BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-15
Company: One Technologies, LP
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Back in XXXX XXXX XXXX, I evidently went online to research my credit score. I found an offer from a company named " XXXX '' ( One Technologies LLC ) for free credit reports. I thought I was getting a " free report '', but evidently i was being charged {$29.00} a month for a service I did not subscribe too. I just wanted a one time free report which I should be entitled to. 

I have received ZERO communications from XXXX  since that time. Then out of the blue, I get an email on XX/XX/XXXX about a monthly subscription payment. 

" This is a receipt for your monthly subscription payment for XXXX. 
We successfully charged {$29.00} to your XXXX on XX/XX/XXXX, in accordance with your member agreement. This charge will show up on your card statement as XXXX. " This was the first time I ever received any communication from them about monthly charges. I went back through my email history and nothing! I found a number to thier customer care department and immediately contacted them. I discovered that i have been billed a {$29.00} charge 49 times without my consent or knowledge. 

I have since done some research and discovered that this same company was fined XXXX XXXX back in XXXX for the exact same deceptive practices. I feel like I fall into this catagory and want my money back and the company to be punished. 

Company listed address is : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Cedars Business Services, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received an email from CEDARS Business Services on Friday, XXXX, XXXX at XXXX PM EST. In the email, Account Manager, XXXX XXXX, states that I have a past due balance of {$30000.00} from XXXX XXXX XXXX  which is located in the XXXX XXXX. The account manager is assuming that I knew the account was in collection and that they had sent me other emails about this fraudulent account. First, of all, this is the first email that I received from them. Second of all, I never took out a loan for any money with this bank or any other and left the XXXX with XXXX balance with my XXXX XXXX XXXX  account. I have the last statement from this bank dated XX/XX/XXXX. It states all the transactions that have been carried forward and it states XXXX balance. I wasn't able to close the account before I left but the last information I have clearly states that I owe the bank nothing. I believe that someone else has either committed fraud or used my name in identity theft because I have no knowledge or responsibility for the debt they say I owe and are attempting to collect. I have asked them to stop all communication with me and with this email, address or otherwise and I have recorded a dispute with XXXX. XXXX removed the hard inquiry that they had recorded on my credit report as of XX/XX/XXXX. My statement is that when I left the XXXX as an XXXX in XXXX in XXXX, I had not taken out a loan at all and had no outstanding debt. This company has not provided a debt validation letter ; just, a file # XXXX and a balance of {$30000.00} which is completely erroneous and implies that someone has been using my name or credit without my knowledge which is considered either fraud or identity theft. The email I was sent is from XXXX and does not have an letterhead address from the company on it which I found strange even though XXXX business service is listed in XXXX as a registered debt collection agency. I did XXXX their address ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, California ) and I plan to follow up within the 30 day period from when I received the email stating what I just told you and request that they do not contact me about the referenced debt, in compliance with the Fair Debt Collection Practices Act. I dispute having any obligation for this debt and have NO knowledge of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: NY
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions 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:
I was never 30days late ( XXXX  ) can not prove I was ever 30 days late ( XXXX  ) is in violation of 15 U.S.C.1681s-2 ( A ) ( 1 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 
The credit report ( attached ) shows that the information being reported by ( XXXX  ) does not match between all three credit reporting agencies, which means somewhere there must be an inaccuracy How can ( XXXX  ) be reporting accurately to the credit reporting agencies, if each credit reporting agency has different information? 
the account number for the ( XXXX  ) account does not match between all three credit reporting agencies the payment status for the ( XXXX  ) account does not match between all three credit reporting agencies the date of last active for the ( XXXX  ) account does not match between all three credit reporting agencies the payment history for the ( XXXX  ) account does not match between all three credit reporting agencies ( 24 months ) after previous dispute, ( XXXX  ) illegally shuffled dates around

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 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account # 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 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 non-monetary relief
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: CA
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 request a full investigation into the charge off account and evidence of its ownership. On XX/XX/XXXX, two XXXX XXXX XXXX credit card accounts were opened, but I only authorized one. I had no knowledge of the second account. Despite this, I am receiving letters claiming the account was verified and requesting payment, yet no evidence has been provided to prove the account was mine. 
I will attach copy of the letter I received from them to prove they're ignoring my request and they are not providing any type of ownership evidence for the charge off 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 2023-09-19
Company: Experian Information Solutions Inc.
State: NV
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 been writing transunion for 2, years now, and they refuse to remove this account XXXX XXXX, that is not mine. i have done a affidavit, 2 years ago, and they ignore the affidavit. they never gave me a " early warning notice before placing this in my file, and now refuse to take it off. After 2 years, enough is enough, i'm disgusted, a single mom, spending time and hours on this one account, instead of providing for my daughter. It is even more now depressing knowing that the bureaus have only investigated 2 % of all disputes in the lat 2 years, how is this humanely possible, an agencys, with so much power ruining human beings lives

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 2023-04-25
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 


XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX  XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX, XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$390.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$540.00} XXXX, XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$850.00} XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXXXXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX /PXXXX XXXX XXXXXXXX Balance : {$2700.00} SXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX # XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  # XXXX Inquiry : XX/XX/XXXX XXXX XXXX # XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX  # XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  # XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pursuant to the FCRA & the FDCPAI now exercise my lawful right to question the validity of this debt your agency claims has come Que Fair Credit Reporting Act 609 Disclosures to consumers : ( c ) ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumers The, untess the information is outdated under section bUs or can not be verified Fair Credit Reporting Act 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy. 
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( 9 ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date. XXXX XXXX XXXX  need to be remove

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 2022-06-02
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Company was contacted about this account being fraudulently opened and used I have made a police report and shared this information with the company as well

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
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: Was not notified of investigation status or results

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2022-02-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a XXXX  XXXX  issued by Citibank. I had one before back in the year 2017. However I never used the card, not once. The bank closed the card. So when I applied for the card today they declined me siting that my last XXXX XXXX was delinquent. I questioned that. Because how can a card be delinquent when it was never even used? It was closed with a XXXX balance. And there were no fees associated with the card. They could not provide me proof that the card was delinquent. I then got transferred to a manager. The manager then said that the card that was closed could have been closed because it was delinquent, she didn't know. They have access to my credit bureau. I assure you I monitor it every day, and there has never been any late payments or delinquencies. Citibank has a history of reps making comments that would be in violation of protected classes such as XXXX, XXXX, age, etc. I will reach out to their XXXX XXXX XXXX in Tennesse. My next step is to start the legal process and mediation. I need answers.

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 2023-09-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Under the Fair Credit Reporting Act, XXXX  Account XXXX for 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 also states that a consumer reporting agency can only furnish an account with my written instructions. 

I have enclosed copies of the letters I sent to the credit agencies, the credit agencies ' responses, a full copy of my credit report, and the discrepancies that the different credit agencies show on the 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 non-monetary relief
Consumer complaint received 2022-02-06
Company: Experian Information Solutions 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:
Experian will not provide me with a complete and accurate report as required by law. They did not conduct the FCRAs required and legal investigation based on my factual dispute ( re : XXXX XXXX XXXX Acct # XXXX ) In Experians notification to me ( Report # XXXX Date : XXXX ), I was informed that they would not reinvestigate my dispute, even though they could not provide proof that they processed my initial dispute. 

My credit report does not reflect an update that would coincide with an investigation. The last update for this account is XX/XX/2020. My report is also missing its Notice of Dispute, which means Experian never investigated my dispute.

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 2023-06-29
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
Only on my Experian credit file, it shows I have a late payment for a XXXX  XXXX XXXX ending in XXXX that I have closed and I know I made a final payment before it closed. The late payment only shows on my Experian and not my XXXX or XXXX credit report. I do not believe this is fair because I have never had a 30 day late payment on any of my credit accounts. I have dispute the results with Experian and they have told me that the missed payment is correct even though it is not. After that I have called XXXX XXXX customer support and they have confirmed with me that a payment has been recieved. I was then informed to send a letter to XXXX XXXX which I have and received a letter stating that the missed payment is still accurate. I don't know what my options are now to get this removed.

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 2022-02-06
Company: EQUIFAX, 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:
These accounts do not belong to me, please bock and remove according to 15 USC 1681c-2.

Company response to consumer: Closed with explanation