BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: AL
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution. 
EQUIFAX MORTGAGE XXXX Inquired on XX/XX/XXXX EQUIFAX MORTGAGE XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: NJ
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 name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Claims of XXXX dollars fraudulently charged. I have reached out multiple time for the removal of this account. Ive sent supporting documents with all landing upon death ears. This account has been disputed for its incorrect information and damage it has done to my credit score/report. The debt has been sold. And no one can prove this information to be correct. I demand this informantion be removed with in 30 days or we will persue damages for defamation of character. Under the fair credit reporting act companies or to report factual and accurate information and thats not the case here

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 2023-06-16
Company: Real Time Group, Inc.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
BRIEF Outline REALTIME Equity Line - Real Time Resolutions, Inc. XXXX XXXX XXXX XXXX TX XXXX is the servicing inheritor of an Equity Line we originally opened with XXXX XXXX , which became part of XXXX XXXX XXXX during XXXX Financial Crisis. As we negotiated our way out of Foreclosure on the XXXX with XXXX XXXX XXXX we were lead to believe the equity line was included in the Modification. The modification was not moving forward in early XX/XX/XXXX when we were suddenly and oddly, even secretly '' given a Loan Modification Offer from XXXX XXXX XXXX, that we accepted near the end of that year, avoiding Foreclosure. Turns out XXXX XXXX XXXX modified the XXXX and apparently shopped out the Equity Line to Realtime Resolutions Inc. for bargain basement pricing. With XXXX XXXX ( Real Estate Attorney at the time ) as we could not get the State of California to intervene about clearing XXXX XXXX XXXX/Real Time Resolutions Equity Line, we were negotiating with Real Time Resolutions to possibly clear that Lien at XXXX XXXX. Those negotiations seem to be moving forward, AND then Real Time ended discussions with a no to {$30000.00}. They then carried that EQUITY Line quietly, a few letters per year. 
Then in XX/XX/XXXX they charged off your loan and sent us a letter ( attached ) stating that they had done so at {$91000.00}, AND To the extent interest or late fees were accruing on your account, please note that no additional interest or late fees will accrue in the future Now, a recent letter from Real Time Resolutions XX/XX/XXXX ( attached ) claims {$130000.00} is owed. 
Thats difference of {$46000.00} that we think is worth complaining about, and getting a genuine settlement offer from Real Time Resolutions would be a step in the right direction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: CITIBANK, N.A.
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX 8 Fraudulent Orders were placed on XXXX using my credit card. Each in the amount of {$74.00} XX/XX/XXXX the 8 charges were posted to my Citi credit card As soon as I noticed the charges on XX/XX/XXXX, I called Citi to file disputes against those 8 charges. The agent I spoke with filed them under " fraud disputes '', which was later denied by Citi given the fact that I had ordered from this merchant before in the past. 

On XX/XX/XXXX, I had to speak with a different Citi agent to re-file those disputes under " purchase disputes ''. 

On XXXX, the merchant responded to Citi claiming that the charges are valid simply because they have a transaction and that their " tracking '' states shipment was completed. In regards to this : if you check the tracking number associated with the fraud orders, none of them were delivered to my address. My address is in NJ and the XXXX tracking says delivered to XXXX All 8  of the orders in XXXX order summaries actually have the same XXXX XXXX tracking number. XXXX even changed the status of the 8 fraud orders to " frozen '' which means that they knew these orders should not have been placed, but did not reverse the charges just because the tracking had started. They are using the excuse of " shipment '' to claim money. ( documents attached ) I have also attached 2 of merchant communications to me stating that I should resolve this with my bank. I have spoken to the merchant multiple times via their messaging system, but I do not have records of that. Each agent I spoke with understood what was happening but did not have a path to escalate my issue for resolution, and advised I email them. I did, and both times they asked that I refer to my bank. 

I have also appended additional screenshots to this email to show that the XXXX charges were fraudulent. The seller and product that was purchased has been made unavailable. I also checked the product that was purchased and saw in the reviews section that others had experienced the exact same issue - someone using their card and placing multiple orders for themselves. 

As of today, XXXX, 5 of my 8 disputes have been denied and Citi is claiming " customer responsible '' which is completely unfair. It is clear that I did not authorize these charges on my credit card, and that my information was stolen. This means that 5 of the 8 disputes have had their conditional credits reversed, so the values are back on my account to be paid.

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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Transunion has not fixed my online access to freeze, unfreeze, or dispute my credit file. there are multiple errors on the page and since I have had ID theft ; I would like verify what's on my file but I can't do that or dispute anything online! This has been going on for months ; every time I login, i get the following error : " Sorry, we're having trouble showing the status of your credit freeze right now You can contact us during support hours via the live chat icon at the bottom of the screen, or by giving us a call at XXXX. Our support hours are Monday - Friday XXXX XXXX XXXX XXXX XXXX  and Saturday - Sunday XXXX XXXX XXXX XXXX XXXX XXXX XXXX. '' I have to call them to have then add or remove a freeze and it is not the easiest process. 

When I try to review my credit and file a dispute ; I get this ERRoR : We're unable to complete your request online. 
Please try your request by phone or mail. 

What to do now : If you're trying to request a credit report, please contact our Consumer Relations team at ( XXXX ) XXXX, Monday through Friday, XXXXXXXX XXXX XXXX XXXX ET. 
If you're trying to dispute information on your credit report, contact our Consumer Relations team at ( XXXX ) XXXX, Monday through Friday, XXXX XXXX XXXX XXXX  XXXX, or dispute by mail. 

This has been going on for months, I have submitted several inquiries about this ; I feel that they are preventing me from seeing and disputing my info. I have several disputes get denied in the past which I would like to challenge again. 

Please help with this ; if Transunion is going to continue to be the major player banks call for credit reports then they should make sure the American People can access the reports they have.

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
these late payments i am requesting them to be removed its against the law per 1666b and there is an account with self that does not belong to me and that needs to be removed.

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to dispute the accuracy of certain payment information on my credit report. Specifically, I am requesting that you delete all late payments from my credit report, as they fall under the exclusions listed in 15 U.S. Code 1681a2. According to the FCRA, payment history is excluded from credit reports, as it falls under the category of " transactions. '' Additionally, credit card utilization is excluded under the category of " experiences. '' Therefore, I am requesting that these payments be deleted from my credit report in accordance with my rights under the FCRA. If you don't want to follow U.S. Code 1681a2, I am writing to request the deletion of my account and all associated information from my consumer report in accordance with the Fair Credit Reporting Act ( FCRA ) Section 609. I am requesting this deletion because I no longer wish to have an account with your company and I do not authorize the sharing of my information with any third party without my express consent. As such, I request that you delete all information related to me from your company 's database and cease reporting any of my information to any third party. I am excerising my right and choose to opt-out. I understand that under the FCRA, you have 30 days to investigate my request and respond to me 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 non-monetary relief
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: FL
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-01-06
Company: EQUIFAX, 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'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be updated or corrected. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get adjusted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: EQUIFAX, 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:
On or about XX/XX/2021, Me and my fiance ' provided a background screening report to XXXX to be considered for a rental apartment home. On XX/XX/2021, I was denied by XXXX due to a past " Delinquent account ( s ), '' -- in which one of the delinquent accounts being XXXX XXXX XXXX XXXXrroneous " 30 days late '' reporting to my credit report. 

Per my prior CFPB prior XXXX XXXX complaint # XXXX, XXXX XXXX resolved this 30 days late dispute in my favor and agreed to send a request to the appropriate credit reporting agencies to update my credit report reflecting the 30 day late/delinquency error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have submitted four disputes in the last two month to transunion. XXXX XXXX is a debt collector thats been on my credit report fraudulently. I have my discharge paperwork from the courts that show this matter is closed and due to a chapter XXXX bankruptcy petition and closure.

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 2023-11-17
Company: WELLS FARGO & COMPANY
State: CA
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:
I am writing to dispute the inaccurate late payments reported on my credit file. After a thorough review of my credit report, I have identified discrepancies that I believe are affecting my credit score negatively. The purpose of this letter is to request a removal into these discrepancies and to rectify any inaccuracies in my credit report.

Below, I have outlined the specific details of the inaccurate information on my credit report : WELLS FARGO BANK CAR XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I have been a responsible and diligent payer, consistently meeting all of my financial obligations on time. However, the late payments reported on my credit file do not accurately reflect my payment history. I kindly request a thorough investigation into these discrepancies and the removal of any inaccurate information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Action Collection Service
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Company is suing me over a debt that I never received any notice for even though all of my mail has been forwarded with no problem before. They also state that they served me to go to court except they didnt. They went to the wrong address once again and served someone else. Ive tried contacting the company to settle my debt but they refuse and want me to pay all of these crazy Court and attorney fees when I never even got the opportunity to pay this debt off. Their practice & the way they run their company is a huge scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be updated or corrected. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get adjusted immediately : 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

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 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On or about XX/XX/2021, Me and my fiance ' provided a background screening report to XXXX to be considered for a rental apartment home. On XX/XX/2021, I was denied by XXXX due to a past " Delinquent account ( s ), '' -- in which one of the delinquent accounts being XXXX XXXX XXXX erroneous " 30 days late '' reporting to my credit report. 

Per my prior CFPB prior XXXX XXXX complaint # XXXX, XXXX XXXX resolved this 30 days late dispute in my favor and agreed to send a request to the appropriate credit reporting agencies to update my credit report reflecting the 30 day late/delinquency error.

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 2023-06-16
Company: Experian Information Solutions Inc.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-06
Company: M&T BANK CORPORATION
State: PA
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:
As of XX/XX/XXXX, the unauthorized credit inquiry is STILL on my XXXX report. 

A resolution package dated XX/XX/XXXX stated that the unauthorized inquiry would be removed " within 30 days and will not appear to any creditor requesting a credit report from a credit bureau '' This inquiry still shows up on XXXX XXXX as well.

Company response to consumer: Closed with explanation