BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and remove : XXXX XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : {$0.00}

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 2017-07-12
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
A overseas call center for a creditor in approximately   XXXX   input my name incorrectly as  XXXX   XXXX . That name now shows as an alias on my credit file. I have disputed this with  XXXX  who stated that according to the creditor the information is correct even though I stated in writing  XXXX   XXXX  IS NOT my name, was added by an overseas call center employee who could n't understand my   XXXX   XXXX  , and I HAVE NEVER used that name!  XXXX  REFUSES to correct the error!!!!

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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$12000.00}

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 2023-12-11
Company: EQUIFAX, INC.
State: WI
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:
XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2017 This account has incorrect information, I want it removed from my credit 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 2022-01-21
Company: MRS BPO, LLC
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received text messages and phone calls from MRS BPO LLC about a collections balance. The offered me a settlement of {$3700.00} to pay off a balance for XXXX XXXX XXXX student loan account that was in collections. XXXX XXXX told me that I had until the XXXX of XX/XX/XXXX to pay the balance. XXXX XXXX XXXX XXXX lend me a loan for the balance to be paid. After the balance was paid XXXX said that XXXX XXXX would be notified that the balance was paid in full. After several attempts to contact XXXX I finally got in touch with a representative today XX/XX/XXXX, and she said that she had not heard of the company MRS BPO LLC and that they may have had me pay a balance of a loan, that had already been removed from my credit. One of the loans was removed from my credit in XXXX when I appeared in court. The representative had been believing that I was paying a collection balance that was " currently '' reporting on my credit from XXXX XXXX. Instead this company had me pay a balance that I was no longer obligated to pay and had already been removed from my credit. I want my money back and this business to be reported for bad business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: American First Finance, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XXXX I received a collection notice from American First Finance in regards to a collection account in the amount of {$730.00} and while I have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692k CIVIL LIABILITY consumer is requesting {$1000.00} USD for violating me directly and causes of mental confusion and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Professional Credit Management, Inc
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been harassed at XXXX point daily for money I did not owe. I could not afford a lawyer and they took me to court even after never serving me papers or letting me know. I have time and time again disputed this amount as I do not owe it and it's a result of identity fraud that occurred. I have proof from the IRS that this happened and they refuse to acknowledge it and would rather threaten me and call members of my family in an attempt to collect a debt that doesn't belong to me and is being falsely attributed to me. 

They have also never once provided any evidence or proof that this is mine and have no way of certifying 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 2022-01-21
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened an account in the Citibank branch on XXXX XXXX ( XXXX, CA ) upon advise by the banker that this account would earn a cash bonus after 60 days. It has been over 1.5 years and I have gone to the bank several times, contacted customer service, filed investigations, and still no bonus. Every time they give a different reason - old account was closed, didnt open checking alongside, etc etc. No one is able to resolve this issue in Citibank and they keep asking me to go to the branch in person. 
The branch manager opened my account and promised I will receive a cash bonus - still no one is able to address the non payment of bonus. Looks like they scam customers by promising cash bonus and then give a run around when it is time to give the bonus. Heard many other customers have a similar issue.

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 2023-02-24
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 am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

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 2022-01-21
Company: MOHELA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Mohela contacted me XX/XX/XXXX informing me they are now servicing my student loan. I paid in full to XXXX XXXX on this loan already with paid in full notification XX/XX/XXXX. I called mohela and XXXX a phone supervisor said fedloan made mistakes and i emailed my proof of payment to him.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened:XXXX  Balance : {$81.00}

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 2023-01-24
Company: EQUIFAX, 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 submitted an FTC Identity theft report ( FTC report Number : XXXX ) to Equifax on XX/XX/XXXX in regards to 5 fraudulent accounts and 2 fraudulent inquiries that are reporting on my Equifax credit report. Equifax is not complying by the rules of the FCRA to disputed fraudulent accounts by not blocking this accounts and inquiries. 

Accounts are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 

Inquiries are as follows : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX I have made numerous unsuccessful attempts contacting Equifax to have these fraudulent account and inquiries blocked after providing the requested documentation under the FCRA. These 5 fraudulent accounts and 2 fraudulent inquiries are still being reported by Equifax and continue to unfairly affect my credit report negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: EQUIFAX, INC.
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 became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XX/XX/18 I applied to a web page that pop up on XXXX that if I applied for this credit card I would get {$100.00} of a flight that I was booking. I applied and was approved with a credit limit of {$6800.00}. than the screen went black. I called the company and asked how will I know that the XXXX went through the representative said it will show up on your first bill. A few days later I call the company again Barclay and was asking about the charge for the tickets and about the {$100.00} credit. The rep said there wasnt any charges on this account. I said well I received confirmation of the flight how did I get the tickets if it isnt on the charge. Rep said he didnt know. I hung up and was trying to figured out what happened and thought maybe they charged my XXXX XXXX Card. Sure enough when I called the charge was put on my XXXX XXXX Card. When I called Barclay about the XXXX that I was suppose to get on the tickets he said I need to make a purchase again and they would apply the XXXX. I told him the whole purpose of me applying for the card was to get the {$100.00} off the tickets that I purchased on XX/XX/18. He said there wasnt anything he could do.

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: 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED 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 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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: Problem with personal statement of dispute

Complaint:
Upon reviewing my credit report, I have discovered several fraudulent inquiries and accounts that are related to transactions which I did not initiate : I am disputing these entries on my credit report under the Fair Credit Reporting Act, as amended by the Fair and Accurate Credit Transactions Act. 

The transactions represented by these entries were not made by me, but rather by an imposter. Therefore, I request that you block these disputed entries from my credit report as they are a result of identity theft. 

I have made a report with the FTC Report Number:XXXX  I have filed two police reports with the XXXX Police Department about this matter and I received letters that state that this fraudulent account is verified and accurate. I have requested to see how this account was validated. And for 2 years I have never received a response from TransUnion or XXXX XXXX. 

This account is fraud and I need it 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 non-monetary relief
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 recently reviewed my recent credit report and there were unauthorized inquiries made without my knowledge that I did not initiate. I have been violated!

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 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am contacting you to request the deletion and removal of the accounts and information mentioned below from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as their inclusion is a direct violation of the FDCPA and FCRA. I kindly urge you to take immediate action to delete and remove these accounts and information from my consumer report, as their presence violates multiple laws. Please ensure the prompt removal of these accounts and information.

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 2023-07-01
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX APT XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$6600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: WI
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:
equfax XXXX XXXX XXXX reporting a false collection it was XXXX not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am a XXXX XXXX XXXXr and our office is very busy. Portfolio recovery has attempted to call multiple times a day. This is intrusive and disruptive.

Company response to consumer: Closed with non-monetary relief