BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-14
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: Experian Information Solutions Inc.
State: NJ
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 several dispute letters due to incorrect information on my report and it keeps coming back verified. I ask how was it verified and I dont receive a response and it been over 30 days now. I have inquiries on my report that was not authorized and a collection account thats not mine. And nothing is being investigated or disputed.

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 2023-11-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I had a joint variable CD with United Services Automobile Association ( USAA ) bank that I shared with my spouse for the amount of {$2200.00}. 

My spouse withdrew the full amount of {$2200.00} on XX/XX/XXXX of XXXX  at around XXXX hours. 

My Spouse transferred {$2000.00} to our Joint Savings account at around XXXX hours. 

I attempted to transfer {$2000.00} back into the CD but received an error message on my USAA banking app at around XXXX hours. 

The money was no longer in my savings account nor in the CD. Therefore, I waited XXXX hours to see if the it would transfer over night. 

On XXXX XXXX I did not see the funds in either account, so I contacted USAA and spoke to a representative who stated to wait an additional business day to let the system sort itself out. 

I waited XXXX ( XXXX ) days and still did not see my funds and I contacted USAA to inform them as such. The Representative submitted a claim/ dispute and told me to wait XXXX hours after the Representative agreed that the funds cant be found. 

On XX/XX/XXXX the investigation was completed and it was stated that the funds was credited back into my savings account but it was not. The investigation mistaken the {$2000.00} that was transferred by my wife to our joint account on XX/XX/XXXX as a credit. 

I contacted USAA and the representative that had me on hold for XXXX ( XXXX ) hours stated she saw the error and is submitting an additional claim/ dispute for the investigation. I then spoke to a XXXX of that representative who stated that I might not get approved to receive the funds back into my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
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  Account XXXX XXXX Account XXXX XXXX XXXX ( Doesnt have an account number showing ) 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX  XXXX Balance : {$560.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX  XXXX Balance : {$560.00} XXXX XXXXXXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX : {$540.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$560.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: CITIBANK, N.A.
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:
The account that I am complaining is already paid and yet it is not updated to current. Also the payment remarks that they place are disputable and inaccurate. I also have a lot of inquiries that were pulled without my permission. Please help me out.

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: IN
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:
RE : DISPUTED INQUIRIESXXXX. 
ON XXXX XXXX, I RECEIVED MY CREDIT REPORT FROM EQUIFAX AND IT SHOWED INQUIRIES THAT I DID NOT AUTHORIZED. I UNDERSTAND FULLY THAT EQUIFAX SHOULDN'T BE ALLOWED TO PUT AN INQUIRY ON MY CREDIT REPORT WITHOUT MY WRITTEN CONSENT. I ASKED EQUIFAX CREDIT BUREAU TO REMOVE THE INQUIRIES FROM MY CREDIT REPORT WITHIN THE 15 DAYS OF THE LAST NOTICE OF THIS LETTER. THE FCRA LAW STATES THAT THE ONLY PERMISSIBLE PURPOSE FOR PULLING SOMEONE'S CREDIT IS FOR : A. A FIRM OFFER OF CREDIT B. INSURANCE C. EMPLOYMENT D. COURT THE FOLLOWING CREDIT INQUIRIES ARE RELATED TO NONE OF THE AFOREMENTIONED PERMISSIBLE XXXX XXXX XXXX : XXXX 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  : XXXX XXXX AND AS A MATTER OF FACT UNAUTHORIZED INQUIRIES ROUTINELY ARE REMOVE FROM ALL CREDIT BUREAUS IF THE CONSUMER DID NOT GIVE THEIR WRITTEN CONSENT IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT LAW THAT THE CREDIT BUREAUS SHALL REMOVE DISPUTED INQUIRIES FROM A CONSUMER 'S CREDIT REPORT PROMPTLY. XXXX XXXX XXXX IS NOT AN INQUIRY, IT'S A DEBT COLLECTOR AND I NEVER SIGNED INTO AN AGREEMENT WITH THEM. MY LAST NAME IS NOT XXXX XXXX AND MY PHYSICAL ADDRESS IS STILL WRONG AFTER I SENT EQUIFAX THE PROPER IDENTIFICATION, WHICH IS A VIOLATION OF MY CONSUMER RIGHTS. SHOULD EQUIFAX FAIL TO RESPOND TO THIS LETTER WITHIN 15 DAYS, I WILL NOT HESITATE TO REPORT THESE VIOLATIONS TO MY STATES ATTORNEY GENERAL, THE FEDERAL BUREAUS AND THE FEDERAL TRADE COMMISSION XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Ive did an application for a credit card XXXX XXXX XXXXXXXX and was rejected. Isnt my failed application a promissory note? So that means you can take my securities and sell them to a third party, therefor I shouldnt have been rejected. Then that means its securities fraud. Especially under an open-ended consumer credit plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2023 I XXXX XXXX sent in a notice of Identity Theft, request to block and remove a fraudulent tradeline that is reporting on my Equifax Credit Report pursuant to XXXX XXXX XXXX, The tradeline is with XXXX  XXXX  with Account Number XXXX and XXXX. These accounts DO NOT INCLUDE XXXX XXXX XXXX I have attached proof of Notice of Identity Theft, and My Identity theft report from the FTC. Equifax has NOT blocked this tradeline from my credit report. It has since reappeared on my report. This account is to be BLOCKED INDEFINITELY as it was not opened by Me. Please see all of my attachments as proof of delivery and Notice of Identity Theft to Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
In XXXX of XXXX, my personal loan from XXXX was sold to Citizen bank. A XXXX XXXX XXXX after the transition was completed i was notified via phone by Citizen bank that my account was sold to them and at that time i began paying my payments online. And to this date i have not received official letter from Citizen bank that my account was transferred to them. Since XXXX i have not received ANY statements from Citizen Bank, and i was unable to log in to my account online due to replacing my computer. And my personal calendar was removed, and i was dealing with my XXXX XXXX medical situation. On XX/XX/XXXX, i was notified by the Credit bureau that Citizen bank reported me as being late for XXXX XXXX. At that time i logged in immediately logged into the account and made all necessary payments, i never received any notification from Citizens, stating that they did not receive payment or that my account was over due. XX/XX/XXXX and XX/XX/XXXX i spent over XXXX XXXX on the phone, trying to figure out about my statements being mailed and trying to explain the situation, but i was being transferred from person to person and then finally i spoke to representative by the name of XXXX, who refused to transfer me to a XXXX and placed me on hold for XXXXXXXX XXXX. I am doing business with XXXX banks and never in my life was i treated like this. 

Citizen should treat their customers with respect and kindness and create some connections with customers. Due to my personal situation, and not receiving any communication from Citizen bank about my account it is extremely difficult to get any answers from them. This is just unacceptable to receive such poor customer service. For XXXX XXXX i have not had any late payments with the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was giving a sum of {$100.00} of debt owe over the phone. When its reported {$560.00} on credit report via XXXX. Please Validate debt? Under the HIPPA Privacy Law. 

Under 15 USC 1681 section 602 A, states I have a right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. THERE ARE IN VIOLATION OF CONSUMER LAW AND PUBLIC LAW.

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 2023-12-02
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: Account information incorrect

Complaint:
XXXX XXXX account belong to entity appears on personal credit in error and without my consent and must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. 
Incorrect credit reporting, I have accounts that are not currently reported- 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  You guys need to stop giving wrong reports on people 's credits for your personal gains and report accurately. 
Do your homework and research before adding wrong accounts to people 's credit report or reporting wrong amounts of figures and holding peoples credit score down for that

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-30
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: Their investigation did not fix an error on your report

Complaint:
I have demanded to see Verifiable Proof an original Consumer Contract with my Signature on it Experian, XXXX and XXXX XXXX have failed to positively verify these accounts. Under the FCRA unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof Experian must remove the accounts listed below : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I sent a Billing Error Notice to Barclays Bank XXXX XXXX registered XXXX XXXX XXXX XXXX, via XXXX XXXX mail with a Domestic Return Receipt. XXXX XXXX XXXX received the Billing Error Notice on XX/XX/XXXX. 

I also sent a copy of the Billing Error Notice to BARCLAYS CARD SERVICES via XXXX XXXX mail on XX/XX/XXXX. That Notice was available for pickup by BARCLAYS CARD SERVICES from their XXXX XXXX XXXX on XX/XX/XXXX. 

I am aware that BARCLAYS shall follow the following procedures as defined in 12CFR 1026.13 ( e ) ( 1 ) Correct the billing error and credit the consumer account with any disputed amount and related finance or other charges, as applicable ; and ( 2 ) Mail or delivery a correction notice to the consumer.

I am also aware that BARCLAYS as the creditor may not collect any disputed amount. The creditor can not restrict, accelerate payment or close an account and or make or threaten adverse reporting to any person about the consumers credit standing without resolving the billing error. 

BARCLAYS has not reported the debt as disputed, which is a violation 15 USC 1692 ( e ) ( A ) ( 8 ). BARCLAYS also closed my account on XX/XX/XXXX, which is a violation of the FDCPA as well. 

Lastly, BARCLAYS has not responded with a rebuttal, point for point, which forfeits BARCLAYS right to collect the disputed amount as described in 15 USC 1666 ( e ).

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 2019-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital One does not link to my XXXX XXXX. 
I spoke numerous times with them and they are the only company/bank that does not link to personal capital. 

Today I spoke to XXXX, employee ID XXXX who would not let me speak to his supervisor ( XXXX ) about this issue. 

I am including an article ( from 2018 ) about this issue. 

CapitalOne just simply does not care XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Experian Information Solutions Inc.
State: GA
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:
Effective XX/XX/2020 I was alerted by Experian that my credit score decreased and to review my report. The Experian credit report showing for XX/XX/XXXX. The creditor XXXX is reporting my credit card detail information incorrectly. My next monthly payment is not due to XX/XX/XXXX and I always pay my monthly payment the start of the month. I have receipts to prove, I never discard my receipts for this creditor and I alway review my account transactions using the customer portal. The creditor has reported me as having two late payments back in XXXX and XXXX which is not true. Also, the creditor has not reported to the credit agencies the current payment for XXXX. I have not been late with my payments, my account is current and not only that I have receipts to show where I send money order payments throughout the month per month. Maybe this creditor has been paid a gift behind the scenes from XXXX because I submitted another complaint because of intentional false reporting information to the credit agencies. I can mail in proof of my transactions to the CFPB along with receipts. No only I would like to file a complaint. I would like to file a law suit to because it is very unethical for creditors to report inaccurate information on a consumers credit report. That is very wrong and that's why I am reaching out because my Rights is being violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act. Section 609 ( a ) ( 1 ) ( A ), you are rquired by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting service could fax, mail or email in a fraudulent account. 
I damand to see verifiable proof ( i.e. : an original consumer contract withmy signature on it ) that you have on file for the account listed below. 
Your failure to positively verfiy these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately i.e : an orgianal consumer contract with my name on it ) that you have on file for the account listed below. 
XXXX XXXX XXXX XXXXXXXX Loan with account # XXXX opened on XX/XX/2017 and a balance of {$0.00}. 
Account is reporting 3 diffrent dates of last activity., there are 3 diffrent account STATUS, XXXX is reporting a DEROGATORY, while XXXX reports a PAID account 3 diffrent last payments, you are reporting a CHARGE OFF/COLLECTION with no LATE Payments reporting. while XXXX is reporting 120/late also with no late payments reporting. if it's the same account being reported by the same creditor why is this different? Delete account for inaccurate reporting.

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 2018-11-19
Company: JPMORGAN CHASE & CO.
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:
I recently information from a internet monitoring service fraudulent accounts was open, misspelling on my name and wrong addresses.

Company response to consumer: Closed with explanation