BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-22
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: Information belongs to someone else

Complaint:
This complaint will be my follow-up to my previous complaint that contains these disputed accounts : XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00} I want the aforementioned accounts to be deleted for they are misleading and erroneous

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I wanted to alert you, the CFPB, to a potential UDAP violation by Citi Bank in regards to their Best Buy Card. 

When purchasing a new laptop from Best Buy, I was marketed their " buy now, pay later '' offering through their Citi Bank XXXX XXXX. It was marketed as " XXXX XXXX '' over 12 months, which I thought meant the total purchase would be paid over 12 months without interest. After purchasing I went to setup automatic payments, which default at the minimum payment for the card. Later realizing these automatic payments wouldn't pay off the full purchase over 12 months, and at the end of 12 months I would get hit with sudden interest charges and potentially deferred interest. 

Things that are marketed as buy now, pay later with XXXX interest should steer the customer to pay off the full principal over XXXX even payments without interest. I found this to be deceptive and recommend further investigation and a potential XXXX and or fine.

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 2020-11-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have checked my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts and have never incurred a debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. Also, It could also be possible you are mixing up these accounts with someone that has a similar name as me. The accounts are not mine, and I would like them immediately deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX 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 2023-04-22
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Reporting is incorrect, I was never late on the account. 
Please provide proof of late payment to justify the alleged late payment reporting. 
If you can not provide this, please delete from my credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Foris DAX, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Deposited two transactions in Crypto.com {$500.00} and {$60.00} on XX/XX/XXXX. Today is XX/XX/XXXX. Website says can take up to 7 full buisness days it's been 9 if you count XXXX XXXX XXXX but at least 8. I contacted customer support yesterday and today. All they will say is they are looking into it. They allow you to use the deposits to " buy '' but not transfer crypto on the Crypto.com exchange but not transfer it off of the exchange while at the same time they also freeze your funds that were already cleared for use until the new funds are cleared. Many people are complaining about this online

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 2023-12-01
Company: EQUIFAX, INC.
State: MI
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:
I hope this letter finds you well. I am writing to express my continued concern and frustration regarding the second unsuccessful attempt to remove fraudulent items from my credit file with Credit Bureaus. Despite my previous communications and efforts to rectify this issue, the unauthorized entries persist, causing considerable distress and potential harm to my financial standing. 


Discovered unauthorized and fraudulent entries on my credit report. 
Immediately reported the fraudulent items to your dispute resolution department, providing all necessary details and supporting documentation. 

Received acknowledgment of my initial dispute but witnessed no immediate action on the removal of the fraudulent entries. 

Followed up with the dispute resolution department to inquire about the progress, expressing the urgency of the matter. 

Despite assurances, the fraudulent items remain on my credit report after the second attempt, causing additional stress and potential financial repercussions. 

I understand that resolving these matters can be complex, but the persistence of these fraudulent entries is highly concerning and unacceptable. 

I urgently request the following actions : Immediate and thorough re-investigation into the fraudulent entries on my credit report.

Transparent communication regarding the steps being taken to identify and remove the unauthorized items.

Swift removal of the fraudulent entries from my credit report and a confirmation of their removal.

Assurance that my credit report will be accurately updated, reflecting the successful removal of the fraudulent items. 

Compensation for the inconvenience, stress, and potential financial impact caused by the delayed resolution and second unsuccessful attempt. 

I insist on a resolution within the exact timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, 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:
Experian make it very difficult to work with XXXX mean cold hearted people with no sympathy on someone in regards to something on the credit such as an inquiry were not criminals here and not every inquiry is authorize by the person in my case I didnt authorize this inquiry and I submit a proof and an email that was sent to me by my leasing XXXX along with an attachment I dont understand why Experian wont work with me it doesnt make sense and they treat us like were bad people were human beings and it shouldnt be so difficult to be able to dispute something on a credit they make it so hard even though we have proof they still make it difficult and its not right at all I hope that you can resolve this matter and this inquiry can be removed off my credit thank you and I appreciate your time sorry for the inconvenience the account is rent grow 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 explanation
Consumer complaint received 2023-04-22
Company: CL Holdings LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Reporting is incorrect, I was never late on the account. 
Please provide proof of late payment to justify the alleged late payment reporting. 
If you can not provide this, please delete from my credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: CMRE Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
IDK what this bill is or where it is from I have no knowledge of this I get calls but IDK what this is for and advised them to stop with the calls

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/2022 XXXX XXXX XXXX Balance Owed : {$3900.00}

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 2019-08-05
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:
XXXX XXXX did not hire a collection repair company. My claim has not been validated i have been try to get this looked in too since XXXX and the credit agency are blowing it off and not looking at none of the facts thats this is not my account. I received a bunch of garbage from the XXXX XXXX XXXX with a made up contact that is not my signature. I and sending the made up contact and a copy of my Id please compare the too and look at the us postage which i sighed and my looks nothing like the made up copy righted signature. The credit agency is not even validated the account they are refusing to do there job. And putting wrong information that does not belong to me on my credit report. Also they removed XXXX XXXX XXXX off my file back in XXXX and thats who sent the contact for XXXX XXXX XXXX a fraudulent account. i filled out with my And also direct to the company I am trying to get this resolved I have sent certified letters to the credit bureaus. For XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX tracking number sent directly to XXXX XXXX XXXX   XXXX I sent certified letter with requested signature to the collection agency with signature returns that it was received and they still have failed to send me information that the account belongs to me. The credit bureau are refusing to take this off my credit. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.. the collection company will not respond to me so the credit bureau are failing to report accurately information please remove off my report. Please actually ready all Correspondence and remove this fraudulent 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 explanation
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX XXXX XXXX Balance : {$70.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$21.00}, XXXX XXXX XXXX XXXX Balance : {$12.00}, XXXX XXXX XXXX XXXX Balance : {$10.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$8100.00}, XXXX XXXX XXXX  XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : -

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 2023-04-16
Company: Experian Information Solutions Inc.
State: WA
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 reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy.

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

Also under USC 15 section 1666B states that A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
transunion/XXXX released my report without my written consent and violated my federally protected rights Navient is using my identity and saying I owe, this is fraudulent ; producing a contract without my signature is Fraud and very illegal.15 U.S. Code 1681b No permissible purpose ; no written consent as required by law 15 U.S. Code 1681 consumer reporting agency must take a vital role protecting my rights to privacy The bureau is not verifying the debt is actually mine ; who did they speak with as required by law when acquiring my location ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted. 
They are not protecting consumers rights Not only that XXXX is harassing me and calling my all time/hours ; oppressing me reporting false late payments 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a 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 non-monetary relief
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, 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:
XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 This is an inquiry I have no idea where it came from or who did 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 non-monetary relief
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Commonwealth Financial Systems, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In the previous complaint response on XX/XX/2023 Commonwealth response stated they were sold the debt XX/XX/. He informed me that on XX/XX/ they sent electronic letter with no proof of this letter being sent or to where and how being that it was electronic I would assume an email meaning I should have evidence or records of this. The letter was then reported as having no undeliverability issues which in case unless a letter legally was sent certified mail with proof of receipt then how can it be accurately determined as I received it? I never did receive a bill even still! Also, in this same message he said the letter stated how I the alleged debtor had right to dispute the collection and they monitored account for only 14 days before reporting to the credit agent. As per XXXX report, the collection was reported to my account as collection on XXXX XXXX. Per my legal rights, if I have the right to dispute charges that would entail that I legally have a right of thirty days to verify the information and documents would be accurate and respond or dispute the debt before it can be reported to a credit bureau upon confirmation of contact. Information of this is submitted in documents and needs to be removed or will take legal actions of not allowing me my right to respond or giving proof that such information im entitled to knowing about the debt was never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: EGL US, LLC
State: TX
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:
BMG MONEY IS REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT XXXX SHOWS 5 LATE PAYMENT AND XXXX IS SHOWING 4, DUE TO THE FAIR CREDIT REPORTING AGENCY IT IS IMPORTANT TO REPORT ACCURATE INFORMATION, HOWEVER XXXX IS NOT REPORTING ANY PAYMENTS THAT I MADE IN 2023 PLEASE UPDATE THIS INFORMATION AS TO IT BEING CORRECT AND NOT BEING FALSE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation