BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-13
Company: Experian Information Solutions 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 items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 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 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX Balance : {$53.00} XXXX XXXX Balance : {$600.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$16.00} XXXX XXXX Balance : {$53.00} XXXX XXXX Balance : {$400.00} XXXX  XXXX XXXX Balance : {$0.00}

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 2023-12-13
Company: EQUIFAX, INC.
State: NY
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've consistently made payments on time, so I'm requesting an immediate update to my account due to the distress it's causing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: GA
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting 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 has violated my rights. All three credit bureaus have a 7 year freeze on my credit report impeding any new attempts to establish new credit files. The freeze placement was put in place by myself for protection. Following inquires were not filed under me and caused for fraudulent activities. Formal complaints have been made and the following bureaus must remove these fraudulent attempted inquires. 

XXXX XXXX XXXX  This is frustrating and impedes the process to financially prosper. 

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.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall n
ot furnish any information relating to a consumer to any co
nsumer reporting age
ncy if the person knows or has reasonable cause to believe that the information is inaccurate.

Attached is a copy of my credit report information associated with the following accounts that are marked to noticeably validate my findings.

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Credit reporting agency will not allow me to access my credit reports online at Transunion.com the have prevented me from looking at my credit report and filing disputes online.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 requesting that it will be removed from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/ I opened an account and an adv safe balance banking I received notices in the mail XXXX did not really help me but she did tell me some XXXX about how I could not get my other account access. And this been entered into collects. So it's potentially a XXXX dollar loss. I see that banking is not important to people but I was with bank of america til I got attacked. I guess I'll notify dhs. Homeland security.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I want to emphasize that I am not the account holder associated with the aforementioned creditor, and I believe this to be a case of mistaken identity. It is distressing to learn that my credit report has been inaccurately linked to an account that I have no knowledge of, and I fear that this misidentification has occurred due to the wrongful association of the theft victim with the alleged thief. I am a victim of identity theft, and I have taken immediate steps to dispute this account with the creditor in question. They have acknowledged the fraudulent nature of the account and are working to rectify the situation. However, I am adamant that there has been a misunderstanding, as I have no knowledge of the account in question, and it appears that my identity has been wrongfully associated with fraudulent activity. 
XXXXXXXX XXXX XXXX XXXXXXXX - FRAUD, PLEASE DELETE!!! 
I insist on a thorough reexamination of the verification process, as I am confident that an error has occurred. It is crucial for the accuracy and integrity of my credit report that this wrongfully verified fraudulent account be removed promptly. I request that you conduct a diligent investigation into this matter and, upon verification of the inaccuracies in the reporting, proceed with the immediate removal of the wrongfully verified fraudulent account from my credit report. I also expect regular updates on the progress of the investigation within the time frame stipulated by the Fair Credit Reporting Act ( FCRA ).

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX XXXX Balance Owed : {$16000.00}

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 2023-12-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX and Experian has repeatedly violated my federal protected consumer rights by publishing negative information on my 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 2024-01-02
Company: Titanium Funds
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Lucky auto is a scam I did not get XXXX cents and a job gets me a car I had to pay down payment of XXXX  dollars first fraud they did second I have now purchased two vehicles from this lot the first they reported 5 ontime payments I have been paying ontime for now two separate purchases and the closed the account when I got on XXXX XXXX without updating almost 4 years worth of on time payments and also don't know the balance owed on credit. I need my credit I need them to report they are known to scam people if you can't help I may need to get a lawyer because they are taking advantage of people with bad credit! They lock you into a used car that is 3 to 4x as much as the car value so yeah please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge 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:
On XX/XX/2023, I received a notification from Citi Bank saying there were some suspicious charges on my Citi XXXX card. I promptly called them and locked the account. The charges were made in XXXX and I am in XXXX. I had possession of my card at the time of the fraud. 

XXXX charges were eventually re-embursed : One for XXXX at XXXX XXXX XXXX XXXX and another for XXXX} at XXXX XXXX XXXX XXXXXXXX XXXX XXXX, but XXXX charge of XXXX for XXXX XXXX XXXX XXXX was still pending. The charge for XXXX has never been resolved despite multiple attempts to report the issue and multiple calls to the company. 

On XX/XX/XXXX I noticed that a the charge for XXXX at XXXX had changed from pending to approved I called XXXX to report the charge. At the end of my billing cycle, I saw that the charge was still on my account and listed as the full balance. I attempted to dispute the charge again via the mobile app but I was not able to see it in my dispute center. 

On XXXX XXXXXX/XX/XXXX I called Citi customer service to ask why this charge had never been handled, and the person I spoke with said she saw the dispute and was going to file a complaint saying this should have been resolved within XXXX days of the original report. She then referred me to the security center and told me to call on the next business day. 

Today, XX/XX/XXXX at XXXX am mountain time I contacted the security center and attempted again to report the fraud charges. The person I spoke with XXXX, said they had no record of the dispute for XXXX even though I had reported it through the mobile XXXX twice and and assured me that they were re-opening the case, but when I asked for proof of this, I received none. 

The original dispute was over a month ago and I have received no notification that my disputed charges are being investigated. Furthermore, my payment is due on XX/XX/XXXX and I have no indication from the company that they will resolve the issue so I feel I am being forced to pay for fraudulent charges to avoid late fees or interest fees.

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 2024-01-02
Company: Zions Debt Holdings
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I purchased a home located at XXXX XXXXXXXX XXXX XXXX XXXX, Fl. shortly after I applied for XXXX XXXX XXXX. On XX/XX/XXXX my house was sold due my husband and I divorcing. The XXXX XXXX XXXX equipment was shipped back to the company and the services were paid for. I have disputed the creditor on several occasions. The information listed on my credit profile is not accurate, the account was originally opened in XXXX not XXXX. This account does not belong to me that was opened in XXXX. The name of the creditor is either misspelled or is completely inaccurate.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
On XX/XX/24 I received an email from an XXXX XXXX who states to be part of the XXXX XXXX XXXX for Select Portfolio Services , Inc however when I called the XXXX number I was advised by a XXXX that there were no notes from XXXX XXXX on my account. I was beyond elated to hear that a Loan Modification was being offered as I had requested and applied for however it seems this may not be the reality. Some how this XXXX XXXX XXXX XXXX XXXX through caller id had pertinent information about my home address, email and loan information, I called back due to my excitement to remedy the issues we have experienced for XXXX plus months with SPS Inc and not he has my phone number. He promised me nothing short of a miracle which may not even be true now. I am requesting for CFPB to have SPS assist in a similar Loan Modification, if it is not true yet and help to put the horror we have endured for nearly a year beyond us. We are just requesting to pay our mortgage monthly and have the COVID-19 forbearance balance placed on the end of our loan as a balloon payment as most forgiveness was given under the CARE Act. I am now concerned that a decent amount of my personal information has been sold or leaked to various entities that intend to do nothing but steal my money with a possible promise to fix all of our mortgage issues from the last year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: MD
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2023 I sent a letter in regards to inaccurate and unknown things on my credit report. To this day over 45 days later I have yet to receive a response. I feel Im being ignored and taken advantage of. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days is reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress youve caused me. My information was also impacted by the XXXX data breach and may have landed in the wrong hands.

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 2024-01-03
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
As per the XXXX, consumers must be given the opportunity to opt out of having their personal information shared with nonaffiliated third parties. The failure of your company to provide this notice compromises my rights and potentially exposes my personal information in a manner that I do not consent to. This business has been reporting negative information to the credit reporting agencies. I have tried to obtain several copies of my consumer report from this company in order to correct the problem and they have not complied. Therefore, the information being reported is unknown, and I wont take responsibility for unknown debts. This is fraud and is being reported inaccurately and without consent.

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 2024-01-05
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Dear Consumer Financial Protection Bureau ( CFPB ), I, XXXX XXXX, consumer, am ware Chex System is reporting false and inaccurate information on my consumer report which is causing my credit application to be denied or delayed and causing me emotional distress. I am requesting a copy of my most recent Consumer Report. Please see the attached. XXXX XXXX All Rights Reserved UCC 1-308.

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 2024-01-05
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting 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 have no knowledge of some of the inquiries on my account. These hard inquiries are a result of identity theft and they must be removed within no later than four business days as per 15 USC 1681 c-2.

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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Confirmations number was provided for completing form for XXXX and was responded with a hard pull to credit score for approval decision made through customer representative. Which no inquiry of credit report should be an hard pull without consent.

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