BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-18
Company: Experian Information Solutions Inc.
State: LA
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:
To whom it may concern : I am disputing the account XXXX XXXX XXXX. I have repeatedly asked for validation of this debt because the debt holder is charging interest and fees without providing a billing statement for fees or a contract that I have yet to receive. Under the rules of the FDCPA this creditor must follow the terms of the original contract as far as what fees can be added to the debt. I spoke to the original debt holder XXXX XXXX XXXX on XX/XX/2020 and was told there are not supposed to be any additional fees added to the original debt. I am enclosing the multiple requests I made to the 3 bureaus for a validation of this debt and I have also contacted the debt collector and no one has provided me a copy of the original contract. The bureaus have stated the debt has been verified as accurate, how are they verifying the debt if I can not get a copy of the original contract and I am the consumer. I am also enclosing a copy of the 3 bureau report to show inaccuracies that XXXX XXXX  is reporting and the credit bureaus have continued to allow this company to report this account with inaccuracies and without a fee statement as to why this balance has increased without notifying the customer. Experian has ignored my requests for proof of how they verified the account as accurate. I am asking for a deletion due to the inaccuracies and failure to provide an original contract and unauthorized charges and fees. I have also sent proof of my identity with a notarized copy of the ID.

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 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There are several accounts that are appearing on my credit report that I do not recognize, nor are they mine. Please remove 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 2020-09-18
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 status incorrect

Complaint:
Account should be reported as closed with a XXXX  balance. No of the previous attempts to verify this debt has been completed by the agency. And no verification from the credit reporting agencies have been receive nor have any of the credit reporting agencies provided the manner in which they verified have been provided.

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 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
Account should be reported as closed with a XXXX balance. No of the previous attempts to verify this debt has been completed by the agency. And no verification from the credit reporting agencies have been receive nor have any of the credit reporting agencies provided the manner in which they verified have been provided.

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 2023-02-24
Company: V and H Portfolio
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was notify a alert on my credit report on XXXX that my score dropped 22 points because there was a collection added to my credit I dont know who these people are they dinged my credit I dont know what it is or how long its been owed! I tried calling nobody answered or nothing! I was looking online and they said they have to my signature in order for them to have this debt which I dont have any or nothing! Never got mail from tnem or phone call or email nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked, deleted, and removed. My request to block is not being made in error ; nor is my request to block being made on the basis of a material representation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

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 non-monetary relief
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: CO
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:
My letters were sent on XX/XX/23 and no update has been sent to me as of yet about the matter to dispute. By law the credit company has 30 days and both Experian and XXXX has failed to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
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:
This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND WAS SHOCKED TO SEE THE THERE ARE NUMEROUS FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE. THIS IS HURTING ME AS I AM IN THE PROCESS OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is an identity-fraud case. I have told them I didn't subscribe to XXXX-XXXX they continue to send me a collections letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: Experian Information Solutions Inc.
State: AR
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 was getting ready to file my taxes and my tax consultant told me that my taxes got rejected because somebody had already filed taxes with the same social security number. 
I had to take measure and call IRS etc. I then decided I needed to get my credit pulled to see what all has been accounted under my name. There was things on there I have never heard of in the years building my credit. Please get the items off my report. 

XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX   XXXX {$5500.00} XXXX XXXX XXXX XXXX {$460.00} XXXX. XXXX XXXX XXXX XXXX XXXX   XXXX {$3500.00}

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 2023-07-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : 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 XXXXXX/XX/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 2021-03-09
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Citibank is the worst banking institution I have ever used. They allowed money to be stolen from my account. They locked my access to my account. They cut off all my money with no permission whatsoever. They are terrible with customer service. They never handle any of it properly. They make you wait with no information whatsoever. They are a terrible company and it needs to be known just how bad they are.

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 2019-06-10
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2019 I discovered I had reason to believe that my personal information, including my SSN, may have been compromised. I have not been employed nor do I have a line of credit, so I had not previously been enrolled in or otherwise interacted with any of the three credit bureaus until now. From ~XXXX XX/XX/2019 to XXXX XX/XX/2019 I had attempted to register on the websites of Equifax, XXXX  XXXX and XXXX  to no avail as they claim to be experiencing technical difficulties. Calling Equifax to attempt a Fraud Alert ( XXXX XX/XX/2019 ) resulted in a representative that could not understand me and asked for my Social Security Number over the phone without confirming my issue - their website did not accept my registration. Calling XXXX  ( XXXX XX/XX/2019 ) resulted in an automated system that requested my social security number up front - their website did not accept my registration. Calling XXXX ( XXXX XX/XX/2019 ) resulted in an automated system that expected me to have an account - their website did not accept my registration. 
With these as my ONLY avenue to apply preventative measures and avoid possible identity theft I find myself at a loss as to why it is so poorly managed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Rep advise me that i can get a deferral on the acct to XXXX XXXX, advised the rep that i would like that option, still paid the acct when i received the funds, tried to fix with creditor, she advised she could do anything, she did state she seen when i talked to both reps prior to my next due date, i never been late on this acct or had this problem until i contracted 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 2021-06-22
Company: Resurgent Capital Services L.P.
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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This complaint is about Citi Group credit cards. Their customer service number is XXXX. I use their website to monitor and pay my charge amounts IN FULL ; almost immediately after charging and before the due date. I check their website to verify the total owed prior to paying it. In XXXX, I paid the full and complete amount which they had posted on their website for my account. However, the NEXT month they billed me {$2.00} finance charge. I dispute that I owe this finance charge. I tried to contact them via their website and got nowhere. I tried to call and waited in excess of 30 minutes on hold before I hung up in frustration. They do not communicate except to send a message via their website that the fee is correct.

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 2020-09-18
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
JP Morgan Chase bank has again, billed me wrongfully, negligently, and I believe intentionally purposely trying to cause me still more XXXX XXXX Please see previous CFPB complaint numbers XXXX and XXXX. Please see JP Morgan Chase Bank 's explanation, and reply. 

JP Morgan Chase bank has again billed me for the same fraudulent purchase. Cited in XXXX earlier mentioned complaints. I saw it today on XX/XX/2020. My XXXX credit card has again, been charged XXXX for {$130.00} DATED XX/XX/XXXX from XXXX   XXXX XXXX. I thought this was resolved. Please see their reply and explanation from two cited CFPB complaints.

Please excuse my lack of memory, I may be forgetting exact details as my mind may block out painful events. Seems as though XXXX   Fax 's were sent to Chase bank ( I do have them, numerous pages ) and they ( Chase bank ) finally made proper corrections and credited my account. Now, they are attempting to take it back. In fact, Chase has/have doubled the amount. Purposely and Intentionally causing me more XXXX XXXX. It has already had a negative effect on my health. The XXXX fax 's to Chase bank clearly proved that XXXX XXXX XXXX had charged me fraudulently. A complaint was filed with the XXXX XXXX XXXX. Against XXXX   XXXX XXXX. 

Please have Chase bank SAVE all my secure on line messages to them. As they are evidence. 

Please be so kind to have Chase bank again, correct these same errors. Please have JP Morgan Chase bank STOP CAUSING me XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR
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:
I see a credit inquiry on XX/XX/2023 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX late in the night and I dont request any credit inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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
Consumer complaint received 2018-08-24
Company: Jeffrey R. Lankenau, Attorney at Law
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
My son was seeing a XXXX at XXXX XXXX in XXXX. On XX/XX/XXXX I had received a statement saying I owed {$570.00}. On XX/XX/XXXX I had faxed XXXX a copy of my insurance card with a note saying I thought they were billing the incorrect insurance company. On XX/XX/XXXX I received another statement so I called on XX/XX/XXXX and spoke with a gentleman in the billing department. He said he did get the insurance card, to not pay the bill and he will bill the correct insurance company. I then on XX/XX/XXXX, receive a letter from a lawyer that XXXX is making me pay the full {$570.00} plus late fees. I called my insurance company asking about the claims. XXXX at XXXX XXXX XXXX XXXX stated that XXXX did not file the claims until XX/XX/XXXX, it was passed the allowed allotted time therefore they were denying the claims. She also said I had a right to file an appeal on the claims. I also had sent a letter to the lawyers office disputing the charges. On XX/XX/XXXX I received a notice from the court that I will have to appear in court for the charges. I called my insurance company about the appeals and they stated that since it was passed the date they are upholding their original decision. I think it is XXXX XXXX that I did what I could to get him to send the information into my insurance. If he had the information on XX/XX/XXXX why did he not bill the insurance company until XX/XX/XXXX? I am being forced to pay all of the amount and late fees because he didn't do his job. This is not the first time I have had trouble with their billing department. I am not getting in resolve from them or the lawyer Jeffrey Lankenau in XXXX Ohio.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-19
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-03-04
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
UWM is trying to dictate to it's broker partners who it can partner with, and will fine any broker that does business with UWM & XXXX XXXX. UWM is trying to eliminate competition with XXXX tactics. Their behavior will raise prices for consumers, and cause material harm to americans on a huge scale.

Company response to consumer: Closed with explanation