BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-22
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt was handled wrong by XXXX XXXX XXXX XXXX. They messed up billing my insurance company and I was the add on in my fathers work insurance policy. Regardless how they handled it, the California Statute on time frame of medical debt is 4 years with credit reporting. I have had this debt longer than that and would like it removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
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: Investigation took more than 30 days

Complaint:
I called multiple times and I was advised by your representatives to submit my disputes via letters. I've been sending you guys letters for the past 7 months and no one helped me or even deleted anything from my report. This is ridiculous I can't take this anymore. I want to buy a house and this is holding me back from doing so. Therefore if these accounts are not deleted within 30 days I will take legal actions and file a law suit if needed. Credit reporting rules require that every effort be made to guarantee that the information disclosed is entirely accurate and correct. Only 100 % accurate credit information may be reported by agencies. This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded.

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 2018-10-23
Company: CITIBANK, N.A.
State: MN
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:
Dear Madam/Sir : A check of credit balance for {$66.00} was issued to me on XX/XX/2018 by the Citibank, perhaps because of the part of the policy not to hold consumers ' credit balance for more than 2 months ( and not at my request, I never made such request either verbally or in writing ). Even before issuing this check Citibank put a charge ( debit ) on my account for {$66.00} on XX/XX/2018 and then issued the check on XX/XX/2018. ( plase see the XX/XX/2018 statement sent to you ).  The Citibank says that a debit of {$66.00} was put to my account to remove the credit balance, which is quite illusive and misleading. If the credit check was issued to me be by mistake for which I was not entitled then only a charge could have been pushed in to counter it, else the charge should not have been pushed in. This action has reduced my credit balance for the month of XX/XX/2018, by {$66.00} or voided the check already issued to me.. 

So far closing my account wih the Citibank is concerned, I did not just close my account because of this, but due to many other reasons including unjustly denial of my conditional credit by Citibank, saying that it gave me condional credit even befor I initiated the dispute orr even before I purchsed the item in dispute. 

Even after closing my account with Citibank, Citibank called my home on XX/XX/2018 at XXXX XXXX from the phone # XXXX, registered with CITI ( Call log attached ). This is unethical on part of the Citibank. This contitutes a harrassment to vulnerable adults in the state of Minnesota also violates federal rules and Citibank 's own policy. 

Regards,

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 2023-05-02
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:
On XXXX XXXX Ive submitted letters to the credit bureaus to provide me with verification of the accounts in question ( XXXX, XXXX XXXX ), which they have failed to provide me with any information. 
On XXXX XXXX Ive submitted letters to XXXX to remove all unrecognizable hard inquiries that I have no knowledge of and to provide me with any information of my consent to these accounts.Theyve yet to provide me with information on the accounts.

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 2018-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and TransUnion LLC, XXXX  and XXXX are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The bureaus have failed to  comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact these bureaus about their illegal behavior and have then comply with federal law and respect the rights of Identity Theft victims, such as myself.

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 2020-10-18
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have filed disputes with Experian for the last 6 months and they are not investigating or sending method of validation as I have requested. They are refusing to investigate claims that are not valid. This statement is on my credit report : XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED  FOR 1 YEAR BEGINNING XXXX. Experian has permitted inquiries which I have not authorized as I'm not trying to obtain credit because I'm in the process of disputing items that are not correct and this statement clearly states that Experian should not allow this to happen and I would like them removed. I have disputed two Bankruptcies : US BKPT CT IL  XXXX XXXX XXXX Bankruptcy ChapterXXXX-petition filed Original filing date : XXXX XXXX, XXXX Latest status date : XXXX XXXX, XXXX US BKPT CT IL XXXX XXXX XXXX Bankruptcy chapter XXXX-discharged Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX and they are not investigating these or verifying they belong to me. The courts do not verify information and XXXX obtains public information which they state may not be  correct. I have contacted XXXX and my account in frozen with them and can ; t be accessed so how is Experian validating information XXXX says may be incorrect because they can't validate this information as stated on their website and dcoumentation they send you. I have 19 inquiries and I have not authorized any of them and would like them removed and several are from the same company multiple times.Experian is allowing these companies to update my credit reports based off information in the disputes that I'm providing during my disputes instead of deleting them for inaccurate information. They are not investigating XXXX  but allowing them to update an account that is  charged off with dates that don't make sense or add up. Experian is allowing inaccurate information to remain and are providing the companies with the disputed information to allow them to update my report incorrectly instead of deleting the information. I have not filed bankruptcy but Experian is reporting that I have and have listed two accounts as being in bankruptcy but yet XXXX  is not included. This  misinformation is enough for the bankruptcies and the XXXX XXXX, XXXX and XXXX  accounts to be removed. I would also like the method of validation not verification but validation per FCRA to be mailed to me.

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 2020-06-04
Company: LEXISNEXIS
State: NC
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:
I have reached out to XXXX XXXX on several occasions asking them to supply me with thXXXX XXXX XXXX   information they are using to 'validate ' judgements they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also supply the correct information to me. I have contacted the deputy clerks of each district and they have assured me that they do not supply 3rd party including credit bureaus information about court cases. XXXX XXXX has misled and deceitfully reported information that they have not properly investigated. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. Below is a copy of a letter I sent to XXXX XXXX This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in credit reporting, regarding the entry being reported under By not replying in a timely manner to my initial letter XXXX XXXX has not only violated federal law, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be aware that I am making a final goodwill attempt to have XXXX XXXX clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious errors in reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX., No. 95-6445 (  C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action XXXX or in-action ) on your behalf will result in a small claims action against your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
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: Public record information inaccurate

Complaint:
I contacted Equifax, XXXX and XXXX via certified mail and return receipt regarding a bankruptcy showing in the public record section of my credit reports. I asked them to validate this bankruptcy and to provide proof of this. I have asked for copies of documentation associated with this account bearing my signature. They simply verified this information by utilizing their automated computerized system XXXX and due to this they just updated it. I contacted the court to see if they indeed report to the credit bureaus. They sent me a letter back stating they do not report bankruptcies to any of the 3 credit bureaus. My XXXX XXXX information is frozen and I also opted out of them selling my information to anyone. These credit bureaus are reporting false information which is a violation of the Fair Credit Reporting Act. This public record needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX. 

Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$6.00}. A Charge Off/Close Account must show {$0.00} balance.

2. Delete this account, because it shows a Past Due Amount {$6.00} and a Charge Off/Close Account must show {$0.00} Past Due.

3. Delete this account, because it shows Payment History reported consecutively as NEGATIVE in XXXX, XXXX ; XX/XX/XXXX ;XX/XX/XXXX year ; XX/XX/XXXX year XX/XX/XXXXyear. Late payments reported - 30 days late XX/XX/XXXX ; 30 days late XX/XX/XXXX ; 60 days late XX/XX/XXXX ; 90 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX, shows 46 charges offs. A Charge Off/Close Account must show NO Payment history or consecutively as N reported on my credit report.

4. Delete this account, because it shows credit limit {$6000.00} on a charge offs close account.

Please delete this account, and send me a new report.

I need to apply for a mortgage in 2 months and this is an urgent matter.

I have attached my Experian Credit Report and circled the violations, Experian violated in red color.

Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2018-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am a victim of Identity theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and TransUnion XXXX, XXXX and XXXX are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The Bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please Contact these bureaus about their illegal behavior and have them comply with federal law and respect the rights of Identity Theft victims, such as myself.

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 2017-06-20
Company: Comerica
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
DirectExpress Debit MasterCard XXXX XXXX XXXX XXXX TX XXXX Trying to steal your Social Security or other Federal Benefits. XXXX If you call their " Customer Service '' number, you are automatically signed up to have them sent your Social Security, or other federal, benefits. You then have to pay to use the funds. <P/>It says they have the US Department of Treasury, Financial Management Service " permission '' to use the mumbo jumbo. <P/>Thieves. Scammers. Semitic Smile on the female dog that is on their misleading flyer. Texans. <P/>The stress of thinking I could lose my money this way, fear of having to pay to use my money, deserves damages compensation. <P/>{$10000.00} due me, in full, Immediately. <P/>XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
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: Investigation took more than 30 days

Complaint:
On XXXX of 2018, I informed the finance company ; XXXX XXXX that I was refinancing my home and that they would pay off the remaining balance of the vehicle. In XXXX, XXXX finally responded and sent me the wrong payoff balance for the XXXX XXXX. The title company tried repeatedly to get the correct balance to no avail. Finally, I XXXX, the title company sent me a hard paper check in the wrong payoff amount to which i sent to XXXX XXXX, since the amount was wrong, I still owed a small balance and I paid that off in XXXX. In the meantime, XXXX marked me late 30 days for the month of XXXX, reported the late to the credit bureaus, then marked the account paid in full in 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 2022-08-25
Company: Self Financial Inc.
State: MS
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:
XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX According to my records, I have paid in full along with on time payments. I would like for you all to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
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: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on 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 2019-11-04
Company: First Advantage LNS Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
National Credit Audit company removed debt from credit report but it was added back and I have yet to receive any notices of how it was verified and why the debt was re-added {$2900.00}. The original creditor was unable to send verification. The complaint is that they are not providing the documentation used to verify this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
AS OF XXXX XXXX XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE
XXXX XXXX XXXX XXXX
AUTHORIZED USER
Credit usage
40%
Balance
XXXX  Balance updated
XXXX XXXX XXXX
Credit limit
XXXX  Account info
Account number
XXXX  Open/closed
Open
Date opened XXXX XXXX XXXX  Account type
Credit card
Status
Open/Never late.
Status updated XXXX XXXX  Highest balance XXXX
Monthly payment XXXX
Last payment date
XXXX XXXX XXXX
Contact info
Address
XXXX XXXX XXXX XXXX XXXX XXXX
Phone number 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 2023-01-12
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: AES/PHEAA
State: MD
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:
On My credit report show a few accounts closed and in delinquency. 

Student loans accounts are in a payment plan, how ever this accounts are showing late and that needs attention on a make a payment. 

All my student loans are out of defaults. 

thanks,

Company response to consumer: Closed with explanation