation of FCRA. I have no current account with any of the entities being permitted by EXPERIAN to view my report under a soft inquiry. To date as per previous complaints submitted to CFPB Experian continues to ignore the FCRA by allowing unauthorized access without my permission or consent. EXPERIAN has not provided an explanation as to why they are self authorizing themselves to ignore the FCRA. 

What could be the purpose of EXPERIAN 's self authorizing defiance of the FCRA to continue to permit access under a security freeze, to entities who do not have a right to know under FCRA as they do not provide financial services to consumers and or I have no current open account with, and that I did not give permission or consent to them, and have not applied for any financial products from them? 

It seems that EXEPIANs self authorizes themselves to continue to violate my privacy and ignore FCRA. They do not want to address my complaints and have not appropriately answered questions in my former complaints. They have not honored my request for action to remove unauthorized access to my credit report and continue to disregard my letter of instructions. 

Previous complaint narrative : In XX/XX/XXXX, I received acknowledgement from Experian that my credit report was in security freeze status. I received an updated credit report recently from Experian showing a number of soft inquiries from the following companies. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ( no phone number, duplicate inquiry ) Experian XX/XX/XXXX XX/XX/XXXX I did not lift the security freeze during any time after XX/XX/XXXX and Experian acknowledges that I am in security freeze status today as of this complaint. I did not authorize any of these companies to do a hard or soft credit inquiry. Experian shared my private information without my knowledge or consent. I sent two letters, one with instructions and the other about the soft inquiries, see attached files.

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 2020-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These are not mine I have a fraudulent alert on my account the only thing I applied for is XXXX XXXX I wish I would be contacted before Credit is applied for I'm very upset about this

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 2023-03-11
Company: EQUIFAX, INC.
State: IL
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax, XXXX, XXXX is govern by 15 USC 1681. And they violated my rights numerous of ti

mes. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 ( XXXX XXXX XXXX )... ( XXXX XXXX ) has violated my rights NUMEROUS of times. 

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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

I Demand These Accounts Be Removed From My Credit Report Listed Below. 

XXXX XXXX XXXX XXXX. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XXXX my account with TD bank became frozen. I contacted the customer service department and they told me my account was closed after I made a deposit totaling over {$1800.00}. I was in the process of getting married and did not have the time to directly deal with it. After returning from my honeymoon in XXXX I contacted customer service and they informed me that my account was closed but to receive the balance I had to go into a branch and they will cut me a check. I went into a branch in XXXX and requested the balance. They told me that the de-marketing department needed to unblock my account so they can cut me a check and it should take 1-2 days. It's now been over two weeks and many contact to customer service and the branch but I still have not received my balance even though my account has been closed for over 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: LendingPoint Holdings LLC
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:
We have a active installment account with XXXXXXXX XXXX  through green sky LLC we have made our payments on time every month for five years. Our sales rep has our credit card and has made our payments at the end of the month every month however, with green sky no longer in business. They have changed over to XXXX XXXX and they are not able to access or change our credit report to reflect the payments that were made for XXXX and XXXX dropping our score almost XXXX points right in the middle of buying a house. 
XXXX XXXX / XXXX XXXX for XXXX, and XXXX dropping our score almost XXXX points right in the middle of buying a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Balance : {$380.00} XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-10-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I CHECKED MY CREDIT REPORT AND I SEEN SOME IN ACCURATE INFORMATION. ACCORDING TO THE FCRA ALL INFORMATION MUST BE 100 PERCENT ACCURATE. THIS ACCOUNT IS NOT REPORTING ACCURATE. I SUBMITTED PROOF THIS IS NOT CORRECT 15 U.S.Code 1681e ( b ) These accounts are in violation of not reporting 100 % accuracy.

15 U.S.Code 1681i ( 7 ) Method of verification- These accounts are in violation. It was reported without valid evidence.

The accounts that I am referring to are listed below : 1. Under 15 U.S.CODE 1681e ( b ) and 15 U.S.CODE 1681i ( 5 ) this account is in violation and is not reporting 100 percent accurate XXXX XXXX Account Number : XXXX THIS ACCOUNT # : IS NOT 100 PERCENT ACCURATE MONTHLY PAYMENTS : IS NOT 100 PERCENT ACCURATE BALANCE : IS NOT 100 PERCENT ACCURATE HIGH CREDIT LIMIT : IS NOT ACCURATE LAST REPORTED : IS NOT 100 PERCENT ACCURATE DATE OF LAST PAYMENT : IS NOT 100 PERCENT ACCURATE IVE ATTACHED PROOF 2. I had never even heard of this company before! I also dont have any contractual relationship with this company COLLECTION AGENCY THATS REPORTING THIS DEBT. I SENT A LETTER ASKING FOR A CONTRACT WITH MY WET SIGNATURE. THEY NEVER SENT IT. PLEASE DELETE XXXX XXXX XXXX XXXX  Account Number : XXXX Please DELETE it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Debt Management Incorporated
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Hello, Please help me. I got a letter from them 2x for the amount of {$1200.00}. XXXX XXXX verbally agreed to my hardship letter that I didn't owe from a debt from XX/XX/XXXX. My insurance company was supposed to pay. Attached is the letter I faxed over today. I got a rude and abusive call from XXXX XXXX and XXXX XXXX the director. I told them not to call me please do what the letter states. They were both rude and both of them told me that's it I wrote refused. I hope you have a good lawyer because we do. I tried to explain my situation and asked to please respond as the letter states for proof. XXXX XXXX rudely stated I am not doing anything! Get a lawyer. Here is my letter I sent by fax. 
Dear Collector, I am responding to your contact about collecting a debt. You contacted me by mail 2x,  on XX/XX/XXXX & XX/XX/XXXX. Assoc of XXXX told me verbally that it was accept as forgiveness since I dont have an income coming in. I do not have any responsibility for the debt youre trying to collect. 

If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-02-16
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: Investigation took more than 30 days

Complaint:
I am XXXX XXXX on XX/XX/2022 I disputed an account reported by XXXX XXXX  in the file you maintain under my Social Security number. I was informed on XX/XX/2022 that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report.

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 2021-07-03
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a collections notice dated XX/XX/XXXX about a bill in the amount of {$500.00} from a collection service called Phoenix Financial that was serviced on XX/XX/XXXX to an address that I have never lived at XXXX in a round-a-bout way, their distant relatives ). I called the original creditor to figure out who and what the bill was actually for ( I have XXXX children so it could have been any one of us ). After checking each individual name through their database, the lady assisting me tells me that NONE of us have any past due or outstanding bills with them. I told her the collection service whom I received the notice from and she replied that they ( her company ) does not even use that collection service. 
So I call the collection service directly on XX/XX/XXXX at XXXX and had a 7 minute conversation with them trying and get clarification. They also can not tell me who the actual bill is for or what it is for. I ask them to send me a copy of the original bill and I'm still waiting XXXX It's now XX/XX/XXXX ). When I pulled my credit report in XXXX of XXXX, this collection wasn't even assigned until XXXX of XXXX and it wasn't on my report in XXXX of XXXX. 
I've contacted XXXX, XXXX, and XXXX  to dispute this on my account, but they all came back saying that the debt had been verified as mine. But really, how can you come after someone for a debt 5 years later, with no prior mention of it, and think that it's a legit debt??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
During the whole time that I had Wells Fargo Ive experienced on going issues that has never been res & was forced to close my account with a balance that did not belong to me. Theres been a lot of unauthorized transactions & money being withdrawn from my account and nobody knew why.

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 2022-02-16
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was gifted a {$50.00} XXXX  Gift Card ( XXXX ) purchased from XXXX on XX/XX/22. When I went to use the card, it was declined. I tried validating the card online and then calling when I kept getting the error message. I have called 3 different times to try to resolve the issue. The wait time has been 45-60 minutes and then I am just told to hang up and call the XXXX number for the automated system or in one instance I was hung up on. The XXXX number they are referring to is the number I am calling and it just connects me to a representative. I am not able to return the card to XXXX since it is a gift card. All this leads me to believe that this gift card is not legit.

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 2021-07-03
Company: TRANSWORLD SYSTEMS INC
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Medical debt was paid on XX/XX/2021. When payment was remitted to Transworld Systems also known as TSI they agreed to delete the record from my report but later refused after payment was remitted. I filed a complaint with CFPB against TSI on XX/XX/2021. On XX/XX/2021 TSI sent a letter admitting the account was paid and that theyve asked the credit bureaus to delete the account. A representative from XXXX  said the debt was verified as belonging to me on XX/XX/2021 which is after TSI claims to have requested deletion of the record. I was able to ascertain that TSI had in fact not requested my record be deleted but instead transferred the account to XXXX XXXX XXXX XXXX to prevent the record from being deleted. Attached you will find the CFPB complaint response letter and also a screenshot of my credit report from XX/XX/2021 showing the debt now being reported by XXXX XXXX XXXX XXXX under the CR code XXXX. This is another blatant illegal act and a deliberate attempt to continue reporting false information. I have retained legal counsel and will move forward with litigation against all parties complicit in any, and all attempts to continue to report/collect on this fully satisfied account. 

Furthermore XXXX  was furnished a copy of the CFPB complaint response letter. I submitted a dispute online. I spoke with an agent named XXXX who refused to forward the dispute to TSI stating that XXXX  would instead be reviewing information it had received from sources and that the TSI collection would not be removed. I advised him that he should consult with someone from XXXX  legal. After being placed on hold for approximately 10 minutes XXXX informed me that the record would not be removed and legal approved his course of action. They would continue with their dispute process. This is egregious. XXXX  is allowing a paid debt to be transferred to a proxy agency for purposes of continuing to violate my rights under the FCRA. If XXXX  is allowed to take such drastic and illegal actions to knowingly and deliberately damage my financial well-being then the I will never be afforded the financial growth and reconciliation Ive worked for nearly 4 years to achieve. Every day this continues my business is incurring irrevocable financial damage. If immediate action is not taken to correct this fraudulent attempt to ruin my credit I will seek civil damages.

Company response to consumer: Closed with explanation