BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: LA
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 explanation
Consumer complaint received 2023-04-08
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: Information belongs to someone else

Complaint:
Dear Experian Dispute Department, I am writing to dispute a collection account on my credit report which is being reported by XXXX XXXX XXXX XXXX. The account in question has negatively impacted my credit score and financial wellbeing, and I believe it should be removed from my credit report. 

I have reviewed my credit report and found that XXXX XXXX, XXXX has reported a debt that is not valid or accurate. I have no knowledge or record of this debt and I believe that it has been reported in error. Furthermore, I have not received any notice or correspondence from XXXX XXXX, XXXX regarding this alleged debt. 

As an informed consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and I request that Experian conduct an investigation into this matter. Specifically, I request that Experian contact XXXX XXXX, XXXX and request verification of this debt, including documentation that supports the accuracy of the information being reported. 

Please note that as a consumer, I am entitled to see the source of the information that is being reported on my credit report. This includes the original contract that contains my signature. I request that this documentation be provided as part of the verification process. 

I also want to emphasize that a breakdown of charges is not considered verification of debt. I request that XXXX XXXX, XXXX provide proper validation of this debt, which includes a complete chain of title for the debt and proof that they are legally entitled to collect on it. 

According to the FCRA, 611 ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy of any information on their credit report, the credit reporting agency must conduct a reasonable investigation within 30 days and review all relevant information provided by the consumer. If the information can not be verified or is found to be inaccurate, the credit reporting agency must promptly delete or modify the information. 

Furthermore, according to FCRA 609 ( a ) ( 1 ), a consumer has the right to request and obtain all information about them that is being reported by a credit reporting agency. This includes the right to request the original contract and a complete chain of title for any debt that is being reported. 

Finally, I request that Experian delete this collection account from my credit report if XXXX XXXX XXXX XXXX is unable to provide verification of the debt within the 30-day period required by the FCRA. It is my belief that this account has been reported in error, and I respectfully request that XXXX take immediate action to correct this error. 

Thank you for your prompt attention to this matter.

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 2023-09-26
Company: Experian Information Solutions Inc.
State: MD
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: Investigation took more than 30 days

Complaint:
The CRAs did not get back to my request to send back ( within the allotted time ) how they verified the information on the credit report. On XX/XX/XXXX I sent in letters asking them to verify their methods or how they verified accounts and they never responded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am writing to file a formal complaint against Citibank related to a bonus XXXX XXXX miles offer that I received and enrolled in. The purpose of this complaint is to seek your assistance in resolving an issue concerning the fulfillment of this promotional offer, as detailed below. 

On XX/XX/2023, I received an email offer from Citibank, which stated that as a valued Cardmember with my Citi / XXXX XXXXXXXX card, I was eligible to receive bonus XXXX XXXX XXXX  miles for opening a new eligible checking account. The email clearly outlined the requirements to earn the bonus miles, with an expected posting time of 30 days after completing the required activities. 

I enrolled in the offer by following the instructions in the email and received a confirmation email on XX/XX/2023, acknowledging my enrollment. I successfully completed the required activities by depositing {$1000.00} in XXXX qualifying deposits and making XXXX qualifying pin-based purchases totaling {$1000.00} on XX/XX/2023, which should qualify me for the highest bonus of XXXX XXXX XXXX XXXX XXXX 

However, despite the email stating that the miles would post within 30 days, they have not been credited to my account as of today 's date. I contacted Citibank on XX/XX/2023, and was informed that I met the criteria of the promotion, however, the miles would take 90 days from the account open date to post, contrary to what was stated in the original email offer. 

I contacted Citibank again on XX/XX/2023, and was told that the promotion code XXXX was not associated with my account. I was requested to provide a copy of the promotion that was sent to me. I promptly faxed in the requested documentation. However, as of today, XX/XX/2023, I have been informed that it could take an additional 30 days for resolution, and there is no guarantee that the miles will be credited to my account. 

This situation has caused significant frustration and inconvenience. I believe Citibank 's actions are misleading and unfair, as the terms of the offer were clearly defined in the initial email communication. 

I kindly request that the CFPB investigate this matter to ensure Citibank fulfills its offer in accordance with the original terms and that customers are not subjected to inconsistent information and extended delays in receiving promised benefits. 

I appreciate your attention to this issue and look forward to a prompt resolution.

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 2021-03-16
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: Account information incorrect

Complaint:
I do not recall having any debt with XXXX other than the account I paid off the full balance, this is an incorrect account and should be deleted. I ask the company reporting to show my signature in any document that proves that the account stated belongs to me. If not provided accurate information related to the account, I request the immediate deletion of the referenced 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 explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I received a copy of my credit report and am writing & complaining to dispute the following information that appears on my transunion report. 
Please verify or remove immediately the following account : XXXX XXXX XXXX XXXXI dont recognize this lender and account.Please remove this inaccurate information from my credit report. 



By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days

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 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have reason to believe your company is violating federal law by knowingly furnishing false credit information on my consumer report. These accounts are in direct result of identity theft. I have on several attempts requested that the consumer reporting agencies provide verifiable proof to why these accounts have not been deleted. I am also a part of the XXXX XXXX which has caused a significant amount of damages to my consumer report. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

These accounts are now in process of litigation and are to be immediately removed from my reports, I have not been supplied any proof under the doctrine of estoppel by silence, Engelhardt v graves ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have also attached a letter Please consider this your final opportunity to cure before this becomes a litigation matter.

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX 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 XX/XX/2023 XXXX XX/XX/2023

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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have been diligent in making my monthly payments and find it unacceptable that a late payment has been recorded on my account. I can verify that I have never been late with this account, and therefore request that this late payment be 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 non-monetary relief
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I'm reaching out to remind you about the issue with my credit records. I had asked Experian to get rid of a recent fraudulent inquiry, and I just want to make sure it's going to be gone when I update my credit report in the next 15 days. Here is the inquiry : EXPERIAN : XXXX XX/XX/2023

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: NV
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:
An account was opened by XXXX XXXX using my information, but I have never had an account with XXXX XXXX. I believe this is identity theft. I found out my credit card information was taken along with my social security number in XXXX of 2022. The XXXX account was opened before that but I was unaware. I have also filed a report with identitytheft.gov, as well as the local police department.

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 2023-09-18
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XXXX Wrote/Sent check XXXX to Capital One Union Plus XXXX addressed Capital One Attn : Payment Processing XXXX XXXX XXXX XXXX, NC XXXX Ten business Days XX/XX/XXXX I contacted Capital One daily and no check arrived. Capital One remarkably stated over the phone I was one of five other calls regarding the same issue relating to check payments not arriving timely. 

I then contacted the US Postal reporting the above information regarding addressing mail sent to Capital One Attn : Payment Processing XXXX XXXX XXXX XXXX, NC XXXX. 

XXXX Payment Due. 

XXXX Confirmed by Signature time stamped dated by XXXX Bank no payment arrived or cleared before XXXX Confirmation XXXX- Capital One Representative. - XXXX XXXX XXXX I authorized an Electronic payment from XXXX Bank to Capital One to activate the use of Card. 

XXXX Before evening after XXXX Capital One Representative-XXXX stated check was received and dated XX/XX/XXXX. 

XXXX Transaction attempt denied XXXX XXXX. 

XXXX Call into Capital One-Representative XXXX stated XXXX payment of XXXX USD was the Check also confirmed by XXXX on the same Call attempt for resolution for the use of my card XXXX. 

XXXX XXXX bank offered the sequential numbers/data of payments cleared Electronic Payment and then Check payment. Attempted for the 3rd occasion card transaction within XXXX Bank and the card declined. Questioned XXXX which payment is considered the over payment XXXX stated the received US Postal Check Payment. 

XXXX Claim Sequential Data is Misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Another fraudulent inquiry hit my report today. XXXX XXXX XXXX XXXX. I am a victim of identity theft. This inquiry is a act of fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: TX
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:
n accordance with the fair credit reporting act 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 an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Hi! Barclays is offering a credit card through JetBlue. The promotion appears while attempting to book a ticket on the website. The offer is for points and a credit towards the flight if approved.

However, the credit is not towards the flight. It is for a theoretical purchase using the Barclays card within 90 days of receiving a mailed credit card, after the fact. There is no credit towards the flight one is trying to book in that moment.

I wish I had taken a screenshot of the offer, but I didnt. It very clearly indicates using the price of the ticket one is trying to book that if you get a new JetBlue Barclays card you get to apply a credit and get points.

I contacted JetBlue and they acted like nothing was wrong and I was missing the point.

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 2022-10-14
Company: WELLS FARGO & COMPANY
State: FL
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:
XXXX XXXX XXXX / XXXXXXXX XXXX XXXX Open XX/XX/XXXX {$450.00} was spent unauthorized, This account wasn't approved by me. Please remove and delete this account from my report. 
XXXX. XXXX XXXX / XXXX -Open XX/XX/XXXX {$860.00} unauthorized balance and incorrect. I Make on-Time payment there shouldn't be any open balance. Please remove and delete this negative remark. 
XXXX. XXXX XXXX  XXXX XXXX / XXXX XXXX XXXX - Open XX/XX/XXXX {$4600.00} This account was broken due to covid-19. my job was slow i was layed off so i couldn't keep up with my lease. I also was making on-time payments. I was never late. can you please remove and delete this negative remark. 
XXXX.Wells Fargo Bank  XXXX Open XX/XX/XXXX {$110.00} This account was unauthorized. This account was not authorized by me. This account is outdated this should not be on my report. 
5.DEPT OF EDXXXX XXXX Closed XX/XX/XXXX This is a duplicate account showing on my credit report not only that this account is 14 years old why is this on my report this is hindering my credit report. 
XXXX. XXXX XXXX XXXX XXXX  - Open XX/XX/XXXX {$0.00} This account was not open by me. I didn't authorize this account to be open. This is not my account or have rights to this false account. 
XXXX. XXXXXXXX XXXX  XX/XX/XXXX Unauthorized inquiry i didn't apply for anything. Misused. 
8.DEPT OF EDXXXX XXXX - Open XX/XX/XXXX {$17000.00} As you can see i have outstanding on time payment history my joy was laid off and i also was going through a disaster at the time. can you please remove the missed payment remark. I am more responsible to make on time payments and this is very important to me.

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 2022-09-15
Company: HOMESTAR FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I was told everything was in order I was due to close and thought I wanted to go with a different lender and decided to stick with my original lender HOMESTAR but when I contacted them about continuing the process they tell me they cant help me because I was going to switch lender at the last moment then they tell me closing is XXXX XXXX and when I try to contact them they ignore my calls my emails everything they approved everything all the way up to the closing date then they lie to me I feel like they discriminated against me because they thought I was not going to choose them for my mortgage I was treated unfairly and it cost me the purchase of my home

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation