BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-25
Company: CITIBANK, N.A.
State: NJ
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've recently pulled my free annual credit report from XXXX. I've learnt that Citi Bank pulled my " hard '' report in XX/XX/XXXX. I understand that this negatively effect my credit score. I disputed this information via XXXX 's website. Upon receiving an email that my dispute was completed I called to find the results, since XXXX 's website wasn't working. I was told that I have to contact the creditor directly to dispute the information. I explained to the representative that I've tried but since I don't have an account with Citibank and I've never opened one - they won't talk to me. And in addition, XXXX released my credit information to Citibank without my authorization. Therefore, XXXX should be responsible for removing this information from my report. The representative said that she was sorry but she couldn't help me. I requested to speak to the manager, and once I did that the representative turn on the music and disconnected me.

I recall that in XX/XX/XXXX I attempted to apply for a credit card with Citibank, however I never gave them authorization to pull my credit report. They've sent me a Release Authorization form two times and both times they claimed I didn't complete it correctly so I gave up on them assuming that they won't pull the report without authorization. I've never received any other correspondence from Citibank. I don't have an Adverse Action letters or any other information required by the Fair Credit Reporting Act.

Please help me remove the hard inquiry form my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX  opened up account FRAUDULENTLY IN MY NAME. XXXX XXXX XXXX needs to REMOVE ALL inquiries and balance FROM ALL THREE credit reports : XXXX, EQUIFAX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX, XXXX, XXXX Wrong Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX Date Updated : XXXX/2018

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 2019-07-08
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:
These 2 accounts & 2 inquiries are not mine : XXXX XXXX : {$2100.00} - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$1900.00} - XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have noticed this collection on my credit report on XX/XX/XXXX for {$980.00} reported to have been passed due since XXXX of XXXX. I checked with my insurance company and no such medical bill for that amount was presented on that month or previous months for this amount for any family member or myself. I have tried contacting the company but there is no answer at times set for this company as well never getting a letter of notice or proof of this debt.

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 2020-10-09
Company: Conduent Incorporated
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XXXX XXXX I discovered my PA Eppicard had been compromised. I reached out to Eppicard and its been horrible dealing with the representative at this company. Im on hold for hours and hours, hung up on and giving conflicting information. Ive submitted in all necessary documents within the requested timeframe and have not been given a provisional credit. XXXX XX/XX/2020 I call in concerning another issue and the representative mentions that there has been no decision made on the provisional credit by the investigator. I advise the representative thats not my reason for the call however since he mentioned I asked how long does the investigator have to decide on if a provisional credit will be issued. The representative explained there is no time frame. I asked to speak to a supervisor because that is not what was explained to me by a level 3 supervisor on XX/XX/2020. She explained that they had until end of business on XXXX XXXX to give a provisional credit. I need to have this resolved. I need to be given correct answers. Per Regulation E, I thought banks had 10 business days to issue a provisional credit. I asked to speak to a supervisor on XXXX XXXX and was transferred to a supervisor by the name of XXXX. Somehow while speaking to XXXX her call disconnected and even though the company has all my contact information there was no return call from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
See the attached document. 

Despite providing proof of insurance, escrow payments were taken from our account. It took over 6 months to rectify this situation. 

See previous complaint : XXXX which was dismissed as I was not on the account at the time. This has now been corrected.

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 2021-12-01
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: Personal information incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion Inquiry XXXX XXXX- Inquiry from XX/XX/2019 Institution Information XXXX XXXX XXXX , ND XXXX ( XXXX  ) XXXX This company pulled my credit without my authorization/notice, i contacted the company multiple times by calling and sending letters and i have yet to receive a reply. I'm trying to inform them that this has to be a misunderstanding or fraud. I'm at the point to where i'm going to report this company for fraudulent activity ( Pulling credits without the person permission ) if my issue can not be resolve this time 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 2020-10-09
Company: Nelnet, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I have been a victim of identity theft for several years and I recently contacted the Ohio Department of Education to have my information ceased sharing with any third party company. 

I have also filed a claim against XXXX  for the most recent data breach in which I was impacted and can be seen by my attachment. They sent me a response stating they do not disclose my information to third parties for marketing purposes, however I specifically asked to stop sharing all information regarding my account to third party vendors including by not limited to XXXX, XXXX, and XXXX  and was denied. 

My accounts are continuously being violated and all entities are soliciting me for paid services to " protect my identity '' although it has already been stolen and continues to be used for fraudulent accounts or applications that I did not authorize. 

I have used the security freeze option and fraud alerts that they provide however, when I am applying for any credit and have those things lifted. I am immediately hacked with someone verifying my information with the knowledge of my student loan history as a verification method. I would like to have a relationship solely with the Ohio Department of Education without them continuing to supply my account history, status or anything of the like with non-government entities such as XXXX, XXXX, and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: NV
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 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 a account without my written instructions. The following Accounts : Original Creditor : XXXX XXXX  Debt holder : XXXX XXXX XXXX  Balance : {$950.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports XXXX XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$1800.00}

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 2021-08-16
Company: KLS Financial Services, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
KLS financial has a {$640.00} negative charge reporting on my credit report for XXXX XXXX. XXXX XXXX filed for bankruptcy and went out of business in 2017. XXXX XXXX no longer exist. The name XXXX was purchased by XXXX XXXX. I called the corporate office and I was told that I debits were settled in the bankruptcy and KLS Financial has no legal grounds for that company anymore because they no longer exist. XXXX XXXX sent me an email stating that I would receive a refund back for the order that I returned. I received the wrong items and returned them. XXXX also gave me a gift card because they made a mistake. I filed a dispute with Visa and won. KLS is holding me responsible for a charge back that I won with Visa. This is a breach of contract. Customer have the right to dispute charges and cant be recharged by a company after winning a dispute. This is illegal to recharge me for something that I didnt Authorize.

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 2019-05-15
Company: EQUIFAX, INC.
State: SC
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 was disputing inaccurate information on my credit report with Equifax. And some how my disputed information was shared unlawful with other companies of dispute. For example I was disputing a company here in South Carolina name : XXXX XXXX and Equifax mailed them my research request from with other disputes with different companies that was being disputed as well. That very unlawful for Equifax to share my other disputes with sunset finance as well as other information. I have proof letter from sunset finance mailed to me with everything Equifax mailed to them in which XXXX XXXX mailed to me. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-25
Company: LEXISNEXIS
State: NY
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:
All three credit bureaus are reporting a Bankruptcy Chapter XXXX from XX/XX/XXXX on my credit reports, however, XXXX immediately removed it upon my request, yet XXXX and XXXX continue to report it claiming it obtained the public record from LexisNexis. I sent my first letter to LexisNexis on XX/XX/XXXX via certified letter ( letter and certified receipt are attached ) and they did not respond within 30 days, therefore, violating the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ). I then sent my second letter on XX/XX/XXXX via certified mail ( letter and certified receipt are attached ). I also asked for a copy of my credit report on XX/XX/XXXX and have yet to receive it, therefore, I called LexisNexis yesterday to enquire and they basically had no answer, so I decided to ask about the letter regarding the 'Bankruptcy Dispute ', I spoke to XXXX and he said he had good news, that there were some items removed, however, not the Bankruptcy. I've never seen the credit report LexisNexis maintains under my Social Security Number, so I'm not sure what good news he had for me and he did not disclose that to me. Nonetheless, LexisNexis failed to respond to me violating the FCRA section 611 ( a ) ( 1 ) ( A ), therefore, they must remove the Bankruptcy and issue me a letter confirming as much. Lastly, Federal Law Rule 9037 prohibits their validation methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
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: Their investigation did not fix an error on your report

Complaint:
I traded in a vehicle in XX/XX/XXXX. That vehicle was paid off by the dealership in XX/XX/XXXX as Experian Evan states on the telephone yet there is a report of a negative payment in XXXX which of course is impossible seeing as how the account was paid in full in XXXX they refuse to remove the negative payment history in XX/XX/XXXX even though they know the account was paid off in XX/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 2020-02-04
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
The only options that I have been offered by Navient are forebearance, income sensitive repayment, 9r graduated repayment. My income has not increased but actually decreased. My loans originated in 1999  and have higher balances now than origination. I can not afford the standard payment options offered. Forebearances have only increased my debt, resulted in additional interest and not benefited me. The consequences of forebearances were never explained and always offered as sson my loans went delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was recently added as an Authorized User to an American Express credit card without my knowledge. Reading the FDIC website for consumer protection Section 226.12 paragraph 12 ( a ) ( 1 ) states that a request or application for a card must be explicit. However, # 6 of the same paragraph allows the primary cardholder to request a credit card for anyone else. 

Apparently the exploitation of this legal-ese grey area allowed the credit card to be opened which then caused my credit score to decrease by nearly XXXX points ; in effect holding ME financially responsible for its use. 

When the account appeared on my credit report I immediately reported this to the credit bureaus and the CFPB : as not being my account, nor did I submit an application, or give approval to be an authorized user. The response from American Express to the CFPB complaint was that they are reporting accurately. 

My question isHow can an issuer give credit without authorization, affect my credit by reporting an account I did not authorize, and advise they are reporting an account accurately? Is that some type of childish word game? e.g. their response was almost mocking ; it may be fraud, but were reporting it accurately! 

I called the CFPB when I received the complaint response and was advised to write the FTC. Per their suggestion I have written the FTC the details of the unfair practice. 

I would like to submit this complaint/ account as fraud to stop any reporting to my credit report. I, again, did not request this account, have ever requested credit from American Express, or have knowledge of its opening, not will I ever request an account from American Express in the future. Also, all this was done while my credit line was purposefully frozen. 

My next course of action is a local consumer protections attorney as I am currently loan shopping. This fraudulent account ( and credit score reporting ) is causing a burdensome financial impact by affecting my chances at better tiered rates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX {$0.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX {$1800.00} XXXX {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX XXXXDate of inquiry XX/XX/2019

Company response to consumer: Closed with explanation