BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
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:
Summary of issue : A mortgage loan officer from Citizens Bank pulled a copy of my credit report ( hard credit inquiry ) without my authorization. 

Details : On Saturday, XX/XX/2020, I went to the Citizens Bank branch at XXXX XXXX XXXX XXXX, MA XXXX to make a deposit into my checking account. After I was done with the transaction, I asked the teller if they could let me know their current 15 year fixed mortgage refinance rate. The teller said he didn't know what the rates were but if I left my phone number he could have a mortgage loan officer call me and let me know the rates. So I provided my phone number to him. That afternoon I received a call from the Citizens Bank mortgage officer who provided me with the current rate. As the rate was too high compared to other mortgage companies that I had already inquired with, I said I was not interested, but she could let me know if the rate falls on Monday. This was a process I had gone through with 3 other lenders and they were keeping me posted on the rates. 
Shortly after I hung up, I received an email alert that a lender has requested a copy from my credit report. I was very concerned as I had not given anyone permission to pull my credit report. I contacted the Citizens Bank mortgage officer to find out if that was her. I did not hear back from her until the following day when she said that indeed she had pulled my credit report in order to give me a more accurate rate. ( I attach a copy of her email response ). I followed up over the phone and when I said that I had not authorized this credit inquiry she said she thought that I had given my permission to the bank teller at the branch. I have shopped around for mortgage rates and have refinance twice in the past without any lender ever pulling my credit simply to quote me a rate. I had not given her any indication that I was planning to refinance with her. 
I find this extremely unprofessional and feel that my privacy has been violated. Just because the Bank has my personal information ( because I have a checking account there ), this doesn't give these individuals the right to use my personal information without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2022-03-21
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act - XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. I have sent in documentation of proof several times to the bureaus. 
XXXX and Equifax are in violation of the law and my rights. The bureaus are reporting inaccurate information. The bureaus response has been verified and accurate. This deceptive information is affecting my life. I continue to get denied for credit from certain financial institutions and credit companies. 

15 USC 1681 Section 602 A Accuracy and fairness of credit reporting which states I have the right to privacy.

15 USC 1681 Section 604 A ( 2 ) states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681e ( b ) Compliance and procedures Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
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: Investigation took more than 30 days

Complaint:
I had called XXXX because I was behind due to lack of Child Support payments, I let them know every month I was doing everything to maintain the account. I was on SSDI and I have XXXX XXXX XXXX kids. In XXXX of 2019 I called to let them know that by the XXXX of the month that I would have the payment. I was told that it was out for recovery but they would work with me. Three days later my car came up missing. I called XXXX explained to them what had happened. I was given the information on how to retrieve the car and was told that they would work with me to get the car back. I had the money at the end of XXXX, paid the money and immediatly recieved a call back saying that they did not have the car? That it must have been stolen. 

I live in a gated community and it has been here for 10 years and so has the leasing agent and she told me that they had not even had a potted plant stolen let alone a car. Her boyfriend is a retired XXXX   of 25 years. Here is what he told me and said that law enforcement is aware of this loophole in the California law but they can not do anything about it. 

When you car is out for recovery it is put on a " State '' website. Not a company the finance company works with but a sight that anyone, anyone can pick up a car and it is the honor system to report it. If the company that picks it up does not report it they sell it for parts. That explains why a XXXX dollar XXXX and a XXXX XXXX was not stolen. Foreign cars mark their parts so that is why they only do this to American made cars and mine was a XXXX XXXX. 

So the insurance knows about this, the finance knows about it and law enforcement. It is the consumer that suffers. 

The finance company did not due their do diligence, maybe purposefully to see if they did pick up the car hours after because that is when I made the call. There was no way to get ahead and look for it because when I made arragements to pay fully thinking I was getting car back it was already gone. 

I had to report the car stolen and then had to report that to my insurance and be held accountable for a XXXX deductible, and then had the remainder of my loan put on my credit report plus my year of payments until I had trouble they got to keep, I was left without a car with XXXX XXXX kids and myself being XXXX and them having to miss their medical appointments and not being able to get food. 

I did everything right and have been extremly penalized by a large corporation and it is all on my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: EQUIFAX, INC.
State: GA
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:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: EQUIFAX, INC.
State: SC
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:
Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE Balance of {$1.00}, XXXX. 

Account Name : XXXX XXXX  Account # XXXX PAST DUE BALANCE OF $ {$1100.00} ( Account in Collection/Charge off please delete ) Date open : XXXX is XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, and Equifax show XX/XX/XXXX High Credit : XXXX is reporting {$1100.00} and XXXX show XXXX, and Equifax show {$1100.00} Lasted Reported : XXXX is reporting XX/XX/XXXX. XXXX show XX/XX/XXXX and Equifax show XX/XX/XXXX Date of Last Active : XXXX show XX/XX/XXXX, XXXX show XX/XX/XXXX and Equifax show XX/XX/XXXX Past dues balance, Date open, High Credit Lasted Reported, and Date of Last Active all show inaccurate on this account accordance to XXXX XXXX Guidelines it MUST be delete. 

This is a violation of the FCRA and is also in violation requisite METRO XXXX reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the righto a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory item be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
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:
This account does not belong to me, please block and remove according to 15 USC 1681c-2.

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 2022-03-26
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dont know this company ( credit adjusters ) or the company they represent. I had call several times but they always ask me about my social security number to give me information and I dont want to provide that information over the phone. I would like this to be remove of my credit report of posible or have the documents that supposed to be sign for me. Because they dont want to provide any of these. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: CITIBANK, N.A.
State: GA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021 we were shopping online for XXXX XXXX and ended up on the website XXXX, which appeared to be an outlet online mall for XXXX XXXX with all the appropriate XXXX XXXX on it. There was no indication that this was not a legitimate site and we ordered tools in the amount of {$490.00}. 

When I saw the order confirmation, I started to be suspicious, because there were no official XXXX XXXX anymore. At the same time I received an alert from my Citi credit card, informing me that this was an international charge from XXXX with a website XXXX 

We therefore immediately called XXXX XXXX XXXX the original Manufacturer ), who confirmed that there are fake websites out there and that they have been trying to shut this website XXXX XXXX XXXX down ( see enclosed warning from their website ). 

We were not able to establish contact with XXXX and XXXX day later the website was not active any longer. The website XXXX however also shows a warning that this is a pishing site ( enclosed ). 

Needless to say, XXXX or XXXX were never intending to send any of the ordered products. 

I disputed the amount immediately and also called Citi customer service, explaining the situation. After the disputing process my credit card company processed the charge anyways and provided order details from the merchants bank that the products appeared to be sent under the tracking number : XXXX ( see attachment ). 

Consequently I have entered the tracking number on some of the most common shipping carrier 's websites and it appears that a shipping label was actually created on XXXX, but it was never dropped off at the post office, which proves that merchandise was not shipped. 

Any attempts to contact the " merchant '' were unsuccessful, because the fake website that we ordered from has been shut down and emails returned with error. 

Despite all the evidence brought forward and multiple letters and phone calls with Citi, the credit card company is not willing to charge back the amount.

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 2022-03-20
Company: DISCOVER BANK
State: TX
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 report act .the following accounts have violated my rights. 

! ) discover bank account # XXXX XXXX ) XXXX XXXX account # XXXX XXXX ) XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. STATES I HAVE THE RIGHT FOR 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 MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2020-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Prior to the beginning of 2020 I have had an excellent payment history with Capital One. However, due to financial hardship in addition to the pandemic I was not able to make my monthly payments. I must admit that I did not do my part in contacting Capital One in a timely matter. It was an overwhelming time, but I do apologize for my negligence. I have occurred late payments from XXXX, which is negatively effecting my credit report and history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
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:
These were hard inquiries on my report that I did not authorize, I already filed a police report and contacted the companies listed directly. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Citizens Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Credit Karma, LLC
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had used XXXX XXXX  to do my taxes for 2021 everything went great said do u want to revive you funds 5 days fast was like ok sure hit the botton and brought me to another menu with credit karma I have had a account with credit karma for year to keep a eye on my credit didnt think anything of it signed into fiqure it. Was a site help me build credit no it was a site to start a new account and transfer my tack check to. I then proceeded to close the account but now since my tax check was being sent there I couldnt close it.so I was going transfer it to my account added my bank to it wired a bit of money over make sure it was approved for transfers still no red flags. So my check was to be cut on the XXXX of XXXX I called them about the 5 day early thing I got the runarounds for 3 hours this is on a Sunday credit. Karma blamed XXXX XXXX blames credit karma. Now Monday I go back to the phone called credit karma said it was XXXX XXXX called XXXX XXXX and they gave me the number to the bank well now its about XXXX XXXX started at XXXX the rep asked my info gave it to them they had no recorded of me at all not my as number name address nothing at all they told me call XXXX XXXX  I did they didnt see anything between them and I at all ether now its 2 days before check was going I said forget about it Ill call credit karma again so I did asked them where my debit card and my refund they said dont know have recived it and card should be slithers soon I got a letter from XXXX said you refund got to the company they use for payment an should have my refunin 2 to 3 day called credit Karma read so waiting on the refund wondered where my cru Karma debit card was. Emailed them and in them everyday since the XXXX.I called again they said must be lost in transit order a bother 1 this is now 3 I have then yesterday I received a email by itself saying your refund is deposited so called then about the debit card advise me can use XXXX XXXX or XXXX XXXX  if you need so put it on XXXX XXXX  and go threw there is XXXX dollars iti was was trying to find my deposit they no them have denied a investigated I still have no debit card so now they Have over XXXX I told em to transfer it to my account refuser. How now I have messaged them asked for phone call told only email upper staff with now Im out XXXX dollars no debit card and no money I. The account and told to its by credit karma that was still have anything from credit karma and they are holding all the money there the can not transfer nothing transfer there and still havent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in 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. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

Fraudulent 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 2021-10-16
Company: R & B Corporation of Virginia
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After seeing a reported collections amount on my credit report in the amount of {$1000.00}. I contacted Credit Control Corporation to understand further. They sent me a bill of {$1300.00} on XX/XX/XXXX to which I sent a validation later via US mail on XX/XX/XXXX to their po box . It was not returned and thus assumed delivered as addressed. CCC has still not sent me a validation package validating this debt of {$1300.00} they say I owe. It's been over a month now, the collections item hasn't been investigated at all, nor have I recieved validation that I owe this debt. This reported collections bill has taken a toll on my everyday life as I am trying to find a home and I would like to get the issue resolved as quickly as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
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:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXXXXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4900.00} ), XXXX XXXX  XXXX Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$340.00} ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$210.00} ), XXXX XXXX XXXX XXXX ( Account XXXX : XXXX, Open Date XX/XX/XXXX, Balance : {$24000.00} ), XXXX XXXX XXXX ( Account Number XXXX XXXX XXXX Open Date XX/XX/XXXX, Highest Balance : {$37000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation