BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: MI
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 accounts on my credit report that need to be looked into and removed from my credit profile. Please refer to attachments for further details on the issue on hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: CITIBANK, N.A.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I continue to receive daily harassing emails from Citibank. This is disturbing and really upsetting considering that I have a XXXX including exposure to 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 2023-03-22
Company: Experian Information Solutions Inc.
State: RI
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:
My XXXX XXXX account shows late. This account was never late I have sent countless letter to XXXX, XXXX, and Experian about it and have not heard one thing back. This is extremely urgent and it is holding back my score. Please update account to paid never late.

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 2023-04-08
Company: Experian Information Solutions Inc.
State: PA
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:
I am writing to file a complaint against the credit reporting agencies for their willful neglect to investigate the inaccurate items on my credit report. I have reason to believe that my credit report contains inaccurate and unauthorized information that has been placed on it without my written permission, violating my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

So these accounts XXXX shows inaccuracies XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Have all these violations with proof to prove my case and in know the scrutiny the Credit agencies are under for not following the law and I'm not afraid to take this as far as needed to have these items removed or I'm I'm left no choice to proceseed to legation!!

I have made multiple attempts to dispute these inaccuracies with the credit reporting age

ncies, but they have not taken any action to investigate or correct them. This is a clear violation of 15 USC 1681i, which requires credit reporting agencies to conduct a reasonable investigation of any disputed item on a credit report. Furthermore, I have reason to believe that my personal information was used without my writ
ten authorization, which is a violation of 15 USC 1681 section 604 A. As a consumer, I have the right to control who has access to my personal information and how it is used. The credit reporting agencies did not obtain my written permission before placing these items on my credit report, which is a clear violation of my consumer rights.
I believe that these actions fall under the term of identity theft as defined in 15 USC 1681c-2. My personal information was used without my permission, which constitutes unauthorized use of my information and is a violation of my consumer rights under 15 USC 1681q. These inaccuracies and violations need to be removed from my credit report immediately. 




I want to remind the credit reporting agencies that I am aware of my rights to sue any company that knowingly furnishes inaccurate information on my credit report, which can result in penalties of up to {$1000.00} per violation under 15 USC 1681n.

In conclusion, I urge the Consumer Financial Protection Bureau to investigate my complaint against the credit reporting agencies and hold them accountable for their willful neglect to investigate and correct the inaccurate items on my credit report. I request that the inaccurate items be removed immediately and that the credit reporting agencies take steps to prevent this from happening in the future.

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 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am victim of identity theft. There are accounts on my credit report that I did not authorize. I have attached the necessary documents to file a dispute. I also mailed in the same documents last month but I had no response.

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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS 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 items 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 items : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2100.00} 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 2023-04-08
Company: Experian Information Solutions Inc.
State: OH
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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX, Account name : XXXX XXXX XXXXE # XXXX, Account Name : XXXX XXXX XXXX  # XXXX, Account Name : XXXX XXXX XXXXE # XXXX, Account Name : 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 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 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 2023-05-14
Company: Experian Information Solutions Inc.
State: IL
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:
Experian once again has went over 60 days of their investigation. two investigation case number XXXX and XXXX both times it was not completed. my complaint date was XX/XX/2023 they responded XX/XX/2023 these accounts should be deleted XXXX XXXX XXXX acct XXXX, XXXX acct # XXXX, XXXX addresses

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 2023-02-17
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Please be advise I need Help Please I have tried numerous times to have remove the items listed bankruptcy items Delete/Removed with no action regarding Fraudulent Bankruptcy items. 

In 2016 I contacted Lawyer XXXX XXXX XXXX, Lawyer for the service. I paid her cash for services she never rendered. I never signed or received any document from XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX filed numerous fraudulent XXXX XXXX XXXX XXXX Bankruptcy without my Authorization. 

There have been claims file against XXXX XXXX XXXX as being unethical and she was suspended as a Lawyer. 
These Bankruptcies are impacting my Credit Score and my opportunity to buy a Home tremendously for the last 7 years and my ability to be approved for credit of any kind. 

I also contacted XXXX XXXX and received a response that ALL of the cases should be removed from my credit report. See enclosed. 
I have reported this to the Consumer Financial Protection Bureau via Complaint and this is also a violation of my rights under the FCRA. 
The US Bankruptcy Courts XXXX XXXX XXXX XXXX, NJ XXXX dose NOT report Bankruptcy to the credit bureaus or to anyone. 
XXXX XXXX XXXX XXXX was unauthorized and filed she numerous fraudulent XXXX XXXX XXXX XXXX  Bankruptcy without my Authorization. I will file with the XXXX XXXX XXXX shortly. Please note XXXX as Delete/Removed ALL of the items that are reference here and on my XXXX XXXX report attached. This was FRAUDULENT. HELP HELP PLEASE. I need to get approved for a home for my family to live in, I am single mother. 

XXXXXXXX XXXX XXXXXXXX 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 2023-07-27
Company: Aspen National Financial, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed a collections on my credit report in XXXX from XXXX XXXX XXXX that had been on my report for a while. I thought it was a medical collections so I attempted to call the agency. The gentleman I spoke with stated it was for a timeshare I purchased in XXXX or XXXX. I explained to him that I had not purchased a timeshare it was my husbands and I am just an added account holder. I even explained to him that we were not married until XXXX when he told me my signature was on some paperwork he had. He said we both are on the paperwork. I told him if this was true why isnt the debt also showing on my husbands report and only on mine. I explained that this debt is not in any other credit reporting agencies and it did not belong to me. I also called our timeshare who stated that my husband has maintenance fee that are past due but no account is closed. I tried to inform the collation agency that there was no account closed so nothing should be in collections. Since then they have increased the debt monthly and what was around XXXX for about 3 years with no movement have increased to XXXX. The gentleman did threaten to start increasing the debt when i called and said it will never stop increasing although i explained to him it was not my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: NAVY FEDERAL CREDIT UNION
State: MD
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:
Multiple transactions have been done on my account from XX/XX/XXXX to XX/XX/XXXX XXXX and I noticed it in XX/XX/XXXX when i was about to pay my car loan when i received a message of insufficient funds whereas i had just deposited a check in my account ( I usually deposit a check into my account every Friday or Saturday but stopped when I noticed this problem ) .The next day I informed my bank ( Navy Federal credit union ) by phone, I was given the a phone number of the fraud department. I called several times and i was asked if i know XXXX XXXX who had removed {$2000.00} ( XXXX XXXXXXXX XXXX ) and {$110.00} on XXXX  from my account. On this same XX/XX/XXXX, Someone added {$600.00} of credit card cash advance to my account.. 
Early XX/XX/XXXX, I went to the bank for the third time and asked for my account statement then realized that there were two loans ( {$4500.00} on XX/XX/XXXX at XXXX and {$2000.00} on XX/XX/XXXX at XXXX ) that were issued to my account without my knowledge. 
Also, after several attempt to know where this money was transferred, the bank gave me a document showing the account number where {$2100.00} were transferred to and I don't know the owner of this account. 
Facing this situation, I have been report to the credit Bureau and each time I deposit a check or money into my account, it is automatically taken .I have tried several times to resolve this problem with the bank but they keep on telling me about privacy .Please I need help in resolving problem with is negatively impacting my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reviewed my Experian credit report and I noticed several fraudulent accounts opened in my name without my consent. I am a victim of identity theft and I am requesting for Experian to block and remove these fraudulent accounts upon receiving my attached XXXX Police Report and FTC Identity Theft Report within four days. I did not benefits from any goods or services of these fraudulent accounts. I also included letter that I received my XXXX XXXX XXXX stating for this fraudulent account to be removed. I also never had any affiliation with XXXX XXXX XXXX XXXX. I never opened any type of checking or saving account with this institution. 

My rights have been violated and I am requesting for these fraudulent accounts to be blocked and removed under FCRA 605B within four days : 1. 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 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 2021-02-20
Company: LEXISNEXIS
State: FL
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:
XXXX . report from LexisNexis is reporting an accident that i was not held responsible for it. i did sue cause i was hurt cause a driver ran a red light now i applied to be an XXXX XXXX and they have denied me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: EQUIFAX, INC.
State: TN
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 DID NOT AUTHORIZE 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 disputed on XX/XX/XXXX with the bureaus regarding a late payment that is COMPLETELY inaccurate as well as a collection that no one has yet to verify or validate for me as being accurate, therefore I do not feel I am responsible for it! Since the bureaus didn't correspond with me about anything, I disputed again on XX/XX/XXXX and yet again, the bureaus have ignored my request, this is very negligent and not fair to me 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 explanation
Consumer complaint received 2023-01-04
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, while at home, I noticed two transactions on my Truist Banking App. The transactions were from XXXX. The transactions occurred on XXXX, but Truist told be I would have to wait until the transactions cleared, which occurred on XX/XX/XXXX. There were two transactions, One transaction for {$1600.00} and another for {$800.00}, for a total of {$2400.00}. The transactions occurred at a XXXX XXXX XXXX XXXX FL. On XX/XX/XXXX Truist credited my account in the amount of {$2400.00}, again in two transactions identical to the original. On XX/XX/XXXX I got a letter in the mail from the Fraud Dept of Truist stating that on XX/XX/XXXX, they would deduct the total amount back. I called and spoke with XXXX in the Fraud dept of Truist, who advised me to go back to the bank, and call her when i arrived, and she spoke with the banker. Some forms needed to be filled out. The banker filled out the forms, i signed them and was assured everything would be taken care of. The funds were taken from my account on XXXX On XXXX a police report was provided to XXXX at the XXXX XXXX XXXX. On XX/XX/XXXX i provided a formal letter, requested by the banker, detailing the transactions and that they were indeed fraudulent. Between XXXX and XXXX, I often frequented the bank to inquire about the dispute. I was told I had to wait. XXXX i contacted the fraud department again, and was told my claim would be resubmitted, as the first one was denied. On XX/XX/XXXX I called Truist Fraud Dept. and was told my claim was denied a second time, and that there was nothing else they could do for me. I called XXXX 's Corporate offices and was told that the transactions that occurred were done from an email address that I have never owned. The store # of the XXXX 's that the transactions occurred at was # XXXX in XXXX, FL. I was not in XXXX, FL when the transactions occurred.

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 2023-01-11
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:
In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late fo any reason.

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