BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: IN
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:
These accounts are not mine please remove immediately! 
-XXXX XXXX {$730.00} Opened - XX/XX/XXXX -XXXX XXXX  XXXX XXXX {$5200.00} Opened - XX/XX/XXXX -XXXX XXXX  XXXX XXXX {$24000.00} Opened - XX/XX/XXXX I never lived at this address please delete immediately! 
XXXX XXXX XXXX XXXX XXXX, IL XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY!

Company response to consumer: In progress
Consumer complaint received 2021-05-23
Company: TD BANK US HOLDING COMPANY
State: AL
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 have been requesting, since XX/XX/2021, verification of these alleged debts that they keep reporting on my credit files. However, these companies - TD BANK USAXXXXTARGET CREDXXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX failed to investigate & obtain, as mandated by law, proof of such debts. Yet, the bureaus - XXXX, XXXX  and XXXX  have continued to report & sell erroneous information about me. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: ERC
State: OH
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: CITIBANK, N.A.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a priority checking account with Citibank on XX/XX/2021. Within a few days, I was then able to deposit {$500.00} in this account from the online portal. 

Within a few days, Citibank put a fraud block on the account. So that I was unable to access the account. 

When I called in ( XX/XX/2021 ) They advised that there are two methods to verify my identity. 

The first method was to send a message or call to a US based phone service. I let them know that I am an expat working overseas and would not be back in the US for quite some time. So this option was unavailable to me. Unfortunately, this information was not presented when I opened the account and I was unable to use the number I provided when opening the account, as it is a VOIP number. 

The second option was to receive a letter in the mail and follow the instructions to verify me identity. I asked Citibank to please send the letter ( on XX/XX/2021 ). I have family living at my US mailing address. I also have USPS informed delivery so I see everything that arrives and the letter never arrived. When I called back ( three weeks later ) and asked if they could resend the letter or verify my identity in another manner. They said " no '' and informed me that there was no way to access my account until I physical return to the United States and purchase a new phone service, even though it is their verification process that failed.

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 2022-12-21
Company: ALLY FINANCIAL INC.
State: PA
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
IRS defines a charge off as Gross or Ordinary Income. 
Income does not get reported on a consumer 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 explanation
Consumer complaint received 2021-03-16
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: Investigation took more than 30 days

Complaint:
I filed a dispute with Equifax on XXXX regarding a late payment for XXXX in XX/XX/2019. Equifax opened an investigation XXXX. The confirmation number is XXXX. The investigation was supposed to be completed XXXX. It has been 45 days since the investigation was opened and there is still no resolution. The investigation has not been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: EQUIFAX, INC.
State: NJ
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:
On XXXX XXXX Equifax, XXXX and XXXX responded to my complaint that I filed with the CFPB regarding Chapter XXXX bankruptcy that is on my consumer report each of the credit bureaus claimed that they verified this information with the Federal Courts, they never provided me with a name, address or person. It just states it was verified by courts. On XX/XX/XXXX I wrote to US Bankruptcy Court asking did they verify my information with credit buraus and they sent back the attached correspondence stating they do not verify records with credit reporting agencies. I also checked XXXX and XXXX  websites an it states they both verify bankruptcies with the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Conn's, 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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX  XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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/2023 ) 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 2022-02-28
Company: Continental Finance Company, LLC
State: MO
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 credit report reflects an account " Continental Finance '' in the amount of {$740.00}. I have ZERO idea who this is. I have, at no point ever, opened an account with this company. I disputed the item with XXXX and froze my credit and after hours of trying to get ahold of this company, talked to " XXXX '' who was to dispute this claim and report it as " fraud. '' I literally have no card, not a complete account number ( the one on the credit card is absent of the last XXXX numbers ). XXXX " investigated '' ( laugh laugh, cough cough ) and determined this was indeed my account. Strangely, this company has my mailing address as XXXX XXXX XXXX, XXXX, NY ( never been there, know absolutely nobody there, I reside in XXXX, MO ). Clearly, somebody isn't doing their job. Had real eyeballs been placed on this investigation, it would have been determined that I DO NOT OWN THIS ACCOUNT. This has been a nightmare. A literal nightmare. I'm exhausted. I have a child with a head injury and the time spent trying to fight this is unnecessary if people would do their jobs. At this VERY moment, I am on the phone with " XXXX '' from Continental Finance and she is emailing the statement of charges ( that aren't mine ). She's putting me through to the fraud department again, which won't matter. PLEASE HELP ME. PLEASE. Somebody with real, viable organs needs to investigate this. Not an electronic robot ... .by the way... .it 's XXXX getting through to this company without account 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 2023-05-18
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX XXXX XXXX XXXX XXXX, MI XXXX RE : XXXX XXXX. OF XXXX Nelnet Account Number XXXX XXXX XXXX ) Account Number : XXXX Account Balance : {$16000.00} This account has been compromised due to fraud since 2017. I was enrolled in a program with XXXX XXXX XXXX XXXX. This program collected monthly payments for months. Yet, none of the payments I made were ever applied to my federal student loans. Therefore, I am requesting that this fraudulent account be deleted immediately. I provided a screenshot with proof of communication with the alleged party. I made monthly payments of {$110.00} for almost a year. After all payments were successfully made, I stopped hearing from the alleged perpetrators. 

I want to inform you that this communication is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). I am NOT requesting a verification but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. 

Please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount?

3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired 6. A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 


Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
This account has been falsely verified as accurate by XXXX XXXX and JPMCB Auto after I submitted an dispute in XXXX, XXXX More specifically, I'm reference the fact that : 1.The Charged of month is incorrect. This account was charged off in XXXX not XXXX of XXXX as it shows on my credit report. 2.The payment history is incorrect. On XX/XX/XXXX, my reports shows a 60 day late, how is this accurate when I made a payment on XX/XX/XXXX, how can I jump to a 60 day late without being 30 days late the previous month??? Besides, I made a payment of XXXX on XX/XX/XXXX. In XX/XX/XXXX there a 30 day late reported, but the following month in XXXX shows a 90 day late, how can you go from 30 days the 90 days late in 2 months? These inaccuracies have been verified as accurate which violates the FCRA section 623. There was no reasonable investigation done as outline by the FCRA section 1681i to insure maximum accuracy 1681e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: EQUIFAX, INC.
State: CA
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: Personal information incorrect

Complaint:
I put a dispute in with Equifax regarding The suffix of my name Ive been in contact with them the last month trying to get it change I also let them know I was in the process of purchasing a home and that the loan company we need to get a copy of my credit report Ive been calling them for the last week every day and every time I talk to somebody I just get the run around ive sent in my drivers license a picture of me and a copy of my Social Security card I also let them know that I should be closing on my house by XX/XX/XXXX but without the loan company being able to get a copy of my credit report I might lose out on my house

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: MONEY SOURCE, INC., THE
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The Money Source is the mortgage lender my loan was sold to without my permission this happened in XX/XX/XXXX. Since then I make all my payments to ( TMS ) The Money Source. Well, twice I did modification on my home due to financial hardship. Instead of my mortgage payments going down they increased, but I still made my payments. Last summer I applied for an equity loan {$38000.00} it was through HUD well I was approved, but ( TMS ) kept the loan without my consent and they had to put it on my principal and escrow. ( TMS ) applied {$31000.00} to my principal loan, my beginning balance was {$170000.00} this should of made my ending balance {$140000.00}. Instead they are still showing my principal balance at {$170000.00}. In my escrow there was a beginning balance of XXXX after deposit of {$7900.00} from equity loan and disbursements of {$5900.00} there was an ending balance of {$180.00}. In XXXX XXXX I received a bill from ( TMS ) stating my escrow account had a shortage in the amount of {$630.00} and If paid before XX/XX/XXXX my monthly mortgage payments would remain the same. On XX/XX/XXXX I sent them a payment of {$1600.00} according to ( TMS ) website my escrow was {$440.00}, my mortgage payment with late fee was {$1100.00}. Well, after I made this payment ( TMS ) increased my mortgage to {$1200.00} I called ( TMS ) and confronted them their rep told me I still had a balance on my escrow of {$190.00}. ( TMS ) rep told me on XX/XX/XXXX they would look into my situation and I would hear from them but I did not. I have a suspicion ( TMS ) is stealing and padding my account I need an investigation done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX {$3300.00} XX/XX/2020 I DO NOT HAVE SS XXXX 15 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer 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