BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-22
Company: CITIBANK, N.A.
State: SC
Product: Credit card
Issue: Billing disputes

Complaint:
I got a loan for debt consolidation from One Main Financial in XXXX 2016. Macy 's credit card was on of my things to payoff. I took the check made out to Macy 's for payoff account to Macy 's department store in XXXX, SC. The check was {$660.00}. It was Attached with my billing statement and credit card itself the lady at the counter took my payment with no problem. I received a billing statement reflecting the payment of {$660.00} was applied to my account on XXXX XXXX 2016. The next billing statement I received was a surprise because my account was supposed to be at a zero balance. It showed a huge increase in my balance, it also showed a payment reversal for {$660.00} on XXXX XXXX 2016. Not once did I receive an email regarding the payment reversal, no notification whatsoever. I called Macy 's to see what was going on. I also had the customer service representative to dispute my account back in XXXX, that way it would n't show owed a payment until this is resolved. At first no one could tell me what happened. I asked to speak to a supervisor regarding the matter. Again, I was n't getting a straight answer as to why my payment was reversed. At some point, I was told it was because they did not have my Macy 's account number on the One Main Financial check but how was it applied to my account if they did n't know where it belonged? Then I was told well it may be because we are n't showing we received the funds. Again, how did you apply it to my account in the beginning and randomly reverse it two months later? Still no good answer. The supervisor told me the payment research department was requiring proof of the cleared check from One Main Financial. I retrieved the cleared check and faxed it to Macy 's XXXX different times. The Manager of One Main Financial also reached out to the supervisor and faxed the cleared check to Macy 's payment research department as he was asked to do. Still there was nothing done about the payment, they kept asking for more stating the cleared check was not good enough. Now they needed a letter on letterhead from One Main Financial and bank statements. I told the supervisor numerous times this was a huge third party corporation and they could not just give me bank statements. I spoke to One Main Financial regarding a letter on letterhead, he states he does not have the authority to do a letter. He states at his point I have followed my normal protocol for this matter. Currently, Macy 's said we are done with matter since we are not getting the " letter '' that we need. My account is now back to its regular standing and I must continue to pay my monthly payments starting on XXXX XXXX 2016. My balance is back to {$660.00} which is supposed to be paid off. This affects my credit, my money and I am now in the middle of buying a house!

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 2022-07-26
Company: EQUIFAX, INC.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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

XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Experian Information Solutions 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:
The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate. The bureaus requested me to verify my identity I provided verification and they have not updated my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2018, I wrote to the credit reporting agency, they placed inquiry on credit report, I have a credit freeze, identity theft hold.

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 2022-07-26
Company: Experian Information Solutions 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 you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In the event that you 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. XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, FL 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 2022-07-26
Company: Experian Information Solutions Inc.
State: NV
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:
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 ) and611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverifiedinformation without providing any proof within the period allowed by law. The followingaccounts need to investigate and correct from erroneous reporting in my file are listed onmy credit report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$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 explanation
Consumer complaint received 2015-06-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The FCRA Guidelines specifically states that it prohibits incomplete or inaccurate information from being reported on a consumers credit report. Doing so constitutes grounds for removal. The Law needs to be followed and enforced. I have wrote this company and faxed information on several occasions regarding these particular accounts listed in this letter. 
XXXX. XXXX XXXX XXXX : This account is not a charge off/ nor is it a collection. It was paid on time every time. I am not clear how this account is being investigated when it does n't even have an account number in turn deeming it as " incomplete '', which constitutes grounds for removal. 
XXXX. XXXX XXXX XXXX XXXX This account is not a charge off/ nor is it a collection. It was paid on time every time. I am not clear how this account is being investigated when it does n't even have an account number in turn deeming it as " incomplete '', which constitutes grounds for removal. 
XXXX. XXXX XXXX XXXX : This account is/ was in my ex-husbands names, but it is in my credit file therefore deeming it " '' inaccurate '' '' which constitutes grounds for removal. 
XXXX XXXX XXXX {$280.00} : A collection account can not be open or go into collections " inaccurate '', " incomplete ''. I have contacted the original creditor and they can not find any account of the sorts in their system. 
XXXX. XXXX XXXX, Opened XXXX : This account was paid on time every time. I am not clear how this account is being investigated when it does n't even have an account number in turn deeming it as " incomplete '', which constitutes grounds for removal. 
XXXX XXXX : This account is a charge off or collection. A collection or charge off can not be an open account. A collection or charge off can not go into collection or charge off. A charge off and collection status it just that. It is reporting as an open past due account which is illegal under FCRA guidelines in turn deeming it as " incomplete and inaccurate '', which constitutes grounds for removal. 


FCRA states that if you have previously initiated a dispute or an investigation and do not receive a complete or satisfactory resolution that you may dispute again and the company must respond in XXXX days after receipt of the XXXX notice. This is their XXXX notice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I filled out a dispute for XXXX XXXX. This company has sold account several times. I am dispute do to they don't have the write year posted that XXXX stated put the account in collection they XXXX. This account is older than that I want to be removed from my record. I believe that this account has been in collection for 6 to 7 years. the company over charge me add over XXXX XXXX This is much more than owned them when I left the company. I was behind three months they razing my bill to point I couldn't afford it. I living by myself they was billing me over XXXX $ a month. This come out to XXXX $ I just don't see where they coming up with {$2000.00} for a phone service. I refuse to pay that much. I on limit income. I just can't afford that much. XXXX XXXX will not work with me.

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 2022-07-26
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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XX/XX/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 2016-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have been having an ongoing issue for the past several months with transunion deleting my inquiries, then re-inserting them. I just called their customer service number at XXXX and their customer service would not help and take care of the negative inquiries reporting to my credit report. So I am asking for the help of the CFPB and would really appreciate your help. 

This is the list of inquiries I would like deleted XXXX XXXX XXXX XXXX/XXXX/16 and XX/XX/2016 XXXX XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 and XXXX/XXXX/2016 XXXX XXXX XXXX XXXX/XXXX/2016 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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XX/XX/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 2022-08-17
Company: Galaxy Capital Acquisitions, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am guessing that this account was sold to Galaxy International Purchasing , LLC under false pretenses, I will not pay this bill until XXXX XXXX XXXX AKA XXXX. XXXX sent someone out to fix the wiring that their electrician messed up. I was going to pay for myself up front until they began to be rude, tell me how long I had and who I needed to get to fix it. I had covid and that didn't matter t them, so now they can send someone out to fix the problem or I will have my landlord start the process of suing them. I refuse to spend my money up front and wait until they feel like paying me back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: VA
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 XXXX XXXX Account NoXXXX has violated my rights -- see XXXX references below XXXX ( Client account number is XXXX. ) 15 USC 1681 Section 602A states that I have the right to privacy.

15 USC 1681 Section 604A, Section 2 states that a consumer reporting agency can not furnish an account without my written instructions and consent. 

Therefore, XXXX XXXX XXXX XXXX has violated my right to privacy by furnish my account info without my written instructions and consent. 

Thank you. 
XXXX XXXX XXXX email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX Experian sent me an email stating that my FICO is XXXX with a credit usage of 50 %. 

0n XX/XX/XXXX I paid off a credit card that had an account usage of 7l %. 

On XX/XX/XXXX Experian sent an email stating that my Credit card balance was XXXX and my total credit usage was % 9 but my Fico dropped to XXXX. I called Experian customer service reported my issue to the representative and was informed that the organization couldn't tell me why the fico dropped without any new derogatory entries. I asked to be transferred to a supervisor, the supervisor stated that she didn't have an explanation and no one in the b organization could do anything about it and suggested that I hire a licensed credit advisor to explain what Experian had done. 

If they can't explain their own actions they should not have the authority to publish information that is financially debilitating. 

I paid off the credit card to increase my fico for a pending large transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Within the past four months I had noticed three collections having been reported on my credit report and a massive drop in my fico score. I reached out to the collections company noted on the record as " Credit Bureau Systems Inc ''. I immediately sent them a Validation letter on XX/XX/2019 and after 30 days had not received any written correspondence back from them. On XX/XX/2019 I received an account details letter claiming I was in debt to them in the amount of {$13000.00}. On XX/XX/2019 I again re-sent a Validation letter via certified mail. On XX/XX/2019 I received an " Account Itemization Letter '' in the mail now stating that I owed the amount of {$12000.00}. Neither of these correspondence letters have matching account numbers nor amounts owed. To date all three of these collections remain on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: NY
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 account listed below which is 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 account as it is fraudulent & was opened without my consent or knowledge... 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Experian Information Solutions 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:
I have previously disputed with transunion, experian and XXXX on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2020-06-19
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent a letter on XX/XX/XXXX asking XXXX XXXX XXXX who is handling the account for XXXX  " Please can you verify these accounts for me so I can know if they are even legitimately mine? Can you send verification of my original paper work with my signature on the following accounts? '' I received no response. They continue not to respond to my letter. Also, I want the following open accounts removed from my credit report put there by XXXX XXXX XXXX : Synchrony XXXX Synchrony XXXX Synchrony XXXX Synchrony XXXX I am on XXXX as of XX/XX/2019 and my income is also considered " Collection Proof ''.

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