BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect personal information 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 non-monetary relief
Consumer complaint received 2023-03-18
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On XX/XX/2023 my burrow defense case has been approved and both loans STUDENT LOANS TOTALING {$14000.00} DEBT AND BOTH ACCOUNTS NEED TO REMOVED FROM MY CREDIT FILES AS THEY HAVE BEEN DISCHARGED. PLEASE CONTACT ME DIRECTLY IG YOU NEED EMAIL CONFIRMATION. PLEASE CONTACT FEDERAL STUDENT AID. AND REMOVE DEBT.

Company response to consumer: Closed with explanation
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: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2019-08-26
Company: Opportunity Financial, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I contacted this firm opp loans several times XX/XX/2019 and XX/XX/2019, as a consumer regarding the high interests rates being charged on my loan. I informed them that military spouses and familys ( my husband is XXXX XXXX ) that we are protected against high interest rates. They informed me that they needed proof to review my interest rate. They then informed me that spouse loans are not covered under the military lending act and was notified by their legal department. My current interest rate is 159 % on short term installment loan. Please assist

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I've attempted to negotiate and settle the debt twice using a law firm that fail to follow up in an adequate time frame. The first occasion the law firm failed to relay a counter offer from me to the creditor. The second occasion the law firm, had me to agree to unfavorable terms and then failed to contact me back about next steps and finally provided me the information 3 days before the date which did not allow me time to agree to the terms because my funds were in an out of state bank. 
I attempted to contact the creditors law firm on Friday, XX/XX/XXXX to ask for an extension and the lady that answered the phone refused to work with me even after I offered to provide her their file no, she attempted to pressure me into providing my social security number which I refused then she ultimately refused to work with me even though I let her know that I had just been provided the information about the settlement. I would like a fair settle offer that is consistent with what has been in the past. I'm also concerned that I might have been researched and targeted with a lawsuit.

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: 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:
I Am A natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax, XXXX & XXXX is governed by 15 USC 1681. and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax, XXXX, & XXXX written permission to furnish these accounts. 
15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 more than seven years.

15 USC 1681s-2 ( A
) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate In accordance to the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX ACCOUNT NUMBER XXXX has violated my rights Account name : XXXX ACCOUNT NUMBER XXXX has violated my rights Account name : XXXX  ACCOUNT NUMBER XXXX has violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received my bill in the mail, and noticed I had a total payment due of XXXX, and my payment is XXXX a month. I had medical issues and did fall behind on my payment. I did miss a payment in XXXX, and XXXX, as well as XXXX. They took a payment out for XX/XX/XXXX, they have taken one out for XX/XX/XXXX, and have another to come out on XX/XX/XXXX, which is post dated, and comes out automatically. I was not sent a letter saying that i was in recovery, until i called tonight to see why my whole minimum payment is XXXX. They have my email on file and phone number, I realize my two payments are late, but there is no way I can afford XXXX, nor have they informed if my account will be charged off. I would like to work out a plan with them, Customers should be informed in writing.

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: Experian Information Solutions 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:
I Am A natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX, XXXX & Experian is governed by 15 USC 1681. and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX, Experian, & XXXX written permission to furnish these accounts.

15 USC 1681 section 602 A States I have the ri

ght to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account wit
hout my written instructions.

15 USC 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 more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate In accordance to the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX ACCOUNT NUMBER XXXX has violated my rights Account name : XXXXXXXX  ACCOUNT NUMBER XXXX has violated my rights Account name : XXXX  ACCOUNT NUMBER XXXX has violated my rights

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 2020-03-17
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citibank customer service kept contradicting themselves while advertising a {$500.00} new client offer, then I wasted like 15 hours ( records ) trying to get the problem fixed but they still kept contradicting themselves and won't even let me withdraw in a reasonable and XXXX compliant manner, the same manner I deposited into it.

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 2019-05-31
Company: Experian Information Solutions Inc.
State: MA
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:
In XXXX I put a dispute on my credit report with experian due to some credit cards being on my report that I didn't recognize. It is now XXXX, I have heard nothing back from them. The issue really lies here. I started a new job at the beginning of the month which requires me to use a program that needs identity verification. They use experian to verify client identities. Since I put the fraud alert in, they will not verify my identity which is putting my job at risk. I have tried calling experian but when I put my information in, they revert me to an automated machine that ends the call. I have tried every phone number I could find to call but I can not speak to a person. As a result I have sent 2 letters and filed out 15 electronic forms on their website. Every time I try and log into my account with them, they state that I need to call. Which then leads me to an automated system that disconnects the call. I have gotten 1 email from experian that is basically a copy of my credit report where I can interact with. The report has my FATHERS name and address and a couple of his credit card accounts. We have a very similar name. When I try and dispute his name being on my account it says " you must call in order to dispute this ''. Again, when I call they revert me to an automated system. 

Not only is experian going to cost me my new XXXX a year job that I just got out of college, they are also not letting me dispute serious issues with my credit report. There has been no way for me to get in contact with someone. It has been a month. They are holding my life hostage and they are causing me pain and making me lose money.

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 2023-09-20
Company: Experian Information Solutions Inc.
State: FL
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 am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-11
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Address is incorrect an someone is using my social to get credit cards an loans

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 2018-08-22
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have disputed this charge with XXXX, I have contacted them and informed them, I never had, any contract with them, nor phone services, that I never authorized my name or my social. They call 3-4 times a day, I am an XXXX Veteran on a fixed income, XXXX XXXX XXXX XXXX, I have never ever, signed, anything. This is affecting my credit, and causing me stress, I had a security freeze on my credit report due to this as well and a lock to prevent anyone getting things in my name I unfroze my credit report a week ago., and as you can see in uploaded documents they added and update to my XXXX when I unlocked on the XX/XX/XXXX and XX/XX/XXXX, I am asking THEM TO REMOVE AND DELETE THIS FROM MY CREDIT FILE, AND NOTIFY CREDIT BUREAS OF THIS IMMEDIATELY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted from my file right away 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

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 2023-03-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX is listed on my credit report for {$230000.00} Highest balance {$150000.00} but as per attached and other court filed documents XXXX XXXX XXXX owns this debt and is 1st lien NOT XXXX XXXX XXXX. Equifax keeps saying that XXXX XXXX XXXX has verified that the debt belongs to me but attached court document shows that the debt belongs to XXXX XXXX XXXX NOT XXXX XXXX XXXX. 

I need Equifax to DELETE/REMOVE XXXX XXXX XXXX from my credit report. 

Equifax must provide me with ALL verification information that it receives from XXXX XXXX XXXX because this information from Equifax will be presented in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE 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 explanation
Consumer complaint received 2022-02-16
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I sighed all closing documents for a cash out refi on Monday XX/XX/2022. One of the documents asked where to send cash out check, and I requested to be mailed to home. Document states it will be overnighted via USPS. I waited until Monday XX/XX/2022 to reach out because I have not received check. My call was returned on XX/XX/2022 with an apology, but no explanation as to the hood up. I was told that the check was mailed on Tuesday XX/XX/2022, however it was not in the mail on XX/XX/2022. I can not get an answer from lender as to what complication is causing a hold up, or when and how it will be resolved.

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 2019-10-08
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Have been getting several times a day from a Company called XXXX XXXX XXXX. In regards to old Credit card debt from Citibank. This has happened before using a a different name of XXXX processing. I filed a complaint prior to this and Got response from Citibank which stating that did not work with XXXX. Now getting calls from XXXX company on Citibank and when notifed them they never heard or deal with company. I am at my wit 's end on how to stop the calls. My family also getting these calls looking for me. These are following number 's that are calling. 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 2023-11-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
This account has been on my credit report for 8 years and it is far past the statute of limitations!!! They refuse to remove this account from my credit report and report it with new dates to keep it 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 non-monetary relief