BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-20
Company: EQUIFAX, INC.
State: MI
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 made multiple futile attempts to dispute the fraudulent items with you. Your correspondence stated that the account in question " WAS PREVIOUSLY INVESTIGATED. '' I diligently accessed my Credit report through your respective websites and obtained copies of the information pertaining to : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX ( Original Creditor : PROGRESSIVE ) XXXX Balance : {$240.00} U.S. Bankruptcy Court XXXX  XXXX bankruptcy Reference # : XXXX. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( a ), it is mandated that upon receiving a dispute, each consumer reporting agency must conduct a free reinvestigation, accurately record the current status of the disputed information, or remove the item from the file within 30 days. This timeframe commenced on the date the dispute was received, and unless the account is deemed frivolous or irrelevant, there has been no indication that my dispute falls under these categories. Yet, the item continues to persist on my file with a mere last investigation. Given this information, I demand the immediate deletion of the disputed accounts from my Credit file in accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( a ). I will NOT entertain another reinvestigation of the account ; ONLY deletion will be acceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-03
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This complaint is against Citibank , N.A . due to the institution 's failure to issue a {$2000.00} credit balance refund. 

On or about XX/XX/XXXX, a debit card payment was made to a third-party, XXXX XXXX/XXXX XXXX XXXX and on or about XX/XX/XXXX, a refund for the same amount was issued to my Citibank debit card ending in XXXX. 

The problem is that the checking account associated with said debit card was closed days earlier ( the merchant issuing the refund was unaware ). Since the time of the refund, I have contacted Citibank Customer Service no less than five times, having spoken with at least two supervisors who have promised to have the refund of {$2000.00} sent to me by check in the mail. 

It has been a month and this institution has failed to resolve this matter satisfactorily. I request the assistance of the Consumer Financial Protection Bureau to rectify this matter as soon as humanly possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX - Account number : XXXX Account name : XXXX - Account number : XXXX Account name : XXXX XXXX  - Account number : XXXX Account name : XXXX XXXX - Account number : XXXX Account name : XXXXXXXX XXXX XXXX  - Account number : XXXX Account name : XXXX XXXX - Account number : XXXX Account name : XXXX XXXXXXXX - Account number : XXXX Account name : XXXX XXXXXXXX - Account number : XXXX Account name : XXXX - Account number : XXXX Account name : XXXX - Account number : XXXX Hard inquiries : XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX - XXXX XXXX XXXX Equifax XX/XX/XXXX - XXXX XXXX Equifax XX/XX/XXXX- XXXX XXXX - Equifax XX/XX/XXXX - XXXXXXXX XXXX XXXXXXXX - XXXX XXXXXX/XX/XXXX- XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax XX/XX/XXXX - XXXX  - Equifax XX/XX/XXXX - XXXX XXXX Equifax XX/XX/XXXX - XXXX - Equifax XX/XX/XXXX- XXXX XXXX  XXXX Equifax XX/XX/XXXX - XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  - Equifax XX/XX/XXXX XXXX DEPT OF ED - XXXX XX/XX/XXXX - DEPT OF ED - Equifax XX/XX/XXXX - XXXX XXXX XXXX - Experian 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

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

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

15 U.S.C. 1681S-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: CA
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've contacted XXXX XXXX and XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on these accounts. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$620000.00} and XXXX XXXX Date Open : XX/XX/XXXX Balance : {$250000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I traveled to XXXX. On XX/XX/XXXX during the trip, a vendor/employee used an extra XXXX machine to charge my card for {$480.00}. I did not know of the charge until a few days later when looking at my account. I called immediately to dispute the charge, and even gone through the appeal. They state that because I had valid charges after the fraud, it was not fraud. I explained that I was unaware what was done until after I used my card several more times. I have requested the credit card company provide me a receipt. They have given me the run around on getting a receipt. If they don't have a copy of my signed receipt, how can they know it was me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: CITIBANK, N.A.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
I have spent over 15 hours on the phone with Best Buy citi bank. They transferred me multiple times to different departments. My identity was stolen and card used to purchase items back in XXXX ( over XXXX worth of items from a XXXX ). I submitted paperwork showing that our entire neighborhood was targeted. They keep saying oh yes, these charges will be removed- it is clear fraud. It is never removed and continues to gain interest. There are notes in multiple of their systems explaining the issue. They just never get it fixed. I have had to call and be re-routed weeks and weeks later. I am at my wits end. This is wholly unacceptable.

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 2021-08-25
Company: EQUIFAX, INC.
State: AZ
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:
I demand the 30-day late marks reporting to my credit reports in error be removed right away. The 30-day late marks from XXXX and XX/XX/XXXX arent valid and are having a large negative impact to my credit scores and my ability to qualify for a new mortgage at the best interest rates. The XXXX mortgage loans ( accts : XXXX, and XXXX ) both show late payments for XX/XX/XXXX. XXXX loan acct XXXX was transferred to XXXX  mortgage loan ( acct XXXX ) and shows a 30-day late payment for XX/XX/XXXX. Both the XX/XX/XXXX and XX/XX/XXXX 30-day late marks are completely invalid, and I demand for them to be fully removed from my credit history. I have attached the related, redacted copies of my bank statements showing each on-time payment made from XXXX of XXXX through XXXX of XXXX as evidence neither of my accounts were ever 30-days late, and the reporting is INACCURATE. This servicer was XXXX, they are no longer in business having gone into federally approved bankruptcy in XXXX. Additionally, when I researched the company, I can see they had a class action lawsuit filed against them for misreporting missed payments, so it appears they are damaging a lot of consumers credit reports wrongfully, not just mine. I would appreciate your assistance in investigating this manner right away and getting these late marks removed fully from my reports. As required by the FCRA, all aforementioned information/disputed items that are obvious errors must be deleted from my reports. As stated in the FCRA, or Fair Credit Reporting Act, Section 609 : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 4 ) The dates, original payees, and amounts of any checks upon which is based any adverse characterization of the consumer, included in the file at the time of the disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: NJ
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
All credit bureaus are reporting that bankruptcy that are not verified and the data furnisher has already admitted to errors in reporting but credit bureaus can not supply me with court certified and verified copies of bankruptcies after their so called investigations.

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 2018-11-12
Company: BARCLAYS BANK DELAWARE
State: CO
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:
Hi, i have been checking my credit report recently and i went to the section where the hard inquires are and i have no idea what this one is. it is " Brclysbankde '' Inquiry from XX/XX/2018 Nor do i remember doing anything around that date with said merchant. 

My family and i have been involved with someone getting into our credit account and i think that maybe what had happened here. 
I have no recollection of this And i am in the process of repairing my credit and i wouldnt just " apply '' to anything, especially with a score so low. 
I know derogatory remarks can stay on the report for a while and i dont want this one thing that i didnt do hold me back for apply for an apartment in the summer time. 
I tried to contact XXXX XXXX, havent heard back. so i escalated this situation with you guys. 

I only ask if you can please remove the derogatory mark from my credit history.

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 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2022-05-24
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
XXXX I realize I never received my Discover Card statement, which i normally get my statement by mail around the XXXX of the month. I called Discover and they claimed I opted in for paperless statement which was a lie. Discover claimed they would take care of it. On XXXX XXXX I finally received my statement from Discover, which made my account late. I have been with Discover Card since XXXX  and have never missed a payment nor been late. I wrote a check for the full amount of {$550.00} then went to the post office and mailed my payment. Discover claimed they didn't receive my payment until XXXX XXXX. 
For my XXXX statement I received a statement stating I owe {$1000.00} which was a lie. My total owe for XXXX was {$660.00} which I paid in full on XXXX XXXX. Discover claim I never paid my XXXX payment of {$550.00} which was a lie. I have my statement showing that my bill is paid and my statement from my checking account stating it was paid. Discover is claiming I owe {$450.00} plus late charges that I refuse to pay. Discover can not show me where I missed any payments or made any charges. I have talk to numerous customer service representatives, I have yet not received one phone call from supervisor like I asked several times. I am still getting the run around today. I even ask Discover if I owe this amount, show me what I owe, and explain to me what I owe, which they have not done to this day. I have always paid every bill I have made on time and paid in full, so why wouldn't I not pay my bills now. I am a XXXX XXXX XXXX elderly man who is being taking advantages of and I need help to solve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
American Express process my payment automatically every month 2 days before the due date and this month there wasnt enough money in the checking account so I contacted them the next day if they could make a manual payment before the due date to avoid late fees they refused and said it is impossible. I need to wait three days for that automatic payment to come back, at which point it will be after the due date and then they will process it again and I will be charged late fees. 

This is an unfair practice that I have not experienced at any bank to not allow a manual payment at any time, essentially refusing to take my money and forcing me to pay fees. This should be illegal and I assume many consumers of American Express have been hit with fees due to this practice and it should be thoroughly investigated. 

See attached my conversation with the American Express agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hi my name is XXXX XXXX I lived in an apartment with XXXX XXXX at XXXX XXXX  XXXX XXXX XXXX we made reports of mold out break in our apartment. They did not seem to fix the problem we also had a leak in our floor so we had mold all over there was a leak in the living room and we complained so they fix it. They took theyre time to fix things that were broken. We had bug infestation and we were getting sick from mold we tried to fix the problem our self so we gave 30 day notice we were leaving. We left XX/XX/2017 I believe and we relocated i checked my credit and I have a debt collection I was not aware of and I did not recognize any written notice about a collection or a phone call or any thing I called to ask what this was about and she said XXXX XXXX I was not notified that I can dispute this collection. They claim there was damage to my apartment and the apartment was fine when we left besides the mold Every where that they decided to do nothing about I even reported this problem to the health department and nothing was done about it. And as far as cleaning fee I did not get any receipts and I did not get my deposit refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account, 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. The following Account ( XXXX ) : XXXX XXXX XXXX  Acct # XXXX Amount {$950.00} - Dispute Account Information Address XXXX XXXX XXXX XXXX XXXX GA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2022 Responsibility Joint Account Type Open Account Loan Type XXXX XXXX Date Updated XX/XX/2022 High Balance {$950.00} Original Creditor XXXX XXXX XXXX Past Due {$950.00} Pay Status >Collection<

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 2019-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
My husband has no middle initial. I have no middle initial. All of a sudden we are seeing mail from our bank and other companies showing we each have the same middle initial. I telephoned Trans Union twice. Each time the call was answered by someone from a call center I believe was not in the United States. She asked a security question. Name 2 of these 6 companies your husband worked at. My husband worked for none, not one, of those companies.

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 2023-10-12
Company: EQUIFAX, INC.
State: AZ
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:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: WELLS FARGO & COMPANY
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:
I Seen these inquires on my account and will like for them to be removed.

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 2023-09-05
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize these companies to run my credit.

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