BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-27
Company: Experian Information Solutions Inc.
State: NV
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:
Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10
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:
On XX/XX/XXXX, I sent a mail regarding identity theft and fraudulent accounts on my credit and i got a mail 3 weeks later from XXXX stating that " i was not the one who sent that mail ''. I feel as though this is ridiculous. I spend my weekend gathering all the documents to receive a mail like that. I am extremely upset. I have been trying to fix this issue for a while now and nothing. These accounts listed on my credit report are not related to any transaction done by myself. I have attached the FTC report along with my drivers license and social.

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 2021-11-10
Company: Receivable Management Group, Inc. (GA)
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the RECEIVABLE MANAGEMENT GROUP ( XXXX XXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are reporting on my Credit Reports : RECEIVABLE MANAGEMENT GROUP ( XXXX XXXX XXXXXXXX XXXX ) ***** Opened XXXX. XXXX, XXXX Balance {$1100.00} RECEIVABLE MANAGEMENT GROUP ( XXXX XXXX XXXXXXXX XXXX ) ***** Opened XXXX XXXX, XXXX Balance {$390.00} RECEIVABLE MANAGEMENT GROUP ( XXXX XXXX XXXXXXXX XXXX ) ***** Opened XXXX XXXX, XXXX Balance {$230.00}

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 2022-05-27
Company: Experian Information Solutions Inc.
State: TX
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:
FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$470.00} Status Account charged off. {$470.00} written off. {$470.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

XXXXXXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$7600.00} XXXX Account charged off. {$7600.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$800.00} XXXX Account charged off. 

FCRA violations : payments never late XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open.

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 2017-05-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted all my information for a short sale on  XXXX   XXXX ,  2017. Every ti me we call in they say there is nothing new to report and it is still in the process of review. They are failing to abide by timeline guidelines for response and the initial processor will not give a point of contact on the file, so every time I get different information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX has 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 a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX has 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 a 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 2022-05-27
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citibank offered me a {$1500.00} cash bonus for opening a business checking account and a deposit of {$100000.00} within 30 days of account opening ( Citi_Small_Business_cash_bonus.jpg ). 
But Citibank did not allow me to deposit my funds within 30 days of account opening due to branch closure and late shipping of my debit card. 
I tried all the ways I have and deposited {$100000.00} into my account within the XXXX days of account opening. 
Thus, I did not satisfy the offer terms due to Citibank 's problems. 
And Citibank refused to pay out my bonus after I filed a dispute. 

My timeline with submitted proofs ' names in the brackets is following : On XX/XX/2022, I opened a Citi Business Streamlined Checking Account ( Opening_Account_in_branch.jpg ). 
Since XX/XX/2022, I couldn't fund my account because the local branch was closed due to COVID and Citi can not provide me with the account number. 
On XX/XX/2022, XXXX XXXX, the Citi Banker who helped me open my account, told me the only way to fund my account is through online banking after I receive my debit card ( branch_closure.jpg ). 
I did not receive my debit card until XX/XX/2022 ( Debit_Card_Delivery.jpg ). 
Thus, Citibank did not provide a solution to me for funding my account before XX/XX/2022 which is within 30 days of account opening.

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 2016-10-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have several accounts with Wells Fargo. In the six months I have have unauthorized funds taken out of my checking account. They did investigate and put the funds back in my account. I now feel very insecure with the handling of my 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 2022-05-27
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXXXXXX old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I opened a home equity line of credit with XXXX XXXX XXXX Bank in XXXX with a set interest rate and automatic renewal provision in 10 year cycles - this account paid properly every month since origination. In early 2013 XXXX XXXX XXXX notified me that the equity line would be converted to a " installment type loan '' and modified to a set payoff schedule at XXXX the current payback schedule. I disagreed with the terms XXXX XXXX XXXX offered and continued to make regular on time monthly payment. 

In XXXX 2013 XXXX XXXX XXXX returned my payment with a letter stating that the bank would not accept further payments on this loan based on non-modified terms. In XXXX 2013 I attempted to make my payment at a XXXX XXXX XXXX Branch - which was refused. In XXXX XXXX XXXX XXXX filed a " pre-foreclosure '' and notified me of the pending legal proceedings. During this period ( XXXX through early XXXX ) the only contact available to us through XXXX XXXX XXXX was their " mortgage default department '' which was anything but helpful and kept suggesting/demanding I use a government HARP program for loan modification which I had no interest in using. 

Later in XXXX 2013 XXXX XXXX XXXX and I came to an agreement for a payback schedule at a set interest cost and set payments - all payments have been made on time before and since. This loan was never in default, although XXXX XXXX XXXX refused payments for several months. 

Experian continues to list this account as a foreclosure with over a year of missed payments - XXXX correctly list this loan with no " default-foreclosure-late payments ''. I have disputed the reporting several times through the standard Experian dispute process and Experian refuses to correct their reporting as so called " verified '' nor will they accept an appeal of their incorrect account listing information. 

My Experian XXXX scores are XXXX points below other credit agencies scoring due to this incorrect listing and are shown as recently late ( 2013 ). All XXXX of my reports ( XXXX Experian ) correctly show the new loan ( XXXX XXXX XXXX modified to set terms ) as paid - never late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: EQUIFAX, INC.
State: TX
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:
FCRA violations : inquires not mine XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$470.00} Status Account charged off. {$470.00} written off. {$470.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$7600.00} Status Account charged off. {$7600.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
XXXX  CARD Potentially negative Date opened XX/XX/XXXX Balance {$800.00} Status Account charged off. 

FCRA violations : payments never late XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
FCRA violations : inquires not mine XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$470.00} Status Account charged off. {$470.00} written off. {$470.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

XXXXXXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$7600.00} Status Account charged off. {$7600.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$800.00} XXXX Account charged off. 

FCRA violations : payments never late XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open.

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 2016-01-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Related Case Number XXXX Related Case Number : XXXX I have attempted to work the following matters out with the information Furnishers, XXXX XXXX XXXX ( XXXX pending litigations against ) and XXXX XXXX XXXX ( Filing a case soon ) for violations of the Fair Debt Collection Practices Act - FDCPA FCRA - Fair Credit Reporting Act, and TCPA - Telephone Communications Act Of 1991 Experian responsible since it continues to allow reporting of inaccurate information. 

The account was reported under XXXX XXXX XXXX and then they sold the account to XXXX XXXX XXXX, both companies reported the same item on my credit report. 

Furthermore, as required under the Fair Credit Reporting Act the credit bureau is required to notify me within 5 days of re-insert date, which has long since past. 

" 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-22
Company: I.C. System, Inc.
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Collector says I owe money for additional plumbing services. I paid the plumber in full and on time ( have receipts ). I immediately asked collector to validate the debt and to communicate only in writing. I have never paid a bill late in my life. Despite my poor finances, I offered collector {$100.00} to make the issue go away. This seems to have emboldened them. Collector reported the fake amount to credit bureaus, plunging my FICO score. If my future employer orders a pre-hire credit report, I may not get the job. I moved out of state ( to save money ) and filing legal action there would be an unmanageable hardship. Today a collector harassed the receptionist where I work.

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 2020-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Transunion failed to investigate a fraudulent account that I notified them about. After submitting the dispute, Transunion " verified '' that it was accurate within a couple of days. I opened another dispute to tell them to investigate the issue fully as required by law, but the dispute has been opened with no resolution for over 60 days. This account was opened fraudulently with the original creditor and it's not possible to verify it as it wasn't opened by me or with any of my information ( other than SSN ). XXXX XXXX XXXX customer service has verified this as fraud, but I am still waiting to hear back from the Fraud Department. 

This complaint is not because of the fraud or inaccurate information, it is because Transunion failed to properly investigate an respond to my dispute.

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 2020-10-02
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent letter to validate the debt, never received a responds within 30 days..please all information from these accounts from my credit report..see attachements

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Finding out someone changed my to XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX NM XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX recently in XX/XX/XXXX. I 'm having problems with Experian XXXX to delete this information, I had provided this documents to them. Which this is fraudulent information on my report on Experian XXXX. I found out with XXXX Bureau report that my name and address was changed on XX/XX/XXXX XXXX XXXX XXXX Equifax XXXX has corrected in their part after providing the Documents to them they requested whom I was ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX. I made a police report with XXXX XXXX Police Department in XXXX XXXX NM, and took the necessary steps. To stop this fraud. I had a name change in XX/XX/XXXX to XXXX XXXX XXXX XXXX in the State of New Mexico Documents are provided for you too see.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-04
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
" I sent in a letter requesting an investigation of inaccurate items on my credit report. I included a copy of my state issued photo id for identity and address verification and a copy of my XXXX. They sent me back a letter saying it was suspicious and possibly not me. I then called to confirm that it was in fact me that had requested the investigation, and was told by Experian representative that they do not accept dispute letters by mail. To me this is a blatant and intentional violation of FCRA, and they publish an address to send disputes to. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation