BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-19
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) 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 XXXX data breach and may have got 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 2023-11-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX 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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 ( XX/XX/2022 ) 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 XXXX data breach and may have got 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 2023-09-29
Company: EQUIFAX, INC.
State: TX
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:
This is my 12th 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 records 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 an alleged fraud or extortion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: CA
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 am writing to express my gratitude for taking action to remove some of the fraudulent accounts from my credit report. However, my appreciation is overshadowed by deep frustration and distress over the incomplete resolution of my identity theft dispute. While I am thankful for the steps that have been taken, it is disheartening that not all of the accounts I am disputing have been addressed. This incomplete action leaves me in a state of uncertainty and distress, as my financial stability and peace of mind continue to be compromised. I urge your bureau to recognize the importance of finishing the work you have started. It is essential that all the fraudulent accounts that have been reported are thoroughly investigated and removed promptly. Piecemeal resolution only prolongs the anguish I have endured as a victim of identity theft. These are the fraudulent accounts left that you havent remove : XXXX XXXX XXXX and XXXX XXXX XXXX. Please remove these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: EdFinancial Services
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 applied for XXXX XXXX XXXX loan forgiveness and my edfinancial accounts should be closed as they were sold to XXXX. My edfinancial loans are still showing on my credit reports which means my loans were duplicated and showing incorrect information. I have no more loans with edfinancial. My loans were sold and consolidated into XXXX at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Citi bank stated that I did check balance of {$4700.00} back in XX/XX/XXXX. I asked Citi for a photo copy of the balance transfer check and they have not provided me with a copy. I did a balance transfer to XXXX in the amount of {$830.00}. When I inquired more about the account, the account/credit card did NOT match my account number.. my account ended in XXXX. I was never sent a statement with amount that I owed {$4700.00} I only found out in XX/XX/XXXX when I notified internet charge that I didnt recognize and thats when I found out this XXXX XXXX check transfer with a account ending in XXXX. They could never produce this photocopy and its NOT my debit charge.

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 2023-03-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
i have an Itin and when i went to the dealer they informed me that i had a different social on my report, however i should only be listed under my itin which is XXXX nut the social i am getting MIXED-UP WITH IS XXXX I NEED THIS CORRECTED, I AM BEING DENIED A CAR DUE TO HAVING A MIX CREDIT WITH 2 IDENTIFICATION NUMBERS, I HAVE SENT IN ALL DISPUTES AND IT IS STILL BEING IGNORED. NO ONE HAS BEEN ABLE TO HELP ME AND I DON'T KNOW WHAT TO DO. I NEED TO REMOVE THE XXXX FROM MY REPORT, I DO NOT HAVE A SOCIAL I HAVE A ITIN PLEASE, DELETE THIS AND ANY INFORMATION THAT IS NOT MINE.

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 2023-10-06
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received several phone calls from Credence Resource Management ( Credence ) .Trying to collect a debt that I do not owe and is not mine. I have informed them of this and that I'm on the national do not call registary and asked them to stop calling me. They have a robo-dialer that changes the last two digites of their phone number so it gets past my block.. They are in violation of The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: DC
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:
On XX/XX/2023, i disputed and account on my credit report which seems to be there in error. I filed an FTC report and i followed all steps governed to me by federal law 15 U.S.C 1681c-2 a block of information. I sent this letter to the credit bureau with no response. To my understand, once the steps are completed to black erroneous information the bureaus have 4 business days to block this account. XXXX is the tradeline that is current and beyond the 4 days the law allows. I reached out to the CFPB via complaint ID XXXX on XX/XX/2023 asking for additional assistance and still has yet to receive any updates nor responses. Federal Law 15 U.S. Code 1681c-2 states 4 steps need to be completed in order for a company to black information from your profile and as of XX/XX/2023 the credit bureau is in violation of a response within 30 days of receipt of a dispute and also 4 days in responses to a block dispute. Please maintain XXXX percent accurate record keeping as youre governed to do so. Block this inaccurate, and incorrect account from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: MA
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:
Please remove this information from my credit report, this affects me a lot, I don't want to have it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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: Was not notified of investigation status or results

Complaint:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX, XXXX XXXX 
Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Whom It May Concern : Ive called XXXX XXXX XXXX, spoke with XXXX, XXXX with XXXX at XXXX XXXX XXXX, then I was connected with a XXXX at XXXX XXXXs at XXXX XXXX XXXX, then again with a XXXX at XXXX XXXX XXXX, then transferred to XXXX when I spoke with a XXXX XXXX at XXXX XXXX XXXX, then XXXX at XXXX XXXX XXXX and lasty with XXXX who confirme the account was paid per the agreement and closed on their end but this part was not communicated to XXXX. 

I am at my witsend at this point, Ive tried to resolve this cordially but now I am forced to file a small claims suit against both parties. Unless the account and tradelines are removed, the following suit will be filed in 15 days. This is unacceptable and a violation of Rosenthal Fair Debt Collection Practices Act. 

If XXXX fails to notify the credit bureau within 15 days of receipt, I will institute legal proceedings due to the breach of contract. The action taken by XXXX and its agents is in violation of the Fair Debt Collection Practices Act. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( emphasis added ) Also, be advised that the undersigned is keeping accurate records as noted above of all correspondence from you and your company, agents, and assignees, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission, and the XXXX XXXX XXXX. 

The debt has been disputed. Feel free to contact the undersigned at the number below to discuss a resolution. Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: NC
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:
To Whom it may concern : Good Day, My name is XXXX XXXX - an Identity Theft victim of the 2017 Equifax Data Breach - and I am contacting you to uphold my rights as a U.S. Citizen in accordance with the Fair Credit Reporting act. 
- - The List of XXXX Accounts below have Violated my Federally Protected consumer rights to Privacy and Confidentiality under 15 USC 1681 listed below : XXXX. XXXX XXXX XXXX XXXX = Account # : XXXX XXXX. ) XXXX XXXX = Account # : XXXX XXXX The Above XXXX Accounts have violated my Rights as per the following Laws :. 

~ 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. 

Thank you dearly for your diligence and time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: OneMain Finance Corporation
State: MN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I was told to purchase an add on product for my title loan at One Main but when I tried to optimize the service I was told I couldnt use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: GA
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:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning discrepancy in the information reported by Experian on my credit report. Upon reviewing my credit file, I discovered that Experian has verified a bankruptcy through the courts, which, after conducting due diligence, I found to be inaccurate. 

I have attached documentation confirming that I submitted a letter to the court requesting information regarding the alleged bankruptcy. The court, in response, verified that they did not provide any such information to the credit bureaus. This raises serious concerns about the accuracy of the data Experian is reporting. 

Furthermore, upon accessing my credit file online with Experian, I noted that they claimed to use a vendor to verify the mentioned account. This implies a third-party involvement in the verification process, potentially leading to a violation of privacy and accuracy standards.I have attached screenshots and documented proof of the court 's response, along with evidence of Experian 's acknowledgment of using a vendor. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccurate information on my credit report.Your prompt attention to this matter is greatly appreciated. I am hopeful that this dispute can be resolved swiftly to ensure the accuracy and integrity of my credit report. 

Thank you for your time and assistance.

Company response to consumer: In progress
Consumer complaint received 2023-08-15
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I received the requested email payoff quote from Mr. Cooper on XX/XX/XXXX but was not able to open until night of XX/XX/XXXX due to their system experiencing intermittent issues on the web. I mention this due to the fact that theyre trying to Foreclose on my home & time is of the essence. I also believe that Mr. Cooper is incorrect & making another error regarding the alleged principle amt. of {$20000.00} that theyre stating is owed to them on a loan of {$32000.00} with an interest rate of 2.375 % for most of the years ( I believe XXXX ) that Ive had the loan & have been paying on this loan for 15 years & was Never late until they stopped taking payments out of my checking account. Ive discovered another error with this company regarding my Maturity Date which is Not XX/XX/XXXX as Mr. Cooper has stated in their documents, My actual XXXX XXXX is : XXXX/XXXX/XXXX effective : XX/XX/XXXX which I have proof of & is crucial in my defense since Mr. Cooper claims that their reason for reneging on their reinstatement quote of XXXX & repayment agreement of {$130.00} that they XXXX offered Me on XX/XX/XXXX. 
This is definitely suspicious fraudulent conduct in my overall opinion & I deserve satisfactory treatment, answers & an investigation into this matter asap. Thank you in advance. Best Regards!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
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: 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. 

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