BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-18
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I have filed complants on EQUIFAX starting XX/XX/XXXX, XXXX and XX/XX/XXXX about not correcting my report They also have my name wrong it should be XXXX not XXXX XXXX I ran my reports today and I still have incorrect information nothing has changed, i have nquiries still on it that should have been removed. collections that are not mine, have not gotten and documents I have requested fromcompanies and equifax still states its veried and accurate whch is a lie. I have said I wanted signed contract from XXXX XXXX, XXXX  I wanted all transcations because i paid them with ACH and was never late they would charge me late fees when paid or say i didnt pay when i did I even sent target a certifed ketter of valadation back many years agao requsting this and sign copy they g it and I still am fighting this. XXXX  XXXX i have the same issue they got my letter and i havent gotten any proof because these arent mine, no signuatures here is the issues im still not seeing being corrected, collections XXXX  XXXX XX/XX/XXXX - {$1900.00} XXXX  XXXX XX/XX/XXXX - {$550.00XXXX XXXX XXXX XXXX XXXX  thi was a secured credit card i paid {$350.00} deposit I cancelled the card they kept the funds I owe them nothing XXXX XXXX XXXX XXXX I never had this account fraud PER THE COMPLAINT THEY REPNDED SAYING THESE WERE DELETED BUT THEY ARENT Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18
Company: EQUIFAX, INC.
State: FL
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 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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: GA
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: OH
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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me.

These companies have refused to do work on disputes even though they're required by the law to do so.

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 2023-04-11
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2022-02-26
Company: CITIBANK, N.A.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX This is in regard to the following inquiries : Bureau : XXXX Creditor Name : XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Bureau : XXXX Creditor Name : XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry I disputed this account with the company and a letter was sent back from there office that they could not locate the account on file and are asking me for more information. I demand that since they clearly could not locate the account, this account needs to be removed from all credit reporting agencies immediately. I demand this be removed just from their response alone. their time to locate the account and validate it was used and they responded with their findings, with that information I demand removal from my file asap. 

This is direct response from the company " Citibank tracks all accounts utilizing the primary borrowers Social Security number and/or the complete account number. Based on the information provided in the complaints, we were unable to locate the corresponding 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 2023-11-18
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My escrow amount changed on XX/XX/2023. 
for my XXXX XXXX my mortgage amount went from XXXX to XXXX I pay on auto draft. 
I didnt realize the change. 
I made my same payments {$1500.00} on time every month and the extra monies that were due for my new escrow were pulled from my flush escrow balance until XXXX. 
In XX/XX/2023 I got a phone call from XXXX saying that I owed a larger amount so I made a payment {$1600.00} that I understood the difference to be. 
In XXXX I auto paid {$1500.00} amount and in XXXX I auto paid XXXX but I got a call about the differential. 
I was on the phone with the bank for XXXX hour and got confirmation of my new amount. 

It was also my understanding that I had a {$25.00} dollar offset. 
So I paid an additional {$25.00} in XXXX In XX/XX/2023 I made the new payment of XXXX. 
I got a letter from my bank saying I never paid XXXX. 
I called them right away because I had the cashed check. 
They said they didnt apply the balance to XXXX/ that they held it in credit because it was {$5.00} dollars too short. 
they reported me to the credit agency

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: MOHELA
State: DE
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 correct my inquires to remove from my credit report. I have had numerous identity theft, data breach and non-verified accounts. Please see attached detailed letter. This is also for incorrect payment history on my student loans. This is just a mess to my entire financial wellbeing. 

To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you are in possession of any document that has authorized. 
your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any suc document is immediately mailed to my address listed above so that I may review.

it. If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests.As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 
As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: FL
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 have request a investigation of XXXX XXXX XXXX account on my Equifax report. The charge -off of an obligation with XXXX XXXX XXXX is incorrect the following is the identifying information of the error, { Account number : XXXX, Date of incorrect reporting XX/XX/2020 }. The creditor misreported my account. 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly delete that item of information from the consumer, or modify that item of information as appropriate, based on results of the reinvestigation, and

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04
Company: CITIBANK, N.A.
State: DC
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 rewards from credit card

Complaint:
I opened a Citi Prestige credit card in 2015 because of the attractive travel benefits like airline access for American Airlines clubs and the fourth night hotel " free '' feature. Since 2015, Citi has revised the benefits numerous times- each time sending me a letter in the mail or prominent email announcing the change. That is their right to change program terms and I may cancel at any time. However, the latest change to the program occurred XX/XX/XXXX of this year and caused me to have to rebook an entire trip to XX/XX/XXXX. Simply, the problem is this : I needed to use the free fourth night to afford a hotel that I had identified and spoke to about availability. They were " holding '' a room for me so the credit card company could call and guarantee payment and secure eligibility for the fourth free night. 

Apparently, on XX/XX/XXXX of this year the fourth night hotel benefit was changed for the third time since I opened the card. I learned this only because I called to ask them to call the hotel to secure the room and they informed me that due to the program changes, they would not be able to honor the benefit. The changes were this : only hotels featured " in their inventory on the rewards website were eligible for the fourth night benefit. '' I received no notice - email or letter- as usual. The changes took effect XX/XX/XXXX ( the day I called to book the hotel ). The hotel I contacted ( the only affordable option in town ) did not appear " in their inventory ''. The only options were over {$1000.00} per night - not an option for me. 

Numerous calls to appeal to Citi were unsuccessful, being transferred around to at least 10 different people over the course of 5 calls and 3 hours and I was disconnected twice. No one would adjust the program to accommodate and finally a supervisor informed me of the program change and said that they weren't responsible for mailing out notice, and I would have to call Citi and talk to them. Needless to say, no one could help me, and I still have yet to see any official notice of changes to the program. This is unacceptable and they should be held to a minimum time of notice before making such bold changes to a very popular program ( just see social media and press accounts of their trimming benefits ).

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 2023-11-23
Company: EQUIFAX, INC.
State: NJ
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX, and Account number : XXXX {$6500.00}, {$4700.00}, {$3500.00}, {$3300.00} have 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 an 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: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Company: Chime Financial Inc
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have banked with Chime for far too long and I regret ever opening an account. I have filed a total of 3 or 4 disputes - the first two ever were investigated and even though the purchases were made when I was out of town and I made inquiries and requested the evidence used to support their claims multiple times - I was not refunded and I never received my money back. Most recently I have filed a dispute for over {$1000.00} - this was a multi transaction software issue and I reached out to the company that I made the purchase from. They instructed me to dispute the charges because they were having issues processing a refund. I was told it would take 2-3 days. Chime was then called and talked to extensively about why I wasnt requesting a refund- to which I had and was following the companys response. Its now been over a month - the original charge was made XX/XX/XXXX. The company I had the issue with, XXXX XXXX XXXX by XXXX XXXX XXXX XXXX is a registered seller through XXXX - an online company that should be aware of the types of sellers it is allowing to potentially run a scam. XXXX XXXX XXXX XXXX cant get a refund to process - even though there is a money back guarantee and Chime will only tell me that their investigation can take up to 90 days. They flatly got 2 disputes wrong and now they are telling me to wait to 3 months for them to investigate. As the customer I shouldnt be having to deal with con artist, but I surely shouldnt have to put up with Chime Bank telling me this is the norm. This isnt normal and more people should be aware that Chime isnt customer focused and they dont follow the timelines of other banks. They also will give you no answers to your questions about the dispute and I even went as far to provide emails from XXXX showing that they instructed me to handle matters this way and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: LFG Data Services Holdings, LP
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The 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: Closed with explanation
Consumer complaint received 2022-12-01
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 sent a letter to the 3 Credit BureausXXXXXXXX XXXX XXXX to update/correct these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. I'm including it again. 
XXXX XXXX Balance : {$640.00} XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXXXXXX XXXX : {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Crossroads Systems Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a loan in XX/XX/2021 with XXXX XXXX the loan was approved by Capital Plus Financial , LLC the lender never responded to the application. The application has been pending since. On XX/XX/2021 loan documents were sent for electronic signature, on XX/XX/2021 I received a text indicating the loan would be funded in 7-10 business day. Today on a chat I received a message that the loan would not fund.

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 2021-10-04
Company: Direct Capital
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX from Direct Capital called me ( an unrelated party to the obligation ) in an attempt to locate their debtor. When I told him I was not the person they were looking for, he proceeded to tell me that they were attempting to collect on a bad check for this 3rd party that I am not on an account for ( although I am sure they found me via skiptracing as I do know the 3rd party ) I then explained that he was violating privacy laws by telling me this persons business as it was not mine at which he stated that 'he could have his attorney contact him as well ' The number they called me from was XXXX. 

Had he simply asked me to relay a message without disclosing personal information, I would have done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Bread Financial Holdings, 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:
All credit bureaus reported on XX/XX/21 that comenity/express pulled my credit today. This is a hard pull. I did not recently apply for a new card or more credit from any company including Comenity bank/express . I asked company in writing and via phone call to please research and remove this from my credit reports. I spoke with customer service department at this company, also the fraud department at this company and the applications department and none were able to help me. The applications department said they had no recent applications for credit on file under my name. I was told to contact each credit bureau to report fraud and that there was nothing Comenity bank/express could do to resolve this issue for me.

I do have an active express account which I have had for 10 years and there are no known issues with that open account. 

I just want this recent hard pulldated ( XXXX ) to be removed from my credit reports. I would really like to know root cause of this issue so responsible party is held accountable.

Company response to consumer: Closed with non-monetary relief