BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-29
Company: EQUIFAX, INC.
State: NC
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 constantly check my credit report and noticed that the false and misleading information for individual accounts did not quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding the CFPB enforce the correction and or deletion of these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2023 I sent a Notice to OPT OUT letter by Certified mail # XXXX XXXX XXXX XXXX XXXX and XXXX that XXXX XXXX  stop reporting negative information on my credit report. 

As of XX/XX/2023 they are still reporting negative information on my report and are in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) NEGATIVE INFORMATION ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 
( G ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Negative information The term negative information means information concerning a customers delinquencies, late payments, insolvency, or any form of default. 

I never received a notice in writing from XXXX XXXX  informing me that they were reporting negative information on my credit report. 

XXXX did respond with a digital letter ( see attachment ) and clearly ignored and did not understand my request.

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 2023-01-29
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:
Its a attachment photo

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 2023-07-11
Company: CITIZENS FINANCIAL GROUP, 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: Account status incorrect

Complaint:
I bought an XXXX through XXXX with the Citizens One payment plan in XXXX of XXXX. Citizens One provides no billing invoices, contacts folks or anything. In XXXX of XXXX I was finally contacted by Citizens and informed that my payment plan was 4 months late ( i.e. they had issues processing the credit card ). I explained there was a change of credit card information during COVID and Citizens told me they understood and this would not be reported to the credit bureaus in any case. I paid the entire balance of the loan immediately. Magically in XXXX, Citizens One reported this loan to the credit bureaus and has since continually decided to make reports monthly not only indicating I had 4 late payments ( seriously affecting my credit score ) but also indicating the account is still open. When I've tried to talk to Citizens, they assure me there is no balance and that the account is closed. If the account is closed, why are you reporting it as open etc. to the credit bureaus? I have over a year and a half of credit bureau reporting at this time for an account that has no monthly payment. This is not a revolving loan. There is no line of credit. This was a payment plan for an XXXX. Affirm and anyone else, report the loan when paid off ( sometimes ) and indicate it is closed. I've disputed the information through XXXX, XXXX etc. and all they simply say is the information reported is accurate. Why would it be accurate that a payment plan that's been paid off with 0 balance is still open? What is the point of this? It is ruining my credit score and there's zero accountability here. I'm stuck with delinquent reporting for an account that is still reporting as live over XXXX a month " missed '' payments. Amazing. As seen in the files, it indicates there is an available balance of {$2500.00} of {$2500.00}. Yet, no mechanism, to borrow such money, or withdraw such money. Why would there be an available balance on an installment plan that's been paid off with a term of " 0 ''. What a mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent multiple letters explaining why my credit report is in accurate. Neither credit bureau has responded or sent anything back to confirm the accounts on my credit report are accurate. I have sent letters dating back since XX/XX/2023 and have yet to received a valid response in accordance to the 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 2022-11-16
Company: CMRE Financial Services, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of ID Theft. I have shown substantial amount of proof that I am a victim and I have never opened accounts with XXXX XXXX XXXXXXXX and CMRE. They will not block these fraudulent accounts. Also all three reporting agencies ( XXXX XXXXXXXX, XXXX ) will not block these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: OR
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 my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX OR 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 2023-11-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Experian credit bureau is not fulfilling credit services offered under membership. Membership ID # XXXX. I purchased Experian XXXX XXXX, and I am not able to " refresh score '' to show new XXXX reports and scores. Currently the only update I can view is from XX/XX/2020 on both XXXX and XXXX. I have deleted previous browser history so that can not be the problem. I have tried this option many times and just get an error message. See picture for error message on Experian mobile app. This is unfair.

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 2023-09-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I'm not sure why this matter is being unaddressed. In my last complaint I provided proof that Equifax, XXXX, and XXXX, were well beyond their allocated deadlines. I first filed a dispute claim in XX/XX/2022 to no resolve. I provided the email in which the companies told me that the investigation was complete and deemed the information valid. I don't understand why your response to me was " They're still Investigating '' as if they clearly had more time. The time spam from XXXX to XXXX is 12 months last time I checked, not 2. Can you please look further into this matter and provide a non-bias solution? If more documents are needed please let me know. If you're follow up response is that they're still investigating please provide a reason why the time frame to respond is being giving special priviledge in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Over draft fees from XXXX to 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 2023-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I mailed a letter to the recipient about accounts that were inaccurately reporting and I still have not received any notice or update about the accounts. My credit is very important to me and I would like to have some assistance with this matter. The contents of the letter are as follows : NOTICE REQUEST FOR REINVESTIGATION RE : XXXX XXXX XXXXXXXX, Account # xxxxxxxxxxxx XXXX I believe that the information on the consumer report is inaccurate or incomplete. Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) I am requesting a reinvestigation for the following : XXXX XXXX XXXX, Account # xxxxxxxxxxxx XXXXXXXX XXXX XXXX XXXX, Account # xxxxxxxxxxxx XXXXXXXX XXXX XXXX XXXX XXXXccount # xxxxxxxxxxxx XXXX XXXX XXXX XXXXXXXX, Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXXXXXX, Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXXXXXX, Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX, Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXXXXXX, Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXXXXXX, Account # xxxxxxxxxxxx XXXXXXXX XXXX XXXX XXXX, Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXXXXXX, Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX, Account # xxxxxxxxxxxx XXXX Please verify if the following accounts listed above are reporting accurately or completely. I am disputing the Date of the last payment and the open date of XX/XX/XXXX. Once verified please send a copy of my credit file. 

Please help me with this matter asap.

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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
TransUnion IS IN CLEAR VIOLATION OF THE LAW. UNDER 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give you written instructions to furnish this in my credit report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. REVERSE THE ABOVE LATE PAYMENTS ON MY CONSUMER REPORT, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with reversal of the above referenced late payment, and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per XXXX ) XXXX. Negligent Enablement of Identity Fraud XXXX. Fair Debt Collections Practices Act 15 USC 1692g violationsXXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2023-04-01
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom This May Concern, I am writing in regards to an alleged debt of {$1000.00}. I have reason to believe I do not owe this debt and may have been a subject of identity theft. I recently checked my updated credit report and noticed a collection opened on XX/XX/2021 from XXXX. It was assigned to a collection agency, Southwest Credit System located at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. I looked further into the charge and it was charged to the address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; however I have never resided at that address to be charged for the open account, nor have I agreed to anything with this creditor. I have always resided at XXXX XXXX XXXX XXXX for over 10 years. I haven't been provided with verification or documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check I received from my schools ( XXXX University ) bursars office. The did the deposit via mobile deposit on XX/XX/XXXX. 

I did not receive notification that there was an issue with the check until I went to open my app and my account was locked. 

I called the bank twice. I was informed that the check needed to be verified, and the check was reversed by the originator because it was beyond the 90 days. The check was dated XX/XX/2023. I made the deposit on XX/XX/2023, well within 90 days. 

The bank informed me that my account would remain frozen until they can verify the information of the check and did not provide a timeline but the second agent said I could try to call tomorrow. 

However, today is XX/XX/XXXX, over a week since the deposit. I informed them that I need access to my account as I dont have any other funds and it is where I get my direct deposit but they refused to release the account. 

Not only is the check legitimate, they never notified me of a potential problem, where if they had I could have called the school to get support and avoid having this dilemma. 

I feel that I was discriminated against because of my last name and age. Why else would they decide to take such aggressive steps. This is against fair banking laws. And while I understand the need to protect against fraud this was an abnegation of the banks responsibility to notify its customer of a problem and do proper and timely due diligence as to not cause unnecessary harm to its customer. It is likely that this policy is not being applied equally across customer demographics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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:
I sent a letter on XX/XX/2022, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again.,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
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:
XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX 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 HARD INQUIRIES- 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 In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
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 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 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Kriya Capital, LLC
State: MI
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The issue is with XXXX XXXX. A fraudulent account was opened under my name in XXXX of XXXX. I've spoke to XXXX XXXX numerous times on the phone, spoke with their fraud department, went into a XXXX XXXX store and verified my identity in which the store manager then pulled up the number and the name of the person who did open the account. 

I've reported the account ( now in collections ) to all of the credit bureaus, as well as XXXX different collection agencies. They keep transferring the account to another collection agency after I tell them it's a fraudulent account, and they know by law they can not contact me about the debt any longer. These collection agencies have also now started to contact my family as well, who have nothing to do with the situation or the account, and whose names are not assigned to the account or the collection. 

XXXX XXXX keeps telling me that I have to file a fraud report and submit the report to their fraud department in order for them to do an investigation which is ridiculous because I've literally went into a store and verified my identity etc. This might as well be harassment at this point as it's been over 2 years since they account was opened and now over a year since I originally did everything they've asked me to do in order to report the account as fraudulent.

Company response to consumer: Closed with non-monetary relief