BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-07
Company: EQUIFAX, INC.
State: NC
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: Southern Management Systems Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Good Afternoon, This is a follow up to my previous email in regards to my claim with Southern Management. I spoke with the Leasing Manager XXXX XXXX at XXXX XXXX XXXX. She states and she proves that I was NOT in XXXX XXXX  as stated on the letter sent to Southern Management. I am still not understanding why the charges were deducted to {$160.00} if I have proven I was did not live in room A. Also, according to 15 U.S. Code 1681b Permissible Purposes of consumer reports it states that a consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with WRITTEN instructions of the consumer to whom it relates. I do not recall giving any companies any type of of instruction to have these things on my credit report. They also need to prove that they have written instructions that I gave them permission to report this on my report. This is defamation because you are reporting negative items that's been making me seem like a irresponsible person. I take my credit and character very seriously. Please remove from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: NC
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:
Experian continues to report the wrong name on my credit report as well as wrong address. I have submitted two forms of identification as well as a paystub that shows my proper name and address. My name has not changed and has been my name for my entire life. I have a joint last name.

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 2021-12-07
Company: CBC Companies, Inc.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, OH XXXX SS XXXX XXXX XXXX I was recently in the hospital for XXXX XXXX  on my XXXX a year ago. I just now have got back to work. I discovered that my credit file has over 2 inquires for transactions that were never authorized by me. I have only XXXX XXXXL as my only business dealings. I would never run my credit 2 times that is insane and unnecessary. Please delete the following inquires Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquires : Factual Data and also XXXX aka XXXXXXXX XXXX. I am not sure who approve this or even made these inquires. This the 2nd time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
After 3 days of payment do. This company charge my account plus the payment that is due. No 30 day grace period. Call harassing late at night.

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: Experian Information Solutions Inc.
State: WA
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:
Account name : XXXX XXXX XXXX Account number : XXXX Account type : Credit card Date opened : XX/XX/XXXX Status Collection account. {$120.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX XXXX {$670.00} XXXX updated XX/XX/XXXX This is an inaccurate credit reporting that I don't recognize. I filed a dispute with Experian, XXXX, and XXXX. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt

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 2023-08-14
Company: Security Credit Services, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I am in need of help because I am being harassed by a debt collector who is repeatedly calling me after I told them that it was an inconvenient time to call me... 
but they didn't stop there. I have a recording of me telling them that it's a bad time to call me. I also have screenshots of them calling at the same time day after day making me feel uncomfortable. 
I looked up this law 15 USC 1692 which is the FDCPA and in section 1692c ( a ) ( 1 ) it says ( at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX postmeridian, local time at the consumer 's location which means that if I told them that it is not a good time they should know that the time they called me was inconvenient They also violated me again under the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: EQUIFAX, 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 XXXX  XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy.

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
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 status incorrect

Complaint:
I have a collection account that is reporting on my credit report from XXXX XXXX I have paid this collection and in turn received a letter from XXXX confirming that they will indeed request the credit bureaus to delete this account. This occurred on XX/XX/XXXX, however, as of XX/XX/2021, the derogatory account still remains on my credit report despite written confirmation from XXXX that it would indeed be deleted and that a request has been sent for deletion as well. I have attached the letter from XXXX below.

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 2023-10-15
Company: EQUIFAX, INC.
State: TX
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:
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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiryon my Equifax, XXXX and XXXX ) credit report XXXX My latest credit report shows 1 credit inquiry that I did not authorize. 
I writing to dispute the following inquiries and asking for their removal from my credit report. 
Please have thisunapproved inquiryremoved from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: WI
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:
This is my second notice. I sent letters to Equifax, XXXX and XXXX with no resolve yet. I asked for my name to be corrected within there system and I sent along a copy of my State ID with the correct spelling of my name. Anything else with my name misspelled should have been deleted along with the charge off accounts. This is effecting my credit and this should have been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
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:
In accordance with the fair credit reporting act XXXX  XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy.

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions

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 2021-01-22
Company: CBC Companies, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am requesting the removal of all credit freeze and fraud alerts from my credit profile so I can conduct business as usual with my company. This credit freeze is preventing me from accessing my information to do business. I am trying to apply for a business phone line with XXXX XXXX XXXX  they can not access my credit file. My full name XXXX XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX please see attached documents and ID Please!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
ON XX/XX/XXXX I was approved for a CitiBusiness Advantage Platinum Select Mastercard with Citibank. It was supposed to arrive 7-10 business days. On XX/XX/XXXX before I even received the card, I received a letter in the mail about a Fraud Alert. I contacted Citi and on XX/XX/XXXX and was told the fraud issue was " resolved ''. I finally received the card on XX/XX/XXXX. I opened, activated and registered the card same day attempted to use it 1 time at common, local store, XXXXXXXX XXXX, and immediately had a Fraud Alert. I contacted Citi on XX/XX/XXXX and spoke to Fraud team, it took 45 mins to verify my identity because Citi would not use my primary phone number or any other phone numbers in my home to verify me. They said they can't use the same phone number for verification more than once. However, that is my phone number and the number registered on my account. Finally a supervisor verified my information and cleared the fraud block. 15 mins later I attempted to make my second purchase, another Fraud Block. I called back in again, and the Citi Fraud team refused to verify my identity because they could not use my phone numbers to verify me. I tried my number, my wife 's number, my son 's number, my daughters number. They said their " system '' would not let them use any number and they couldn't verify me. Therefore, I couldn't use the card that literally just arrived in the mail this same day. Having gotten so frustrated after being on the phone with them for 3 hours and transferred around to 3 different departments, I wanted my account closed. They refused to close my account while I had a Fraud block on my account. I told them, they can not force me to keep an open credit account open in my name, against my will. they stated there was nothing they can do. A consumer should not have to go through this much trouble to use a card. Fraud Blocks before the card arrived, Fraud Block for every transaction attempted. I never even got a chance to use the card once before Fraud blocks triggered. American Express and XXXX are nothing like this. Citi is the worst and whatever process they use to supposedly validate a phone number needs changed.

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 2021-12-29
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: Personal information incorrect

Complaint:
XX/XX/21 called XXXXXXXX XXXX XXXX and/or XXXX XXXX ( XXXX XXXX XXXX ) when I finally reached a rep ( XXXX XXXX described the situation ( fraud indicator about address ). I wanted to know which address was triggering the fraud indicator. She was unable to tell me that info, suggesting I try a dispute wXXXX. I've already done that, and the issue has been going on for a month w/numerous phone calls to creditors, credit bureaus, and XXXX XXXX. XXXX sent me to her supervisor XXXX. XXXX was unable to help me either and kept referring me back to XXXX How is it possible for any and all of these organizations to provide information about me, to potential landlords/creditors/etc and have no documentation to back it up? XXXX said the info was verified. Since I still don't know which address specifically they are referring to, how was it verified? What is that verification? No one knows or is willing to share that info w/me the consumer that they are reporting it about. There is no accountability to anyone for anything they are reporting that I can see.

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 2022-06-14
Company: Experian Information Solutions Inc.
State: LA
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 XXXX Account below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right ton 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 Creditor Name XXXX XXXX XXXX Account No. 
XXXX Creditor Name XXXX XXXX XXXX, XXXX Account No. 
XXXX Creditor Name XXXX XXXX XXXX Account No. 
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 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX*Balance Owed : {$540.00}

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 2023-01-06
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX We received text messages inquiring about a potential fraud charge at a XXXX for over {$300.00}. After responding no we received a phone call immediately pretending to be XXXX bank and advising our acct was compromised. Asking for verification like the username and sending codes via text to confirm identity. This allowed the perpetrator access to our online banking and they wired themselves {$9300.00} plus we were charged a {$25.00} wire fee. The bank who received the funds showed TD Bank in XXXX XXXX and the suspect with the account is XXXX XXXX XXXX. Supposedly XXXX requested 3 times that TD Bank return the fraudulent funds in the amount of {$9300.00}, but TD bank provide any updates and has no phone numbers for whom we can contact and their representatives refuse to speak with me. They advised our bank or detective can contact them on their back Office number that they should know. Neither XXXX XXXX  XXXX XXXX XXXX with XXXX XXXX police have any knowledge of this back office number. When I reported the issue on XX/XX/XXXX I was advised by XXXX it would be 3-5 bus days to complete the investigation/funds returned. XXXX called me on XX/XX/XXXX to advise someone would be reaching out to discuss from the fraud wire dept and no one has. The branch says they have done all they can do. Even XXXX the branch manager in XXXX XXXX is complacent to the issue and speaks as if theres nothing they can do. I spoke with TD bank today, and they advised me that XXXX can in fact call their back office and receive information. XXXX at the branch said made a XXXX way call to TD bank with myself on the line and contacted XXXX ( XXXX resolution group ) but they transferred our call and the end result was an automated message with an email to contact with. The email is only for law enforcement-as I emailed and the automated message said it is for law enforcement only. TD Bank refuses to talk to me and wants to talk with XXXX bank regarding this fraud case, however, even XXXX is getting no response. I have filed a police report with XXXX XXXX, Report ID XXXX for the criminal offense but havent been able to get any information about my funds being returned. What poor customer service to leave your customer hung out to dry and callously explain repetitive info that you have as a courtesy already escalated it and have done all they can do. TD Bank should be required to comply when funds have been identified as fraudulent. I have filed also with the FTC report # XXXX and with the FBI ( XXXX ). Please help me recover our funds that were stolen and deposited at TD Bank XXXX A/C XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation