BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report 1. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX ORIGINAL Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX Account Number : XXXX Delete this account. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. 15 US-CODE 16921 XXXX XXXX XXXXXXXX Account XXXX : XXXX Delete this account. 

11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Delete this account. 

12. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

13. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Delete this account. 

14. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account.

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 2021-05-05
Company: Sequium Asset Solutions, 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I received an alert on my credit report provided by XXXXXXXX XXXX  I found that an unpaid debt was recorded in my name for an account with XXXX XXXX. It was for approximately {$240.00} XXXX I don't recall the exact amount ). I did not have an account with XXXX XXXX, and do not believe I ever have. First, I filed a dispute with XXXX on XXXX XXXX, Case number : XXXX, then I followed up with a call to XXXX on XX/XX/XXXX where I spoke with a representative named XXXX. She informed me that they did indeed have a record of an account opened using my Social Security number. XXXX had already turned over this account to a debt collection agency called Sequium Asset Solutions , LLC. XXXX then transferred my call over to Sequium where I spoke with a representative named XXXX XXXX. He asked me about an address used on the XXXX account in question. It was an address where I had lived almost 20 years ago. Mr. XXXX told me the XXXX account in question had been opened just last XXXX, XXXX. He also asked me about an email address listed for that account that was not my own. Mr. XXXX then told me that he would report this account to XXXX XXXX as fraudulent and that XXXX would conduct an investigation. He noted my true email address and said that I would be contact for updates of my claim status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
[ Can't redeem rewards on Capital one shopping ] XXXX I have earned {$41.00} available in Shopping Rewards on https : //capitaloneshopping.com Since then, I've tried to redeem the rewards to WalmartXXXX XXXX gift card multiple times. Every single time, it showed " Success! Thanks for ordering an e-gift card. We're working on processing your order, which can take up to 24-72 hours to complete ( sometimes sooner! ). Once that's done, we will email you with your redemption instructions and this page will update with your card 's information. '' However, I've never received any email for the gift card and my gift card purchase history shows empty. Apparently, every time the order was canceled without notice or explanation. 
After reading up online forums, what happens next seems to be -- after many times of failed redemption attempt, my account will be deleted and my rewards will be gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX account XXXX NOW Truist account XXXX Paid XX/XX/XXXX mortgage statement to XXXX XXXX in full PLUS {$400.00} additional principal via XXXX checks via XXXX mail. Checks were never cashed. XXXX XXXX account shows I never paid XXXX statement. Not true. 

Received letter from Truist that Mortgage has been transferred to said company as of XX/XX/XXXX, nowaccount XXXX. Online account shows that XXXX payment has been made, but I still owe XXXX payment? Checks made out to XXXX XXXX not cashed. Where is the payment I remitted? 

I have never missed or had a late mortgage payment, clearly a problem with transfer process, HOURS OF MY TIME WASTED ON THIS. I can not afford to make another mortgage payment for XXXX only for the original checks to be somehow " found '' and cashed. I should not have to have a missed payment associated with my/my husbands account because of errors on the part of these XXXX companies.

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 2023-12-03
Company: EQUIFAX, 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 contacted XXXX, XXXX, and Equifax about fraudulent activity and inaccurate information on my credit report. I asked them to verify those accounts and after they did, there were still inaccurate reports on my credit. 

( XXXX ) Do not recognize account ( XXXX ) Amount {$120.00} Inaccurate Information ( XXXX XXXX XXXX ) DUPLICATE ACCOUNT Do not recognize neither Account ( XXXXXXXX XXXX ) DUPLICATE ( XXXXXXXX XXXX ) Do not recognize account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2021 I went to XXXX XXXX XXXX room. They conducted certain tests. I subsequently received a bill for {$3900.00}. In reviewing the bill, I saw that I was charged twice for the same test ( the duplicate charge was {$610.00} ). I was at the ER for just over an hour, and knew that they hadn't performed the same test twice. I contacted XXXX XXXX to inform them of the double billing. I was given the run around -- telling me they would get back to me. When they finally got back to me the answer was that the test must of been done twice, as they never make mistakes on billings. 
They kept calling me for the full payment including the double billed amount. I finally decided I would offer to pay the bill minus the double billed amount of {$610.00}. I wrote a letter to XXXX XXXX explaining the situation and sent my check for {$3300.00}, and advised them that if this wasn't acceptable they were not authorized to cash my check. I even noted on the reverse of the check this was in full payment. XXXX XXXX accepted my check for {$3300.00}. I am now being harassed by a collection agency claiming {$610.00}.

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 2019-03-24
Company: Santander Consumer USA Holdings Inc.
State: AL
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 went to XXXX XXXX XXXX on XX/XX/19. They had hard inquiries placed on my report repeatedly without my consent..The first was XXXX XXXX XXXX   XXXX  and the other was Santander Consumer USA.They never said a word to me about either of the two .I dont even know how they did it if I wasnt there to agree to it.This one done on all 3 bureaus XXXX, XXXX, and XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
On XXXX i sent a dispute to the alleged Debt collector Portfolio recovery and credit reporting agency XXXX about inaccurate credit reporting. I requested debt validation on the alleged collections account affecting my credit report, I requested VALIDATION of debt, The sent an itemization of charges which is break down of the alleged charges which by law is NOT considered validation of debt. I requested the initial original agreement from alleged company and or original wet proof of my signature which they did NOT provide. They sent an update on the XXXX online portal that the they Verified as of todays date XXXX this alleged debt. They did not send the proof and this is not VALID.Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity was stolen. See attached.

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 2020-03-19
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: Personal information incorrect

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I received a retroactive interest rate refund this past summer from Citibank annotating that my account 's high APR increase was identified as eligible for the rate reduction due to their review they do every six months pursuant to Regulation Z and the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act. My refund pertain to the high rate I was charged due to flaws ( so they say ) in their semi-annual APR review methodology and I was given credit for this from XX/XX/XXXX thru XX/XX/XXXX. Per Citibank, it also included an amount for foregone earnings on the excess interest charged. The letter continues with them stating that they have corrected the APR on my account. Upon receiving this letter ( via email ) and already receiving the refund, I immediately checked my account but as shown on my statements since XX/XX/XXXX, the APR had not been reduced, I am and have been since at 29.9 % APR. I immediately reached out to Citibank and explained what I have noticed and about my letter along with the refund. I was advised at that time that since I was on the list of refunds just recently reviewed and submitted, that it will take about 1 billing cycle for my account to show the lower APR and that I would also receive another refund based on this high amount still on my account on next review but to contact them if I do not receive my reduced APR. Well, I have been very patient and gave them over 1 billing cycle but still no reduced rate. Today, XX/XX/XXXX, I reached out to Citibank again. This time given basically the same line but this rep added that my account will need to go up to MGMT for review to see if I am able to obtain a lower APR. I explained to her, this is not what I was informed the first time and not what is stated in this letter ( via email ) I received in XXXX. So in turn, I said fine, keep sending it up for review and I will file a complaint because there is no reason for me to still receive the higher APR rate.

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 2023-02-17
Company: Checkr, Inc
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Checkr does not have the correct record that the XXXX XXXX has on their record. I have attempted multiple of time to reach out, via phone call, the help chat bot and email. Calls get canceled after the first prompt, the help chat bot gives you the run arounds and so does the e-mail responds. Because of this is has caused XXXX employer to deactivate/terminate my account with them and another from allowing me to start work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX XXXX, XXXX XXXX XXXX is inaccurately reporting that this account has late payments. I noticed on a previous statement that they have a person named XXXX also with the same account number listed on my same statement. This is the source of the problem. My name is XXXX XXXX XXXX XXXX and I have never missed a payment and paid that account off a long time ago. They even have the wrong name on the statement. Its very strange what they have done.They have my account confused with as much as two different people! I spoke with the manager there and they have agreed multiple times to delete this account or update it to never late as it should be. However now they keep avoiding me and telling me the manager is out and that he will call me. They never all and are clearly dishonest and shady people who know they are not complaint and are choosing the not acknowledge the error and keep reporting to the credit reporting companies that the status they report is accurate. See the attached document it proves there is great confusion within their system and that it should not be trusted. You all are required to comply with FCRA and FDCPA and delete this account immediately since its clear there is obvious identity theft and unfair reporting practices by this data furnisher or creditor. This account is causing severe impact to my financial, and work life. My health and family life is greatly impacted. It is very inhumane to and down right wicked to be so callus and apathetic about this issue. I should not have to ask again. Please delete this account and keep it off my report.It is a lie to report this as verified! This is preventing me from getting lifesaving medical treatment! I am going to make this public. I could potentially die because this company won't comply with FCRA and FDCPA laws and delete this account!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: TN
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 have filed a FTC complaint, and Equifax still refuses to remove the items listed in the complaint. FTC report # XXXX Please remove immediately PERSONAL INFORMATION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX XXXX Equifax inquiries-hard 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 XXXX XXXX XXXX XXXX XXXX Account Review Inquiry XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX Automated Consumer Interview

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please see below a copy of the letter I sent to Belk XXXX. XXXX XXXX XXXX FL XXXX, regarding an account that is still reporting negatively on my credit reports. 


Belk XXXX. XXXX  XXXX XXXX FL XXXX XXXX XXXX XXXX Belk, Please see attached a copy of the letter sent from XXXX. XXXX XXXX whom represents XXXX XXXX XXXX XXXX ( Office of General Counsel ), this is whom this Belk, account # XXXX, was sold to. 

Please see the highlighted areas on the letter that indicate that they have sent notification to have the account removed from my credit file. As of XX/XX/2019, Belk is still showing on my credit file. I am requesting for it to me removed immediately. 

XXXX XXXX XXXX ** I have attached a copy of the letter from the office of the general counsel**

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 2023-02-21
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-03-12
Company: Experian Information Solutions Inc.
State: LA
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:
Medical payments under XXXXXXXX XXXX  not being removed from credit report companies

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