BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-15
Company: EQUIFAX, INC.
State: GA
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:
Fraud Victim Assistance Department Dear Sir or Madam : This letter is a formal complaint that you are reporting inaccurate credit information. I am very distressed that you have included inaccurate information in my credit profile. Due to its damaging effects on my good credit standing I have been wrongfully denied credit. Credit reporting laws ensure that bureaus report only accurate credit information. This inaccurate information is a mistake on either you or the reporting creditor 's part. 
With the proof and proper documents that I'm attaching to this letter, please remove all negative items from my credit report. I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have also received letters from Equifax and XXXX detailing my information was found in their data breach. I have received notifications from XXXX and XXXX that my data has been found on the Dark Web, along with my mailing address being found on USPS mail forwarding system. I was not receiving mail for some and received confirmation from the USPS that my mail was set up for mail forwarding. I immediately contacted USPS and notified them I never consented to my mail to be forwarded to another address. I did not authorize any of the following above. Items I am disputing do not relate to any transactions that I have made or authorized. I have also attached a copy of the notification from XXXX of my email being compromised. Theres a name listed on the notification as well. Please remove this information at the earliest possible time please. 

XXXX XXXX XXXX XXXX Balance {$9100.00} XXXX XXXX XXXX XXXX, WA XXXX Account # XXXX XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2021-02-19
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 purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I dispute a charge made for on XXXX XXXX on my citibank credit card because I never received item.On XXXX Item was damaged when driver came to deliver item was sideways no upright and dent and scratches etc. I called seller they said don't accept it because of damage and they did not ship it sideways like in Pictures I sent them. They emailed me stating they issued a full refund. On XXXX I called citibank told them situation about no getting a a refund for XXXX customer service instructed me to contact seller again to get refund and if they do not call back and open a dispute. I called seller they said sorry about refund and they will process it and they don't know why it didn't get processed earlier.. after waiting for refund and not receiving it I called citibank and made dispute stating I never received item because it was damaged. I sent them proof that I did not accept item because of damage and Pictures showing item sideways on pallet with damage. So I was charge of item that I never took possession of and sent proof to citibank of item not accepted because of damaged from shipping company bill of landing and Pictures showing item sideways. I thought there was credit card protection from things like this.if you need any more information Pictures and proof I did not receive item I can email it to you

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 2023-06-03
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with convenience check

Complaint:
Although I never had a Barkley/XXXX credit card, they implied I had, and sent unsolicited convenient checks. I used two of the three and paid Barkley the amount I had used on the checks. However, they are charging me {$20.00} for using each card, and now late fees. Please tell them, I never dreamt they would charge for use of the checks. Therefore, I am not paying the $ XXXX + late charges. Please tell them to stop bothering me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
State: LA
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 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 inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, Virginia XXXX Re : Account number : XXXX To Whom It May Concern, This letter is a formal dispute and request to remove late payments from my credit report. The information is incorrect, untrue, and the laws pertaining to furnishers reporting late payments is quite clear. I have outlined it below : Section 623 ( a ) ( 7 ) requires a financial institution that regularly reports negative information to nationwide CRAs to provide one clear and conspicuous written notice of that practice to consumers, no later than 30 days after first reporting such information. My research has found this notice is typically found on monthly statements, however : 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative information ( E ) Use of notice without submitting negative information No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency.

Additionally, FTC Advisory Opinion to Harris ( 03-22-99 ) states : " Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. This opinion goes on to address the reporting of late payments stating this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct.As you can see the law and FTC opinion state that you, the furnisher, are NOT legally bound to report negative information. Please refrain from continuing to report the late payments on my credit reports. The account is current, and thus, you have a duty to correct and update the negative reporting of late payments. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
American Express has filed a lawsuit against me without having a valid contract in place. I rescinded the consumer credit agreement a full month prior to the suit being filed. I had sent several payment to the company and they were ignored and/or returned. Then without notice of the intent to sue for the debt the company served me with a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: CITIBANK, N.A.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a united XXXX veteran, While in service my unit provided me with a commercial travel card from CITI back which they used to pay for the travel fights and for missions and training. 

This was a restricted card and was paid by the United States XXXX, Upon the XXXX transferring me to a new unit, My prior unit never handle the card pay for my last training mission or paid it late Because of the lack of someone in the past XXXX unit outside of my control forgetting to take care of this account because I was targeted to a new unit and was forgot about. 

I have disputed this account with the information above to the credit reporting agency as a business account that I am not responsible for. As well sent goodwill later asking for this to remove from my credit report because and this was a commercial account for the united states XXXX which I was not responsible for paying. They have denied all my good faith a temps

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Sent a letter asking Equifax to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. According to 15 USC 1681- Equifax have 30 days to investigate and send me the results. And Equifax also didn't even record the current status of the disputed information, which is another violation.

I have all the evidence attached.

I have enclosed a copy of a letter I received from the US Dept of Education ( Account Number XXXX - {$6900.00}, Account Number XXXX - {$1700.00} ) to serve as evidence that these accounts should be removed from my credit profile immediately. I have cleared this up with them, and it is resolved. Remove it from my credit profile immediately. 

When I called Equifax, a representative said that they had not received any of my letters I sent to them. The address I mailed the letters were sent to Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX and according to USPS my letters were delivered successfully. Equifax does not go through the letters I send them in a timely manner. This is not the first time it has happened when sending them mail. This is unfair, deceptive, or abusive acts and practices. This violates my rights protected by law under the FCRA. 


I also sent a copy of my passport, driver 's license and social security card, and a copy of my Identity Theft Report by certified mail they requested. 

XXXX XXXX Inquiry : Inquired on XX/XX/, 2022 : I did not apply for this credit card. Please remove it immediately from my credit report immediately. 
XXXX Inquired on XXXX XXXX, 2022 : I did not apply for this credit card. Please remove it immediately from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX I don't know, I just looked at my credit report and saw it was on there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-03-03
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2021-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AP
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Applied for Bank of America XXXX XXXX XXXX XXXX late XX/XX/ 2021. 
Instant reply was : Denied, we will send a letter explaining why Received letter to my military APO address XXXX XX/XX/2021, dated XXXX XX/XX/2021, stating the application was not approved because, " You are currently or have recently been enrolled in a consumer credit counseling service or a reduced payment plan. '' A check of the XXXX  credit report they CLAIM to have used to disapprove credit shows NO such information and no indication of any such service or payment plan This is behavior by Bank of America ( B of A ) is problematic for three reasons : 1 ) Neither I nor co-applicant nor anyone in my household is or has been enrolled in a consumer credit counseling service or reduced payment plan - NONE. This matches the ABSENCE of ANY such notation in Credit Report. Credit report is not wrong, only B of A 's false claim / excuse is wrong. 

2 ) Was this actually B of A discriminating against Americans XXXX  XXXX  with U.S. Military addresses, even when a credit report verifies those military addresses? My credit score from XXXX was over XXXX, according to B of A 's letter of denial, and claim of " consumer credit counseling or a reduced payment plan, '' proved false by looking at credit report. So, why the false claim and why the denial? What other hidden criteria did B of A ACTUALLY use to deny credit? Why did they lie about it in their written explanation? 

3 ) Even if we HAD been enrolled in credit counseling ( we are/were no ), it seems worrisome that receiving consumer counseling services would be a negative thing used to deny credit. Shouldn't disapproval of credit be based on ACTUAL losses or failures to pay rather than consumer education received?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$21000.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXXBalance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I searched for a flight in business class, XXXX, departing XX/XX/XXXX and returning XX/XX/XXXX. Capital One advertised an offer on their site whereby I could purchase a ticket using points I had accrued through use of their credit card ( I have hundreds of thousands of points ). I input all of the necessary information, including clicking the " luxury '' class of service and was offered a ticket on XXXX XXXX in XXXX XXXX, the airline 's international business class product. Note, for both the outbound and return flight selection there was a dark blue box noting " Luxury Fares '' and stated " Luxury reclined seats, personalized services and premium meals. Priority boarding also included. '' Capital One 's site was a little buggy, so I spent approximately two hours when making this booking to be certain I hadn't made an error on any aspect of the itinerary as the tickets were said to be non-refundable. I completed my purchase and received a confirmation email showing both of my tickets were in the main cabin, not in XXXX XXXX. I checked the confirmation number with XXXX 's site and both tickets issued were in economy class. 

I contacted Capital One and spoke with a supervisor by the name of XXXX XXXX. XXXX XXXX said she would check into the matter and get back to me. She called later in the day and informed the flights books are ticketed in economy class and offered a refund. I explained that I am scheduled to undergo a major XXXX  XXXX this week and had no time to search for new tickets. Moreover, I emphasized that Capital One 's site offered tickets clearly marked as Luxury in XXXX XXXX and that I expect the company to honor the product I purchased. XXXX XXXX stated she is aware that the company 's site is " buggy, but could not ( or would not ) honor the product as advertised. This is a clear case of false and misleading advertising. Capital One should provide the XXXX XXXX ticket advertised and purchased on their site ; and they must honor the dates and times as I booked them. 
Screen shots are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I put through a dispute with Wells Fargo on XX/XX/2022. XXXX XXXX sold me a {$590.00} Defective phone. XXXX XXXX rep did not put in my XXXX card so it wouldnt work. Same day I had no directions & I tried to return it. XXXX XXXX refused. I tried it. The earphone was taken out. I purchased an earphone adapter. While using the phone, the volume went to zero. I returned it to the store. XXXX XXXX refuses to admit their phone is defective and employee did not put in XXXX XXXX XXXX XXXX card. I returned the phone to XXXX XXXX on XX/XX/2022. I request my refund.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter last XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous request & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$880.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation