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

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$9400.00} XX/XX/2021 15 U.S.C , 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-09-22
Company: Experian Information Solutions Inc.
State: LA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$4100.00}

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 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request verification of the following accounts : XXXX # XXXX XXXX # XXXX XXXX  XXXX  # XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX  # XXXX XXXX  XXXX  # XXXX 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request the companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2019-02-09
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have applied for the Citi Thank You Premier credit card which had a promotional offer for XXXX points when you spend {$4000.00} dollars in 3 months. I was accepted for this promotion while applying back in XXXX of 2017. 

I had to call citi to be reconsidered for this card and was accepted. They told me that the promotion would apply after completing the benefits while I was on the phone with the customer service representative. 

Many months later after completing the requirements, they told me that the promotion wasn't on the account. I called again and then the customer representative said that I was eligible because I've had this card before. This was the first time I ever heard of this after applying and talking to multiple people on the phone from citi.

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 2022-11-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I reached out to Experian asking them why I have a bankruptcy showing on my credit profile. They explained to me that they use a third-party company XXXX who uses a third-party company to verify the information. 

I attempted to reach out to them and ask them what information they had proving that the account was mine and they said they only had my first and last name and the last XXXX of the social. I attempted to verify the full social and they refused to provide me with any further details. 

Experian also has XXXX accounts from XXXX XXXX on my credit profile which were included in the bankruptcy. XXXX which they removed and blocked but them placed it back on their stating that XXXX XXXX requested that they unblock it and put it back on there. 

I was still in XXXX XXXX during the time of all of this and not knowing this was going on.

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 2022-04-02
Company: Experian Information Solutions Inc.
State: GA
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:
this was not sent in error i am a consumer by law and my informaton was misused and now i have some false not 100 % accurate accounts on my credit report. Unauthorized use of 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 non-monetary relief
Consumer complaint received 2020-08-25
Company: Capio Partners, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a bill today XXXX XXXX regarding a bill of XXXX XXXX and XXXX XXXX dollars for a hospital bill. The bill was apparently on XX/XX/XXXX from a non profit hospital, that billed my insurance, and after I filled financial medical assistance paper. I didnt receive any bills afterwords, and looking at the Online billing with a balance or XXXX dollars.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED 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 2019-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX I had financial trouble and defaulted on my credit card with Capital one bank. Capital One has made it almost impossible to pay the debt off with them through a constant re transfer on the debt to different companies with no notification to me. Every time I set up a payment plan with the current company after a matter of months the debt is transfer to another company. I have made written and even legal agreement with multiple companies and now I don't even have a name of the current company responsible for the debt. It has been six months since the debt was transferred. The debt was originally with XXXX XXXX, then transferred to XXXX XXXX who I made legal agreement to pay {$65.00} a month to. Then in XXXX of XXXX it was transferred to an unnamed company. I had to email XXXX XXXX to find this information out as I was locked out of making payments. Since XXXX of XXXX until now XX/XX/XXXX I have received no communication from this company about the debt in question and have not been informed on who or how to pay. I don't even know the current amount owed. As you will see in the attached documents I made payments as agreed. and I was the one to contact XXXX XXXX about payment. You will also be able to see that in their response their is simply a number listed. No company name. No point of Contact. No address. No account to reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: JPMORGAN CHASE & CO.
State: CA
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:
unauthorized online purchase was made resulting in a charged amount of {$960.00}. The online company was contacted and fraud was reported and online order and account/membership was canceled by the company. The credit card company was also notified of the fraud transaction and a new credit card was issued. one month later, there was a charge back by the credit card company, per credit card company, during their investigation they concluded that I personally made that online transaction and I benefited from that transaction. The credit card company was contacted once again, and I was told that they will review their decision and contact me if more information is needed for their investigation. I am still waiting for them to contact me regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions 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:
In accordance with fair credit reporting act XXXX XXXX  XXXX account # XXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 2682 section 604 A section 2 : it also states 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 2021-11-07
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 information incorrect

Complaint:
To whom this may concern, I want to inform your office that you are in violation of fcra and fdcpa. You have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collection that are reporting has not been opened by me. I do not have knowledge of them. Be advise by law, I have the right to PRIVACY and you the credit reporting agencies have violated it. The list of accused collections accounts and dates follow as : CONVERGENT OUTSOURCING opened XX/XX/XXXX FOR {$930.00}, XXXX XXXX opened XX/XX/XXXX FOR {$540.00}, XXXX XXXX opened XX/XX/XXXX FOR {$540.00}, XXXX XXXX XXXX OPENED XX/XX/XXXX FOR {$540.00}. BY LAW WHEN A CONSUMER STARTS DISPUTE WITH XXXX XXXX XXXX, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION. THE CREDIT REPORTING AGENCIES AS FOLLOWS : EXPERIAN, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FCDPA UNDER U.S. CODE 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( b ) Reasonable Procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX and TransUnion is reporting inaccurate info ( XXXX XXXX XXXX XXXX ) 30+ Days Late which is inaccurate. Reporting inaccurate information is a violation of the FCRA under section 623 ( a ). To avoid a civil rights lawsuit, I am requesting even urging XXXX and TranUnion to remove these late payments from within my credit reports, and to list this trade-line as paid as agreed and/or never late later than five business days or if not I will not hesitate to seek legal action against you.

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 2022-12-20
Company: Experian Information Solutions 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-02
Company: Experian Information Solutions Inc.
State: MA
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:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2023-10-02
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have received two emails in the last 2 days from XXXX XXXX XXXX XXXX  that read, " thanks for applying for a chase credit card! ". I did not do this. I noticed hard inquiries on my XXXX  and equifax report and immediately called them for a freeze on my accounts. I am visiting XXXX XXXX  today to retrieve any information possible. I did not apply for a card with XXXX, I did not consent to my information being available for someone else to be doing so on my behalf or impersonating myself. I would like XXXX to remove these inquiries from my reports, as well as investigate and punish anyone who would make a living off of other folks hard work. 

Please advise, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
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: Account status incorrect

Complaint:
I have been trying for months to dispute a lot of the information that the company still has on my credit report. When I try to login it shows me a error message of the page not being found and then Im directed to purchase a membership that I do not want. I have called several times to correct this issue because all of my evidence is located within my phone. The issues is still not remedied. I recently disputed the same issues through XXXX and the items on my report went from 22 to just 9.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: SLM CORPORATION
State: MO
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:
XXXX XXXX XXXX XXXX settlementXX/XX/XXXXXX/XX/XXXX I had 3 loans which met this criteria each one was established during XXXX by XXXXSallie Mae XXXX According to the attorneys general, the interest that accrued because of XXXX forbearance steering practices was added to the borrowers loan balances, pushing borrowers further in debt. The private loan debt relief will primarily go to borrowers who took out private subprime student loans ( made to borrowers with low credit scores ) through XXXX predecessor, Sallie Mae, between XXXX and XXXX, and then had more than seven consecutive months of delinquent payments prior to XXXX XXXX XXXX. Per them report to XXXX my last payment was in XX/XX/XXXX on a accounts established in XXXX and each of had no payments in XXXX they all became delinquent with XX/XX/XXXX day and charge Offs in in addition they were deferred in XXXX XXXX XXXX and XXXX XXXX 
Generally, only loans that were within a statute of limitations period or still credit-reporting as of XX/XX/XXXX are within the scope of the debt relief. 
With Sallie Mae still reporting credit reporting these 3 accounts past XX/XX/XXXX, and not following the Judgement. I am requesting the loans to be removed from my credit file from XXXX and XXXX and all remedies applied per the settlement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation