BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
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:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXXXXXX XXXX XXXXXXXX Balance : {$5000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$4300.00} ; XXXX XXXXXXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXXXXXX Balance : {$1900.00} ; XXXX XXXXXXXX Balance : {$2500.00}.

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 explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXXXXXX shows late payments on an old, closed, fully-paid-off mortgage. These were deferred payments offered by them during Covid. As I understand it, there should have been a code identifying this as Covid-related so that my credit report/score would not be adversely affected. I believe my score has been negatively affected by these " late '' payments on my history. 

I have raised a dispute, twice this month, with Experian, but other than different months marked late or different final payoff amount, I don't see any change in my creditworthiness. I am still considered being a late payer with them.

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 2020-02-26
Company: EQUIFAX, INC.
State: TN
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:
Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, 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:
. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: CL Holdings LLC
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: Information belongs to someone else

Complaint:
Im reporting Jefferson Capital Systems XXXX XXXX XXXX, XXXX XXXX XXXX XXXX My name is XXXX XXXX and there reporting I owe XXXX from an account that is not mine and I have no recollection of this account or where this came from I contacted and spoke to a representative about this issue and they admitted on a voice recording that they dont have proof to show that I owe this debt now under law and the fair credit reporting act Im requesting that they remove this account from my credit if they dont have proof that this is mines and they admitted also on recording they dont have proof which is breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
To : Whom

It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$32000.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal
action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

-- AUTO ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my 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 2023-04-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is incorrect, inaccurate, and erroneous information on my Experian report. This erroneous information is severely damaging my credit, and preventing me from obtaining credit. My consumer rights are being violated. The accuracy, fairness, and privacy of information in my credit report is not being upheld.

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 2021-11-17
Company: Law Office of Brett M. Borland, P.C.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX-After multiple disputes to have the inaccurate information furnished by XXXX XXXX XXXX XXXXXXXX, removed from my consumer credit reports, I personally called the company at the number provided on the consumer report ; XXXX at approximately XXXX, I spoke with associate XXXX, who i informed that i do not assume responsibility for the alleged debt and have contacted the office only to pay for the deletion of the inaccurate information from my consumer credit report, as it has caused great XXXX, XXXX  and XXXX XXXX  to my XXXX children and myself. XXXX of XXXX XXXX XXXX informs consumer that they have forwarded consumers information to : The Law Offices of Bret Borland, an affiliate of XXXX XXXX XXXX that is now handling file # XXXX, and she ( XXXX ) provides telephone number XXXX to contact this office. Consumer placed call to The Law Offices of Bret Borland at approximated XXXX, and spoke with associate XXXX XXXX. After asking consumer questions to verify identity, associate informs consumer that there are XXXX accounts associated with the XXXX social security number which is assigned to consumer ; Acct # XXXX, Acct # XXXX. XXXX XXXX was made aware that the inaccurate information furnished by XXXX XXXX XXXX has harmed consumer and consumer 's family greatly, and that consumer does not acknowledge or assume responsibility of alleged debt, but willing to pay company immediately in return for immediate deletion of inaccurate accounts from all consumer credit files. XXXX XXXX informs consumer that there is an issue with the accounts, the Cease and Desist, and i would need to contact XXXX, XXXX XXXX, at email XXXX and give company permission to call and make constant contact, thus harassing consumer about inaccurate debt, before this office can discuss matters involving this inaccurate accounts with consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off account in the amount of {$13000.00} on the XXXX/XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. My now deceased husband took out this loan and signed this agreement on his own. I did not sign any documents with XXXX XXXX. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2023-04-25
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 XXXX XXXX Accounts # XXXX and XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX has changed information on my credit report stating originally that I was late with payments in XXXX and XX/XX/XXXX. They also reported that I closed the account in XXXX of XXXX. If the account was closed in XXXX of XXXX I could not have been late in XXXX of XXXX. I sent in a complaint about the erroneous information and after they reviewed the information and having reported this negative information for several months changed the negative reporting to being Late in XXXX of XXXX and late in XXXX of XXXX to fit their narrative. This incorrect information has cased financial harm due to me because of its incorrect reporting for several months. Financial discrimination by reporting incorrect information on a consumers credit report should never be allowed.

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 2019-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Some one opening these accounts without my knowledge. 

This account was closed on XX/XX/2019 XXXX XXXX/XXXX Last reported XX/XX/2019 {$520.00} Reported balance XXXX XXXX XXXX Last reported XX/XX/2019 {$820.00} Reported balance Credit limit This account was closed on XX/XX/2019 XXXX XXXX XXXX Last reported XX/XX/2019 {$580.00} Reported balance Credit limit XXXX XXXX XXXX Last reported XX/XX/2019 {$200.00} Reported balance Credit limit

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 2022-10-19
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Entire XXXX of XXXX 2022 ( calling all day from blocked numbers starting from XXXX up until XXXX along with sending text messages ) Specifically XXXX XX/XX/2022 comenity bank contacted my mother discussing my account with victoria secret and its an attempt to collect a debt ( please note that I am well over the legal age of XXXX ) who is not an authorized user nor is her number listed anywhere did I ever list her on my accounts. Spoke with a Comenity representative that stated none of the last four of the numbers given was listed which further makes me believe this company searched the world wide web for information. 

By law creditors are only allowed to contact your parents if you are not of legal age and are not to discuss any debt as I am not a minor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Citibank did an unauthorized webex transfer from my XXXX money market account in the amount XXXX {$50000.00} on XX/XX/2021 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 2021-11-05
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hi, I followed New to Citi Checking Cash Bonus Offer ( as in attachment ) on Citis official website to open a new checking account to earn the {$700.00} cash bonus on XX/XX/XXXX. 

However, after I followed all required steps to deposit {$50000.00} into the Citi checking account, Citi blocked my account for weeks, and then sent me an email on XX/XX/XXXX ( as in attachment ) saying my account will be closed because we found that you have violated the terms of your account per the client manual. However, I called Citi many times but they refused to disclose what exactly I did to violate the terms ( because in fact I did not ). They insisted on closing my account without a clear reason, but in the meantime, they refused to allow me to withdraw my money back at the moment, which is ridiculous and irresponsible. 

I transferred the {$50000.00} from my accounts in other banks ( the first {$25000.00} on XX/XX/XXXX and the second {$4000.00} on XX/XX/XXXX came from XXXX, the third {$21000.00} on XX/XX/XXXX came from XXXX ). All statements are in the attachments. The information is all correct and in fact the money has already been transferred into my Citi 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 2017-11-07
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Many weeks ago, an individual named XXXX from Ford Motor Credit called about another individual 's account and did n't say why she was calling. I told her it 's probably illegal for her to be calling me and told her not to call again. She called me again minutes ago. I 'm pretty sure that 's harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2023-06-04
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: FL
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:
Unacknowledged Dispute Request - Urgent Attention Required I XXXX XXXX am writing to express my frustration with your bureau 's failure to acknowledge my dispute request, which violates the Fair Credit Reporting Act ( FCRA ) guidelines. Please be advised per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have 4 days to respond or remedy the said information listed below. I have also sent out the dispute request electronically as well as certified to all establishments in question.

It has been well beyond the legally mandated timeframe, and I have not received any acknowledgment from your bureau. Moreover, I find it deeply concerning that only some information was acknowledged, while other crucial details were overlooked or ignored. 
This marks my third attempt at reaching a resolution, highlighting the repeated challenges I have encountered in seeking fair treatment. It appears that your bureau may have selectively chosen what information to acknowledge on the dispute request. This raises significant concerns about the impartiality and thoroughness of your investigation process. 

I demand immediate acknowledgment of my dispute and a thorough, unbiased investigation of all disputed information. Please respond promptly to avoid further legal action. 


Please see attachments below. 

Thank you for you swift cooperation in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-05
Company: SYNCHRONY FINANCIAL
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:
XX/XX/XXXX XXXX XXXX added a inquiry on my account for XXXX .I did not authorize this. I do n't understand how I could have a fraud alert on my account and keep receiving inquiries from this 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 non-monetary relief