BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-01
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I never given written instructions to add anything 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 2023-09-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 5th 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 records 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 an alleged fraud or extortion. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28
Company: MRS BPO, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On the day of XX/XX/2022 a Debt Collection Agency called : MRS XXXX XXXX XXXX XXXX has by way of fraud, engineered a debt in the amount of {$79.00}. notice this alleged debt is in the positive amount as if they are claiming to owe a credit, yet want someone to send them money for no reason. 

This debt collector is using a name similar to mine which is identity theft. debt collector MRS is also using a po box address which is a non contracting venue to send post to my private location for racketeering purposes.

I will now need the following from this unknown debt collector : 1. A legal contract with my wet ink autograph and MRS wet ink autograph showing a legal bind between both.

2. A true bill claiming i owe them such funds and/or debt. 3. A s
igned contract with my wet ink signature where i allow them to use my name no matter the spelling to sell information to credit bureaus.

4. If they are debt collectors which allegedly bought a debt from another legal fiction corporation, show me of a contract and the paperwork for him much they purchased the debt and any transactions binding me name. 5. Show me of a license to operate in the territory and state of texas.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
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:
report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Please remove these Fraudulent Inquiries from my report. 
XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
Multiple FRAUDULENT hard inquiries Transunion and XXXX will not delete these off of my credit report According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed! 



TRANSUNION XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX  - XX/XX/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 2022-09-21
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: Account information incorrect

Complaint:
Hello., This is my 3rd attempt reaching out to the CFPB regarding the reporting of XXXX Account XXXX XXXX. XXXX deleted the account after conducting a proper investigation and the account was deemed to be non-verifiable/reporting inaccurate information. However, TransUnion and XXXX keeps stating that the account has been verified which Im confused by if all the credit bureaus are conducting the same investigation and reaching out to the same creditor. 

Ive took it a step further and decided to reach out to XXXX myself via certified mail to verify/validate the reporting of the account ( tracking information attached ). 

The letter was delivered on XX/XX/XXXX and I received a letter from XXXX stating that they would respond within XXXX business from the date they received the letter ( XX/XX/XXXX ). Its been well over 10 business days and I have not heard anything back from XXXX. According to the FCRA this is a violation and Im requesting to have the account removed from my XXXX and TransUnion report immediately!! 

Also., It is my understanding that Under the FCRA 15 U.S.C .? S 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. The account is reporting 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 2022-06-08
Company: EQUIFAX, INC.
State: NY
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 the following accounts have violated my rights : XXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRUIST FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have not had access to my online account for 3 months. I have called at least 4 times from the number given to me by TRUIST. However, every time l, they do not pick up for an hour and then say that they are not the correct department. Even though its the direct number from an email sent about the locked 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 2022-07-28
Company: Comerica
State: MS
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My identity was stolen, I have social security XXXX and my daughter used my social security number for my benefits and credit with my social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Block, Inc.
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was in contact with XXXX XXXX, the hiring XXXX. He told me that I would need to pay for the time tracking software, and I told him that I could not pay the full amount of {$350.00}, because I don't have a job at moment. He then told me, that I could do a part payment of {$200.00}, which I have paid, and he told me that I would have to pay the full amount before getting the software added to the work laptop. I have requested a refund, but he refuses to give that money back, because I wasn't able to pay the rest. I paid XXXX XXXX of XXXX XXXX through Cashapp, and I requested the money back from him, which he declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2022 I made a payment of XXXX one day late and was charged a late payment fee of {$29.00}. This caused my payment to increase for the next month. I contacted Citi customer service and asked if they could remove the late fee as I have always paid my account on time and only fell behind one day due to XXXX issues. The customer service representative acknowledged I had always made my payments and stated he would remove the late fee. I then stated it was for a hardship so would that lower my payment back to the amount I usually paid and he stated yes to pay the amount of XXXX by the due date of XX/XX/2022 and this would resolve my issue. On XX/XX/2022 I made a payment of XXXX. I was then charged another XXXX late fee by this company. I placed another call to customer service. I explained the situation and the information I was given by the previous customer service representative. I was then informed my account had been closed by Citi. I requested to speak to a Supervisor and was transferred to their escalation team. I repeated my story yet again and was told I could not get another late fee removed even though the employee acknowledged I had been given incorrect information by the previous customer service employee of this company. I was offered to go into one of their debt programs as the only solution they could offer. I agreed to enroll in the program and set up automatic payments monthly to pay off my balance. The next month I get an alert from the Credit Bureaus that my account is being reported as over 30 days late which is now impacting my credit score. I place yet another call to customer service and explain this entire story and was informed that they have been trying to work with me and the account being late is my fault because I am not paying the correct amounts. By this point I was now furious as this entire matter could have been avoided had I simply been told back in XXXX by the customer service representative that I would need to pay XXXX instead of XXXX. I again request to speak to a Supervisor, am placed on hold multiple times then told " due to extenuating circumstances no-one is available to take my call and they will get back to me in 24-48 hours. I am filing this complaint as this is poor customer service in my opinion on every level. I have never made a payment 30 days late to this company. I paid the amount I was told to pay and it has been a downhill spiral every since. I am actively paying on this account so that I never have to do business with this company again. A simple XXXX search showed an alarming number of complaints against this company for poor customer service.

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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: MD
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:
I sent Experian Credit Bureau letters to dispute XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX and XXXX on XX/XX/XXXX to get these accounts removed from my credit profile as they are not mine. I have no knowledge of these accounts. My information has been leaked through the dark web. I have disputed online, over the phone multiple times and sent in letters to Experian and they refuse to remove it from my profile. I have spoken to agents from Experian where they have stated that they don't require these creditors to send any type of proof. It is my right under the fair credit act that these accounts send me proof and or verification. These accounts were opened in fraud and I want them removed from my profile as it has been over 30 days. I have made the same complaints with the CFPB and still have not received any information in regards to my complaints.

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 2023-07-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-10-26
Company: Experian Information Solutions Inc.
State: MD
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 Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. Please refer to the information that I've listed below ; I am not implying that these accounts are reporting right or wrong. I am just saying that I am not 100 % sure if they are accurately reporting.

FCRA 15 USC Sec 1681i ( a ) states ; where any unverified and/or inaccurate accounts must be deleted. I would like for the following accounts to be investigated for verification and 100 % accuracy and I would also like a report of your findings. Also according to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in an inaccurate account.

Im requesting to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, unverified and inaccurate accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX XXXX XXXX  ACCT # XXXX THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE INVESTIGATE THIS ACCOUNT FOR 100 % ACCURACY AND VERIFY. 


XXXX XXXXXXXX XXXX  # XXXX THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE INVESTIGATE THIS ACCOUNT FOR 100 % ACCURACY AND VERIFY. 


XXXX ACCT # XXXX THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE INVESTIGATE THIS ACCOUNT FOR 100 % ACCURACY AND VERIFY. 

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Could you mail me an updated report after you investigate and verify these accounts? Also, please let me know who had access to my file as well. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly.

Thank you for your assistance in this matter.

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 2022-12-01
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I last made the annual fee payment of {$59.00} in XX/XX/XXXX. On XX/XX/XXXX I went online to the Citi website and sent them a message under their help section asking them to cancel my account and credit card. I thought it was then closed. I next received a statement from Best Buy dated XX/XX/XXXX that stated there was no amount due on the account. Citi handles the Best Buy Visa account. Then I received a form letter from Citi dated XX/XX/XXXX and a text dated XX/XX/XXXX that said my account was past due. I logged on to the Best Buy " accountonline '' and their account information said i owed {$120.00} past due for XXXX XXXX, XXXX. 
Then I sent a letter to their address for Citi at XXXX XXXX XXXX, XXXX XXXX SD XXXX with the above history and once again asked them to cancel the card immediately and that I did not owe them. I did not receive a response to my letter. 
I called Citi today, XX/XX/XXXX at XXXX and explained the above history and asked for a waiver of my fees to a representative who then said she had discussed it with customer service and they denied my claim.

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 2022-07-01
Company: Experian Information Solutions Inc.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian is saying they did not get this report # XXXX and they make it very hard for me to call them and they act incompetent at their job I spoke to XXXX at Experian on XX/XX/2022 at XXXX EST and she claimed this was not submitted and I want the status of this complaint immediately as a Consumer I am entitle to this information in a timely manner 4 days from complaint date which was XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I've been trying to make a payment on my XXXX XXXX XXXX ( the one you can only use at XXXX  and is issued by Citi Bank ) for the last month. I used it for years, zero problems till this month when I went online to pay and when hit submit payment it didn't go through and gave me this message " payments operations disallowed due to account status ''. So I tried over the phone and didn't work so they transferred me to an agent. For 2 days I was with 6 different agents for hours and they can't figure out what is wrong, they hung up on me, transfered me to different agents without notice so eventually my payment was past due. They gave me a late fee but were able to reverse it. They said they created a case, never gave me a case number and would contact me with a solution. It has been two weeks and nothing so I decided to try again online and over the phone and the same problem. Again talked to 3 different agents for hours with no solution. We tried different checking accounts, debit cards to pay and nothing works. It's not my accounts cause I paid all my other bills and had no problem. I even tried calling Citi directly but can't get through their automated system if you don't have an account with them, since my card is not visa or mastercard, it is just for XXXX they don't recognize my account. I'm don't know what else to do, XX/XX/05 is my next payment and I don't want late fees I don't deserve. This is hurting my credit score and I just want to know why I get that message and pay my total {$280.00} and possible just close that account, don't want to go through this again.

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