BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I attempted to send a request for to XXXX XXXX XXXX on XXXX XXXX XXXX via certified mail to the address listed on my credit report ( XXXX XXXX XXXX XXXX, XXXX  XXXX ). The letter was returned as undeliverable. According to the FCRA i have the right to an accurate credit report. Since the address is not listed correct i demand any account associated with XXXX XXXX XXXX be instantly 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 2022-12-14
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: Account status incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2023-06-15
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello my name is XXXX XXXX XXXX XX/XX/96, last 4 of SSN XXXX, I am contacting you today because I took a look at my credit report and I noticed that there is an account on there that was not authorized by me, ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX  ) in the amount of {XXXX}. Account # ending in XXXX. I have never been to this institute before and when i contacted the institute they gave me the run around and told me there wasn't much that they can do. I believe I have become a victim of fraud, can you please help me to get them to share proof that this account is 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 non-monetary relief
Consumer complaint received 2021-08-27
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: Credit inquiries on your report that you don't recognize

Complaint:
I mailed oFf a dispute letter over a month ago. The credit bureau has not responded nor corrected my problem. They are reporting inaccurate personal information.

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 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Fair Credit Reporting Act, The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts Names and account Numbers are as follows : XXXX XXXX XXXXXXXX, 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 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 ALSON STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing ay 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 9 ( A ) ( 1 ) A person shall not furnish any information relating to 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 explanation
Consumer complaint received 2024-01-10
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I opened a Best Buy credit card in XXXX to buy a Washer/Dryer set with. Citi bank was the issuer of the card and only gave me a {$1000.00} limit which was not anywhere near enough nor appropriate for my credit history. 

I had no intention of using the card after such ridiculous credit limit, and I have never used the card once let alone activated it. And when I log in to my account with the bank. Zero transactions are on the card yet the bank is trying to say I have {$60.00} in collections on the card that was never used. 

This card has never been used and is not even desired because the bank didnt give any credit limit that could be useful.

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 2023-10-04
Company: EQUIFAX, INC.
State: NM
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 non-monetary relief
Consumer complaint received 2023-09-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Requested General Purpose loan for {$45000.00} from XXXX XXXX XXXX in late XXXX. XXXX  transferred {$44000.00} to USAA on XXXX XXXX XXXX using ACH trace number XXXX ; however, loan proceeds went to the wrong account owned by another account holder at USAA due to a clerical error. Funds were sent to USAA account ending in XXXX ( unknown account owner ), rather than my account ending in XXXX ( owned by XXXX XXXX XXXX ), which matches the name on my XXXX  account where the transfer originated. 

I noticed the funds were sent to the wrong account o/a XXXX XX/XX/XXXX  and I called the XXXX, who completed a " stop payment and reissue. '' I followed-up with the XXXX  and USAA in several phone calls over the subsequent days, weeks, and months, and a summary of the outcome from those calls follows : Initially the XXXX  advised 7-14 days to process the stop payment and reissue. Shortly thereafter, it advised XXXX needed to conduct an investigation expected to take 60-90 days which began on XXXX. I followed-up with weekly phone calls to check on the status of the investigation, and the XXXX didn't have any updates through XXXX. I pressed for an actionable update after 90 days elapsed and XXXX advised on XXXX its investigation was complete and it would re-issue the funds within 5 business days. I called on XXXX to check on the transfer status and XXXX  advised it had not re-issued the funds and I needed to contact Dept. of Treasury for further action. 

I called Treasury on XXXX and spoke with Agent # XXXX who advised XXXX contacted them on XXXX and Treasury sent an inquiry to USAA, but had not received a response. I followed up with Treasury on XXXX and USAA still has not responded to Treasury 's inquiry regarding ACH Trace number XXXX. 

I have submitted three disputes with USAA regarding its failure to respond to Treasury inquiries ( USAA disputes on XXXX, XXXX, and XXXX ) without resolution. USAA refers back to the originating institution ( XXXX  ), but XXXX  has already forwarded the transaction reversal to Treasury and action remains unresolved with USAA. 

USAA is enabling a federal felony by not recovering funds erroneously deposited into account ending in XXXX so they may be re-issued to the proper account holder, XXXX XXXX, with account ending in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: Experian Information Solutions Inc.
State: TX
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 and Experian have not resolved my dispute issues. They are still reporting multiple inaccurate collections and accounts. XXXX has not added my current XXXX XXXX accounts that they removed inaccurately. I had 3 credit accounts with XXXX XXXX that XXXX removed on purpose to mess up my credit. I have called to rectify this issue and the agent was impossible to work with. He would not answer any of my questions and refused to assist me. This issue has still not been resolved. They removed accounts in good standing and left an account that was inaccurate from XXXX XXXX on my credit. They also left several accounts from XXXX XXXX  on my account that were inaccurate. Experian and XXXX are both reporting the number of collections and amounts inaccurately. Neither have done investigations to properly verify and validate the accuracy of these accounts. XXXX is the only credit report that is currently reporting accurately. They found these XXXX accounts to be inaccurate and have removed them from my reports. Experian and XXXX, please be advised that each inaccuracy will cost you up to {$1000.00} per inaccuracy. If this is not fixed immediately, I expect to hire counsel and collect on these amounts from the both of you. XXXX is accurate, Experian and XXXX are not reporting accurately and they are not conducting investigations of disputes properly, because if they were, these collections would have been removed like they were with XXXX, and XXXX would have never removed my three positive good standing accounts with 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 2023-09-21
Company: Zions Debt Holdings
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Zion Debt Holdings has been reporting me as owing a debt of approximately {$570.00} for XXXX home security. The agency claims that I owe them the money because I was a joint account holder with my mother, XXXX XXXX. This is not true. 

I informed Zion during a phone call in XXXX that my mother passed away in XXXX. They are apparently therefore trying to collect from me. This collection apparently references hime security account my mother entered into with XXXX around XXXX. She canceled the account in approximately XXXX because she sold the house ( XXXX XXXX XXXX, XXXX ). XXXX is apparently trying to collect some sort of fee for the cancellation, although they did not inform my mother at the time of cancellation that a fee would be issued. I was present when the alarm system was installed and signed off on behalf of my mother, because she lived out of state at the time. The technician who installed the system as well as the XXXX representative over the phone informed me that I was not signing as a co-account owner and was not responsible for payment. I never received bills from XXXX for that account which covered XXXX XXXX XXXX, XXXX, MD XXXX. 

XXXX did not start sending me notices until XXXX after it appeared on my credit report. I want the information removed from my credit report. I did file a dispute, however, it appears that a new credit debt collection agency has the account and has put it on my credit report again. I never agreed to be a co-account holder for my mother, and if the paperwork indicates that I was, then it was fraudulently obtained.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
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:
This is my 7th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Accounts XXXX XXXXXXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX : {$460.00}

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 explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I settled an account with XXXX XXXX. Paid {$3800.00} as a settlement to zero out my account based on my agreement with XXXX XXXX. Originally I owed the {$6400.00}. 
After I paid the settlement and XXXX XXXX reported the changes to credit bureaus I went to check Experian to see if the changes were maid. 
Under 'Status ' Experian still shows : StatusPaid in settlement. {$6400.00} written off. 
Written off amount is WRONG! I paid {$3800.00}. Written off amount must be {$2500.00}. 
I filed a dispute on their website and they closed it without adjusting written off amount. 

{$6400.00} was last final balance before the settlement {$3800.00} paid in full as a lump sum then the account balance was XXXX ' after I fulfilled the agreement That leaves XXXXwritten off ' balance of XXXX not {$6400.00}! 

I look at it as fraud on credit bureau site - since showing higher 'written off " balance tanks credit score!! Then they bombard you with non-stop emails asking to apply for new cards or whatever else available to raise your score. Reporting the proper writeen off balance will increase the score on it's own!! 
On XXXX XXXX- if they don't report settlement amount to credit bureaus and credit bureaus show last highest unpaid balance that's what XXXX writes off as bad debt on their end, otherwise, they MUST reflect settlement payment and change written off balance! That's a tax 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 explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: IN
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-30
Company: Experian Information Solutions Inc.
State: TX
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 was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX   Inquiries : XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2023-01-24
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:
I am reviewing my consumer credit file and noticed a fraudulent unverified account on there by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, reporting this fraudulent information is extortion. I demand you verify the credit transaction that was made with me and 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 to furnish this information on my credit file. Failure to verify that a Credit transaction was made between me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shall constitute fraud , extortion, blackmail to embezzle labor out of me the consumer which violates 42 U.S.C 1994. And constitute a violation of 15 USC 1692 ( j ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. Furthermore I believe you have 4 business days after receipt of this Notice to remove this fraudulent account from my consumer report, and cease and desist all communication through any mediums including credit reporting agencies after receipt of this notice as required by federal Law.

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: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I was notified by CapitalOne that my account had insufficient funds for a debit card transaction. I had never used the debit card for this account, so I was suspicious and logged in to the account to check the status. It appeared that someone had managed to drain nearly {$1000.00} from the account through fraudulent transactions. I believe this to be the result of CapitalOne 's negligence for 2 reasons : 1 ) The debit card associated with this account was in my possession, never used and never taken outside the house. The only way the card information could have been stolen is a security breach on their end. 2 ) I have never used this card, and then suddenly multiple large transactions are placed on the opposite side of the country from where I live. These charged never should have been approved. 

I shared this information with CapitalOne immediately and they opened an investigation. While the investigation was ongoing they credited a provisional credit for part of the dispute amount ( {$320.00} of {$920.00} ). On XX/XX/2023 I received an email from CapitalOne stating that they have closed the investigation, apparently in my favor, as they state : " Good news! We finished investigating your dispute ( s ). Any temporary credits we deposited in your account are now permanent, and your dispute has been resolved. '' However, they still have not returned the additional {$600.00} that I had deposited with them.

Company response to consumer: Closed with monetary relief