BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-14
Company: Experian Information Solutions Inc.
State: SC
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 take notice of EXPERIAN FAILURE TO ACCURATELY MAINTAIN MY CREDIT REPORT. XX/XX/XXXX, Experian I have attached XXXX screen shots from your website that show disputes of a account from XXXX XXXX XXXX. Check the dates please. As you can see the XXXX XXXX account was removed from my consumer credit report in XX/XX/XXXX. I checked my Experian consumer report again in XXXX of XXXX and noticed the XXXX XXXX account was back on my consumer report. I disputed it again and received a message from Experian today XX/XX/XXXX that the XXXX XXXX account has been updated and is still on my credit report ( AGAIN ). BY LAW A ACCOUNT CAN NOT BE PUT BACK ON A CONSUMERS CREDIT REPORT AFTER IT HAS BEEN REMOVED. REMOVE THE PORTFOLIO RECOVERY ACCOUNT AGAIN PLEASE. The fair credit reporting act 15 U.S code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies- ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 explanation
Consumer complaint received 2018-01-07
Company: Continental Finance Company, LLC
State: PA
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 called the continental finance company and told them that a hard inquiry was on my credit report and my apartment number was wrong and the wrong date of birth and they said they would remove it from my credit report a month ago and hasn, t done so I have called them every day and it is still on all three major credit reporting agencys.

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 2019-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 : following items disputed XXXX   XXXX no independent investigation was done. No proof of contract with my signature on it. XXXX XXXX XXXX THERE SHOULD NOT BE ANY LATE PAYMENTS LISTED ON THIS ACCOUNT AFTER THE CLOSE DATE AND YET, I AM STILL SEEING THIS ACCOUNT EACH MONTH. NO CONTRACT WITH MY SIGNATURE ON IT. NO PROOF. XXXX XXXX THIS ACCOUNT MUST HAVE THE CORRECT COURT NAME, LISTED WITH CITY AND STATE. BEING REPORTED INCORRECTLY. MUST BE DELETED PER SAY UNDER THE FAIR CREDIT REPORTING ACT. 

TRANSUNION : XXXX XXXX NO INDEPENDENT INVESTIGATION WAS DONE. NO PROOF ACCOUNT BELONG TO ME. XXXX ( ORIGINAL CREDITOR : 09 XXXX XXXX ) ORIGINAL CREDITOR REMOVED THIS ACCOUNT DUE TO THE FACT TRANSUNION XXXX VERIFY UNDER SECTION 609. XXXX XXXX XXXX THERE SHOULD NOT BE ANY LATE PAYMENTS LISTED ON THIS ACCOUNT WITH THE PAST DUE BALANCE. THIS IS A COLLECTION AND VIOLATION PER FDCPA. XXXX XXXX XXXX MULTIPLE DATES LISTED UNDER THE DATE OF LAST ACTIVITY. NO VERIFICATION AND VIOLATION. XXXX THIS ACCOUNT DOES NOT SUPPLY CORRECT CITY AND STATE AND NAME OF COURT. INACCURATE. MUST BE DELETED FROM FILE. 

XXXX  : TRANSUNION : XXXX XXXX NO INDEPENDENT INVESTIGATION WAS DONE. NO PROOF ACCOUNT BELONG TO ME. XXXX ( ORIGINAL CREDITOR : 09 XXXX XXXX ) ORIGINAL CREDITOR REMOVED THIS ACCOUNT DUE TO THE FACT TRANSUNION COULDNT VERIFY UNDER SECTION 609. XXXX XXXX XXXX THERE SHOULD NOT BE ANY LATE PAYMENTS LISTED ON THIS ACCOUNT WITH THE PAST DUE BALANCE. THIS IS A COLLECTION AND VIOLATION PER FDCPA. XXXX XXXX XXXX MULTIPLE DATES LISTED UNDER THE DATE OF LAST ACTIVITY. NO VERIFICATION AND VIOLATION. XXXX THIS ACCOUNT DOES NOT SUPPLY CORRECT CITY AND STATE AND NAME OF COURT. INACCURATE. MUST BE DELETED FROM FILE. 

All these accounts I have disputed with all the credit reporting agencies. They have not prove 100 percent that these accounts are true and belong on my credit file. Every time i send letters all each credit bureau does is send me a computerized letter saying verified. I am requesting that all inaccurate items be removed. This is affecting my ability to obtain credit

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 2021-05-10
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:
I am writing to delete the following information in my file. the items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my credit report. I reported the heft of my identity to the federal trade commision and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible. 

XXXX XXXX - XX/XX/2021 - {$240.00} XXXX XXXX {$9600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing this complaint because XXXX MACYS has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank 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 2023-03-22
Company: EQUIFAX, INC.
State: DC
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: Was not notified of investigation status or results

Complaint:
I sent a letter on XX/XX/2023,. Its been over a month you I have to receive any update from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, WAKEFIELD failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
WAKEFIELD Account Number XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
WAKEFIELD Account Number XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have multiple times have set up a dispute for items on my credit report with Equifax and XXXX regarding fraud accounts and many inquiries on my cresit report. I have been a victim of identity theft since 2006. Recently I also learned my information was part of the Equifax breach. The following accounts need to be removed from my account and have not although I have provided a police transcribed report. 1.  XXXX XXXX {$2800.00}. 2. XXXX XXXX old account fir {$360.00} 3. On Equifax & XXXX XXXX XXXX XXXX for {$2800.00} 4. XXXX XXXX for {$520.00} there is also is XXXX inquiries that should be removed. My police report states XXXX XXXX as well as XXXX since the report only had these 2 items. Ever since the breach now the other 2 have appeared. Thet jave not pit the items in dispute nor does it state and its hard to get through tk them. I have requested multiple times to nlock these items from my report as XXXX has fixed the situation and removed the items in 24hrs with them having my police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: The Bureaus, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing this complaint because THE BUREAUS has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Commonwealth Financial Systems, 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: Information belongs to someone else

Complaint:
I have an account with XXXX XXXX and was looking at my report today and my credit score with XXXX is showing an account that I didn't open. 
Original Creditor : XXXX XXXX XXXX XXXX Open Balance : {$2400.00} Opened : XX/XX/2021 Collection Agency : COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX " solemnly swear '' that I never opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: EQUIFAX, 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: Account information incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: CAINE & WEINER COMPANY, INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was never notified of the debt I owed and am not sure what the debt is for. A derogatory mark was noted on my credit report and XXXX XXXX sent me an email of such. I looked on the XXXX XXXX site and found the company listed is Caine and Werner and I owe {$100.00} but I don't know what this debt is for or who it is owed to. They have not contacted me to notify me of this situation. Their contact information is : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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: Webcollex, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving multiple phone calls a day on my personal number. The representative has been asking from personal information that I refuse to give. I don't owe any collection debt that I am aware of. I pay all my bills on time. The representative was rude and threatening. I have never received any correspondence in the mail regarding a debt. They are now calling from different numbers. This is in reference to cks Financial which I have never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: EQUIFAX, 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:
fact, I the affiant is aware and have proof that Equifax has and definitely continues to violate my consumer privacy rights. I the affiant during my personal investigation, observed 24 violations and counting on my consumer credit report. XXXX continues to be in violation of 15 U.S. CODE 1681 ( A ) ( 4 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692 ( D ) ( 1 ) ( 3 ) 15 USC 1681 ( A ). Even after being informed that the information was in fact incorrect and should not have be placed on there. Due to XXXX willful and gross behavior ; I have been reputedly violated and as a result of XXXX negligence, I have been Injured numerous times. The injuries include but are not limited to being denied credit, My valued reputation has been utterly disgraced and ruined, loss of business income, XXXX, and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an account with XXXX XXXX, i paid for their debt protection plan on the account. I lost my job in early 2019, used the debt protection and the account was paid in full and closed. I recently got a summons that XXXX XXXX is now attempting to sue me for the same debt that has already been paid off! None of my other XXXX accounts have ever been late/in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Hello sir / madam i had opened up an account on XX/XX/2021 on the trading platform Gemini ( gemini trust company llc ) for trading cryptocurrencies they had my account verified through drivers licence, e-mail and mobile number and linked my checking account with them to wire money, later on XX/XX/2021 i had wired {$60000.00} USD to them and it was debited from my checking account then Gemini e-mailed me to further verify my self on their support by providing my drivers licence photo with a hand written note along with a selfie all in one frame to make my funds available, I submitted it and the finds were available in my gemini account but they restricted my account to buy trade or withdraw the amount its just stuck in their platform and i don't have a resolution for it i e-mailed them regarding the same bit they just said the will transfer my case to a specialist and then i have no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Intelliloan, Inc
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Intelliloan XXXX  Company has intentionally Misrepresented Fact and Information on my credit report. 30 Day Late on one month payment. I have provided irrefutable evidence to Intelliloan the that Information they have disclosed to the National Credit reporting agencies is false and inaccurate, Intelliloan will not correct the Errors and Inaccuracies. 
In addition this has been an on going problem since XXXX of XXXX. Furthermore, during that time I have contacted Intelliloan on numerous occasion before my Credit Report was even effected. Also Intelliloan has provided me with letter ( s ) addressing my concerns and providing my payment history which proves that at no time was i ever late on my mortgage payments. However, when I provided that information to person or persons responsible for the accuracy of reporting my payment history to the credit reporting agencies Intelliloan intentionally dis-rearguards the information?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I called last week ( today is XXXX ) because I could not login to my account to make my payment online with Citibank. The lady said they had closed my account and she didn't speak XXXX well at all. She wouldn't tell me why it was closed and couldn't tell me why I wasn't notified that it was closed. I dismissed it as a communication error and her not understanding what I was asking. 

Today I called again. This time a man who did not speak very good XXXX either. Suffice it to say he told me it was closed and that they have already told me about this. I STILL HAVE ZERO CLUE WHY IT IS CLOSED!! I've not missed a payment. I have an excellent payment record. And I still can not get into my account to see any statements, make a payment or anything. 

They are quick to tell you about their app but they don't realize I am XXXX XXXX XXXX and can not see my phone well enough to do anything. The print is WAY too small. I don't operate out of my phone either. 

I'm upset. My payment is due today. And I'm done. They are the hardest to contact and deal with and they hold my Best Buy and Staples card as well. They don't listen. They don't help. And I can't understand them. 

Can anyone there please help or do something to make them stop doing this to elderly people. I am so upset right now ( I am fully XXXX ) that my XXXX XXXX has gone sky high which it did last week as well. 

XXXX was the gentleman 's name if I heard him right. He was rude. He answered rude. I don't understand.

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