BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: NY
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 numerous attempt to inform you that I am a victim of identity theft and that I am complaining about certain entries in my documents that have arisen as a result of the crime. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX  has me owing {$1800.00} and its closed and this is not accurate I have not made these charges and it needs to be removed from my credit report. I have tried to dispute thus numerous amounts of times but they send me messages saying that is is accurate. Please get it removed off my report cause its not fair that Im being charged and accused of something false that I did not do

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 2023-12-18
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
This is a second complaint to the previous CFPB Complaint I filed on XX/XX/ ( Complaint XXXX ), stemming from issues going back to XX/XX/2023. I previously reported that I was the victim of fraud, where someone had stolen my physical credit card, and left a very obvious trail of fraud charges on XXXX XXXX, a service I have never, ever used as a adult ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The thief that stole my card left a very obvious paper trail : its linked to their XXXX account, and added the card to their XXXX XXXX XXXX, which should give Citi more than enough information to determine who the thief is and what their contact information is. However, Citi has done NOTHING. 

To the contrary, Citi by its own omission in the response to my previous complaint, cant figure out how to report this issue as fraud without sending me a new card, which I cant receive, because I am traveling. So instead of addressing the issue, they sent a form letter to my previous complaint, and have let the issue linger, and now have the AUDACITY to report that my account is past due, putting a giant blemish on my perfect credit. Instead, they have completely locked me out of my account, so I am unable to even pay the fraudulent charges to avoid late charges. I am blocked from accessing my account online AT ALL and the CSRs that answer the phone will not assist me. 

I want this issue that has been going on for MONTHS resolved, the information regarding the fraudulent charges reported to the appropriate authorities, and all negative credit reporting removed IMMEDIATELY. It is astonishing that a company of this size is allowed to get away with this type of treatment of its customers. They clearly do not take the oversight of the CPFB seriously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-18
Company: CITIBANK, N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I am a personal injury attorney in New York with a Law office at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I spend part of the year at my home in XXXX XXXXXXXX XXXX  but all my banking and business dealings are in XXXX XXXX Starting on XXXX XXXX XXXX I started receiving calls and messages as to whether I was making wire transfers. I emphatically said No. The calls and messages were from Citibank. It turns out that my 4 Citibank bank accounts had been hacked and compromised in a very sophisticated scheme. Over the next 3 days these fraudsters wired out over {$650000.00} from all my accounts including my attorney escrow account where I was holding about {$320000.00} of clients money. This was done despite me telling the Citibank rep that I was locked out of my account and had not authorized any bank transfers. It turns out that the regular Citibank customer service number had been spoofed and the calls were diverted to the hackers. After the initial notice of wire transfers that I said were fraudulent, I got no further messages, or texts. Moreover, a Citibank Letter Dated XX/XX/2023 was sent to me indicating that due to " suspicious activity '' they were shutting down the app and access to my accounts ( which I did not have anyway since the fraudsters changed my password and I had no access to the accounts ). To my utter amazement, when I got a print-out of the wire transfers about 12 transfers were sent out from my accounts on XX/XX/XXXX at a time when the accounts were supposed to frozen or blocked. At no time did I ever make any wire transfers or approve any transfers. Every one was a fraud and Citibank made no attempt to stop when it was clearly fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of XXXX I was contacted by a fake debt collector by the name of " XXXX XXXX '' within National Credit Systems. 

As a result, a fraudulent debt of {$6500.00} was put on my credit file related to " renting an apartment '' with no link to my home address history. 

I have disputed this fake collection to XXXX XXXX XXXX multiples times now on the CFPB. 

The credit reporting agencies are refusing to investigate & remove the fraudulent collection saying to " please contact the creditor '', being national credit systems. 

I have attempted to file a police report of this situation related to identity theft however it was not approved as this information is taking place online and not within my department " local jurisdiction ''. 

I have emailed national credit systems to remove the fraudulent debt with no response since XX/XX/XXXX. 

Today us XX/XX/XXXX and I do not feel Safe contacting national credit systems and need the CFPB government agency to order them to delete the collection from all platforms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address : XXXX XXXX XXXX Please update my name : XXXX XXXX My only social security number is XXXX My only correct date of birth is : XX/XX/1967 My only employer : State of Michigan I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely,

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 2023-11-15
Company: Experian Information Solutions Inc.
State: CA
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: Was not notified of investigation status or results

Complaint:
In accordance with the Fair Credit Reporting act. The XXXX Account of below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. It is reporting that I am 30 days late on my account but in fact i was never informed that my payment was reversed because there system failed to update my new banking payment method. I spoke to the credit department and they said they would fix it and it has now been 2 months with no correction. When i call I am told they will go through phone records to confirm but never get any type of confirmations nor do i talk to anyone who remembers my calling even though there are phone records of me calling multiple times. I am a good customer that pays high interest and still stays with the company. This is effecting me from purchasing a home and i need help to get this off already, it is ruining my life. 

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 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: In progress
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
State: NY
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 need someone that can help me, I am deeply upset about all these erroneous items that are reporting incorrectly on my credit report. These accounts are unverifiable, invalidated, inaccurate, & FCRA violations, I demand to see verifiable proof ( an original consumer contract with signature on it ) If everything is not reporting 100 % accurately it must be removed. These inaccurate items on my report are causing me distress, I can not get a vehicle or apartment for me and my kids. It is my understanding that you will do an investigation immediately & you will send me a new credit report that reflects the updated changes. According to law, unverifiable inaccurate accounts must be removed and if you are unable to provide me a copy of the verifiable proof in 15 days after your investigation you must remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: CA
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 this creditor has violated my rights, under 15usc1681 section 602 states I have the right to privacy 15usc1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15usc1666b a creditor may not treat a payment on a credit card account under open consumer credit plan as late for any purpose

Company response to consumer: In progress
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: VA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

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 2023-11-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I noticed on my credit report many accounts and credit inquiries that aren't mine and that i didn't 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

Company response to consumer: In progress
Consumer complaint received 2023-11-15
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: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: In progress
Consumer complaint received 2018-07-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
For the last four years Ive been disputing an account by XXXX on my credit report- around the time my identity was taken and I was XXXX in the hospital, this loan for a car was taken out with my name on it, by my roommate whom I know is the one who stole my information and her car dealer friend used my social and credentials - this is taking a toll on me and my family - given the fact that Im already XXXX and things are already hard, I cant get a house because i have this car on my credit, when I dont even drive! Nor have I ever seen this car. Please help me Im at my wits end : it was removed and then put back on my report and I dont know why when this account was fraudulent - I even sent them a police report from when my wallet and important documents went missing from my home - I have disputed this multiply times and the company is harassing me about this account and saying Ill be arrested and they can freeze my bank accounts, I only have XXXX! I cant even afford my rent, let alone a car - that isnt mine! My name is XXXX XXXX, Im going to have a XXXX XXXX XXXX, Im XXXX  and XXXX  XXXX and I cant take this anymore Nd need to move on with my life - I cant even buy a house for my family or get a loan bc of this ignorant person taking my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Can not get report and experian has information listed wrong. I need to be able to monitor my report i also can't put a freeze on. My information was stolen in 4 data breaches, two over the past 2 days. I need to be able to freeze my account and monitor it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My father passed away on XX/XX/XXXX. Acting in good faith, I immediately notified USAA that he had died, that I was taking over as his executor, and that I wanted to take over payments on the car. USAA said that someone would contact me shortly but never did. USAA immediately sold the note to a debt collector who immediately initiated repossession without ever contacting me. I spoke to USAA and explained that this was a mistake. They acknowledged that this was a mistake and requested the debt collector transfer the note back to them so I could continue making payments. I was allowed to make one payment and brought the loan current. When I called the following month to make the next payment, I was informed that they had once again sold the loan to a debt collector and found that repossession proceedings had been initiated. I called USAA today to discuss this further and was told that there was nothing they could do to help me and that I needed to talk to the repossession company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: LEXISNEXIS
State: MI
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 file a formal complaint against Lexis Nexis for apparent violations of the Fair Credit Reporting Act ( FCRA ), specifically under the provisions outlined in 15 U.S. Code 1681s2 ( a ). The details of my dispute and the events leading to this complaint are as follows : On XX/XX/2023, I submitted a " Dispute and Request for Verification of Bankruptcy XXXX under FCRA XXXX ( a ) ( XXXX ) '' letter to Lexis Nexis. This letter was accompanied by my valid ID and current utility bill. The correspondence was sent via certified mail, and the United States XXXX XXXX verified its receipt on XX/XX/2023, with tracking number XXXX. 

Despite the certified mail confirmation, Lexis Nexis claims to have reached out to me via email on XX/XX/2023. To my knowledge, no such email was received, and considering that all necessary documents were sent on XX/XX/2023, there should have been no need for additional verification of my identity. 

It appears that Lexis Nexis is reluctant to provide the information I requested regarding the verification of the alleged bankruptcy, specifically, the details of whom they verified the bankruptcy with at the US Bankruptcy Court. 

In a letter dated XX/XX/2023, Lexis Nexis informed me that I could access my Lexis Nexis consumer report. However, upon attempting to do so and entering the provided PIN, I encountered technical difficulties as the PIN did not work. 

As of today, XX/XX/2023, a second letter " Dispute and Request for Verification of Bankruptcy Information under FCRA XXXX ( a ) ( XXXX ) '' is being sent via XXXX XXXX Mail with Tracking ID # XXXX. Enclosed are my valid ID and XXXX XXXX XXXX. I am also requesting the unverified information to be deleted immediately. 

I believe there may be a violation of the provisions outlined in 15 U.S. Code 1681s2 ( a ) of the FCRA by failing to respond adequately to my dispute, requesting unnecessary verification, and providing inaccurate or inaccessible consumer report information. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Lexis Nexis for potential violations of my rights under the FCRA, specifically under 15 U.S. Code 1681s2 ( a ). If necessary, I am prepared to pursue legal action to rectify these violations. 

Enclosed with this letter, please find a copy of the original dispute letter, certified mail receipt, tracking information, the letter from Lexis Nexis dated XX/XX/2023, and the second dispute letter with its corresponding certified mail receipt and tracking information. 

Thank you for your attention to this matter. I look forward to a prompt and thorough investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation