BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-26
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 



In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 



In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/2023 Care Credit- Synchrony Bank XXXX XXXX XXXX XXXX XXXX PA XXXX Re : Dispute of Electronic Fund Transfer To Whom it May Concern, I am writing to dispute the closure of my Care Credit account, which was related to electronic fund transfer ( EFT ) transactions that were deemed Non-Sufficient Funds ( NSF ) incidents. I believe that the account closure may not be in accordance with the Electronic Fund Transfer Act ( EFTA ) - 15 U.S.C. 1693, which establishes consumer rights and protections concerning electronic transactions.

Under the EFTA, consumers have certain rights and protections regarding electronic fund transfers, including the right to dispute transactions. I believe that the following aspects of the EFTA may be relevant to my situation : EFTA Section 907 ( a ) : This section of the EFTA allows consumers to dispute unauthorized electronic fund transfers. While my transactions were not unauthorized, I have concerns about the circumstances surrounding the NSF incidents and the closure of my account.

EFTA Section 903 ( b ) : The EFTA requires financial institutions, like Care Credit, to investigate and resolve disputes promptly. I would like to request a thorough investigation into the NSF transactions and the closure of my account to ensure that all relevant factors are considered.

EFTA Section 904 ( c ) : This section states that a financial institution may not impose any liability on the consumer for an unauthorized electronic fund transfer unless the institution establishes that the consumer is liable. I believe there may be extenuating circumstances surrounding the NSF transactions that warrant further examination.

I kindly request that Care Credit reevaluate the closure of my account in light of the EFTAs provisions and my rights as a consumer. I am willing to provide any necessary documentation or information to support my dispute and to assist in reaching a fair and equitable resolution.

I value my relationship with Care Credit and would like to ensure that my rights under the EFTA are respected. Please consider this letter as a formal dispute of the account closure and the related electronic fund transfer incidents.

I look forward to your prompt response and a timely resolution to this matter.

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 2020-09-29
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting  timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX,  XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
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 2023-11-23
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to dispute the presence of inaccurate information on my credit report, specifically regarding late payments that are erroneously attributed to my account. Despite previous escalations and attempts to rectify this matter, the inaccurate information persists, and I am requesting your immediate attention to correct this error. 
Upon careful review of my credit report, I have identified discrepancies related to late payments on my account. I wish to emphasize that there has been no instance of missed payments on the account in question. I have consistently met all my financial obligations in a timely manner, and it is disconcerting to see information on my credit report that does not accurately reflect my credit history. 
I have previously brought this matter to your attention, and despite my efforts, the inaccurate information persists. I have attached copies of the previous dispute letters and correspondence related to this matter for your reference. 
I kindly request that you conduct a thorough investigation into the inaccuracies on my credit report and take immediate action to rectify the following issues : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

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 2022-08-18
Company: EQUIFAX, INC.
State: OK
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: Problem with personal statement of dispute

Complaint:
In XX/XX/1922 I created a dispute regarding inaccurate and unknown information on my credit report. To this day XX/XX/22 over 30 days later XXXX XXXX XXXX XXXX with account # XXXX it is still on my credit when I have not given XXXX XXXX XXXX XXXX my written instructions to furnish any information to the credit bureaus. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: SC
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:
This unconfirmed accounts listed below continue to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$9900.00} ; XXXX XXXX Balance : {$0.00}

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 2020-12-27
Company: CITIBANK, N.A.
State: TX
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:
I disputed a charge made on my Citi Mastercard ending in XXXX for {$320.00} at Home Depot under dispute code 53. Per the MasterCard Dispute Resolution Guidelines, the issuer may use message reason code 53 when the cardholder contacted the issuer alleging that the goods or services received were either defective or not as described. 
When using this dispute code the Chargeback Conditions must include both of the following : Both the issuer and the acquirer are located in the United States, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and/or the U.S. Virgin Islands and Goods and services did not conform to their description. Examples include, but are not limited to : Goods and services that did not conform to their description. Examples include, but are not limited to, a 100 percent money-back guarantee, written promises, or a return policy. The Supporting Documents needed are a Cardholder email, letter, message or completed Dispute Resolution Form Cardholder Dispute Chargeback ( Form XXXX XXXX stating all of the following : The cardholder engaged in the transaction The cardholders description of the goods or services the cardholder expected to receive The cardholders description of the goods or services the cardholder actually received The cardholder returned the goods or informed the merchant the goods were available for pickup. 
The cardholder contacted the merchant to resolve the dispute and the the merchant refused to adjust the price, repair or replace the goods or other things of value, or to issue a credit. 

All of these conditions were met, and I provided CITI with a copy of the MasterCard Dispute Resolution Guide, highlighting the requirements provided, the original sales receipt, a return refusal receipt dated and provided from the merchant as well as a letter meeting all the requirements of form XXXX. 

Citi failed to provide properly submit this dispute, or resubmit upon receiving these documents on multiple occasions. Even worse CITI agents have made multiple deceptive and untrue statements in an attempt to prevent CITI from having to meet its legal requirement under the FCBPA and the MasterCard Dispute Resolution Procedures.

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 2023-11-08
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate and incomplete that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate and incomplete 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 starting with the List of accounts. If not, please remove it from my credit report Immediately. 
Inaccurate and Incomplete Information 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Date of Inquiry : XX/XX/XXXX Delete this Inquiry 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of Inquiry : XX/XX/XXXX Delete this Inquiry 3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of Inquiry : XX/XX/XXXX Delete this Inquiry 4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX  Delete this Inquiry 5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of Inquiry : XX/XX/XXXXXXXX  Delete this Inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Accurate Background
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The company Accurate Background at XXXX XXXX XXXX XXXX in XXXX, CA provided completely innacuate information to a potential employer and refuse to take accountability. 

The information that they provided was incorrect, and the process to fixing this situation has been extremely difficult. Multiple employees have lied directly, as well as, indirectly. 

I was specifically told that I would receive documentation explaining the specifics of the mistakes that were made. It has not happened. 

Accurate Background informed the employer that I have a " criminal record ''. Their report showed that the disposition was " still pending ''. Neither of these were correct. The case was closed on XX/XX/2018 and the disposition was an infraction. Even if I was guilty of crime, which I was not, how could I have a " criminal record '' without a conviction? Either way this matter is looked at, this company has caused damages that are irreversible. Truly damned if I did, and damned if I didn't. 

They are refusing to provide documentation describing their fault in this matter, even after numerous promises. Multiple employees have provided poor, unreliable, and false information. Some employees seemed to create department names, and position titles, and other employees stated those departments and titles did not exist. My best inference is that these employees simply do not want to do the job that are employed with. There are hours of recording that exposes this downright scary, and possibly unconstitutional business practices. They are completely incapable of effectively providing this service. They have tried to place blame on the courthouse. The courthouse clerk has stated and verified twice that it has been filed correctly since 2018, and that possibly someone is misinterpreting the reports on Accurate Background 's behalf. I was told multiple times that they have contacted the clerk, but can not offer a name, and that Accurate is at " their mercy ''. The clerk stated on multiple days that this never happened. I believe that the clerk is 100 % telling the truth. 

I have spent hours, and hours of time, trying to resolve something that is absolutely pertinent to my survival, and to no avail. Over a week has elapsed, regarding something that could be resolved in minutes with a phone call to county courthouse clerk.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to be investigated and corrected for erroneous reporting in my file is listed on my credit report

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 2022-08-18
Company: Experian Information Solutions Inc.
State: NY
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:
information on my credit report. However, your company failed to delete accounts that are unverifiable and unrelated to any of my addresses, so how are these accounts verified? You did not successfully remove and delete the disputed items. I'll say it again : the Fair Credit Reporting Act requires you to follow the 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 non-monetary relief
Consumer complaint received 2022-02-19
Company: CITIBANK, N.A.
State: NJ
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:
We have Citi Costco card when Costco switched over from XXXX XXXX. We did not always get our monthly bills consistently. We payed on time by checking online but two of the years ( XXXX & XXXX ) we did not get our reward certificate. We called their support number and was told to go to Costco when we wanted to purchase and they would be able to assist us. At Costco, they told us that it was a Citi bank issue and they don't have the reward. We have been told the total for those years is {$1000.00}. We have asked them to check call recording to verify what the Citi representative told us on the phone but they won't honor what they told us.

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