BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-02
Company: CITIBANK, N.A.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am really bothered how this account appeared in my report. The fact that they did not provide any document to support the validity and truthfulness of this account is very questionable to me. As I see the report there are a lot of inaccuracies in dates and in payment history. I am asking for you help to get rid of this 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 2020-11-25
Company: Experian Information Solutions Inc.
State: OH
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 name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX. THIS IS THE 4th TIME I have had to complain about my personal information that is not correct : My name is XXXX XXXX XXXX please, please delete any other version of my name. My SS XXXX and is DOB XXXX. Please delete the following fraudulent addresses from my credit XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX. The following phone numbers are not PRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting ISSUE Incorrect information on your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes TYPE OF ISSUE Information belongs to someone else mine : ( 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. I have an unverified account from the following companies : XX/XX/XXXXXXXX XX/XX/XXXX # XXXX, XX/XX/XXXX # XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX # XXXX, XX/XX/XXXX XX/XX/XXXX# XXXX. I am filing an FTC ID THEFT report as well as a XXXX Police report. My income was affected due to the COVID 19 PANDEMIC I was never assisted with payment relief under the CARES ACTS! The CARES Act calls these agreements accommodations. I am disputing XX/XX/XXXX# XXXX late payments from XXXX, XXXX, XXXX, XXXX I was told that they would be removed due the the GOV mandated of student loans.

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 2018-11-28
Company: AMERICAN EXPRESS COMPANY
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for an American Express XXXX gold card through a solicitation I received as a result of being an XXXX platinum elite member participant. I received email notification within minutes stating my application was declined " because American Express cancelled ( my ) previous account ''. I do not recall having an American Express account. May be my wife? Or Business account? The declination letter also stated I could contact AMEX customer service, which I did. The agent that I spoke with advised me that he could not locate any prior account in my name and was unsure why I would be declined for an account. I asked if I had perhaps been an authorized user on someone else 's account and was told there was no record of that either. I have very good credit and have never been declined for a credit card, car loan or mortgage loan. I would like someone at AMEX to review my application and inform me in more detail the reason it was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
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 information incorrect

Complaint:
I will included attachments of my report I sent in about 20days ago. I have not heard from any of the credit bureaus about the police report I filled. My information was used with my knowledge! Transunion, XXXX and XXXX have not been removing the inaccurate accounts on my reports, which is hindering my progression financially and the progression of my family. I have sent 4 different disputes letters with barley any results. I called all bureaus numerus times with the past three months tryint to get this resolved. I finally had to file a police 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 explanation
Consumer complaint received 2020-05-28
Company: Experian Information Solutions Inc.
State: VA
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 hired a credit repair company XXXX XXXX XXXX XXXX to help remove negative things from my credit report. Account with XXXX XXXX XXXX XXXX  opened in XX/XX/2012 in amount XXXX shown as charge off should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, XXXX, and Experian, even after attempts of removal with credit repair company on my behalf.

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 2019-03-12
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2019, I tried to purchase a vehicle but was told that I needed to unfreeze my Experian report. I called Experian on Monday, I have spent 3hrs holding on the phone, I have been passed around, and still my credit report remains frozen. I moved states for a new job and I can not open a new bank account or a buy a car because Experian is awful. I had no issues with XXXX or XXXX, at this point I feel as if my credit report is being held hostage and I deeply regret ever freezing my experian 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 2019-03-02
Company: WELLS FARGO & COMPANY
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
I was reviewing credit card statements and noticed that a XXXX   charge of {$19.00} has been charged every month starting on XX/XX/18 to current. This is a service that I never signed up for!

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 2020-05-28
Company: The CBE Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This agency was contacted XXXX to inquire on alleged debt. Advised that per the fdcpa I wished to exercise my right to dispute tje alleged debt and wished not to be contacted. 

I sent via priority mail a request for validity which arrived to them on XX/XX/XXXX. I got a letter dated XX/XX/XXXX stating they are ceasing collections just to be told on XX/XX/XXXX oh we are not. 

My written verbal cease n desist prohibits phone calls, not written communications yet CBE group wants to try and intimidate me. 

What they sent doesn't validate the debt and is a joke!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The following account was opened in my name without my consent. Therefore, I am disputing the validity of this debt and requesting for the creditor to remove this fraudulent account immediately from my XXXX  credit report. Thanks. 

American Express

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2017. I received a call from XXXX XXXX explaining that their corporate office had noticed a few mistakes that were made when signing the lease. The errors that were in questions was the rent amount that was proposed on the day of lease signing and how it was going to change because of a employee mistake. The day of lease signing these errors should have been brought up not one employee was diligent enough to pay attention to the details and protocols that they were trained to do. This resulted in XXXX XXXX terminating our original lease agreement and recreating a new one under new terms and rental price. They asked us to sign multiple times WE NEVER SIGNED ANYTHING. The error they caused was due to an untrained employee who did not provide us the correct rental amount. They then told us if we did not resign the new lease that we would have to vacate the property in which we did on XX/XX/3017.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 2018-09-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
So I am receiving a 2 letters from 2 different companies that I Owe a debt, that are now placed on my credit report TWICE. So I requested both companies to send me Verification with some type of signature which they BOTH failed to do. One company sent me a letter saying the debt was sold to them, the other one saying they are placing a judgment against me, garnishing wages from a place i am not even employed at,. Over all this is bringing my credit score down which is hindering my progress and financial stability. No proof of any debt WITH a signature was sent to me so I wouldnt even know who to pay or whos fraudulent. Im not admitting to the debt, Im seeing if any is valid, and if its not, then it should be deleted according The the FCRA!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
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: Old information reappears or never goes away

Complaint:
XXXX XXXX account was removed via succcessful CFPB complaint for non verifiable debt. Debt was added back to my reports as of XXXX/XXXX/2017. Creditor nor CRA sent any notice of readdition of the negative item to my report per FCRA. I still dispute the debt as invalid.

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 2019-03-02
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: Account status incorrect

Complaint:
The collection agency account is showing that I have an open balance of {$73.00} on my Transunion credit report which is showing as a derogatory remark ... The full balance was PIF and cleared my bank on XX/XX/18 ... I was promised that it would be cleared from my report within 60 days. This needs to be removed from my report. 

Collections : XXXX, XXXX XXXX XXXX XXXX XXXX TN XXXX Creditor : 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 2019-03-25
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:
Equifax is incorrectly reporting a identity theft account from XXXX on my credit file. I have completed an Identity theft, FTC form and submitted to XXXX and Equifax. I need your assistance in getting this item removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
XXXX transunion and XXXX have been reporting inaccurate information and under the fair reporting act this account needs to be deleted from my report. I printed a side by side Bureau from transunion XXXX and XXXX and they all have differces. My rights have been violated and I plan to file with the states attorney and than with the XXXX XXXX XXXX if this account isnt removed immediately!

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 2021-05-05
Company: EQUIFAX, 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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX, TX XXXX 2. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX 3. The following personal information is incorrect XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX 4.15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX XXXX Account Number : XXXX 5. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
US DEPT ED Account Number : XXXX 6. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
DPT ED/XXXX  Account Number : XXXX 7. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
DPT ED/XXXX Account Number : XXXX 8. FDCPA section 807 Violation misleading false reporting Account Number : XXXX 9. You are in violation of 15 U.S code 1692g medical bill or personal information should not be on my report Account Number : XXXX 10. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX Account Number : XXXX 11. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy.

DPT ED/XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: DriveTime
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:
I requested XXXX to match me with lenders. This should be done based on my credit profile, instead my credit report was shot gunned which resulted in numerous inquiries. I did not authorize any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2019 I attempted by phone and online to get EXPERIAN to remove an Alert placed under the new law. The alert was placed incorrectly and I never received text or emails of its existence. Was denied electrical service in XXXX Tn because of alert unless my wife and I came to office with proof ( social security card ) in person.. EXPERIAN has call center with individuals who can not communicate .No way to get Alert off except by mail appears to violate laws required QUICKNESS. I never asked for alert from them and had no idea it existed.

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 2023-01-28
Company: EQUIFAX, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance : {$780.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: EQUIFAX, INC.
State: NC
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:
According to NC Commissioner of Banks, XXXX is not licensed in North Carolina to provide loans therefore debt is not owed and illegal loan was sold to debt collector of XXXX XXXX XXXX XXXX and needs to be removed from all 3 credit reports in order to remove negative impact resulting in blocking of affordable living and purchase of home. Documents provided by XXXX XXXX XXXX does not include contract or signatures also stating draft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Alliance Collection Agencies, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, I requested a validation of debt and Hipaa authorization from Alliance collection agency to which they responded on XX/XX/2021 with a very detailed bill outlining ALL of my medical information. They did not provide me a HIPAA release with my signature authorizing XXXX XXXX Hospital to release my information to them. I contacted Alliance Collection Agency on XX/XX/2021 to ask if they had a copy of my HIPAA release, because it was not included in their correspondence on XX/XX/XXXX, to which they responded that they did not. The information that they did provide me with was a direct violation of my HIPAA rights. These items need to be removed from my credit report for violation. The amounts that they state I owe are, {$1500.00} and {$380.00}. Thank you for you help in resolving this matter

Company response to consumer: Closed with explanation