BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2023 I paid my loan completely off and even prior to paying them I received notification from Experian that I was delinquent on my account which they said they did not submit any late payments on my account. On today which is XX/XX/XXXX, I received another notification from Experian XXXX finance has reported my balance increases and is late which caused my credit to fall from Good to Fair with a point deduction of XXXX points. this is the second time in 6 months that my credit dropped due to their practices. Additionally, I attempted to dispute this situation to Experian on multiple occasions However, Experian wouldn't allow me to dispute it saying that I have previously disputed this account and I am not allowed to dispute it again.

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 2023-07-21
Company: EQUIFAX, INC.
State: PA
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 request that you eliminate the erroneous late payment from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account number : 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 non-monetary relief
Consumer complaint received 2022-02-14
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: Account status incorrect

Complaint:
this account show 30 days late which is wrong 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 2023-12-14
Company: EQUIFAX, INC.
State: IN
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: Problem with personal statement of dispute

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX of XXXX An account was opened from XXXX XXXX under my name and something was purchased the account was never paid and it went to collections. When called XXXX  they referred me to XXXXXXXX XXXX where they did a search and classified it fraud. XXXX then sold the debt to a Debt collector where they reported to XXXX and other credit bureaus of my fraudulent account being in collections when they were supposed to remove it completely

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid 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:
On XX/XX/XXXX, XXXX fraudulent charges appeared on citi card. XXXX for {$190.00} from XXXX and XXXX for {$190.00} from XXXX XXXX XXXX. I immediately reported the charges as fraudulent. My card was closed and a new card number was issued to me. I recieved security credits for the fraudulent charges along with a new card in the mail within a reasonable amount of time. 

On XX/XX/XXXX, before I had even recieved my new card in the mail, XXXX of the same XXXX merchants was able to charge my card for an identical amount. The charge was {$190.00} from XXXX. 

I have reported this fraudulent charge to citi numerous times over the last couple of months. Each time I'm given a new explanation for why citi has failed to properly open a dispute into this fraudulent charge. 

Most recently, on XX/XX/XXXX, I spoke to a representative who said that her colleagues must have failed to open a dispute under the correct card number. I told her that I didn't think this was correct, but she refused to listen to me. She assured me that she knew what she was doing and that I would see the open investigation in my online " Dispute Center '' shortly. This, of course, was untrue. 

I have given up attempting to resolve this issue with citi because of the poor customer service I have received and my lack of faith that any of its representatives know how to resolve my problem.

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am a victim of identity theft please remove this fraud inquiry from 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 2023-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
I have been a long standing customer with Capital One ; I have always showed great diligence with paying my credit cards in timely manner. I have 4 payments showing late during XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019. I have written letters to the CEO of this company, as well as made several phone calls to this company in an effort to have these remove these items as it has not only tainted my credit report, prohibited my growth, financially, and has strongly effected my ability to gain membership with Capital One and other creditors as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am submiting this complaint because I have tried unsuccessfully for more than a year to get access to my Equifax online account. Every option to verify my identity through my government issued ID has failed, and no representative has been able to give me a straight answer, nor a solution. I need this situation rectified ASAP, so I can have access to my credit reports and scores from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions 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:
Regarding complaint number XXXX. 
Experian has not corrected the incorrect information on my credit report. Even though I have sent a copy of my driver license, social security card and utility bill for my correct address. I am sending another notice to Experian dated XXXX XXXX XXXX. It reflects my correct name, address and social security number. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. Fair Credit Reporting Act 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Currently on my report my name is misspelled, and my address is incorrect. I have two social security numbers listed.

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: Experian Information Solutions Inc.
State: FL
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:
Since last XX/XX/2023, I have tried to solve a problem with an account called XXXX, which unfortunately the experian company has repeatedly completely abused the information it must present as a credit agency. 

On repeated occasions I have requested that the information they are sharing in my credit report regarding this account is inaccurate, so I have demanded that this information be modified, and deleted from my credit report. but I have not had any satisfactory response from them. 

I have made this dispute more than 5 times demanding the same information, and the experian company only sends a report to before 30 days explaining that the information is verified and confirmed and as it can be shown in the attached documents this information is not accurate and corrected so I ask that some action already a little more severe be taken regarding this company. 

I have too many disputes trying to solve this problem with my account, demanding that the experian company please verify the disputed information and do not share information saying that the information was verified and authenticated when reviewing the attached documents you can see the inaccurate or incomplete 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 2023-10-17
Company: Experian Information Solutions Inc.
State: TX
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:
Hi there. I checked my FICO score through my bank, XXXX XXXX. Upon reviewing the details of my score, I found that a XXXX XXXX XXXX with a credit limit of {$500.00} was on my account as an authorized user. However, I have no knowledge of this account, nor have I used the credit and made payments on it. Check the details of my bank account and you will see I have never made a payment to this card. I have never done business with any other bank besides XXXX XXXX. I have disputed this with Experian but resulted in correct information. However, this is incorrect because I do not have any information on this card or was aware of it in the first place. I have contacted XXXX to find information on this account but because I do not have an ounce of information, I can not find out who put me as their authorized user. I only have one credit card in possession and that is my XXXX XXXX credit card, thats 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 explanation
Consumer complaint received 2023-04-11
Company: The Best Service Co.,Inc
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original creditor told me to contact executive staff at that Bank. I am unable to call or receive phone calls. I have emailed and received email from the original creditor. However, at no time has the original creditor addressed the account and now the false reporting of a debt owed. MY XXXX ' rights have been ignored and violated. ( Before during and after all action no executive staff of the original creditor has meet with me and/or replied in kind via email. ) Only action by the Original Creditor has been requested to call knowing I can not use a phone in direct violation of America with XXXX Rights. HIPPA law and other NM State laws require alternative forms of communication be made available, this has not been the case with XXXX XXXX XXXX XXXX. -the account now reported in my name is false. Collection by The Best Service Company now reports a debt that began in XX/XX/XXXX with an amount owed as {$7500.00} past due as of XXXX XXXX. At no time have I been provided any documentation and/or contacted about this past due amount owed. I was not notified about this debt in XX/XX/XXXX. I have NOT received any documentation and/or justification for this reported debt as of this complaint XX/XX/XXXX. I have not been Affected by natural or declared disaster. I receive no notifications about this ever-increasing debt. XXXX and the XXXX XXXX XXXX XXXX have refused to address and/or provide me with explanations for this continued reporting of this ever-increasing debt AND The Best Service Company keeps inflating the amount of the debt owed without notification or justification. I am only aware of this false reporting by alerts from credit monitoring company.

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 2023-09-20
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-02-14
Company: CAPITAL RESOURCE MANAGEMENT, INC.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is to Capital Resource Management ( CRM ) Address- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX. 
Amount of debt : Date of service : Provider of service To whom it May Concern, I received a bill from you on or about XX/XX/XXXX and as allowable under the fair debt collections practice Act, I am requesting validation of the alleged debt. I am aware that there is a debt from ( name of doctor, hospital, clinic, nurse, emts, fire department, police ) but I am unaware of the amount due and your bill does not include a detailed breakdown of any fees. 
Furthermore, I'm allowed under the HIPAA law ( Health and Insurance portability and Accountability Act of 1966 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I understand that HIPAA does allow for limited information about me but any detail may only be revealed with the patient 's authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization. 
Please provide a breakdown of fees including any and collection costs and medical. 
Please provide a copy of my signature with the provider of service to release my medical information to you. 
Immediately cease any credit bureau reporting until debt has been validated by me. 
Please send this information to my address listed above and accept this letter as allowed under the FDCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my 2nd written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 
Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the fair credit reporting act, which can allow me to seek damages from a collection agent. 
I await your reply with the above requested proof. Upon receiving it. I will correspond back with you by certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please see the attached documents to understand what had happened.

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 2021-07-07
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I closed my secured Citi card ( # XXXX ) and was advised that it would take three weeks for the refund to process back to my account, after which I would receive a paper check. I called in last week on XXXX and was informed that this was the date ( XXXX ) that i would receive the money back.

However, I called in today and was informed by another rep that it would take upwards of 2 business cycles and 60 days to receive the funds back, despite assurances from a previous rep and supervisor that I would receive it on XX/XX/XXXX. Now I am concerned that my funds are being fraudulently withheld by Citi Bank.

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 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Shortly after filing a dispute on my credit report with TransUnion ( https : //service.transunion.com ), my account access was suspended. 

The suspension was supposedly temporarily. However, it has been almost three weeks and each I log into my account, it flashes my dashboard but then routes another screen which tells my account is suspended. It then provides a phone number to call for Website Access Support, ( XXXX ) XXXX. 

When I call the number, however, after it going through a few automated voice prompts, it tells me to hold for an agent. Then within 2 seconds the call hangs up. 

I have tried to call at least a half dozen times, and nothing works to get through to a human being. 

These people are ruining my credit and don't want to fix 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 2019-03-23
Company: EQUIFAX, INC.
State: SC
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:
A company XXXX XXXX Account Info ) is reporting MY bankruptcy despite the fact they can not do it and verify it with my COMPLETE SS #. 

It needs to be deleted or they have to explain they HAVE my COMPLETE SS # and the Ss # they have actually is mine ( which it can not be ). 

They are supposed to verify this with the source ( not a computer screen ). They said they did yet the bankruptcy court responded to my letter and stated the court DID NOT confirm my complete SS # ( rephrase ).

Company response to consumer: Closed with explanation