BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-29
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My Citibank credit card is being reported inaccurately by the fact that each bureau is reporting different dates for the late payments also account name does not match on each bureau.

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 2018-11-08
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am filing this complaint using information obtained from Experian credit reporting agency. 

On XX/XX/18 I filed a dispute on my Experian credit report. It was showing that I had 3 public record reports. A few days before the 30 day deadline, it was closed with no change. I contacted Experian, to see where the information come from. 

Experian gave me a tremendous run around, then ended up naming multiple companies as the source. I am filing this complaint on all of the services that Experian stated where involved. I am hoping that if you where not involved, that you will at least provide a letter stating that you did not report the public record information to be true, and correct as Experian has stated. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, La XXXX XXXX XXXX The dispute timeline was filed on XXXX 2018. Once again I ask if you are not the involved party, please at least for the protection of myself, and your name a statement that you have not reported, not obtained a public record search. 

Experian is using merged information, violations of the FCRA, and there breaking the law to try to push this off on me, and others. Please I am begging you to do the right thing, and help me fight Experian. 

If you are the reporting co, please leave proper contact information, so I may call you, and get this taken care of. 

Thank you in advance, 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 2020-08-25
Company: Experian Information Solutions Inc.
State: LA
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:
The 3 credit bureaus, XXXX, Experian, & XXXX are reporting accounts that were not authorized by me. I have submitted documentations per 605B supporting these fraudulent accounts. The credit bureaus have failed to 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 2018-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
RE : REQUEST FOR REMOVAL OF INQUIRIES To Whom It May Concern : Section 609 [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], there should be no charge for this information.

Please remove the following inquiries from my report I have no knowledge of these companies. XXXX XXXX  TRANSUNION XXXX XXXX XXXX VIA XXXXTRANSUNION XXXX TRANSUNION CONSUMER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION CONSUMER XXXX TRANSUNION XXXX / XXXX XXXX XXXX TRANSUNION XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you have any questions or need additional information, please contact me at address noted below.

Thank you.

Sincerely, 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 2020-08-25
Company: Experian Information Solutions Inc.
State: WA
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:
Signed up for free credit report through Experian when I was buying a house. They started charging me monthly. I contacted my credit card company after several unsuccessful attempts to contact them. My credit card disputed it, but monthly it shows up that I owe them and I never wanted anything but the free service. I changed cards 3 times and somehow each different card with different numbers were still being charged. Finally I closed the credit card that this was being charged to> I am still being charged even with a closed 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 2018-11-08
Company: Michael Haynes & Associates, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Recieved a phone call from XXXX XXXX who identified his self as an attorney for Michael Haynes and Associates LLC. XXXX XXXX stated that he is working with a company called XXXX XXXX XXXX to collect debt owed on a lawn mower. He advised he is in the process of filing court proceedings to repossess the mower and also to take me to court for a judgement of over XXXX. He told me I could pay him XXXX and keep the mower if I did so in 24 hours. I did my research by googling their name which says they are a law firm. However the location and phone number do not belong to their company. This business is NOT a law firm but falsely says so when you google their business. This is simply a debt collection agency that tricks people into thinking they are attorneys. I've asked them to stop calling but they refuse and keep calling from different phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: TD BANK US HOLDING COMPANY
State: MD
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My TD Cash credit card was blocked by the decision of TD, which decision I do not support.

According to TD : TD credit card blocked on XXXX, unblocked on XXXX According to TD : {$500.00} charged at a grocery store on XX/XX/2020, charge posted on 14th, payment of {$500.00} posted on XXXX According to TD : {$6.00} charged at the same grocery store on XX/XX/2020, charge posted on 21st, payment of {$6.00} posted on XXXX I didn't receive the 2 % reward for my {$500.00} purchase but received instead only 1 %. 
I asked about receiving the additional 1 % and was told that I had to wait longer. So I waited at least about one month longer. 
Then I asked about receiving the additional 1 % and was told that the store from which I made the {$500.00} was not considered a grocery store. So I made a {$6.00} purchase from the same store and waited almost a month. I confirmed that I had indeed received a 2 % reward on the {$6.00} purchase. 
Then I asked about receiving the additional 1 %, letting them know that I had received a 2 % reward on the {$6.00} purchase from the same store at which I had spent the {$500.00}, and was told that they wouldn't provide it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/XXXX XXXX XXXX accessed my credit file with Transunion without my permission. This is a fraudulent inquiry, which I did not authorize, since I never authorized anyone employed by XXXX XXXX OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties  above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX  v. Trans Union Corp., No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported  immediately from the alerts I got, and placed a security freeze to my credit file. XXXX  is the only out of 3 agencies that have not put the freeze as requested, that both Transunion and XXXX did, and this in addition to several other inquiries started after the XXXX data breach publicly known.

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 2023-01-23
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: Information belongs to someone else

Complaint:
Date of Birth : XX/XX/XXXX SS # : XXXX I sent out letters to TransUnion, XXXX and XXXX requesting to Remove Inaccurate Credit Information off my credit report. 
I have the right to challenge and dispute any errors and any discrepancies on my personal credit report. 

I received a copy of my credit report and found the following items to be in error below XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX XXXX. The following personal information is incorrect XXXX : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The inquiry was not authorized XXXX BANK Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

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 2018-08-22
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter via certified mail to XXXX XXXX. To inform them I am disputing a debt. 
Pursuant to the FCRA & FDCPA I exercise my lawful right to question the validity of this debt. According to the FCRA section 609 ( a ) ( 1 ) ( A ) -There company is required by federal law to verify through physical verification of the original signed contract. 
I requested them to provide me with a copy of the following. 
Copies of any and all documents showing I agree to pay, what they say I owe Copies of their bond and license to collect in California A copy of the agreement authorizing them to collect debt on behalf of the original creditor An accounting statement on how they reached the amount I supposedly owe A copy of the original contract I signed with the creditor, bearing my signature and S.S. 
The name and address of the creditor Copies of copies are not validation and by law are not considered proof. 
Under the FCRA unverified, invalid accounts must be removed. They were unable to provide me with a copy of verifiable/ validated proof within 30 calendar days. My request for the account to be verified or removed was ignored. 
They are obligated by law to verify or law or remove. This is a clear case of unverified debt. I was given no evidence or obligation to pay this debt. It has a negative impact on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX, Ca, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: CMRE Financial Services, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CMRE is fraudulantly reporting on my credit report two medical accounts that are not mine, they are the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021 a Capital One Credit Card Representative XXXX Agent # XXXX read aloud on a recorded line the reason my credit card account was being closed is because of criminal record history that was provided to her by their reporting agency. This agent refused to provide me with the agency that furnished Capital One with this information. Despite numerous requests for the agency information that provided Capital One with the this information about me for credit purposes, I was continually stonewalled by capital and and told they had the right to deny me this information. The FCRA gives me the right to be told if information in my credit file is used against me to deny my application for credit, employment or insurance. The FCRA also gives me the right to request and access all the information a consumer reporting agency has about me ( this is called " file disclosure '' ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: Collins & Hilton Asset Group, LLC
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent this Debt Buyer a dispute letter via certified mail. They signed for it and have not responded or provided proof of the alleged debt they claim i owe. I also did some research on XXXX XXXX XXXX XXXX and it turns out that they are NOT licensed in the State of Pennsylvania to collect on Auto Deficiencies. They do have a license as a debt collector but not the state specific license to collect on Auto Deficiencies. They have violated the FDCPA by collecting on a debt they are Not licensed to. They also have not provided any proof of this alleged debt which is false and misleading. I have already consulted with a consumer protection attorney.

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 2021-08-13
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is a hard inquiry/credit pull on my Experian Report for XXXX XXXX for XX/XX/2021 which I did not authorize, I did not approve. I didn't apply for credit with them at this time. This need removed from my report! I filed a formal dispute with Experian but they said they couldn't resolve the dispute and the hard inquiry remains. 

Initially I had applied for credit with XXXX XXXX on XX/XX/2021 and they pulled a hard inquiry on that day which is fine. However, it appears they pulled it again 8 days later by mistake. I only authorized one hard credit pull/inquiry for XX/XX/2021. I did not authorize the hard pull/credit inquiry on XX/XX/2021. I only applied for credit with them one time on XX/XX/2021. I didn't apply for credit on XX/XX/2021. 

In closing the hard pull/ credit inquiry for XX/XX/2021 needs removed from my Experian Credit Report as it wasn't authorized by me. I didn't apply for credit twice with them in an 8 day period. I only applied for credit one time. Please remove the credit inquiry for XX/XX/2021.

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 2021-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On XX/XX/XXXX, the initial settlement agreement with Kohls was made for XXXX. The initial agreement was for 3 payments for XXXX, XXXX, and XXXX ( XXXX cents more for whatever reason ). Due on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX respectively. I later received a letter before the first payment was due, dated XX/XX/XXXX. The letter states the same three payments due on XX/XX/XXXX, XX/XX/XXXX, and NA. 
On XX/XX/XXXX, I called and made the payment totaling XXXX from two accounts. On XX/XX/XXXX, an automatic withdrawal of XXXX was taken out of the account. I was expecting XXXX to come out as my second payment. So I called on XX/XX/XXXX to get more information. Supervisor XXXX states the agreement was broken as of XX/XX/XXXX. Kohls is not honoring the written agreement. The representative and the supervisor would not even acknowledge the letter or give me the opportunity to make the last payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-24
Company: Experian Information Solutions Inc.
State: OH
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:
Date XX/XX/2021 Name XXXX XXXX Address XXXX XXXX XXXX  XXXX XXXX Credit Bureau Name XXXX XXXX EXPERIAN Credit Bureau Address Re : Request to Remove Unauthorized Credit Inquiry Dear Sir or Madam, I recently received a copy of my XXXX, XXXX EXPERIAN credit report and I notice there is an unauthorized credit inquiry made by ( ). I do not recall authorizing this credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiry to determine who requested this credit inquiry. 

If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am in error, then please send me proof of this. 
Thank you in advance, 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 2022-08-09
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:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX  Account # XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and 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 non-monetary relief
Consumer complaint received 2018-05-29
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/XXXX & XX/XX/XXXX XXXX at XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX pulled my credit report without my knowledge or authorization. I sent them a letter to request a copy of such application and proof of why/where/whom pulled this report. I also asked that they delete such inquiries. They responded without proof, without a copy of such online application and refuse to delete inquiries. I don't know who they are, they are somewhat local to me which is highly concerning that they are using my information to pull credit inquiries. I wish they to be investigated, I wish my 2 inquiries to be deleted and I would like such proof of whom applied for credit with my information. 


Many thanks for whatever you can do!! 

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 2018-08-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today, XX/XX/2018, I have been on this phone for 2 hours with Equifax. I have verified myself over and over and over. Equifax has placed a number of freezes that I did not request. This happened within the past 30 days because I was approved for a car loan with no problems. Now XXXX XXXX can not get into my account because of all of these different freezes that I did not authorize. Just three weeks ago, I got a car loan and no problems via Equifax report. Something happened and Equifax has tampered with my file without my permission.

Company response to consumer: Closed with explanation