BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I, the consumer and natural person never gave consent to Experian, XXXX, and XXXX to sell my information to collectors and debtors! I, the consumer and natural person never submitted a document stating what I want to be reported on my credit report! These Credit Bureaus have been selling my information for years without my consent, Ive sent multiple letters in demanding them to remove inaccurate information from my report, inaccurate addresses, and also other people addresses are reporting on my file! I have many inquiries on my report but I havent not received any products or services, since my social security number was used ( credit card ) this is really damaging my ability to get a home as Im being discriminated against for not having a certain number, I cant get an vehicle for my own personal use! This has caused so much DAMAGE as I was unaware that my information is being sold without my consent! Its all fraudulent! I will like to be compensated a clear consumer report and also to be compensated {$250000.00} for damaging of my property and using my signature without my consent!

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 2019-09-03
Company: Experian Information Solutions Inc.
State: TN
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 AM A VICTIM OF IDENITY THEFT. I SENT INTHE ID THEFT AFFIDAVIT AND POLICE REPORT AS I WAS INSTRUCTED WHEN I CONSULTED THE FTC. IT HAS BEEN OVER 2 MONTHS AND EXPERIAN CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VIOLATION TO THE FCRA LAWS. I WOULD LOVE FOR EXPERIAN TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPLEN BY THE THEFT AND NOT 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 2023-04-14
Company: Lendmark Financial Services
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I notified Lendmark financial on Tuesday XX/XX/2023 once I notice a few hard inquiries. I applied with lendmark a few times but the sites states will not affect credit score which I will provide that. I called and spoke with someone in disputing. She stated that when applying it's a hard pull online and I stated your site says WILL NOT AFFECT YOUR CREDIT SCORE. I begin to pull up site and read it to her. After the conversation she states I would just dispute it. I was confused because I stated that's why I'm calling because this is the disputing line. Lendmark financial has false information on their website and states it want affect which would be a soft inquiry but unfortunately it's a hard inquiry and I wasn't aware until now. Lendmark financial need to make customers aware of this and remove that it wont affect credit score because it drops it points for checking it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: CITIBANK, N.A.
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I was approved for a Loan Modification CITI Mortgage and made all of the the Trial Modification payments IAW the terms and conditions of the Trial Modification terms. CITI mortgage sent me Final Mod docs and the incorrectly are asking my Ex Wife to sign the Final Modification docs as a Borrower when she has no interest in the property ( the property is solely titled in my name and my Ex Wife never signed the original promissory XXXX XXXX multi State document. I signed the final Mod docs and noted o them that my Ex Wife refuses to sign them and also, I informed CITI 's Execute Response Representative the same. This past weekend I received a Demand Notice from CITI for payment in full though I have in fact returned the Final Mod docs with the requested XXXX Payment in accordance with the requested dates. At this stage of the process, I do n't to incur more attorney costs in defending myself from a Foreclosure XXXX by CITI. I just want the correct XXXX XXXX docs to be sent to me not asking for my Ex Wife to sign them and we can finalize this long process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT XXXX  Account Number : XXXX Delete this account. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX 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 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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. 16818-2 ( 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 2023-04-14
Company: EQUIFAX, INC.
State: AL
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 received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Subject : Formal Complaint Regarding Discriminatory Practices and Unauthorized Access to Credit Report I am writing to file a formal complaint against your organization regarding discriminatory practices and unauthorized access to my credit report. I kindly request that this complaint not be closed without thorough investigation and resolution. 

I have encountered significant challenges over the past few months in attempting to rectify discrepancies in my credit report, specifically related to XXXX XXXX accounts and other unauthorized entries. My primary objective is to have these erroneous records promptly removed to facilitate my pursuit of homeownership and the realization of the American dream. 

As a minority XXXX woman, I am particularly concerned about potential bias in credit reporting. Notably, my social security number begins with a XXXX, and studies indicate that most minority social security numbers commence with a XXXX or XXXX, while non-minority numbers may start differently. This raises suspicions of discriminatory practices affecting my credit profile. 

Despite my persistent efforts, I have been unsuccessful in preventing XXXX XXXX and other entities from accessing my credit reports. I formally requested that your bureau block their access to prevent fraudulent activities. Regrettably, my requests have been ignored, leading to continued unauthorized access and monthly derogatory updates, adversely impacting my credit scores. 

I urge your immediate attention to this matter and request a thorough investigation into the discriminatory practices and unauthorized access outlined above. It is my expectation that the appropriate measures will be taken to rectify these issues promptly. 

I appreciate your prompt attention to this matter and anticipate a resolution that ensures fair and unbiased credit reporting. 

Sincerely, 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 2017-03-26
Company: CITIBANK, N.A.
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
During the course of our Chapter XXXX repayment plan our lender failed to credit our account appropriately for XXXX payments. We have contacted them on several occasions over many years, but they have yet to credit our account properly. In each of our disputes, we provided the lender with the proof showing the payments have n't been properly applied and they still wo n't correct these accounting errors. They are as follows : 1. XXXX - Payment never applied, shows received on XXXX, principal balance is {$170000.00} before payment is received and remains that amount until XXXX. Payment shows in unapplied funds column of the payment history as provided by the lender. 
2. XXXX - Payment never applied because of reversal errors in accounting. The principal amount of our loan after the XXXX payment was {$160000.00}. A payment was made on XXXX. The lender applied the payment twice, then reversed the payment twice, then reapplied a payment, then reversed the payment. This left the balance at the end of XXXX after making a payment still showing {$160000.00}. 
3. XXXX - Payment never applied because of reversal accounting error. The principal balance at the beginning of the month was {$150000.00}. A payment was received on XXXX. It appears the payment posted twice but it only XXXX payment affected the balance. On XXXX, the payment was reversed causing the principal amount to go from {$150000.00} back to {>= $1,000,000}. Our payment for XXXX was received on XXXX and the lender contends that is the reapplication of the funds. However, we have shown proof, the XXXX payment was a new payment and not the reapplication. 
4. XXXX - Payment never applied because of Lender reversed it in XXXX. The payment shows being received on XXXX but not applied to the account until XXXX. This payment is inexplicably reversed on 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 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I sent letters to all three credit reporting agencies stating the following : There are things on my credit report that I believe are inaccurate and false, I want you to know that I take my financial obligations very serious, and if it werent for these few inaccuracies, Id have an excellent repayment record. Please consider this a formal request to investigate and correct the following items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I ask that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments 1. Late payments XXXX XXXX XXXX XXXXXXXX This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

2. Late Payments XXXX XXXX XXXX XXXX  XXXX This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

3. Late Payment XXXX XXXX XXXX  XXXX This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

4. Late payment XXXX XXXX  XXXX XXXX XXXX XXXX This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

5 .Inconsistent open dates Throughout credit reports Not consistent among the three.

6. Inconsistent payment date Throughout credit reports Not consistent among the three.

7. Inquiries done by XXXX, XXXXXXXX XXXX XXXX which I do not recognize.

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 2020-04-11
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not receive any written or verbal notification of this collection or what this is for. It just showed up on my credit report. I think I have the right to see what this is about before anything is placed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Today alone I spoke with 9 Citibank staff who refused to take Fraud. XXXX hung up on me after 2.5 hours of this. Attached is cost if hotel given to XXXX, branch manager 2 months ago. I have gone on 7 times and saw XXXX, personal banker-this was 1st time notified of this. Attached is cost that XXXX, branch manager was supposed to send to fraud Dept.  But did not. Proof of cost attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Delete this 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 non-monetary relief
Consumer complaint received 2020-04-10
Company: Experian Information Solutions Inc.
State: TN
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:
THESE ACCOIUNTS ARE NOT MY ACCOUNTS

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 2023-07-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter last XX/XX/XXXX to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than XXXX business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$22000.00} XXXX XXXX  Balance : {$800.00} XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$160.00} 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 explanation
Consumer complaint received 2020-04-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Received a letter lowering credit limit from {$8500.00} to {$500.00} after card was paid off in full. Letter stated reasoning as ( one or more chase cards is delinquent, Bankrupt, or in a payment program Amount above the required minimum on some chase cards is low, Credit Report shows delinquency, Public record or bankruptcy one or more credit cards are over limit ) which in all cases are false and do not apply to me. I feel that JPMorgan Chase Bank applied the wrong identity information or falsified information to lower my limit due to the situation of the pandemic. Ive been in good standings with Chase and all credit cards. I possess only one credit line with Chase. This situation hurts my credit score tremendously. Which effects my future credit standing in this unforeseen times of need.

Company response to consumer: Closed with explanation