BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Letters were sent on XXXX and on XX/XX/24 disputing several items on my credit report accounts and inquiries. I have not heard back from any of the credit bureaus regarding the dispute process. XXXX did send a letter stalling the process basically congratulating me on taking steps on repairing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
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: Investigation took more than 30 days

Complaint:
I am writing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark & can not verify verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to ... .Promptly delete all information which can not be verified that I have disputed.

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 2022-11-24
Company: Experian Information Solutions Inc.
State: OK
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:
15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: ALLY FINANCIAL INC.
State: IN
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:
The Information you provided is incorrect but Ill use the letter you sent to send to the Attorney General to go with my case that was opened. I sent letters to you by certified mail and I sent that documentation to the Attorney General so it shows on record you received the letters I sent you just failed to respond in a timely manner according to the FCRA and the FDCPA. Secondly you continue to send documents to an attorney that I never told you is representing me. They sent letters for me but to file additional charges I chose another law firm. Your letter stated that you received a payment on XXXX, XXXX 2019 which is false because that didnt come from me Ally took a rebate that shouldve been mailed to me. Everything in your letter is false and I have documentation to dispute everything you falsely stated. You continue to mark these letters as a duplicate but I will get this matter resolved legally whether you want to address it or not.

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 2023-04-09
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX of XXXX, I received a billing snapshot from New York & Company, Comenity Bank for {$37.00} via email. I contacted Comenity bank 's customer service and informed them that the charge was fraudulent. I was advised by the Comenity rep. that the card would be canceled and that a fraud investigation of the charge would start immediately. The representative disconnected the call without providing me with a reference number. I received another email snapshot from Comenity Bank on XX/XX/XXXX for a past-due bill of {$37.00} plus a late fee. I contacted the organization again and was advised by a representative that the fraud investigation takes up to 90 days and during the investigation, I will continue to receive monthly snapshots of the disputed charges. 

I called back on XX/XX/XXXX and spoke with a representative who transferred me 3 more times. I was told by the 4th representative to contact the collection department at XXXX. I called the number, and the representative in the collections department informed that he was unable to assist and redirected me back to customer service. I didn't get any assistance from the rep. so I asked the last rep. that I spoke with to mail my statements from XXXX. I received only one statement for XX/XX/XXXX. I tried to access my online statements to no avail. I have requested a password reset link several times and did not receive a link to reset my password. Comenity Bank has been sending late payment reports of the charges to all 3 credit bureaus without proof that the charges are accurate and refusing to communicate their findings with me. The negative reporting to the credit bureaus is taking having a financial impact on my growing power. Your assistance in this matter would be greatly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-20
Company: Experian Information Solutions 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:
This is my follow-up complaint in line with my previous complaint on XX/XX/XXXX. The items I am disputing are erroneous and needed to investigate Here are the aforementioned items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The addresses listed are not my home address, and the accounts are inaccurate and fraudulent. Im seeking Litigation. The inquiries are unauthorized and fraudulent. Please delete them at once.

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 2018-12-20
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:
Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap. XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX

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 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2200.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance XXXX {$630.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$450.00} XXXX XXXX  Balance : {$630.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2100.00}

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 non-monetary relief
Consumer complaint received 2023-05-22
Company: Aargon Agency, Inc.
State: PA
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:
Inaccurate Information dispute Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, Pa XXXX Phone : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX, GA XXXX XXXX : XXXX / XXXX XXXX XXXX / XXXX, TX XXXX To Whom it may concern, I've recently obtained a copy of my credit report From all three major Credit Bureaus ( XXXX, XXXX XXXX XXXX ) in an attempt to understand my credit report and increase my credit worthiness. In the process Ive noticed A few Accounts that are reporting inconsistent on all three credit bureaus. It is your duty to protect my consumer rights by ensuring all information is consistent and most importantly reporting accurately. The inaccurate accounts are as followed : Account Name : XXXX Account Number : XXXX Please investigate this account thoroughly to ensure all information is correct, if NOT please REMOVE this account from my credit report immediately. 

Account Name : XXXX XXXX XXXX Account XXXX Please investigate this account thoroughly to ensure all information is correct, if NOT please REMOVE this account from my credit report immediately. 

Account Name : AARGON AGNCY Account XXXX Please investigate this account thoroughly to ensure all information is correct, if NOT please REMOVE this account from my credit report immediately. 

I have attached a copy of my credit report from XXXX, XXXX and XXXX to provide proof of all inaccuracies. Please Send your response to my address listed above. Thank You! 

Signed : 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 2023-11-17
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2023 on old card - fraudulent charge card not present. I disputed. They sent me a letter saying it was removed. They cancelled that card, sent me new card I have not used AT ALL. 
Old charge reappeared - again disputed. Same amount, different vendor reappeared. 2nd letter saying they removed the charge. 
I ONLY used the Citibank Best Buy card at Beat Buy last year - all other charges are fraud. 
So now I have two USPS mails saying the fraud amount was removed and an email that says I am late on payment. When I saw they were still using the old account on my bill, I closed the whole account and now they are sending me the same bill under the new card they issued me. And it is not showing that the card is cancelled. 
And now the charges are larger because they are adding late payment fees on the account. 
I am afraid to log in to Citibank now because they keep moving the charge from one account to the next, The initial fraud had to be due to a Best Buy employee as the email was sent to an email address I no longer use that used to be on an OLD Best Buy account before I changed my name. All transactions I made on that card were made in person at a Best Buy Store.

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 2023-10-25
Company: Kriya Capital, LLC
State: OH
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2023, CREDENCE RESOURCE MANAGEMENT , LLC contacted me by phone trying to collect a debt. I informed the caller to never call me again. CREDENCE RESOURCE MANAGEMENT , LLC is not legally certified to collect debt in Ohio. The caller asked where I seen that information but it was not given to him.

Company response to consumer: In progress
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: PA
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'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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2023-04-06
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 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 accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 Balance : {$320.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00}.

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 non-monetary relief
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
It has come to my attention that, despite other credit reporting agencies acknowledging and promptly deleting these fraudulent accounts, your bureau continues to drag its feet in rectifying this matter. 
XXXX XXXX XXXX & XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX & XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX & XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I am appalled by the ongoing reporting of fraudulent accounts on my credit report by your bureau. Other credit reporting agencies have taken swift action upon the presentation of clear evidence of identity theft, promptly deleting the fraudulent accounts from my record. 
It is beyond comprehension why your bureau is failing to act with the same level of urgency and responsibility in rectifying this blatant error. The continued reporting of these fraudulent accounts is not only damaging to my creditworthiness but is also a blatant disregard for the evidence I have provided. 
I demand an immediate and aggressive investigation into this matter to rectify the error promptly. The evidence of identity theft has been submitted, verified, and acted upon by other credit reporting agencies, and I insist on the same level of diligence from your bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09
Company: WELLS FARGO & COMPANY
State: GA
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:
On XX/XX/2021 {$3200.00} was stolen from my account by way of an unauthorized wire transfer from a fake real estate company that scammed me into providing my account and log in info for wage verification purposes. I made a police report and the police said this landlord has also scammed several other people online. They are looking for XXXX XXXX of XXXX XXXX to arrest him for real estate fraud and theft. I requested help from the bank Wells Fargo where my was stolen funds were deposited but they said the reason I was only able to get back {$480.00} is because the account where the money was stolen had only {$480.00} left in it. Im asking for help to get the remaining balance of the {$3200.00} which is {$2800.00} please. I have been trying to get assistance with this for 6 months and Wells Fargo still wont return the rest of my funds. My account is XXXX XXXX XXXX XXXX. Please help.

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 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

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 2023-05-22
Company: New Century Auto Sales, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I entered into a Consumer credit transaction with RIGHTWAY Automotive Credit on XXXX XXXX for a total financed amount of {$17000.00} without 1 ). Full disclosure of my right to rescind 2 ). Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ) ( 2 ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). I have reason to believe that RIGHTWAY AUTOMOTIVE CREDIT willingly and knowingly took advantage of me and my consumer credit.

Company response to consumer: Closed with explanation