BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-13
Company: Experian Information Solutions 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; CHILD SUPPORT ENFORCEM XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2021-05-05
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a bank statement in the mail on XX/XX/2021 from TD Bank for statement period of XX/XX/2021 to XX/XX/2021. The statement had information about how their overdraft fees work and an account summary of the checking account. I immediately called TD and reported this as a fraudulent account. The representative from TD 's XXXX department closed this XXXX account and the subsequent XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: Northeast Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Spoke with this company at the beginning of year. Threatened to sue me if I did not pay. I made payment arrangements with them on the phone and asked for a letter stating the debt was valid. Did not receive letter. Instead an email saying how much they would pull out of my account every month {$210.00}. Over the course of several months they changed names of company pulling money out of my account. Each time I informed them that I had not received my letter and wished for them to send it to me. Each time they said ok, and I never received it. In XXXX I finally decided to stop paying until they sent me a letter. Now they are calling again, and being rude and still refusing to send me a letter of validation. I do not want to be paying to a debt collector that may be fraud. Especially when I have asked several times for proof, and have shown good faith by paying them for several months with no proof.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: NC
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: Problem with personal statement of dispute

Complaint:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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

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 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have no recollection of these charges. 

TransUnion criminal report. Court XXXX. XXXX XXXX Citation : XXXX. Date:XXXX Wrong name. Citation do not match with anything on my MVR. 

Court ID : XXXX. XXXX XXXX Citation :  XXXX. Date : XXXX. 
Wrong name. Citation do not match MVR.

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 2023-09-25
Company: Experian Information Solutions Inc.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Transaction issue

Complaint:
On XXXX/XXXX/2016 at XXXX MST, a credit of {$2400.00} was issued to me by XXXX, XXXX, AZ XXXX, Phone number XXXX ( XXXX Invoice and credit card receipt attached ). The refund credit was made to Citibank VISA Signature Credit Card XXXX. Citibank customer service, on several occasion since XXXX, has stated that this credit card account does not exist in spite of the fact that I have the credit card in my possession with my picture on it ( copy attached ) and an email from Citibank dated XXXX XXXX, 2016 at XXXX MDT that states the card is activated and ready to use effective XXXX XXXX, 2016 ( copy attached ). 

Citibank ( via their customer service number XXXX ), has stated that there is nothing Citibank can do about this issue because the credit card account stated above does not exist at Citibank. They have also stated that any refund transaction coming in from anywhere would be rejected immediately because the credit card account does not exist at Citibank. 

I have contacted the XXXX accounting department ( XXXX at XXXX ) and waited the requisite 72 hours for the transaction to be rejected by Citibank ( XXXX stated rules ). As of XXXX XXXX, 2016, XXXX states that the transaction did go through and was processed and so there is nothing XXXX can do about my refund credit in spite of the fact they now have the returned merchandise ( and other merchandise that I never received ) in their possession. XXXX has stated that the XXXX XXXX XXXX XXXX batch number containing the refund transition is XXXX and that the transaction reference number is XXXX. The batch and reference numbers were given to me verbally by XXXX, but repeated back to her to ensure that I recorded the numbers correctly. 

So the problem is this : I am now out {$2400.00} and neither ( 1 ) Citibank who states my account does not exist nor ( 2 ) XXXX XXXX XXXX XXXX who states the transaction, in fact, did go through to Citibank, will do anything about this issue. 

Can you please investigate and get either Citibank or XXXX XXXX XXXX XXXX to send me a valid refund check in the amount of {$2400.00}. 

I am trying CFPB before proceeding with other legal remedies available to 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 explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I previously disputed this account on XX/XX/2023 stating : " I dont remember ever being late with a payment on this account. Please could you provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account and update it as paid on time.

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 2021-03-12
Company: JPMORGAN CHASE & CO.
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:
ISSUE : Business Credit Card Accounts, showing on my personal credit report ( never before ) as Late Payment and damaging my good 20+ years of personal credit, taking me down and troubling even Business from applying new credits /SBA Loans to jump start the operations during this COVID PANDEMIC time. 

Here are the details -- -- Chase Ink Business Credit Account Numbers : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX Credit on Business Name :XX/XX/XXXX XX/XX/XXXXBusiness Credits opened : XXXX Accounts Closed : XX/XX/XXXX due to financial troubles with Business and high interest rates on credit and so closed to pay off the balance with a monthly flat pay as agreed Payment : Paying as agreed by business. 
COVID PANDEMIC : Business was in hot water during this pandemic, missed couple of payments under $ XXXX in XXXX & XX/XX/XXXX. No help received from Chase for Business for any deferment and Officer ( I ) moved to another state ( XX/XX/XXXX ) for income generation and to support bills / payments and other financial support for XXXX treatments ( in-laws ). During this relocation and settle down time, missed communication/ correspondence from Bank on Business Accounts & Due Payments and Bank never communicated any paper bill. 
Consumer Credit Reporting : Never saw before the business credit accounts on my personal credit reports during the time XXXX for my business accounts. In XX/XX/XXXX only, those business accounts got attached to / popped up on my credit reports as Late Payments and negative accounts. 
Payment : No dues to pay and done till XX/XX/XXXX Correspondence : Disputed with Credit Reporting Agencies (XX/XX/XXXX & XX/XX/XXXXas these are Business Credit Accounts and Business is impacted by COVID PANDEMIC ..Sent mail to JPMCB CARD, Spoken to Card Services Members & Credit Dept XXXX XXXX requesting to consider, remove late payment and from consumer/ my personal credit reports, but unfortunately the associates PAID DEAF EAR, NO HELP, RE-ROUTING CALLS HERE AND THERE, which appeared to me biased, in equal, and simply ignore ... due to my slang (? ) sorry to say but that appears as if! 

PAYMENT history is good for 20+ years ( my personal ) with no late payments/ no bankruptcy / no convictions and good for 12+ years ( my business ) except 2 late payments in XXXX  XXXX ( 60 days XXXX This business accounts attached to my personal credit reporting and chase & credit reporting agencies took me down by 80points from very good status. 
- EVEN CREDIT REPORTING AGENCIES ( XX/XX/XXXX & XX/XX/XXXX ARE RELUCTANT TO CONSIDER / CORRECT AND UPDATE, EVEN SHOWING THE BUSINESS /COMMERICAL ADDRESS AS SINGLE FAMILY RESIDENTIAL TYPE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I sent a letter out disputing 2 accounts that were reporting inaccurate information. One account was still reporting activity each month even though the account was closed, and the balance was wrong on the account. The other account was missing information for XXXX of XXXX and reporting late payments when it was a billing error back in XXXX of XXXX. I was never late pursuant to 15 USC 1666B Timing of Payments. They came back on XX/XX/XXXX, updated and verified with the problem unchanged. Nothing was updated and it still reported inaccurate information. 15 USC 1681eb speaks on Credit bureaus assuming a role and has an obligation to make sure that every piece of information on each account is Maximumly accurate. They did not do that for 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 explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 XXXX 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 an 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 2018-10-15
Company: Experian Information Solutions Inc.
State: CO
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 filed a total of three disputes with Experian and XXXX for the removal of XXXX XXXX information ( totaling {$300.00} ) on my credit reports. Disputes were filed in XX/XX/XXXX ( online ), XX/XX/XXXX ( online ) and XX/XX/XXXX ( certified mail ). 

The collection account was tied to a workers compensation claim due to a work-related injury. There were numerous delays in the claim settlement and I was never responsible for payment of this account. The claim was paid in full by XXXX XXXX XXXX XXXX XXXX XXXX and the Division of Federal Employees Compensation ( documentation provided ). 

I originally disputed this account in XX/XX/XXXX as noted on the current ( Experian ) report. However, the account was not removed from my file as originally requested. In XX/XX/XXXX, I contacted the XXXX XXXX XXXX XXXX ( XXXX ) to request the necessary documentation to remove the account from my file. XXXX sent the requested documents to Experian and XXXX  on XX/XX/XXXX. I then filed a second online dispute with both companies in XX/XX/XXXX. 

After nearly 120-days the account remains posted to both reports. Whats more alarming is that Experian has now listed that case twice, with a second ( new ) date of XX/XX/XXXX ( pg. 8 ). The legend indicates this is an open collection ( C ) with a report date of XX/XX/XXXX. This is inaccurate information and a duplicate reporting of the original account. This account needs to be removed from my files at both Experian and XXXX credit reporting agencies. 

Enclosed are copies of the documentation from the XXXX XXXX XXXX XXXX  and the original creditor, XXXX XXXX XXXX XXXX, indicating this account was settled and paid in full by XXXX XXXX XXXX XXXX XXXX XXXX and the Division of Federal Employees Compensation ( workers compensation ). I have also enclosed copies of both credit reports, in the exact format they were recently sent to both Credit Bureaus for the third dispute by certified mail. 

These inaccuracies are significantly impeding my mortgage application and lending rates, impacting my ability to purchase our first home. If Experian and XXXX  are unable to resolve this issue in a timely manner, I plan to seek legal counsel.

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 2023-08-21
Company: Experian Information Solutions Inc.
State: MD
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:
Delete Hard Inquries. 

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 2023-07-04
Company: LDF Holdings, LLC
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Lendumo is taking money from my checking account on a loan I did not do This is a fraudulent loan that they have been taking payments out of my account Have been trying to work with the company to refund payments they took from me. Did a police report, an affidavit and copy of bank statement showing I never received the money. They are not refunding my money. It is {$1000.00} that they owe me. I have been trying to resolve this account for 3 months now. They will not resolve this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: CITIBANK, N.A.
State: CA
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:
Please reference case number XXXX. Complaint sent to CiTiBank Credit Card disputing a payment made in the amount of {$10000.00} XXXX a company owned by XXXX XXXX which has been shutdown by the FTC for fraud. CitiBank explains the there reason for not providing help because the occurrence of fraud was detected by the FTC after 120 days of opening this account to fund the XXXX business. Why can XXXX give cover for the victim in this Ref. XXXX and CitiBank provides no help to someone who is about to loose my home. My hope was to earn money to make and honest living not to be a victim of fraud. 
Please look at the Compensation Plan pdf, these levels are for lifetime. Need Help Now!

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