BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
fraud done on best buy card, denied statement to dispute charges - 
called many times -

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 2017-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
From XX/XX/XXXX to XX/XX/XXXX there has been several hard inquires that I did not authorize and they refuse to validate the applications and remove if no application for credit is verified. I have attached 2 examples where these hard inquires have not be accurately verified and validated.

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 2023-08-12
Company: Experian Information Solutions Inc.
State: SC
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 XX/XX/2023 Experian, XXXX, and XXXX were all sent Factual dispute letters. Since that time no correction has been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: MA
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 is 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23
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 have reported both credit reporting agencies as they are violating the FCRA. I have submitted several disputes with these companies for an item under XXXX XXXX XXXX   reporting on my credit. This account has come back as verified yet both companies have failed to provide substantial evidence that this account is mine per the FCRA. I have asked for methods of verification as E-Oscar is not a reasonable method for verification. I have received nothing to date. I am filing a final complaint along with a letter from this company confirming that they don't even have an account with my name attached. I would like to know how these CRAs are verifying information when the company furnishing the information states the above in a letter I have attached. 

I will be filing a lawsuit against this company for damages and would like this report filed so that it can be submitted as evidence to the courts. 

Along with this previous violation, I would also like to add that per the FCRA, the account has not been noted as disputed by consumer with in 30 days. This is another violation of my rights and I will be seeking damages for the same. I have attached an updated credit report as well as documentation showing the original date of dispute to confirm my claims. 

To be clear, TXXXX has not responded to my recent correspondence of the matter.

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 2023-12-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've expressed my complaints regarding identity theft on multiple occasions. Within XXXX business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( XXXX ) suitable identification proof ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the consumer 's identification of the relevant information; and ( XXXX ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Not that The CFPB has been useful any oother time I have submitted a complaint about Ditech but to create a paper trail for the lawmakers I will involve again here goes Ditech has refused to provide the pay off quote for my loan for the last 2 years. It started when it was noted misappropriation of funds that you were already made ware of and did nothing about. Now I have sold the house and scheduled to close in a week and Ditech is telling two different things again regarding providing the pay off quote again My guess is to fudge the numbers again. I don't really understand why the web refers the CFPB to help in situation with fraudulent services like Ditech and you have no enforcing power as one of your representative stated but whatever. In addition due to fraudulent activities detected on my account with a previous insurance company ( changing the policy three times in the same policy year with notification to me ) Ditech no longer pays my insurance directly I do to ensure the matter does not repeat .Ditech every yearstates to provide proof of insurance and whenI do they demand that the mortgagee be listed Ditech Finacial LLC and its affiliates and or assigns. I have requested in writing for over 2 years the name of the affiliates and have never received a reponse. therefore Ditech was removed as the mortgagee for failure to disclose.However, Ditech called my current mortgage company and requested that it be applied again and that if I call to have it remove to cancel my insurance, ODD when I hazard insurance is required for the loan but then I get a notice stating that now itech provides Hazard insurance and they can cover me. I declined and remained with my current insurnace and had Ditech removed as the mortgagee

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX 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 2023-08-12
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act this creditor ( XXXX XXXX XXXX XXXX ) has violated my rights under 15 usc 1681 section 602. States I have the right to privacy.. 15 usc 1681 section 604A section2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666B a creditor must not treat a payment on a credit card account as late on a open end credit card account for any purpose

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 2022-10-20
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I'm writing to delete the following information in my file. The items I need deleted are listed in the report. I'm a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the affidavit to this complaint. Please be advised that the unverified items remain on my credit report have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My information was compromised via XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2021 I noticed my XXXX account was tampered and I attempted to have the fraudulent transactions stopped which continues and reflecting on XXXX, transunion, XXXX as closed derogatory with XXXX. The inactive XXXXXXXX XXXX was used to fund all the fraudulent charges processed through XXXX which placed the bank in negative balance and in XXXX XXXX. The 3 consumer reporting agencies did not notify me this account reporting and failed to establish validity. all fraudulent transactions linked to the XXXX XXXX XXXX XXXX  XXXX now showing on all my consumer reporting agencies profile. I saw fraudulent name and addresses listed also on my profile. 
This has damaged my credit and causing emotional stress, financial strain and prevents me from refinancing my home. I was never notified of the fraudulent transactions by XXXX XXXX XXXX. I attached my identification of evidence of assurance and ssn card for the case

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 2022-10-20
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I'm writing to delete the following information in my file. The items I need deleted are listed in the report. I'm a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the affidavit to this complaint. Please be advised that the unverified items remain on my credit report have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items 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 explanation
Consumer complaint received 2022-09-13
Company: Jim Bottin Enterprises, Inc
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I enrolled for Personal Training on XX/XX/2022, and on XX/XX/2022, I received the contract via email to an email which I really view ( XXXX ). When I received the contract I reviewed it and it states " You must provide written notice of cancelation delivered or sent via mail or email XXXX, so I did and continued with my business. After XXXX continued billing {$43.00} on mXXXX XXXX XXXX for four continues months I logged into my email address and noticed that I received a reply dated XX/XX/2022, stating to contact my Club for cancelation because they can not assist me ( view Attached XXXX XXXX XXXX XXXX ). I've gone to the GYM and spoke with XXXX XXXX the Fitness Manager regarding this issue and he stated that he would take care of this issue. On XX/XX/2022, I had a conversation with XXXX asked me to email him a copy of the email that I've sent and that he would handle this ( view attached Urgent Proof of PT Cancelation Doc ). Several days went by and I have not received an update from XXXX, so I went to the GYM again, and he requested for me to re-type the cancelation request and explain why it wasn't clear, so I did ( view attached Revised Cancelation Letter ). Then as more time went by I contacted my Credit Card company and disputed the 4 charged of {$43.00} each and from a temporary credit they became a permanent credit and the merchant didn't respond. I spoke with XXXX from XXXX and he froze my PT training contract so I would not be billed. Until today, XX/XX/2022, I received a voice mail from XXXX from a collection company stating that I own XXXX XXXX {$600.00} and change for the personal training contract. I advised her of ALL the process that I have gone through to get this resolved with XXXX XXXX, offered to email her ALL documents so she can contact XXXX XXXX since there is no easy way to do so, but XXXX declined, so I drove to the GYM, and spoke with XXXX and he told me that he accessed my account and it shows that I owe a XXXX ( {$0.00} ) balance and all of the {$43.00} charges have been refunded and if the account would have charged off and gone to collections it would show an existing balance on the account. At this point I don't know who to believe and all I know is that they are claiming each other and they are ALL dropping the ball and this is going to impact my Credit Report. There are multiple regulations that they are violating. 1 ) Sales Practice- Not disclosing all the details on the contract. 2 ) UDAAP - their contract states that you can email to cancel the contract, but then they say that you have to contact the GYM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
CFPB, Transunion has failed to correct my credit report involving an account with XXXX XXXX. 

I recently received a copy of my credit report and found that Transunion is illegally reporting inaccurate, non compliant, and false information about me. The following alleged collection account is not only listed as an OPEN but also having a past due balance of {$1900.00}. 

Account name : XXXX XXXX  According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and they are required to remove any information that is not true, verifiable and accurate. 

Please immediately remove this account from my credit report and get them to seend an updated report showing their compliance with all METRO2 reporting standards and this account removed upon completion.

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 2022-08-06
Company: EQUIFAX, INC.
State: MI
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 appreciate CREDIT BUREAUS ' time to REMOVED some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 XXXX, EQUIFAX and XXXX are required to remove any items listed on an ID THEFT REPORT XXXX. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please remove the followng items Per FCRA 605B ( 15 U.S.C. 1681c-2 ) : XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX, MI XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; DEPTEDXXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I 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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$8900.00} XXXX XXXX XXXX XXXX : {$8900.00}

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 explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX CO XXXX XXXX XXXX & CO XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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