BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: MT
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 sent a letter on XX/XX/XXXX to remove addresses and accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX MT XXXX ; XXXX XXXX XXXX XXXX, MT XXXX ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened  XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$13.00}. 

According to FCRA Section 605B ( a ) the 3 CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-07-30
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/2022 experian contacted me and said their dispute bankruptcy remains. But this is a serious violation Experian is suppose to report accurate consumer information but they don't follow the laws they are reporting a bankruptcy that is not mine they claim that they verify this information through XXXX I've spoken to XXXX and this information was not in there system I even have the investigation report from XXXX that I sent to Experian but yet they refuse to remove this information.Experian is in Violation 15 U.S. Code 168a, The law states in 15 U.S. Code 168a under Exclusions : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.Experian is also in violation of Violation of FCRA 15 U.S Code 1681b 2, They did not have permissible purpose to furnish this inaccurate information A consumer has a right to privacy there is no public record on XXXX nor XXXX Credit Bureaus plus the information is false.

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 2022-07-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have been disputing these inquiries for already a long time and yet the Credit Bureaus have not completely completed my requesets. Once again, I am a victim of identity theft and these inquiries were the results of sduch crime. Under the FCRA section 605b, these inquiries must be removed if the Credit Bureaus are unable to prove the authenticity ans validity of these inquiries. On the previous complaints I submitted, I requested that the Credit Bureaus probvide proof oc authenticity to support their claims that the disputed inquiries belong to my name. However, the Credit Bureuas have failed to do so, therefor, the disputed inquiries must be removed. However, upon reviewing my updated Credit report, the previously disputed inquiries are still reporting which is a clear violation of the FCRA. The disputed inquiries are as follows : XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX - XXXX Inquired on XX/XX/XXXX XXXX. XXXXXXXX XXXX - XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Paypal Holdings, Inc
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
today XX/XX/2022 I got an email from PayPal that says : " Hello PayPal user ( which I am NOT ) - Here 's you invoice Billing Department of PayPal sent you an invoice fore {$800.00} USD Buy now : Pay over time Seller note to customer " Your PayPal account ( which I am not aware that I have an account ) has apparently been illegally accessed, according to the evidence. Your account has been charged {$800.00} for the XXXX eGiftCard purchase ( which I don't have ) this transaction will show up in the automatically debited amount on Payment activity. Contact us right away at the toll-free number XXXX XXXX or go to the PayPal Support Center for help if you believe you di not make this transaction. PayPal " At this time, I did not respond to PayPal as I think this is a scam?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-09-26
Company: National Credit Systems,Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have a debt of over XXXX XXXX on my credit report I have no knowledge of the reason as to Why this is on my account. I have called the number that is listed on the account the lady that answered not only cursed me and was rude ( which I have witnesses to ) but refused to give me any information as to why this charge is even there because I said I was not comfortable giving my social security number over the phone. She then hung up the phone and when i called back she would pick up and hang up happened multiple times and refused to let me speak to the person above her. I have NEVER been served a paper I have NEVER had anything explaining any information that I have requested on this matter. I am asking that this debt be removed from my account due to false information and the fact I have no knowledge of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Experian Information Solutions Inc.
State: LA
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 reached out to ALL 3 credit bureaus- XXXX XXXX Experian XXXX XXXX several times to have this account with ( XXXX- name reported on my credit report ). The first time was for them to verify this account- XXXX and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the 3 credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE.

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 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXunknown amount XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXunknown amount XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-09-26
Company: CITIBANK, N.A.
State: HI
Product: Credit card or prepaid card
Sub-product: Store credit 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 received an unsolicited HOME DEPOT credit card in the mail. Unsure of exact date. 
It was already activated for use according to the instructions attached to the card and no phone number to call to activate the card. 
XX/XX/XXXX I made an initial purchase of {$100.00}. Received initial statement in XX/XX/XXXX. XXXX reflected purchases and credits from XX/XX/XXXX - XX/XX/XXXX which I didn't purchase or returned for credit. Total purchases listed was {$1300.00}. Total credits was {$650.00} New balance was {$650.00}, My purchase of {$100.00} made on XX/XX/XXXX was listed and I paid this on XX/XX/XXXX. On XX/XX/XXXX I cancelled the subject card and reported to XXXX XXXX. Received confirming letter from XXXX XXXX dated XX/XX/XXXX. Received letter from Customer Service dated XX/XX/XXXX informing me not to pay charges in questions. Received decision letter from XXXX XXXX dated XX/XX/XXXX that I am liable for the disputed charges. Called XXXX XXXX on XX/XX/XXXX and they informed me that once I accepted the card by using it, I am liable for the disputed charges. Received new statement on line reflecting a new balance of {$540.00}. The new statement also reflected a " No interest for 12 month payment requested on XX/XX/XXXX '' which I did not request. I swear on a stack of Bibles that I did not purchase the disputed charges. I hope you can help me. 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 2022-07-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that CREDIT BUREAUS decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Please DELETE these unknown items from my file XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX EQUIFAX : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXXXXXX Balance {$3200.00} XXXXXXXX XXXX XXXX  XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXXXXXX Balance {$2300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX creditor XXXX XXXX XXXX  XXXX Balance {$3700.00} XXXX XXXX  XXXX XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXXXXXX Balance {$3700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXXXXXX Balance {$2200.00} XXXX XXXX XXXX  XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXXXXXX Balance {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: CITIBANK, N.A.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
THIS IS A SECOND TIME SUBMITTING COMPLAINT AS INFORMATION CITI BANK PROVDED WAS NOT RELATED T ME : O/A XX/XX/XXXX I contacted CITIBANK Costco indicating I was disputing accounting under the FCA/FRP and to date I have not received any information in regards to that. XXXX XX/XX/XXXX I sent notification again to date have not received a reply. On the XXXX of XX/XX/XXXX I received a Summons from the law firm of XXXX XXXX XXXX XXXX indicating they are representing CITIBANK COSTCO and suing me. I believe CITIBANK COSTCO has not followed dispute procedures. XXXX XXXX XXXX XXXX has not identified to me previously either they were trying to collect a debit, is this company a debit collector?

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 2022-09-26
Company: Ascent Holding Co
State: PA
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 signed up to be the XXXX  for a loan, servicer XXXX XXXX XXXX ( on behalf of Ascent Funding ), for career training for the primary borrower. The primary borrower declared XXXX  this year prior to the first payment of the loan coming due. The account was listed as in default in XXXX of 2022 but when asked about this XXXX stated that this was an error, the loan was in fact NOT in default and the status returned to deferment. I received a notice dated XX/XX/2022 stating that since the primary borrowers XXXX  was XXXX I would now be solely responsible for the loan. It should be noted that this is the last correspondence I received from XXXX and any further contact has been initiated by me. I was aware that this was the case so I was logging in the check the status periodically in preparation of the first payments due date. I checked in early XXXX and saw that the balance was showing as {$0.00}. I called in to inquire as to why that is and was told that the lender had decided to discharge the loan. I was not given a chance to make payments per the agreement I signed ( all cosigner related documentation attached ). They have not given me the opportunity to fulfill my obligation to pay and have reported the account as charged off on my credit report unfairly. I contacted XXXX and requested they reopen the account, allow me to make the payments and remove the report from my credit report. They have refused to reopen the account and claim that the report is just. The survivability clause in the credit agreement states that the original agreement stands even in the event of primary borrowers bankruptcy making this report unfair as they stole my ability to make the required payments. XXXX has stated that it is Ascent 's policy to charge off the account in the event of primary borrower 's bankruptcy but this is not stated in any of the loan documents that I or the primary borrower signed. They have violated the initial agreement. Proof showing that the account was never in actual default attached despite their claims when I call in that the account was in default at one time

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  Account # XXXX, US DEPT OF EDXXXX Account # XXXX, XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
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:
It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that CREDIT BUREAUS decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Please DELETE these unknown items from my file XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX creditor XXXX XXXXXXXX XXXX XXXX Balance {$3200.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXXXXXX Balance {$2300.00} XXXXXXXX XXXX XXXX  XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXXXXXX Balance {$3700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX creditor XXXX XXXX XXXX  XXXX Balance {$3700.00} XXXX XXXX  XXXX XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXXXXXX Balance {$1400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: FL
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 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 response to consumer: Closed with non-monetary relief