BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-20
Company: EQUIFAX, 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:
I have sent XXXX, XXXX, EQUIFAX requests after requests to remove security freeze and Fraud Alerts. I have even sent proof of address and Utility bill as you requested but you are stalling the process deliberately hurting my livelihood as well as the one of my family as it relates to us not having access to descent credit or a home to live in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Conn's, Inc.
State: NC
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 Account XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate complaint. I filed a complaint in regards to my XXXX XXXX XXXX XXXX ending # XXXX not a XXXX XXXX account handled by XXXX. To date my complaint in regards To the XXXX XXXX XXXX XXXX ending # XXXX, has not been acknowledged by all parties. 

On or around XX/XX/2022, I filed a complaint with the CFPB against, XXXX, TransUnion and XXXX, XXXX for refusing to report my XXXX XXXX XXXX card ending account # XXXX. In my complaint I did not say XXXX XXXX credit card handled by XXXX I specifically wrote in my complaint that XXXX is refusing on report XXXX XXXX XXXX card ending account # XXXX. 

Instead of XXXX properly investigating the right account and acknowledging the core competences of my actual complaint file with CFPB in regards to my XXXX XXXX XXXX card, XXXX used another delay and fraudulent tactic by responding to CFPB with a different account with full knowledge this was the wrong in account in question further delaying reporting of a line of credit and history in good standing effectively lowering the credit scores of Americans of XXXX descent. 


On or round XX/XX/2022, I received my TransUnion, XXXX and XXXX credit report and noticed they are inaccurately reporting my XXXX XXXX XXXX card ending account # XXXX current open line of credit with excellent payment history as an account in dispute without payment history I have never contacted XXXX or the three credit bureaus and disputed XXXX XXXX XXXX card ending account # XXXX line of credit. In addition, TransUnion/XXXX  refused to report any payment history for this account or current balance left this information blank effecting my debt to credit ratio, effectively impacting the credit score. I believe this reporting error is intention and designed to lower credit scores of Americans of XXXX descent. 

I want the CFPB to investigate this deceptive business practice and find out how many Americans of XXXX descent are being impacted by this deceptive reporting practices and hold XXXX/TransUnion accountable. 

I want CFPB to investigate XXXX fraudulent responses CFPB consumer complaint and how using other wrong account information to respond to consumer complaint to deflect their deceptive business practices on the right account held by XXXX. 

I also want the CFPB to enact and enforce laws to protect consumer from this type of abusive reporting practice designed to lower American of XXXX descent credit scores.

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 2022-09-20
Company: CITIBANK, N.A.
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:
This is not a duplicate complaint. I filed a complaint in regards to my Citibank XXXX XXXX XXXX ending # XXXX not a Home Depot account handled by Citibank. To date my complaint in regards To the Citi XXXX XXXX XXXX ending # XXXX, has not been acknowledged by all parties. 

On or around XX/XX/2022, I filed a complaint with the CFPB against, Citibank, XXXX and XXXX, XXXX for refusing to report my Citibank XXXX XXXX card ending account # XXXX. In my complaint I did not say Home Depot credit card handled by Citibank I specifically wrote in my complaint that Citibank is refusing on report Citi XXXX XXXX card ending account # XXXX. 

Instead of Citibank properly investigating the right account and acknowledging the core competences of my actual complaint file with CFPB in regards to my Citibank XXXX XXXX card, Citibank used another delay and fraudulent tactic by responding to CFPB with a different account with full knowledge this was the wrong in account in question further delaying reporting of a line of credit and history in good standing effectively lowering the credit scores of Americans of XXXX descent. 


On or round XX/XX/2022, I received my XXXX, XXXX and XXXX credit report and noticed they are inaccurately reporting my Citibank XXXX XXXX card ending account # XXXX current open line of credit with excellent payment history as an account in dispute without payment history I have never contacted Citibank or the XXXX credit bureaus and disputed Citibank XXXX XXXX card ending account # XXXX line of credit. In addition, XXXX/Citibank refused XXXX report any payment history for this account or current balance left this information blank effecting my debt to credit ratio, effectively impacting the credit score. I believe this reporting error is intention and designed to lower credit scores of Americans of XXXX descent. 

I want the CFPB to investigate this deceptive business practice and find out how many Americans of XXXX descent are being impacted by this deceptive reporting practices and hold CitibankXXXX accountable. 

I want CFPB to investigate Citibank fraudulent responses CFPB consumer complaint and how using other wrong account information to respond to consumer complaint to deflect their deceptive business practices on the right account held by Citibank. 

I also want the CFPB to enact and enforce laws to protect consumer from this type of abusive reporting practice designed to lower American of XXXX descent credit scores.

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 2022-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 written several letters asking XXXX to provide information on how they verified that the collections and were accurate information that was listed on my credit report. They just keep sending letters stating verified and update 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 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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  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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Waterfall Revenue Group
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information was given regarding the account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported. It's been 2 months and no information given. No medical release to collect on this debt either No information given regarding the account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported. It's been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX, XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX. MY SS HAS BEEN FLAG AS LISTED ON THE DARK WEB

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 2022-04-24
Company: Continental Finance Company, LLC
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
My surge card application took ALL of my personal information before denying me. I dont appreciate my information being in their system to use or sell. 
I am reporting them to XXXX  AND XXXX XXXX. 
Most companies ask for the last four digits of our social, not the whole umber. 
I was XXXX  to give the info in the first place and I dont care that I was denied the card, but you have private info of mine and that is a BIG PROBLEM.

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 2023-09-30
Company: CL Holdings LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Pursuant to USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC1681 b. 2. Company has also NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4. 

I would like the following accounts removed : XXXX XXXX XXXX : ACCT : XXXX XX/XX/XXXX {$340.00} XXXX XX/XX/XXXX {$450.00} XXXX XX/XX/XXXX {$650.00} XXXX XX/XX/XXXX {$250.00} XXXX {$430.00} JEFFERSON CAPITAL SYSTEMS ACCT : XXXX XX/XX/XXXX {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
RE : Capital One Bank I sent two letters to Capital One asking that 4 accounts be closed, 2 checking and 2 savings. The last such letter was directed to the CEO ( attached ) and dated XX/XX/2020. To date, the accounts are still open. 

The accounts are at a XXXX balance. I tried calling the XXXX number and it takes to long to get through to a live operator, there is no option to close or send request through their web site.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
( XXXX & XXXX ) HAS VIOLATED MY RIGHTS. THE ACCOUNT SHOWED UP XX/XX/2022. 

15 U.S. CODE 1681 SECTION 602 A. STATES THAT I HAVE A RIGHT TO PRIVACY.

15 U.S. CODE 1681 SECTION 604 A SECTION 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30
Company: M&T BANK CORPORATION
State: NY
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 discovered in XX/XX/XXXX that there was a late payment reported to one or more Credit Reporting Agencies from XX/XX/XXXX for my mortgage with M & T Bank.

At that time, I had a medical emergency that required that I be hospitalized for an extended period. This unforeseen emergency impeded my ability to make the timely mortgage payment. 

Because I was XXXX at multiple and extended periods between XX/XX/XXXX and XX/XX/XXXX, I was unable to communicate with M & T Bank to request forbearance and certain other protections available to me under the CARES Act. This inability to communicate prevented me from attesting to M & T Bank as the mortgage servicer that I was experiencing a XXXX hardship and other complications caused by a XXXX diagnosis and subsequent extended XXXX 

I became aware that I was entitled to attest to financial hardship during the COVID-19 emergency and supplied medical documentation in support of the request for accommodation under the CARES Act as a borrower affected by the COVID-19 Emergency. 

Up until the medical emergency, I had an on-time payment history with the M & T Bank since the mortgage loan was originated. Subsequently, my payment history demonstrated ongoing and recurring on-time payments since being released from the hospital.

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 2022-06-26
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have repeatedly requested that incorrect personal identifiers on my credit report be removed. The only information that show be on my credit report : XXXX XXXX Social security number : XXXX XXXX XXXX Birthday : XXXX XXXXXXXX XXXX Telephone number : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX. 
XXXX, MD XXXX Anything else is not accurate and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called Transunion and was told that they can not remove this account due to it being an open collection on my report. 
I do not recognize these accounts at all we spoke to a rep- 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 2022-09-20
Company: Experian Information Solutions Inc.
State: PA
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:
TO WHOM IT MAY CONCERN : I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2023-10-28
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: Was not notified of investigation status or results

Complaint:
I am writing to file a formal complaint regarding the failure of the credit reporting agencies ( Equifax and XXXX ) and the debt collector [ XXXX XXXX XXXX ] to verify disputed information on my credit report, as required by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 



On XX/XX/2023, over XXXX0 days ago, I filed a dispute regarding : XXXX XXXX XXXX Account Number : XXXX on my credit report. As per FCRA 1681i ( a ), the credit reporting agencies are required to conduct a reasonable investigation and respond within 30 days. Additionally, under FDCPA 809 ( b ), the debt collector is also required to provide verification of the debt upon request. It has now been 77 days, and neither the credit reporting agencies nor the debt collector have provided any verification or response regarding the disputed item. 

The presence of this unverified information on my credit report and the failure of the debt collector to verify the debt have adversely affected me i invested XXXX on a business and currently trying to get it funded and because of there action I'm missing on a XXXX funding process because i keep getting denied. 

According to FCRA 1681i ( a ) ( 5 ) ( A ), if the credit reporting agencies are unable to verify the disputed information within the required timeframe, they are obligated to delete the item from my credit report. Furthermore, under FDCPA 809 ( b ), if the debt collector can not verify the debt, they should cease collection efforts. Given that it has been 77 days without verification from either party, I am requesting the CFPBs assistance in ensuring that the unverified information is removed from my credit report and that the debt collector ceases collection activities as mandated by federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: FL
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2022-09-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I filed for XXXX XXXX  bankruptcy XXXX  years ago. All of my loans were part of the bankruptcy but interest is still accruing and payments are still being expected. 

Now my loans are getting transferred all over the place when they should have not even existed at this point. 

This private loan was also taken out for XXXX tech which has been shut down for predatory business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Experian Information Solutions Inc.
State: PA
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 am filing this complaint because I have instructed Experian in writing to delete several false and misleading Trade lines from my consumer 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 non-monetary relief