BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
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:
The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX  Inquired on XX/XX/2021, XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX  Inquired on XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-21
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 HAVE ASK FOR PROF FROM XXXX THAT THESE CHARGES WERE MADE BY ME THEY HAVE YET TO SEND ME PROF OF ANY PURCHASE MADE IF THEY CANT SEND PROF I WANT IT REMOVED FROM MY CREDIT REPORT BY LAW THEY MUST SEND PROF

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 2022-08-10
Company: Experian Information Solutions Inc.
State: OK
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 want to place complaint about Experian credit services I have been a victim of identity theft several times even according to there own monitoring services my information is all over the dark web and I have been involved in numerous major data breach instances. XXXX, XXXX XXXX, XXXX just to name a few around XXXX of XXXX I realized I have been targeted again I had been XXXX  for a few years and did not realize till my release when I started to get collection notices that's when I ordered my report from Experian and realized there has been over 10 accounts and numerous credit cards, loans and even unemployment identity theft. I went to to the XXXX XXXX XXXX and they sent a unit out to my house to make a report I had listed all the accounts that we're currently listed on my report Experian was quick to respond to the identity theft report and blocked a majority of the accounts however there are 5 accounts that are still being reported by Experian that were individually listed my name and account number in the police report that I had sent to them via certified receipt U. S postal service the following accounts were listed in my signed dates police report that I submitted to them in XXXX XXXX XXXX XXXX opened in XXXX {$1400.00} XXXXXXXX XXXX opened in XXXX XXXX XXXX opened XXXX {$130.00} XXXXXXXX XXXX XXXXXXXX XXXX opened XXXX {$500.00} XXXX loan opened XXXX  {$1200.00} These came back as verified there is no way that those are my accounts I had also included and verified in the police report by the officer that took the report a letter on prison letterhead written by a prison staff and sign ed and dated letter concerning that I was in the XXXX XXXX XXXX XXXX at the time the accounts were opened. Further more those accounts came back verified and it wasn't till XXXX XXXX just a few months ago Experian had the wrong last 4 reporting for me not that it had my social and another similar it was completely wrong till I disputed in 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 2019-03-18
Company: CITIBANK, N.A.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To whom it may concern, Can I please get a refund for all the effort in correcting a derogatory creditor on my credit score and corrected information that was paid years ago. I've contacted the Citi Bank directly and all I got was the wrong number, they wouldn't give me the proper billing address, they wouldn't send credit card in a timely fashion and won't allow me to access the prompts when first calling. I called my financial worker on the following dates XXXX-19 and XXXX-19. Not much interest there either.Sincerely yours, XXXX XXXX XXXX.Thanks.

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 2019-01-21
Company: Seterus, Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The attached documents were sent certified XX/XX/XXXX and shows as being received. They send a letter in return but NEVER do they tell me what month in XX/XX/2018 was delinquent. This account was Discharged XX/XX/2018. It was proved to discharge that XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 were paid. 

Then I received the other attached document threatening me to pay {$2000.00} by XX/XX/2018. 
I paid XX/XX/2018 mortgage {$1100.00} I paid XX/XX/2018 mortgage {$1100.00} I paid XX/XX/2018 mortgage {$1100.00} ( XX/XX/2018 ) I then paid {$2000.00} ( under the reservation of rights law - XX/XX/2018 ) I paid XX/XX/2018 mortgage {$1100.00} So what month is the {$2000.00} for? Not to mention the amount is well above the amount of my mortgage! My bank statements stand proof of this and have been sent to Seterus , Inc . They will NOT answer the question! They blame my lawyer who discharged the bankruptcy, but NO motion of cure was needed since it discharged as all months were proved paid! 
So again, WHAT month is Delinquent? I want the month in XX/XX/2018 that was delinquent as per their letter reads when they threatened to accelerate the loan! 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: EQUIFAX, 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've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have 3 XXXX XXXX credit cards since XXXX excellent payment history. One of the suppose to have no pre- set spending limit in exchange for a {$500.00} year annual fee. But that was not the. Case for 7 years American Express DID assign preset spending {$4000.00} which they never set to the preset spending limit as promised. Still I continue to pay the annual fee for 7 years along with {$100.00} each for other 2 separate cards. I kept complaining when are they going to do what is promise in the contract of no preset spending limit. America express just gave me excuses. 
FINALLY enough is enough. I made a payment. On XX/XX/XXXXon all two cards and The agent told me no payment is required on the platinum card. Days later the shut down all three cars because they said I did not make a payment on the platinum card. I explained I was told not to make payment on the platinum card by your agent and why did you shut down all there cards when two was current. I demand an investigation and I also demanded a full refund of the {$500.00}. Yearly fee for full duration that they did not give me the NO PRESET spending limit. Fort 7 years. The kept stalling in with multiple investigatorion while they were adding late fee and interest why they were inverstigating what happen. They have Fruadently added charges with all the fees for the next year while they were doing there investigation closed my account and doubled what was was originally owed and refused to refund my annual fees $ 500x 7 years. Plus {$100.00} for each of the two cards the blue and sky card they cancelled eventhough is it was current. But they cancelled because they reject the payment for the America express platinum card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Experian Information Solutions Inc.
State: MA
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:
HAPPY SATURDAY XXXX/XXXX-XXXX! - I was going through my credit profile again today and noticed an old XXXX card that i had back in XXXX of XXXX which i believe was eventually transferred to XXXX XXXX. I never recalled being late with that account but my surprised today i noticed that your company has marked me late several times over the months in XXXX. But what's more surprising is that each bureau show that i was late in different months and shows different dates of last payments. There are so many inconsistencies, inaccurate, and incomplete information on how this particular account is being reported on my credit profile and it's detrimental to my character and my ability to get the best rate out there. It's also illegally re-aging this account. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements and i'm exercising my rights under the guidelines of FCRA section 623. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 explanation
Consumer complaint received 2020-05-08
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Td bank has been paid and should be removed off of credit it has been over 7 years

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: ERC
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I recently checked my credit reports and it reported a derogatory mark from XXXX XXXX XXXX about a XXXX XXXX XXXX bill. I dont know much about this kind of stuff but I when I closed my account it was never mentioned that any money was due. It says it was the past two years or so ago. However, I closed my account about a year ago, so Im not sure when this popped up, how long ago it was, or when it could be from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: EQUIFAX, INC.
State: MA
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:
HAPPY SATURDAY XXXX - I was going through my credit profile again today and noticed an old XXXX card that i had back in XXXX of XXXX which i believe was eventually transferred to XXXX XXXX. I never recalled being late with that account but my surprised today i noticed that your company has marked me late several times over the months in XXXX. But what's more surprising is that each bureau show that i was late in different months and shows different dates of last payments. There are so many inconsistencies, inaccurate, and incomplete information on how this particular account is being reported on my credit profile and it's detrimental to my character and my ability to get the best rate out there. It's also illegally re-aging this account. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements and i'm exercising my rights under the guidelines of FCRA section 623. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance {$230.00} o XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$920.00} o XXXX XXXX Balance {$1600.00} o XXXX XXXX XXXX Balance o XXXX XXXXXXXX Balance - o XXXX XXXXXXXX Balance {$1600.00}

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 2019-01-21
Company: BARCLAYS BANK DELAWARE
State: IL
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:
I used a Barclay XXXX Rewards card to make a purchase at the XXXX XXXX store. According to the XXXX site, financing is available for purchases for 6-18 months depending on amount spent. I did not have a previous balance and I paid {$400.00} in payments toward the balance, the transactions were for XXXX products only and received an interest charge for {$48.00}. I called Barclay and spoke to XXXX operator # XXXX and was told, I had to call in to verify the financing, which was not stated on the site that a call was necessary to get the financing. I also spoke to XXXX operation # XXXX and she told me the financing was only available on " some days '', not every day. None of this information is on XXXX 's financing page found here : https : //XXXX  XXXX XXXX , illinois card ends in 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 monetary relief
Consumer complaint received 2021-04-06
Company: TRUIST FINANCIAL CORPORATION
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:
REGIONAL ACCEPTNACE CORP has been in violation of the FCRA, FDCPA and the UCC over a course of years. If they do not get their facts corrected I will litigate.

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: OH
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:
My personal information was shared to the public in various data breaches which caused me to be a victim of identity theft! I have accounts and inquiries on my report that were unauthorized and this is hurting my reputation with the banking system. I need these accounts and inquiries removed 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 non-monetary relief
Consumer complaint received 2019-01-21
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX is attempting to collect on an invalid debt from a prior creditor. The initial creditor XXXX XXXX  XXXX breached their contract by not adhering to my request to fix hazardous problems. 
In addition to this XXXX XXXX  XXXX tried to hold me accountable for rent when the contract had already been terminated. XXXX XXXX XXXX then sold the alleged debt to XXXX XXXX  within months this was being reported on my credit report without an initial attempt to collect on the debt, I was never notified of my rights, nor was I given the opportunity from XXXX XXXX to prove the validity of this debt. I hold both XXXX XXXX XXXX and XXXX XXXX accountable because my rights were violated under both the Fair Credit ReportingAct and the Consumer Financial Protection Bureau. XXXX XXXX XXXX did not follow rules and regulations per the XXXX XXXX XXXX-If you dont receive a response within a reasonable time, re-notify the owner/manager orally and in writing. If you still dont get a response, you may have legal grounds to exercise statutory rights of lease termination, compulsory repairs, damages, penalties, third-party repair and deduct, and attorneys fees. ( Instead of giving two separate written notices, you can give a single notice if it meets certain standards provided under state law. ) Under this rule my lease was legally terminated and other tenants have since then resides in the property.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-21
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Systems is reporting a debt owed of {$7700.00} on my XXXX  credit report that is not mine.The name they have on the lease document is not mine, yet they insist on adding it to my credit report, I have disputed this account with both XXXX and XXXX who agreed and deleted the account. I have called and written countless letters to remove this account to no avail. My last option now is to have my lawyer sue both them and XXXX to get this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
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: Account information incorrect

Complaint:
I have disputed the late payments on this XXXX XXXX XXXX XXXX XXXX for months. XXXX  and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2021-04-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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 already reached out to the credit bureaus and to PORTFOLIO RECOVERY ASSOC. for the account number XXXX and notify them of their error posting for this account. and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment and debt validation but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As I already reported via telephone, I am a Victim of identity theft. I have recently learned that my personal information was used to open an account at XXXX XXXX XXXX. I did not open this account, and I am requesting that the account be closed and that it be absolved of all charges on the account. This account was bought by this Transworld a third party, which acquired a debt that was not authorized and is not lawful to pursue action on something that has not been validated.

Company response to consumer: Closed with explanation