BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-27
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:
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 https : //www.ftc.gov 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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Wayfair advertising a store credit card that offered a choice between 5 % back or up to 24 months interest free financing on purchase. 

When I went to purchase my products ( I was logged into my account with my Wayfair store credit card attached to it ) in the steps during checkout, Wayfair advertised that I was eligible for a 24 month no interest financing at the amount of my purchase ( approximately {$13000.00} ). I checked for fine print ( of which there had been none in the entire checkout experience ) to see any other details but found none. So, I checked out using my Wayfair store credit card. 

To my surprise, it was rejected. When I called to ask why, it was because the amount of my total purchase ( even thought it was to be financed ) exceeded my credit limit ( approximately {$3500.00} ). Despite no monthly payment exceeding my credit limit, I was inelgible according to the customer service representative. I escalated my complaint, submitted screen recordings of the process and challenged what I see as false advertising of a promotion. Wayfair, during checkout, clearly stated that I was eligble for this promotion at the amount of my purchase. Note this wasn't a print ad or an estimate in an email. These terms were within the checkout process, one that had my card information ( and thus my credit limit ) included along with all of my contact information. Within my email to Wayfair, I asked for an update on a how this will be fixed asap for other shoppers like me, and never heard back. 

One last point, all of this took place on " way day '' - wayfairs biggest sale of the year with deals and discounts that aren't available the rest of the year. 

I have not recieved any contact from the company. 

Please note, I have a longer screen recording, but can't share the file due to its size. Happy to follow up with that over email, etc.

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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am a confused consumer because I filed a dispute with the credit bureaus ( XXXX, Transunion, & XXXX ) and these XXXX XXXX XXXX companies XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  because they are violating my consumer rights. I declare under penalty of perjury, my dispute is true and correct to the best of my knowledge. I am allowed by Federal and State Law to file this dispute and I also know and understand that knowing and willful misstatements or omissions of material facts constitutes a Federal Criminal Violation which is punishable under 18 U.S.C. 1001. Please be aware that these misstatements are punishable as perjury under 18 U.S.C 1621. All 12 of These alleged medical collection accounts are in violation 15 U.S.C 1692g because I was never notified about this account within 14 days of communication and other violations thats included but not limited to the sharing of XXXX XXXX. The violations are 15 US Code 1681b ( 4 ) Limitation on re-disclosure of medical information Any, 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information, and 42 U.S. Code 1320d6 - Wrongful disclosure of individually identifiable health information. Also, they have yet to send me any documentation about the alleged XXXX XXXX XXXX and I was sent any proof of the method of verification by the credit bureaus.

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 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Im a co-signer on my daughters ( whos a veteran ) XXXX XXXX account. Prior to the co-signing, my credit scores averaged between XXXX and over XXXX. Now, it has dropped to an average of XXXX to XXXX. Its enough of a drop that in researching to apply for a home modification loan, Ive been told that it will affect the results of a new loan. The credit companies are basing this on one sole late payment, caused by the militarys red tape in adjusting my daughters XXXX status, which is why it was necessary for her to have a co-signer. Why should this be allowed, especially since she hasnt had a late payment for almost 3 years. Is it necessary to affect two individuals lives based on one late payment? As a recently retired XXXX ( XX/XX/2019 ) it is crucial that I maintain good credit scores, which if not for the one late payment would be flawless. Furthermore, as a Veteran on XXXX, it causes undue stress and hardship on my daughter, as well as on me. The credit companys overzealous action is unequivocally uncalled for, and therefore, Im asking that it be removed from my report, and hopefully, from my daughters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-10
Company: CL Holdings LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and I am dealing with this Unauthorized collection does not belong to me, I have no knowledge about this collection accounts. 

XXXX XXXX XXXX Account Number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$12000.00}, {$14000.00}, {$1800.00}, {$2000.00}, {$28000.00}, {$11000.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- REAL ESTATE LOAN 10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not 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 explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 

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 2023-11-16
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX SSN : XXXX | XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be properly verified or removed immediately. 
Name of Account : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unverified account Please remove address that does not belong to me, I have never lived there : XXXX XXXX XXXX XXXX, Ohio XXXX. 
Also remove any Fraud Alert from my credit profile. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2016-06-30
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2016 a Qualified Written Request was sent to NationStar. No response to this request was ever received. This violates XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX where a written request is required to be responded to not later than 30 days ( excluding legal public holidays, Saturdays, and Sundays ) after the receipt from any borrower of any qualified written request. A confirmation fax concurred that NationStar received the fax to XXXX. There currently is a foreclosure sale on the property for XXXX XXXX, 2016 when they have not proceeded properly with providing the factual information on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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:
this is my 2nd attempt I am interested in disputing all inaccurate information on my credit report with Equifax. checking all information alot of data is invalid an hindering my file. please remove all data that is listed to help my credit report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have identified information on my reports that are a result of identity theft. These items are not related to any transactions completed by me.

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 2022-10-10
Company: EQUIFAX, 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:
Under the fair credit act the following creditors have violated my rights. My rights are being violated by going against The US Code 1681 section 602 A. States I have the right to privacy. followed by violating US Code 1681 Section 604 A Section 2 stating a consumer reporting agency can not furnish a account without my written instructions. 

-Credit Acceptance Account number starting with XXXX -XXXX XXXXXXXX Account number starting in XXXX -XXXX XXXX XXXX Account number starting in XXXX -XXXX XXXX XXXX  Account number starting with XXXX I also would like to point out I have been Economically impacted by COVID19 and have had no mercy from the creditors once I brought the violations to their attention which has led me to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: CITIBANK, N.A.
State: WI
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:
XXXX XXXX XXXX sent me an email promising 10 % rebate for purchases made at gas stations, restaurants and grocery stores during XXXX, 2020 as long as my purchases were between {$2000.00} and {$2500.00}. I made purchases of XXXX which included two {$420.00} purchases of gift cards at XXXX XXXX XXXX XXXX. Sears claims that these two purchases did not count, because they were made online and not at the restaurants, and that thus I did not reach the minimum {$2000.00} threshhold, so they denied any rebate. But the email offer I received said nothing about online purchases not qualifying. I frequently purchase these gift cards as gifts, etc. and have gotten the rebates before from Sears. The only difference this time was that the purchase was made online and not in the physical restaurant. There was nothing on the offer which excluded online -- it merely said " restaurant purchases '' which was what these were, and they had to be made online because due to Covid-19, the physical restaurants were temporarily closed. I exchanged messages with Sears and called also ( 25 min waits on two occasions ) and was promised a response the last time I called but Sears never returned promised call. Attached offer copy is not the XXXX period, but is substantially identical.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 never late. The Bank agreed to update this account due to a family tragedy. Please update this account ASAP. XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$0.00}. Please 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 non-monetary relief