BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Tried opening an account with truist bank was denied because of a report from citizens bank saying account abuse my card was stolen with my id social and account pin inside and my account was over drawn without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have contacted Equifax on numerous occasions to discuss the different accounts and inquiries on my credit report that should be deleted. I have been told that I need to contact the companies about the inquiries and have them delete the information but I have contacted the different companies and they stated the credit bureaus can delete the information. I have explained this information to Equifax over and over again and they continue to not delete. I just want the most accurate information reported and right now that is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof for the creditor bank account that I didnt pay and was marked late because this is clearly a billing error.

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 2021-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Date of transaction : XX/XX/20 Amount of transaction : {$620.00} I rented a vehicle from XX/XX/20 until XX/XX/20. The vehicle did not function and/or was unsafe to drive on multiple occasions. The merchant said they would issue credit. The merchant did not issue credit like they said. I initiated a dispute with Capital One. Capital One issued a temporary credit. Capital One then suspended the temporary credit and requested I sign a document in order to continue the dispute. I signed the document to request the dispute be continued. A few days later Capital One sent me a letter saying my dispute was closed because I did not provided all of the information, and " When you give your credit card number to a merchant when securing services or merchandise, you are authorizing a charge by that merchant. We can only request a credit from a merchant if we can document how the merchant violated an operating guideline, rule or regulation. '' I then contacted Capital One through the chat function on their website. I requested an accommodation under the ADA Title III that Capital One provide clarification as to why my dispute was closed. The representative then closed the chat function without responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2021-01-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
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:
On XX/XX/XXXX at XXXX I received a text message from Cittizens One Credit regarding a Fraud Alert for my credit card asking me if I had attempted to charge XXXX at XXXX. I responded no and received a phone call from Card Security within 5 minutes informing me that multiple charges were made on my account that prompted a fraud alert. I had not used the card for any of the charges on that date. Some of the charges were on the internet and others were in XXXX. Florida. As I told Security I was in XXXX XXXX, North Carolina where I had been since the end of XXXX. Security stated that they would close the account and send a new card. I requested that it be sent to my North Carolina address in addition to an affidavit regarding the fraudulent charges. I received a new card that had been forwarded from my Florida address in about 3weeks. I did not receive any other documents and called security several times and was told that an investigator would contact me. On XX/XX/XXXX I received a letter that the investigation was complete and that I was responsible for XXXX XXXX charges. I called the number on the letter and it kept dropping my call. I used the main number to contact security who informed me that no one was at that number and they could not directly contact an investigator  and had to forward a message. I asked how they could conduct an investigation without speaking to me and was told that a POS was used on the charges in Florida. I said I have the card in my possession in North Carolina. Security said they would leave a message for an investigator to call me in their system. To this day I have never received a call. I sent a written dispute of charges on11/30/20. On XX/XX/XXXX I received a letter that I was responsible for {$8100.00} by XX/XX/XXXX because the card was present and inserted in a POS. They suggested that I contact the merchant in Florida. As I have previously stated I was in North Carolina from the end of XXXX until the beginning of XXXX. The card that was delivered to me never left my possession. I have included copies of credit card statements with charges I made in North Carolina on XX/XX/XXXX in XXXX, North Carolina and XXXX XXXX, North Carolina at several businesses. Please help me resolve this distressing situation. I have always paid my bills and would never charge this amount on my card. I have no need for auto parts as I drive a new car. I have an excellent credit score and would never make a fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent letters to Equifax, XXXX XXXX  XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 37 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I was looking over my report today and I noticed some inquiries that I am not aware of as you know reporting inaccurate information on my report is against the FCRA and I asked that it be removed immediately Im trying to do my best with taking care of my kids but its getting harder now because of this. 

Inquires : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: CL Holdings LLC
State: MA
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:
****SEE ATTACHMENTS THAT SHOWS THAT IT WAS GOING TO BE DELETED REMOVED FROM MY CREDIT REPORT**** Dear XXXX / Executive Office ; I was really shocked last week when I refreshed my credit report and noticed that the collection account from XXXX XXXX is still on my Credit Report which is hindering my score so much and stopping me to achieve my financial goals You are the ONLY one thats reporting this negative account on my credit, despite the fact that the results of investigation through Cfpb stated that they will cease and remove this account. Well, the other credit reporting agency complied and deleted from my credit immediately, however you havent removed it. I talked to a representative at your office last week, and they mentioned that I can FAX over the letter and results from Cfpb and they will remove it. 

Plus, how can you report incomplete, misleading information on my credit report. Its impossible that a collection account can be late and past due. Look at the picture below late 120 days, past due for {$800.00}, etc. This is a violation of my consumer rights under the provisions of FCRA, and Im demanding an immediate deletion from my credit report. DELETE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Upon looking on my credit report i noticed these companies on my report that i have n knowledge of and have never directly done business with. Ive mailed multiple letters asking the credit bureaus to verify that all information is correct as per FCRA Section 609 ( a ), ( 1 ), reporting accurately and that these accounts are mines and they failed to do so. I have yet to receive a response, update on my credit report and a copy of the original contract between me and creditor verifying that this is my debt and that they have the right to report anything that they decide to at anytime without it being a legit debt owed by me. I asked for these items to be deleted if they cant be properly verified, incomplete or inaccurate per FCRA law 611 ( 5 ) ( A ). In my 3rd letter i reminded of my rights to seek relief and monetary damages under Section 616 and 617 regarding their willful negligent noncompliance and disregard of my rights as a citizen in this beautiful United States. They have repeatedly failed to verify, update, send me the necessary documents requested by me based off my legal rights.

Company response to consumer: In progress
Consumer complaint received 2022-03-01
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Irecentlyreviewedmycreditprofileandnoticedinaccuracies.Iam formally requesting that thesebeinvestigatedproperlywith immediacy. 

I have been disputing XXXX XXXX XXXX XXXX XXXX  inaccuracies on my credit report for the last year as XX/XX/XXXX XXXX and XXXX XXXX no longer service Student loans. 

XXXX XXXX XXXX XXXX XXXX has been reporting as a Duplicate account to XXXX Both accounts have the same account OPEN date XXXX XXXX, XXXX. 

XXXX is reporting two Separate accounts {$28000.00} and {$36000.00} adding them both together you get {$64000.00} one dollar off from XXXX XXXX XXXX  thats reporting {$64000.00} This account is not showing Disputed on my credit profile. 
This account is showing OPEN on Equifax and Closed on XXXX This account is showing Transferred

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX XX/XX/XXXX Balance XXXX $ This company have harassed me on multiple occasions even after telling them that the phone is not mine. Ive contacted them via mail on 2 occasions requesting the information on my credit be verified. Ive asked for contracts signatures or anything stating this account they are claiming is mine, is mine. I have yet to get a response just a remark on my account saying its been updated when nothing has been updated. This company is a fraud and is trying to get over on people. By law i am entitled to verify anything that is on my credit and they are not giving me that right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
One of three credit bureaus reported that has been not removed by XXXX XXXX  unresolved yet ( Experian ) because debt management settlement program has been working on negotiation teams with them but not settlement yet

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 2022-02-28
Company: Convergent Resources, 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:
Our XXXX XXXX XXXX Report dropped significantly. We traced the amount to XXXX XXXX XXXX. An amount of {$450.00} was sent to Convergent Outsourcing Inc. for collections. This amount is still outstanding. XXXX XXXX requested that we file an identity theft report to the police and to you. We have never had any dealings with XXXX XXXX. This is a fraudulent claim. Someone had access to my SS #. I am filing a report to the police department.

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 2023-07-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Bank account opened in person at branch in XXXX, FL in XXXX. I ( along with my attorney ) requested that no overdraft service is received because if funds are unavailable, I prefer insufficient funds notifications. 

From XXXX XX/XX/XXXX, I never received overdraft charges because transactions would be rejected as " insufficient funds '' and I would receive a notification. That is correct because that is my way of transaction verification and validation against fraud XX/XX/XXXX, XXXX XX/XX/XXXX ; I was travelling for medical reasons and my card is used for XXXX and other miscellaneous items while travelling. When I returned home, I realized my account was overdrawn by over {$700.00} to include charges and fees, and I never received any insufficient funds notifications. Over half of the overdrawn amount was due to the {$37.00} fees charged for each transaction. 

I contacted the bank, they stated it was " my fault '' for not keeping a ledger. I explained that I do not have overdraft protection, however they still stated the overdrafts were my fault and refuse to acknowledgement they arbitrarily assigned this product to my accunt without my consent because this services requires a customer signature and I never signed anything for this. I requested again to remove and disallow overdraft service. 

A week later, on XX/XX/XXXX, someone used my card and charged {$39.00} to this account and it was overdrawn a second time for the same period. I again called the bank, and I ordered a new card, but then was told I had to pay {$30.00} service fee for deliver. 

Mon. XX/XX/XXXX- Set phone appointments at the bank, they refused to contact me ; I then contacted the branch where the account was created, unable to get anyone to speak to me. Then spoke to a XXXX at XXXX XXXX who told me again, my failt and the bank does not keep ledgers for customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: EQUIFAX, 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:
Upon reviewing the files, it comes to the attention that there is an Error information appear regarding about a XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX with balance of {$850.00} incurred, I have no acknowledgment or given consent permission to anyone in the institution to use my personal information to obtain or open the account, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. Please authenticate and provide any documentation that bears its original owners signature to validate the account within 5 business days, and taken step necessary to remove and delete any account opened under owners personals information without permission. According to Fair Credit reporting act, section 609 ( a ) ( 1 ) your company is required by federal law to verify through the physical verification of the debt balance of the original signed certified consumer contract of any all accounts you request to be posted and or reported on credit report. Within consumer rights to demand a copy of the verifiable, validated proof of an original consumer contract with wet-ink signature on it, copies of copies are not validation and by law are not considered as proof. Under FCRA, unverified, invalid accounts must be Remove upon receipts of this notice within 15 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXXXXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX  Date of inquiry : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : 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 2022-02-28
Company: EQUIFAX, INC.
State: NY
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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation