BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: AR
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 already sent a letter to the XXXX, Equifax, and XXXX Credit Bureaus last XX/XX/XXXX, requesting the verification and deletion of the accounts and information on my credit file which I found to be fraudulent items. Upon reviewing a copy of my updated credit report, the fraudulent items are still reporting on my credit report. I have been waiting for a response from the credit bureaus and yet I received nothing. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act sections 605n, within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Let me remind you that under the Fair Credit Reporting Act section 605b, you are expected to remove the disputed accounts and information off of my Credit File as they resulted due to identity theft. If you claim the items are accurate and verified, send me copies of proof or any documents supporting your claims. If you are unable to provide such documents, I need you to remove the disputed items immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Klarna AB
State: CA
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:
I brought the ticke to klarna for {$670.00} Still no had ticket either reservation still no refund my {$330.00} I give down payment for buy the ticket still say investigation and nothing happened until todsy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-02
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Experian keeps trying to steal funds from my social security every month 6 times a WK. I've called and emailed. They still are doing it. I've changed my depit card they get the info somehow. Need your help. This is theft. I want a settlement of XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: EQUIFAX, INC.
State: MD
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 attempted to fix my credit reporting regarding my student loan with Equifax Credit Reporting XXXX  times and the information is still not corrected. They continue to show my student loan with an original balance of {$37000.00} with a negative credit limit of {$21000.00}. This is incorrect information. I have XXXX consolidated loans ( XXXX ) {$36.00}, XXXX and ( XXXX ) {$21000.00} with a total balance of {$57000.00}. My student loan was in forbearance for much of the COVID19 pandemic and my student loan is in good standing. Equifax continues to show the credit as poor and that I owe a high negative balance. I am tried to use the dispute on Equifax XXXX times and they have failed to correct the information. I seek assistance from CFPB to help with this issue and to hold the credit reporting agency to make the corrections so that information is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous items on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that these accounts will be updated. 


XXXX XXXX XXXX Balance : {$1500.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$13000.00}

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 2022-07-29
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:
So I sent a letter off on XXXX XXXX .To remove personal information that I don't want on my credit report.According to the fair credit reporting act. 15 USC 1681 .I have the right to privacy .And also According to 15UCS 6802 NO finacial institution is ever suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.

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 2022-09-22
Company: CBC Companies, Inc.
State: MO
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 emailed Vice President XXXX XXXX at XXXX XXXX for him to explain the process of obtaining a home equity line of credit. He pulls my credit without my consent and now i have a ding on my credit report because of it and not once did i ever give him permission to pull my credit. I simply asked how the process worked. Hes tried to cover his tracks by telling me oh it doesn't hurt my credit for that type of stuff but when you look at the credit report, a mortgage inquiry is very high risk on experian. i told his company what happened in a support chat and all the said what sorry for the misunderstanding. This is extremely unprofessional and i believe they should be able to get this removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: RentDebt Automated Collections, LLC
State: LA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This person whom Id thought was going to help me, helped herself instead. It hasnt been easy tracking her down but at least I know her name. She moved in the apartment XX/XX/2021. How?? IDK she mustve had gotten evicted and left a very huge bill. The bill was {$3400.00}. Amazing isnt it. Now Im left with debt collection and I know crying wont fix anything. So Im trying

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have over {$100000.00} on deposit with CitiBank ( these funds are available ). I have had two checking and one savings accounts with them for over a year with over $ XXXX in funds from the accounts inception. I needed to complete a wire transfer today for a real estate closing and they will not allow me to access my funds. There is a message saying 'Access Blocked '. I've talked to no less than 15 people at their company today across all departments - fraud, security, and customer service departments ; I have also escalated to several managers. These people are in the XXXX and have nothing but a script to follow and can not and will not help. They have told me there is no access to anyone in the United States, for which I have repeatedly asked. They suggested I visit a branch, but there are no branches that I can find in Colorado. 
They suggested I try using XXXX - so I enrolled in XXXX with my Citibank account and sent {$5000.00} to my linked XXXX account ( which is the minimum Im allowed to send ). They blocked the transaction and locked me out of my account completely. I have gone through both standard and elevated authentication processes with multiple departments within Citibank multiple times today and have more than sufficiently authenticated myself. I am very upset that they will not allow me to access my own money, which will have a devastating personal impact on me since I will not be able to close on my new house for which Ive been saving for years. I am highly concerned and afraid that I will not be able to gain access to my funds. My stomach is in knots and I have been in tears all day over this. No one there will or can help. I believe something extremely concerning is occurring and beg the CFPB to look into this with immediacy.

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 2022-07-29
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA, Im submitting this complaint to help establish a legal recourse. If the Credit Reporting Agencies choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following accounts as they are fraudulent & were opened without my consent or knowledge. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXK 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 XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: MD
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 kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them.

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 2022-08-22
Company: CITIBANK, N.A.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Wire transfer on XX/XX/XXXX from CitiBank to XXXX Bank XXXX XXXX and due to account error, modified on XX/XX/XXXX. The recipient did not receive the fund so i contacted XXXX relationship manager ( we were XXXX travelling ) and got an email which was wrong information from Citibank wire dept. that we have until XX/XX/XXXX to modify. on XX/XX/XXXX back to USA and contacted Citibank Wire Dept. and service rep named XXXX told me that the fund already transferred back to Citibank and it will take 7 days to credit back to my account. Wrote an email to the relationship manager who provided the wrong data and said she was temporary helped out while our representative is on vacation. Also told me that she will investigate this case and get back with me. no words from her. patiently waited til XX/XX/XXXX ( as 7 days waiting time from the wire dept ). On XX/XX/XXXX still had no fund deposit back then call Wire Dept again, this time a service rep named XXXX told me that yes the money is sitting in Citibank and will check the status and get back to me. No words from XXXX. Call XXXX ( the temp relationship manager ) and asked her to help. she sent an email to me and said Wire Dept is working on it and needs at least one to two days to deposit the fund back. Asked us to wait til Monday. Today Monday XX/XX/XXXX. Still don't have the fund, called and send email to XXXX asked for status, got an email from her and said needed 2 more days???? I do not understand what is the issue here. All i want is my own money credit back to my account. Is this that hard?? This is a fund of over XXXX and it is sitting in bankCitiBank but it is my money. doesn't seems like i am able to get an answer from anyone as to WHEN can i expect my own money, How can they treat their VIP customer this way. Do not promise something if can not deliver. I need my money back please. Oh, i can not even get a manager to return my call!! Citi, you have a very upset customer here. I need to know when PLEASE!

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 2022-12-03
Company: Thaxton Investment Corporation
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  XXXX account # XXXX Unpaid balance reported as a loss by credit grantor Balance is {$0.00}. Income should not be on y credit report, They are reporting false and misleading information on my credit report. 15 usc 1681eb says my consumer file has to 100 percent accurate I have no knowledge of this account, if this was charged off it can not be still be reporting. you must remove or submit a 1099C because you can not collect on a charged of account that you submitted to the IRS please remove and suppress. please update credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: TX
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 am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The bank reported a deliquent account which they were supposed to close. I went into the bank to close all accounts and paid to have the accounts closed. Before leaving the bank I was told that all accounts were closed. However, I received a 30 day delinquent notice on the credit line which was supposed to be closed. I worked with their team to discover what caused the issue and learned that the staff did not know how to navigate and properly close the accounts. They acknowledged their error, with their credit team ( on the phone line, i walked to the bank with the bank 's credit person on the line ) on the line and and was told that they would resolve the issue. This was over a year ago and I'm still trying to get help to resolve the issue. I've contacted credit buearus, multiple contacts at XXXX and have missed work trying to resolve this. Although I received letters from the bank stating that they would remove the delinquent marks, they continue to report the account as having been past due XXXX and XXXX  days. It's been a vicious cycle and I'm tried to resolve this amicably but have had no success. The issues has also delayed me from move forward with other personal matters such as relocation and job advancement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
Company: Bread Financial Holdings, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company is calling nonstop from business and restricted numbers. Tried calling to see why and was told well we probably arent the only debt collectors calling you, we do nothing to violate your rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax is reporting a delinquency from XXXX XXXX. The first day of delinquency is incorrect. The information is old and should be removed, however Equifaxs system will not allow me to dispute it. XXXX XXXX has not removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: NJ
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed or deleted as soon as possible. 
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 XXXXXXXX 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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2019-08-20
Company: Touchstone Partners, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
A couple of years back I had some misfortunes, and got involved in debts. In XXXX XXXX, I had a phone call from XXXX XXXX from XXXX XXXX XXXX, who assured me they would help me get out of debt fast. For this They would require {$410.00} a month. I agreed and the money started flowing out of my acc. to theirs. In XX/XX/2019, because of the harassment of my debtors, I called them and ask them how long it would take for me to see results. The answer was maybe two years. At this time I told them I couldn't do that and to send me my money back. They agreed and three weeks later I had no news from them and no money. When I called again, I spoke to a Mr. XXXX who assured me I would get my money soon. Two weeks later I received a check for {$540.00}. I sent them a letter stating that this money was 1/4 of what I had paid them for nothing, and to explain how was the money used, I mean they did nothing. To this date I have had no answer to my letter, nor my calls. 
My question to you is, how can you help me stop this people take nave older persons, ( I'm XXXX years old ) for all the money they don't have? Like I have stated I'm still waiting for their response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with explanation