BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
According to the Fair Credit Reporting Act 15 U.S. Code 1681, a consumer reporting agency must maintain accurate reporting. Reinvestigate the account in question, see attached form 1099-C as verification that the debt has been canceled and is no longer enforceable. According to the IRS, form 1099-C is used to report canceled debt, which is generally considered taxable income. Therefore, late payments shall not be reported. 

Immediately remove all late payments from my consumer report, and adjust account # XXXX to reflect the true and correct statement of account. Failure to comply with instructions within 5 days, shall result in a {$1000.00} responsibility per violation. Provide me with a copy of my new consumer report. Thank you for your time and 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 non-monetary relief
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I did not authorize or sign for any of these inquiries and By the provisions of the Fair Credit Reporting Act, I demand that these items 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.1681 ( a ), ( c ) 2 you must also complete this reinvestigation within 15 days of receipt of this letter.

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 2022-10-03
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2021-05-05
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX, I fell behind on my payments due to a sick parent that I was taking care of. As I was getting back on my financial feet in XXXX, the global pandemic hit. In late XX/XX/XXXX, I received an envelope from Department Stores National Bank ( " DSNB '' ) which contained an IRS Tax Form 1099-C : Cancellation of Debt. The document was dated XX/XX/XXXX and the amount discharged was {$1900.00} ( document is attached ). I was surprised by this document so I contacted the company and I was informed that the debt was discharged but did I want to pay the debt off. I asked how does that work since now I am obligated to report the sum above to the IRS? Isn't it like I am being penalized twice? I was told that I could pay the debt and then make an amendment on a filed IRS XXXX. Recovering from the pandemic, that seemed a bit lengthy since I was also worried about how these matters would affect my credit score. So I declined to continue the conversation so I could study the financial consequences of the situation. I noticed on my XXXX  that XXXX states I owe " DSNB '' {$2100.00}, so I reached out to Transunion for a clarification. 

On XX/XX/XXXX, I received notice from XXXX that my credit score with XXXX  fell by XXXX points due to a report from Macy 's ( also attached to this email ). Today, XX/XX/XXXX, I received a notice from XXXX that my credit score with XXXX  has dropped XXXX points. At this rate, I am expecting the same outcome at XXXX. 

This seems like a highly punitive action in a time when most Americans are getting back on their feet. My understanding is that Macy 's currently has the benefit of written-off debt, I have to pay tax on the debt as income and my credit score still got penalized. I just want to understand the whole situation so I can best address it. Can I understand if this is standard financial services practice and how best I can resolve this matter since Macy 's already filed the 1099-C for XXXX? Thank you for any help and assistance. Greatly appreciated.

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 2023-10-04
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:
My name is XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: Navient Solutions, LLC.
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:
XXXX XX/XX/2020 I contacted experian, XXXX, and equinox about fraudulent loans being furnished on my credit report. After sending a police report, FTC fraud report, equinox deleted the inaccurate information but experian and transunion denied to fix the issue on several occasions after sending affidavits, police reports, fraud reports, court rulings, and phone calls. XXXX XXXX XXXX XXXX XXXX XXXX had lost a case for fraudulent loans. 

According to documents, all fraudulent loans were to be cancelled and cleared from reporting. That has not happened. 

This has caused adverse harm in seeking housing, and solid transportation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Selene Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Selene finance is charging me lawyer fee due to fraudulent actions to put me in foreclosure and inspection of my home. Number 1 the bank agreed to do a modification with me. I have proof they sent me a email of the modification. Number XXXX I have proof they were pulling money out of my account, I sent checks to them and if they say they record all phone call it shows Ive been in contact with XXXX the entire time. Here are the sequences of events ; XXXX allowed me to go on a trial modification payment started ; XXXX XXXX of XXXX XXXX ( paid but the bank never pulled the money out. ) I called myself and made a payment for XXXX payment ( XX/XX/XXXX of XXXX and called back XX/XX/XXXX XXXX ) this was an error from them which I notified them and told them who I spoke too. 

XX/XX/XXXX I made a payment for XXXX, XXXX This should have covered me till XXXX. 

XXXX I was told after the fact in XXXX I needed to pay a difference of {$57.00}. 

XX/XX/XXXX I sent the modification application with another check Modification was not approved due to XXXX signature. 

I sent another modification which was emailed to me via email and sent it XX/XX/XXXX and XXXX. This is because both my partners and I were out of town. XXXX told me this was fine as long as I send it before XXXX. 

Bank told me I have XXXX in my suspense account but will not use it. 

I asked the bank can I pay for the month of XXXX they said no. You covered till XXXX that was lie. Then I was told before the can approve my loan I have to send XXXX to get the modification approved to move forward. 

I paid the XXXX XXXX sent be check from TD. Then I was told they are still waiting for a response XXXX cant make my monthly payment. After countless phone calls from me I found a representative to help me get XXXX to finally realize that payments were sent and a modification was sent as XXXX requested. Due to this Rep Im now able to make my payment and XXXX noticed I sent and sign the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act, the following accounts that on my credit report are a violation of my rights : XXXX XXXX XXXXXXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to experian ) XXXX, Acct # XXXX ( reporting to XXXX ) XXXX, Acct # XXXX  ( reporting to XXXX ) XXXX, Acct # XXXX ( reporting to experian ) XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to experian ) XXXX XXXX XXXX, Acct # XXXX ( reporting to experian ) XXXX XXXX XXXX, Acct # XXXX  ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX  ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX  ( reporting to experian ) 15 U.S.C 1681 section 602 A. States I have the right to privacy and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish a account without my written instructions. I am requesting that these accounts be removed from my reports.

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 2023-06-23
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: Information belongs to someone else

Complaint:
I have fraudulent accounts on my credit report, which I reported to XXXX XXXX XXXXXXXX XXXX and U.S. Department of Education yet they are not removing this fraudulent account. XXXX XXXX, XXXXXXXX XXXX and U.S. Department of Education have no right to refuse to remove this fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX XXXX XXXX and U.S. Department of Education have refused to do this. The followings are the fraudulent accounts : XXXX XXXXXXXX / XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, U.S. Department of EducationXXXX XXXX XXXX Date opened XX/XX/2020 Balance {$780.00} and U.S. Department of EducationXXXX XXXX Date opened XX/XX/2020 Balance {$460.00} that were opened at an address where I have never lived at and it has nothing to do with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
American Express has the most XXXX supervisors who seems.like just passed out from grade XXXX in school,, they can't follow up anything and blatantly lie on the phone. And their talented executive office just provides a one liner to the customer " we are sorry for what happened ''. 

On XXXX morning, I spoke with a supervisor named XXXX who couldn't follow up with my inquiry, he had no clue what to answer how to answer, and he is a supervisor. What is he exactly supervising? His own XXXX? I asked for his manager and he scheduled the call for the same day after XXXX LA time. 

I call again on XXXX and operator says the executive office will call me on XXXX during business hours. I am not going to cancel all my work just to speak to a manager from Amex. Amex can not keep up to their phone appointments with customers, that's quite obvious by now and top of that provide fake misleading phone appointments like XXXX. 

On XXXX I again spoke with a thick accented supervisor who could not follow the transcation list one by one when I was going with him all the transactions. I have more important things to do in life and can't spend hours and hours on the phone with XXXX XXXX supervisors from Amex. 

There is an issue with my recent transaction list and I can't seem to talk to anybody about it in Amex because your supervisors are all XXXX who can't follow up nothing. 

Your job does not finish by using the word sorry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 XXXX XXXX XXXX, this creditor has violated my rights. Under 15usc1681 section 602 states that I have the right to privacy. 15 usc1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under an open consumer plan as later for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-05-18
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX  account # XXXX, XXXX account # 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 168b A Creditor May not treat a payment on a credit card account under open end consumer credit plan as late for any reason

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act, the following accounts that on my credit report are a violation of my rights : XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to transunion ) XXXX XXXX XXXX Acct # XXXX ( reporting to XXXX ) XXXX, Acct # XXXX ( reporting to XXXX ) XXXX, Acct # XXXX  ( reporting to transunion ) XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to transunion ) XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to transunion ) XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX  ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX  ( reporting to transunion ) XXXX XXXX XXXX, Acct # XXXX  ( reporting to XXXX ) 15 U.S.C 1681 section 602 A. States I have the right to privacy and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish a account without my written instructions. I am requesting that these accounts be removed from my reports.

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 2022-08-10
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act 15 USC, the company below has used my credit report illegally for collection which is not my account and damaged my credit score. This account appeared on Experian credit report as of XX/XX/22 in the amount of XXXX XXXX XXXX account # 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 2023-05-18
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Fraud inquiries 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 2023-07-15
Company: EQUIFAX, INC.
State: AR
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: Their investigation did not fix an error on your report

Complaint:
This is my second request to file a CFPB complaint. The current status should not be showing late because I paid it on time. The Credit Reporting Agencies lacks proper record keeping. The account is open and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Equifax and XXXX Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise correct this account immediately : XXXX XXXX XXXX XXXX Opened XXXX XXXX, 2019 Balance {$7200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Identity theft on my credit report I would like the items removed. It is unlawful to report any fraudulent information on my credit report, thank you.

Company response to consumer: Closed with explanation