BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-21
Company: CITIBANK, N.A.
State: IL
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:
I have two accounts with Citibank. Gold account number ends in XXXX. Platinum account number ends in XXXX. I mistakenly sent a {$3300.00} payment intended for the Gold account ( SEE EXHIBIT 1 ) to the Platinum account. The Gold payment was posted to the Platinum account XXXX/XXXX/XXXX. SEE EXHIBIT 2. I called Citibank and was forced to deal with a foreigner who I could barely understand. I explained that I needed {$3300.00} payment REMOVED FROM PLATINUM ACCOUNT and POSTED TO GOLD ACCOUNT. The frustrating foreigner spent a lot of time messing around. But then I noticed that the requested action was taken a few weeks later. Yesterday, I received a letter from Citibank stating that the {$3300.00} payment was being REMOVED FROM THE GOLD ACCOUNT. SEE EXHIBIT 3. I can confirm that the payment has been removed from the Gold account. But now the payment is posted NOWHERE. I 've given them {$3300.00} and the payment is posted nowhere.

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 2022-01-10
Company: Early Warning Services, LLC
State: GA
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:
I submitted a complaint to XXXX  through CFBP and the company responded that they are still working on the issue. I'm complaining that they should work quickly to remove my file and delete the erroneous information from their systems. I am complaining and noting that XXXX should know that there is no time to resolve this issue. They could be arrested, in jail or subpoenaed within 60 days if they don't act immediately. Normally within 15 days. It is illegal to place an individual 's information in XXXX or any other credit report file, randomly for no cause. XXXX deals with bounce checks and bank fees, and direct misuse of accounts, not " suspected ''. Possible alcohol and substance abuse is nationwide known factor in wrongful suspicion, along with other factors as well. XXXX has had 4 years to work on this issue and should have declined the bank 's faulty objection in XXXX. They are supposed to have knowledgeable personnel who won't make these kind of errors. I am complaining about this. I am complaining that there is no more time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
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 had been a victim of ID theft, a XXXX account was opened with out my knowledge and this is effecting my social security and they are about to cut and disconnect my social security .because if this inaccuracy, please i will be homeless i have spoken to the creditor and also disputed with the bureaus only equifax is the one who is not cooperating in this issue, i have called many times and provided documents even a police report and the FTC report as well. anything they requested, but they are not even helping me in this situation, please you are my last hope, my daughter told me write a complaint on equifax, please i will be homeless .i need your help in order to fight this battle thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-21
Company: Collection Management Company
State: WV
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:
On XXXX XXXX, someone called from XXXX and said her name was XXXX and she was with Credit Management Company, which is a debt collector. We asked her to send verification of the debt and to stop all phone calls in the process. She was very rude and said " We 'll keep calling ''. They have never sent any verification and every time I refuse to give them sensitive personal information, they get extremely rude. I have recordings of calls asking them to stop calling and send verification. They just do n't. They have never sent a single piece of mail to us and wo n't provide an address.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordiance with the fair credit reporting act, XXXX XXXX  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, 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

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 2019-04-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi my name is XXXX XXXX. I'm currently in the market to purchase a home and before I actually start the process I wonted to review my credit report. After carefully reviewing it I notice a couple of items that are not mine and I have no idea where they came from. Its kinda of scary that something like this can happen. These items are not mine and I have no idea how this happened but these items need to be removed from my credit report. I have contact the FTC and my local police. Im doing this on my own behalf. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
in accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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

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 2022-01-10
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company out of XXXX, TX has called me repetitively for several months now. I finally answered to see who they are because they never leave a message. After answering this time, I was greeted by a person on the other end telling me the call was being recorded, I refused to let them record me and asked who they were. 

I learned they are a company called AvanteUSA but they refused to give me any other information until I agreed for them to record the call. I never did agree, they hung up on me. 

After a quick XXXX search, I found out they are a collection agency. The problem with that is I do not owe anyone money. This leads me to believe that they are using old debts that were forgiven/paid so they can try to collect on them anyways or they're fabricating debts to attempt to con people out of money. Either way, this would most likely indicate someone working for XXXX or XXXX is illegally providing information to them. That said, the last debts I accrued were medical and though they never appeared on my credit, they were late due to delays and were eventually paid for by XXXX. This was well over a year ago. 

Being on XXXX and XXXX, over the years there's been attempts to scam me from collection agencies, doctors, medical facilities, and every other scam you can think of that targets disabled Americans and though annoying, I've learned that if I ignore them, they eventually go away. But that is not the case with AvanteUSA as the calls have been coming in for months now even though they've never attempted to contact me by mail. That tells me they do not have anything other than my name and phone number along with some information on an old debt that has been paid off and they are trying to collect on it which leads me to believe they are one of those 'bad actors ' that the CFPB has instructed the public to report. 

Please do not provide my address to this company because I do not know who they are or who gave them my information. As well I am not asking for the CFPB to act as a mediator because I have no reason at all for this company to be contacting me. Instead, I'm asking the CFPB to open a full investigation into this company and if you can validate any claims they have against me, then and only then will I ask for mediation provided by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: EQUIFAX, 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:
I have contacted Equifax, XXXX, and the debt collector XXXX XXXX XXXX about a fraudulent account and all 3 companies have refused to remove this account from my credit file. There is a fraudulent account that XXXX  XXXX  XXXX   allowed to be opened in my name as a result of identity theft. I have told XXXX  l, XXXX, and Equifax that the original account from XXXX was fraudulent and that the collection that XXXX placed with XXXX XXXX XXXX was fraudulent. I have provided XXXX XXXX XXXX, XXXX, and Equifax a copy of my police report and reported the account as fraudulent, and all of them have refused to correct the record and block the fraudulent collection from my credit file. I have also notified the furnisher of this information XXXX that this account was fraudulent and provided them a copy of my police report as well, and all 4 companies have continued to violate the FCRA by continuing to report this fraudulent information about me. 

XXXX XXXX XXXX continues to harass me over a debt that they and the other 3 agencies have been formerly notified was fraud. They have continued to use abusive collection tactics and reporting tactics to attempt to force me to pay a debt that they have full knowledge does not belong tome and is as a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
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: Public record information inaccurate

Complaint:
one inaccurate and fraud bankruptcy chapter XXXX public record is reporting on my equifax credit reporting agency, i have disputed this several times and so far they have not been helpful at all i have never filed any bankruptcy in my life, and for some reason this is showing on my equifax only, please help me to remove this inaccuracy removed from my credit file. i have attached my police report and the FTC report  which i have file. please find attached thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I recently sent a letter to Transunion asking for information about accounts on my credit report Im not familiar with. 
I asked Transunion to kindly please advise me as to the correct name and current address of the creditors, the name of the account holder, and the reported date of first delinquency for these accounts as any account I might have had at one time would be obsolete. 
I also asked Transunion If they can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 
My request was completely ignored, and Transunion showed no regard for my concerns by just sending me a generic response to my request claiming the accounts were verified. Check attached Transunion response sent to me on XX/XX/2018 file number XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Transunion is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability apply for Job opportunities to take care of my family. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below since you ignored my request and refuse to properly verify defaming accounts on my credit file. 
Show me the contracts and method of verification or delete these accounts immediately. 
Please also remove your fraud alert from my credit file. I did not ask for one. 
Creditor : XXXX Account Number : XXXX Creditor : XXXX/XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX   XXXX XXXX  Account Number : XXXX Creditor : XXXX XXXX XXXX Account Number : 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 2023-07-12
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: Old information reappears or never goes away

Complaint:
I have hired numerous companies and sent letters myself to these reporting agencies. My legal name ends with a XXXX and that is the only way I sign legal documents. Old addresses keep appearing and some address I have never held residence in. My address is XXXX 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 explanation
Consumer complaint received 2022-01-10
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I used the Wells Fargo ATM ID XXXX on XX/XX/XXXX. I deposited cash by using the " tap '' feature and entering my PIN. Some of the cash was rejected, so I straightened it out and reattempted the deposit. Upon attempting a second time, the ATM prompted me to re-enter my PIN. The deposit was rejected again so I drove away. After I left, the next person at the ATM was able to withdraw {$1000.00} from my account without needing to re-verify the PIN. I disputed the transaction with Wells Fargo on the same day ( Claim # XXXX ). 
on XX/XX/XXXX, I received a letter in the mail explaining " Based on the information available to us, and because the transactions were made using your card and PIN, we found it was made by you or someone who had your permission. Please consider your claim closed. '' I called the Claims Assistance Center ( XXXX ) immediately and was told that they would send me documentation outlining how the information they used to come to this determination. I never received any further documentation. 
I went into the Wells Fargo Branch on XXXX XXXX XXXX XXXX, XXXX, UT on XX/XX/XXXX to speak with a Personal Banker about the issue. I requested that they review footage from the ATM in order to see that the withdrawal was not completed by me. On XX/XX/XXXX, the Wells Fargo resolution team contacted me inform me they are unable to review the footage, and that my claim should be considered closed at this time. They were unable to provide an explanation as to why the footage could not be reviewed. 
Over the course of my interactions with Wells Fargo, as of XX/XX/XXXX, I have not yet received the documentation outlining the basis for their determination to deny my claim.

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 2023-10-05
Company: Experian Information Solutions Inc.
State: WI
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hi I am submitting this XXXX XXXX his isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with transunion i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 87 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now. nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  i cant get aproved for anything which is casing me even more 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 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was affected by the Tornado that struck my place of employment ( XXXX ), which resulted in financial hardship and caused late payments. XXXX XXXX XXXX Please remove these late payments from my account due to natural disaster.

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 2022-08-14
Company: Experian Information Solutions Inc.
State: WI
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:
Company put these inquiries on my credit without my consent. I have no business with these companies at all. 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

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