BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-02
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:
1 am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX {$670.00} Inquiries 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Capital One is charging additional interest on a balance that has been paid in full. I paid the balance in full XX/XX/2023 in the amount of {$6500.00}. They have now came up with and claim I still owe them {$18.00} additionally. I have requested from a supervisor of the customer service department to credited for what I suggested is just price gouging and theft from a bank that is overcharging to gouge the consumer. They have refused to credit this charge. I have since locked my card made it clear that I would not be using their services for any other business. They already charged me interest of {$130.00} which was paid in full when I paid the {$6500.00}. I would appreciate you requesting the {$18.00} x XXXX as a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-31
Company: CL Holdings LLC
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:
On XX/XX/XXXX I called Jefferson Capital Systems LLC at XXXX XXXX  about a payment plan option that is set to expire on XXXX XXXX. I wanted to choose option 1 for a full lump sum payment in full. I spoke with a representative named XXXX who could not explain why I received a collection on my XXXX credit report which dropped my score XXXXXXXX XXXX and it was only XX/XX/2023. He could not explain why so I requested a supervisor. A supervisor named XXXX XXXX spoke with me and informed me that they can actually report that to the credit bureau after having my account for 90 days. He then told me that they received my account on XX/XX/2023. I replied that 90 days would be XXXX XXXX and today was XXXX XXXX so it was not 90 days. He put me on a brief hold and then came back and told me it was 40 days and that my 40 days was expired. At that moment I felt that something was not right and that it may be thousands of other people who rights are being taken advantage of and being violated. Please see attached documents for verification and the phone call was on a recorded line at phone number XXXX on XXXX XXXX. 
Thank you so much for your help and investigation into this matter. My plan was to pay it before the XXXX XXXX deadline however it was already reported and had damaged my credit score significantly before that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
On more than one occasion transunion never mailed my credit report on XXXX and XX/XX/2021, in which the law states a free copy of all three ( 3 ), credit reports every one to two weeks do to the on going outbreak, I believe that someone name on my credit report maybe showing up, or something or someone is plugged into my credit information.

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 2021-12-01
Company: EQUIFAX, INC.
State: NV
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 was alerted, by XXXX XXXX, that a hard inquiry was made by XXXX XXXX, and my XXXX score was reduced XXXX points on Equifax. I called Equifax to tell them it was fraudulent and they told me to contact XXXX. I proceeded, and XXXX assured me they would deny the application as none of the information matched. I called the other XXXX credit report companies to inform them as well. All XXXX companies have now been alerted of the fraud. I was also advised to contact FTC as in so doing this will help with this activity. I have very good credit and pay all accounts off at the end of the month. I dont need any credit cards as I have all I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: EQUIFAX, INC.
State: NC
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:
Equifax ; XXXX and XXXX are not investigating the negative accounts reporting on my credit report. ( Attached are copies of my identification documents for reference. ) I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute. Department of Education - XXXX and XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; Medical Collection - XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Concern a Citibank credit card. On XX/XX/XXXX. XXXX I reported my XXXX XXXX XXXX credit card lost. Citibank cancelled the card and issued a new card. On XX/XX/2023, I spoke to an employee ( XXXX XXXX of Citibank who advised me that it is their policy not to allow automatic charges from the old card to be transfered to the new card, and that I should contact vendors who had been automatically charging the old card, and give them the new card information.To my surprise, the company XXXX which had been charging the old card, was allowed to continue charging the new card. I contacted Citibank and spoke to a XXXX who told me that they will reverse the {$33.00} charge on the new card statement. The charge was not reversed, and Citibank proceeded to levy a late charge of {$30.00}. On XX/XX/2023, I closed the account, which I held for 32 years. The {$33.00} has now with the addition of late charges grown to {$140.00}. I have no intention to pay what I do not owe. At age XXXX years, I have seen the likes of Citibank evolve from predatory to parasite, particularly on the defenceless consumers left to their mercy by government bent on protecting our free market capitalism. I have no problem with the world seeing my information and my complaint.

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 monetary relief
Consumer complaint received 2021-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XX/XX/XXXX To Whom It May Concern : XXXX  It has come to my attention that continued requests for removal of credit inquiries and erroneous accounts that do not belong to me are still entered as accounts on my credit report. You also have an incorrect address, which is not normal. There is an immediate request for removal and blockage of incorrect and mis-represented information. 
I have listed below, the companies that have somehow gained my information to place an inquiry on my report. I do not have any open lines of business with them or ever have intended to. 

Correct Home Address : XXXX XXXX XXXX, XXXX NC XXXX Incorrect Address Info : XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX , XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX I have never lived at these locations. I have been at my current home for the past 25 years. 

Several inquiries that I noticed that does not represent a request from me. They all need to be removed as ASAP.. 

XXXX XXXX XX/XX/XXXX THIS IS AN IMMEDIATE DEMAND TO REMOVE ALL DISPUTED INACCURATE ACCOUNT, ADDRESS AND ANY INFORMATION BEARING MY NAME THAT DOES NOT AND HAS NEVER BEEN ASSOCIATED WITH ME! 

Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX EMAIL : XXXX XXXX : XXXX DOB : XX/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 explanation
Consumer complaint received 2021-08-01
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 non-monetary relief
Consumer complaint received 2021-08-01
Company: EQUIFAX, INC.
State: IL
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:
1.XX/XX/XXXX fraudulent hard XXXX inquiry remains on file even though XXXX has removed it from the XXXX file. 

2 Attempted to review credit report through XXXX XXXX XXXX and was denied access on XX/XX/XXXX and XX/XX/XXXX because I could not answer questions posed : a. ( i.e.retail credit card opened in approx XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX card opened in XXXX. Never had the others ) ; b. bank card opened in XX/XX/XXXX -- none applied to me from the list ) c. ( Auto loan lease in XX/XX/XXXX ) none : have XXXX cars on is a XXXX and XXXX ) d. ( total monthly auto payment ) ( have no auto payment ) Either Equifax is attempting to harass me or has mixed my file with another consumer. 

Note : my credit score with XXXX via Equifax has mysteriously dropped XXXX points since XX/XX/XXXX :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: EQUIFAX, INC.
State: VA
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:
I have paid off the amount with third party creditor. Creditor refuses to remove debt and is asking for more money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Javitch, Block & Rathbone LLC
State: WV
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Javitch Block LLC unlawfully filed a lawsuit in circuit court beyond the timeframe allowed by the WV statute of limitations.

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 2023-07-31
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Discover Card made me pay them for unauthorized charges that I did not make. I have reported that to you before. However, recently, I learned that Discover Financial Services also did an unauthorized " soft '' credit inquiry into my credit on XX/XX/23. That was 5 days before the court trial that I had to attend because Discover Card/Bank sued me for collection of a Discover Card balance, and I sued them back. I ABSOLUTELY DID NOT AUTHORIZE DISCOVER TO MAKE A CREDIT INQUIRY INTO MY CREDIT RIGHT BEFORE TRIAL AND THEY ARE ABUSING THEIR POSITION FOR IMPROPER PURPOSES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-31
Company: TRUIST FINANCIAL CORPORATION
State: GA
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:
RE : XXXX XXXX XXXX My Suntrust Account was charges a series of {$120.00} debit against my Suntrust Account. These appear to be XXXX Charges but vendor was not able to be identified. Usually these types of transaction have a way to connect with the Payee ... but in this case there were 11 transaction to XXXX XXXX XXXX totaling {$1300.00} that I disputed with Suntrust and and was not able to get reconciled. I have attached a copy of the transaction detail supporting the charges.

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 2023-06-19
Company: CITIBANK, N.A.
State: NC
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:
On XX/XX/2023, I went to a website which presented itself as a USPO site to purchase stamps. It looked legitimate and did not arouse suspicion. I purchased a variety of forever stamps totaling {$88.00}. Immediately after entering my payment information, the site was displayed as a " Women 's Ready to Wear '' company located in XXXX XXXX. Recognizing I had been scammed, within 5 minutes, I was on the phone with the fraud department at Citibank, speaking with " XXXX '' and asked him to BLOCK the charge from posting. I was advised that " nothing can be done until the charge is posted '' which would take XXXX days. He assured me multiple times that the fraudulent charge would be reversed after posting to my account. 
Since the scammers had my financial information, I chose to immediately close my account and receive a new account number. 
I heard nothing further after 6 days, so I called again and " XXXX '' with the " dispute resolution team '' took my call. She said, " Do not worry. It may take up to a whole billing cycle, but {$88.00} will be posted as a security credit ''. 
On XX/XX/XXXX, the credit was posted to my account, but was immediately reversed the same day and still appears as a charge. As of today, XX/XX/XXXX, Citibank has not reversed the fraudulent charge, and has deemed {$88.00} as " customer 's responsibility ''. 
I have received a shipment of XXXX XXXX from a sham company ( XXXX, XXXX XXXX CA XXXX XXXX These stamps are fake, and illegal to use. 
Thank-you for any help getting Citibank to XXXX its word and reverse the fraudulent charge.

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 monetary relief
Consumer complaint received 2023-06-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
For several years I have complained with my bank and cash app about my transactions being doubled and tripled for multiple cash app transactions. Everytime I disputed or complain they tell me no errors are found but yet today while looking at my finances bank account it clearly shows this same occurrence. My cash app transactions are being deposited into his account XXXX times each transaction. Cash app has ignored my arguments about someone stealing my cash app account in whole and refuses to acknowledge any errors on their part. This has cost me several thousands of dollars and is currently still happening since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I received a call from XXXX XXXX XXXX. They called from phone number XXXX. They stated that I owe Wells Fargo {$840.00} from several years ago. Informed them that if I didn't pay they would freeze my accounts and prevent me from having another checking account or credit card ever in life. They also threatened to sue me. Somehow they had all of my information. The rep was absolutely rude and I ended up hanging up on them.

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 2018-07-16
Company: Experian Information Solutions Inc.
State: WA
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 received a credit card and never used it. Not even once. The card was used by someone else. I did not realize this till I recently reviewed my credit report. XXXX XXXX will not remove it

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