BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
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 Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: CITIBANK, N.A.
State: WA
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:
There are 13 fraud charges from uber trips between XXXX on my CITI credit card . I was contacted by CITI fraud department on XX/XX/2021, and I disputed all these charges from XXXX as I didn't use XXXX for months. After several weeks of security investigation, only 12 charges were refunded. 

2 of the 13 charges have same amount {$48.00}, and I only get 1x refund for {$48.00}. So I opened a dispute " unrecognized charge '' on the second {$48.00} on XX/XX/2021. I didn't see any update after 2 weeks, so I called CITI on the beginning of XXXX. The agent heard my story, and confirmed I have 2 fraud charges of same amount, but I only got one refund. She issued a credit of {$48.00}. 

On XX/XX/2021, I got email from CITI said " My dispute has been resolved '' and " view my message ''. But CITI secure message center said I have no message. I also noticed there was a charge of {$48.00} on the card as " reverse uber trip ''. I had no idea what's going on, and called CITI again. The agent said they would investigate. 

Another 3 week passed, nothing happened. On XX/XX/2021 I use live chat to talk to CITI. 
And I finally figured out : 1. My dispute was resolved as " the merchant denied the refund request and you must request the refund directly from the merchant ''.

I explained to the agent my disputed charge is fraud, I don't have any trip under my XXXX account on these days and I got all the rest XXXX trips refunded. Why this one is so special? 

2. Then I learned that " In the case of fraudulent transactions they shouldn't be disputed at the security investigation process is different from the payments disputes process. '' However, CITI website only supports opening dispute as payment dispute. I filed dispute as " Unrecognized charge ''. Customers don't have option to open security investigation, and I clearly stated these are fraud charges in all my calls with CITI. 

3. When I asked the agent how to get refund then, I was told " If you'd like I can refer the second transaction for {$48.00} to the security team to review. However I can't guarantee they will provide a credit for that transaction as it has already been disputed. '' This is so ridiculous, CITI security team missed one fraud transaction first, then later multiple agents were unable to help customer to file the correct dispute, and last customer were told we might not get credit because it was disputed incorrectly? How would customer know all these difference between fraud dispute and payment dispute? We see unrecognized charges, and we dispute it under this reason.

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 have attached an FTC report with fraudulent unauthorized inquiries. Delete fraudulent unauthorized inquiries.

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 2023-08-07
Company: EQUIFAX, INC.
State: CA
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 recently received a notification from XXXX XXXX  that my personal information was exposed during a data breach taking place earler this year. 
I also received a notification that a creditor on my credit report ( XXXX  XXXX XXXX XXXX had a data breach where my personal information was exposed. 

I have an inquiry on my credit report that I did not authorize or solict their products. 
XXXX. XX/XX/2023. Equifax I contacted Equifax on 5 different occassions : XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023. On all these occassions I was told that the item would be removed and was giving a conformation number. But whenever I called sharing the conformation number I was told it would take up to 30 days to be removed. During the last call I was told " it was not removed because we could not read your driver 's license '' I asked to speak to a supervisor and was put on hold for 27 minutes and once someone answered the call was disconnected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-20
Company: Experian Information Solutions Inc.
State: CA
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 delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap. XXXX   XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-10-05
Company: Kansas Counselors, Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX wrong full charged for ambulatory services I disputed chatge because I had and have medicaid which covers ambulatory services by law in the state of missouri and prior to mediciad i had XXXX XXXXXXXX XXXX percent cover 5 years prior and have had mediciad foe previous 2 ywars and still have medicaid and I uploaded the verification and dates of my medicaid by show of award letter and my ssi including issue dates which cover the date of charges i should never have been charged agyer disputed chatge and showing XXXX XXXXXXXX coverage 5 yeats prior to the charge date and mediciad coverage covering the date of original charge experience refussed to acknowledge the evidence and remive the wrong charge damaging my otherwise flawless credit report they accepted the word of kansas counselors that the charge it legit without their validation despite my valid proof I was wrong charged and the negative mark must be removed today they closed the appeal review unfairly in kansas counselors favor on XX/XX/XXXX in regards to ambulatory services provided in XX/XX/XXXX and I've been on medicaid the entire year of XXXX and XXXX by law state of Missouri medicaid covers ambulance services so they were never to charge me let alone mark a negative report to the 3 credit agencies and not be able to get it remove by any despite valid proof of wrongful charge and then to further violate my rights to fair credit reporting the reporting agencies have allowed it to remain even after evidence shown in appeal request the wrongful charge remains and has been unfairly closed against me it remains rules i favor of kansas cou selors because they say chatge is etified and valid by my evidence ce showed i should have never been charged upon appeal ita clear to see the fair thing to do after reviewing my medicaid coverage date was to remove to wro gful chatge but that fair treatment did not happen and wrong ful chatge negative mark remains as the only negative on my crdit report since i have been told the only revourse i have os to file a co plai tbere ive been left no cboice but to seek tour advocacy i am sorey to borher you with this but when I showed clear evidence to the gats stated herein it's absurd to think that even when I showed proof to these fast i was dismissed further this should have been removed from all 3 credit reporting agencies but I have been dismissed dispite showing valid proof of my claim I seek assistance to fair credit reporting and request the matter be investigated i thank you and appreciate your advocacy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Carvana Group, LLC
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 information incorrect

Complaint:
I was reviewing my credit and discovered unauthorized hard inquiries that I have no knowledge of from the following companies XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Television & Radio Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Sales Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Peer Advisors, LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX my mother received a notice of default from XXXX XXXX XXXX. formally none as XXXX XXXX now known as XXXX. Document # XXXX. Case # XXXX. At that point my mother requested a HUD Critical Circumstances Extension Qualification Approval. She  was soon Granted this request by HUD And I will provide and upload the original approval letter as well the transaction history sheet. They XXXX XXXX XXXX XXXX  still proceeded to sale my mothers property at public auction to XXXX XXXX XXXX, XXXX on XX/XX/XXXX a complete illegal and breach on contract because with the HUD critical circumstances extension being granted and valid through XX/XX/XXXX in witch this sale was recorded on XX/XX/XXXX. I am an authorized representative of my mother this I had to go through multiple channels for them XXXX   XXXX XXXX XXXX to admit and rectify there broken contact and wrongfully saling my mothers property at XXXX XXXX XXXX XXXX, CA,XXXX They informed me that the sale was recanted and that we had a repayment date of XX/XX/XXXX but they didnt give A payoff figure owed. The title company escrow officer XXXX XXXX/ XXXX XXXX have faxed over the proper request documents for the payoff first document was received by XXXX  on 1XX/XX/XXXX with a seven day processing time. Then a second payoff request was received by XXXX on XX/XX/XXXX. I was informed on XX/XX/XXXX by XXXX XXXX XXXX XXXX representative XXXX ( I D ) # XXXX that received both requests for the payoff amount and that the second request was a duplicate and that they had combined them and are to give the title company 1 XXXX XXXX XXXX the payoff. Please take into consideration that the house is in full contract and escrow and is due to close XX/XX/XXXX we have attempting to obtain payoff for nearly three weeks at this time and as stated I have a product ( the house ) to produce to the contractual party. If not by the end of escrow XX/XX/XXXX I could quite possibly acquire a lawsuit against me. My escrow officer, my estate attorney, my real estate agent and myself have diligently and patiently attempted to obtain what should be a simple business request and have been denied all attempts. I ask please that you help me in this urgent and most high matter of importance. Thank you so very much. Sincerely XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: SC
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:
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.

has violated my rights. Or list of inquiries 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 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 2023-03-24
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not familiar with this company. I have never done business with this company before. I have never signed any contract nor taken out any loans from this company. What they sent me was proof of loan from XXXX XXXX bank. Which was charged off back in 2020. Due to financial hardship because of XXXX. I have also sent them several cease and desist letters Which they have felled to acknowledge. Ive also asked them to credit my credit report by removing the negative remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: GOLDMAN SACHS BANK USA
State: VA
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 noticed my credit rating had dropped from XXXX to XXXX and that I was issued an apple card through bank XXXX with a credit limit of {$10000.00} which I never applied for. It showed I had a late payment and I was only aware of this card when I saw the credit report. I called the bank and cancelled the card and they dropped the charges. I have never used this card, never issued a card, never received a bill for this charge, and the email account on file with the card is an email address I have not used in more that 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: BARCLAYS BANK DELAWARE
State: PA
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:
Like to get Covid assistance on 3 Barclays credit card 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 2023-03-30
Company: McCarthy, Burgess & Wolff, 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:
In reviewing my consumer report with XXXX, I noticed an unauthorized Inquiry on my consumer report from a company named McCarthy , Burgess & Wolff on XX/XX/2023. I have not initiated any transaction with this company, so they had no permissible purpose to obtain my consumer report. This is a violation of the FCRA 15 USC 1681 section 604. This is an invasion of my privacy. In addition, FCRA section 607 ( a ) requires that every consumer reporting agency shall maintain reasonable procedures designed to limit the furnishing of consumer reports to the purposes listed under section 604. FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose. FCRA section 620 imposes criminal liability on any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agencys files to an unauthorized person. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
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: Their investigation did not fix an error on your report

Complaint:
I have submitted documentation 5 times to Experian regarding a charge off that is past the statute of limitations and has already been deleted by XXXX for this reason. I have asked multiple times why they wont remove it and if not now When will it stop reporting. I never receive an answer only a denial for the dispute request.

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 2023-08-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was paying the Annual fee for XXXX On Behalf of a family member from my Fifth-Third debit card. The family member Died and I wanted to CANCEL the payments to XXXX who told me that without email access to the XXXX  account there wasn't any way the payment method could be RemovedStopped, so I must dispute the charges with my bank ( see attached email-unfortunately XXXX did not send me a transcript of my " online chat '' ) I filed a Dispute with Fifth-Third bank Case # XXXX XXXX XXXX. They responded that they could NOT refund the debited amount because according to Fifth-Third the request was not submitted in a 'timely manor ' although I submitted the dispute as soon as I saw it on my account and XXXX  had been notified ( Since nobody has access to the deceased persons account the billing can NOT be cancelled according to XXXX ) then I spoke with the Fifth-Third disputes department via telephone and they stated they could NOT stop future debits on my account from XXXX  from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
I was reviewing my credit and discovered unauthorized hard inquiries that I have no knowledge of from the following companies XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, XXXX XXXX Television & Radio Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX Sales Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX CAPITAL ONE Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: CORELOGIC 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 information incorrect

Complaint:
Unauthorized hard inquiry XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2021 2021

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 2020-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
According to federal credit law spelled out in the Fair Credit Reporting Act XXXX FCRA XXXX, TRANSUNION is required to respond to consumers and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. TRANSUNION has violated the FCRA and did not respond within 30 days.

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 2023-10-07
Company: EQUIFAX, INC.
State: LA
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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX Inquired XXXX XX/XX/2023 EQUIFAX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 2023

Company response to consumer: Closed with non-monetary relief