BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-15
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
This past XX/XX/XXXX my Bank of America alerted me of a suspicious transaction. 
On XX/XX/XXXX went to bank appointment and discovered more than a yr of fraud as well as suspicious activity online banking such as password changes, ID lookups ect. Filed claims ( bank still investigating ) .On XX/XX/XXXX froze bank account and opended new one. Found out $ XXXX that they denied all my fruad claims. I then told them I discovered identity theft as well on credit report so they said if I send in proof they might reopen the case.Then I decided to check my credit reports on XX/XX/XXXX and saw many fraud claims, inquires, log ins, 4 different names, 2 unknown phn numbers, prev freeze lifted without my knowledge. I made disputes, added fraud, and frooze accounts. Tried to log on XXXX and it wouldnt let me log in. Im a victim of identity theft, as well as bank fraud for a while now without me knowing due not frequently checking credit reports or bank transactions. I need help navigating all the info and help I can get to recover my money and identity and find out whos behind this. I have XXXX  kids to feed and need funds back soon! Please help me in any way you can, Im lost and overwhelmed. Tommorow I will be going to police to file a report. Thank you for any help or information you can provide.

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 2023-04-15
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I applied for an " accelerate savings '' account with Citibank back in XXXX of XXXX ( because it had a good interest rate for my savings ). I never asked for a debt card, and was never told I would receive one. One day I try logging into the mobile app to pay off my credit card, and before I could login it asked me for a debt card number. This is when I found out they were going to ship me a card, but hadn't received it yet. I called them, and they said it's probably in the mail still. I waited a week or two, and on XX/XX/2022, I got an EMAIL asking if I made {$5100.00} in transactions ( 13 total ). I was furious, because I never got a single call. The first transaction on this XXXX card was on XX/XX/XXXX. I disputed it, a week later it was denied. I contacted the XXXX XXXX Sheriff 's department, and got in contact with deputy XXXX XXXX, and got a case ID number XXXX. He started working on trying to get camera footage at the XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX they visited, because all the other places delete the footage in a XXXX short time. I disputed time after time, eventually I tried to get Citibank to contact my deputy, they said to have XXXX call them. XXXX called them numerous times, and those XXXX people said " no one but the card holder can contact us about the account ''. Citibank asked for numerous documents from me, and I sent them everything including a scan of my driver 's license. Eventually I went to speak to the XXXX XXXX XXXX XXXX XXXX manager for myself, and they said they couldn't give me the footage without a subpoena. I asked them if they could save the footage and just not give it to me, but apparently they wouldn't do that either. A while later ( maybe a month or two ) I find out the casino doesn't hold onto the footage for as long as the deputy was told ( 6 months ), but rather they hold onto it for 3 months. Currently I am on the XXXX or XXXX dispute with them ( I WON'T STOP ), and they deny every single time, saying I had the card in my possession, when I freaking didn't. I was promised I would get the full amount back and the case has been resolved, and I would get a check in the mail in 1-3 weeks. It's been over a month and a half now, and now they're saying I won't get it back. I am currently XXXX, I'm not even allowed in a casino! This bank has to be held accountable! I deserve compensation not just for the money I worked hard for, but for the time of mine they wasted! I've called them probably 100+ times since last XXXX. I WANT MY MONEY BACK

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 2023-04-16
Company: Experian Information Solutions 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:
Consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 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. accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected MY RIGHTS.

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 2023-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 have recently been trying to resolve late payments that capital one has reported to the 3 credit bureaus on my account. On XX/XX/2023 Capital One granted permission to XXXX to remove my inaccurate late payments from my credit report, which I was very grateful for as Im trying to buy a home for myself and my daughters. I called XXXX and confirmed with an agent that the late payment had been removed and I was told Capital One agreed to remove the late payment. I then called Capital One asking if they could report this to the other two bureaus and was met with attitude from a supervisor on this matter. Today, XX/XX/2023 the late payments showed back up on my XXXX credit report further damaging my score. This has severely effected my plans of buying a home and does not seem appropriate according to the fair credit reporting act. If you could please help me resolve this matter it would be greatly appreciated. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Experian Information Solutions Inc.
State: GA
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 did not provide the credit reporting agencies with written permission to report any of these accounts that I am requesting to be removed. That is a violation of 15 U.S. Code 1681b ( a ) ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

This leads way to identity theft.

The definition of a credit card per 15 U.S. Code 1602 ( l ), means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
That means I did not provide a company ( company reporting ) with consent to share your credit card ( ID, SSN, etc ) with another entity ( Experian ) this is a violation of 15 U.S. Code 1681s-2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of 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. 
The information is not information relating to any transaction made by the consumer ( me ).

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 2023-04-15
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX was in the process of reporting my Mortgage paid in full and never accomplished the task. I called the organization and they have never responded or never showed paid in full. The mortgage I am fully satisfied with why are they not showing paid?

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 2023-04-15
Company: Reliant Capital Solutions, LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Reliant Capital Solutions in XXXX XXXX XXXX. My credit reports says the the account has been delinquent since XX/XX/XXXX, but I was NEVER notified until XXXX of XXXX. I wrote a letter requesting a debt validation letter and never received a response. It was then put on my credit without a response to my initial request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-15
Company: CITIBANK, N.A.
State: VA
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:
Citibank Mastercard did not resolve my credit card dispute of {$1100.00} with XXXX stating that Mastercard imposed strict guidelines on the time limit for investigating disputes but they did not provide those guidelines. Subsequently I have looked up Mastercards guidelines for filing a dispute and it is 120 days from the time of the charge OR the expected delivery date. As you will see from the dispute material that I sent to Citibank on XX/XX/XXXX ( on page 11 ), the estimated delivery date was communicated to be XX/XX/XXXX. Thus, I filed my complaint less than 90 days from the communicated delivery date. Citibank has drawn this out for months because they did not closely review the material that I had submitted. I filed my complaint within the XXXX time limits. I need Citibank to honor their buyer protection and refund me for this charge. Please read the submitted documentation closely!

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 2023-04-15
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I've sent Experian numerous amounts of letters to remove the incorrect reporting of XXXX XXXX on my accounting and they refuse to delete. I've asked for them to send me their method of verification etc.. and they refuse to send.

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 2023-04-15
Company: Foursight Holding LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I received a letter from Foursight Capital. They charge off debt on XX/XX/XXXX, but continue to access fees, interest, and finance charges. I have disputed the amounts with the credit bureaus which has led to no help. Reached out to Foursight and they state the amount is accurate. I believe this is illegal. They have reported inaccurate information to the credit bureaus which violates FCRA 623 but XXXX and XXXX refuse to delete the record. Again, the furnisher of information that is inaccurate to credit bureaus is allowed to violate FCRA 623 without recourse. Big game with XXXX and XXXX violating their ethical and legal obligation to adhere to the FCRA but yet they collude with the furnisher for greed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX ( a Wells Fargo Credit Card / Financial product ) runs a fraudulent " rent payment '' program via its mobile application platform. For now two months in a row, I used their platform to issue a rent payment to my landlord. The rent in question is {$6500.00}. 

- On XX/XX/2023, I initiated the {$6500.00} rent payment on the XXXX XXXX. XXXX withdrew via ACH, on XX/XX/2023, from my XXXX bank account, the amount in full. 

- On XX/XX/2023, XXXX charged my XXXX credit card, without my consent and authorization, and fraudulently, for {$6500.00}. I noticed the charge a few days thereafter, reached out to customer service and they agreed to remove the charge. Had I not noticed the charge, XXXX would have enriched itself fraudulently by double charging me for rent. 

- The additional, fraudulent charge of {$6500.00} on my credit card statement caused a precipitous decline in my credit score, for overusage of credit lines ( the document attached shows my credit score being reduced by over XXXX points, and my credit usage at 333 % due to this charge ). Since this charge is fraudulent, and not my responsibility, I demand that XXXX rectify the disastrous effects this has placed to my credit score, my ability to secure credit, and the work it will require to rebuild my credit to satisfactory levels. 

- On XX/XX/2023, I initiated a the same {$6500.00} rent payment on the XXXX XXXX. XXXX withdrew via XXXX, on XX/XX/2023, from my XXXX XXXX account, the amount in full. 

- Unbelievably, on XX/XX/2023, XXXX charged my XXXX credit card again, without my consent and authorization, and fraudulently, for {$6500.00}. I am in the process of getting this charged removed. 


It is clear, based on two months of evidence, that XXXX operates a fraudulent " rent payment '' scheme and the CFPB should intervene, stop the program, and ensure that every person who used it has not been double charged. The CFPB should demand full accountability, and damages to every renter affected.

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 2023-04-15
Company: Chime Financial Inc
State: GA
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 have contacted Chime multiple times about a {$350.00} XXXX charge on my account on XX/XX/, to which i didnt recieve my product or a refund. I have evidence from XXXX that they would refund me If i disputed but so far, Chime has not helped me at all and is actively ignoring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
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: Personal information incorrect

Complaint:
I tried time and time again to have incorrect names and addresess removed off of my Experian and XXXX and XXXX reports to no avail. The credit bureaus continuously violate my rights under the consumer protections laws. I would like for these errors to be corrected.

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 2023-04-15
Company: Genesis FS Card Services, Inc.
State: PA
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, 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Date : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: U.S. BANCORP
State: WI
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:
ELAN FINANCIAL  Inquiry : XX/XX/2023 This account is a hard inquiry on my credit, and I never filled out for this. I called in try to explain to them that I never filled out for anything. They said they didnt even see me in their system.

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 2023-04-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This item needs to be verified with a wet signature. The documents used to furnish this information on my report needs to be provided in a prompt timely manner. 

The wet signature should already be on file with the bureaus. There should be no reason to be requesting information. According to the FCRA, there are specific documents required to furnish a item to a persons credit report. It also states that I can request a copy of these documents from the credit bureaus without reaching out to the creditor. 

This item has no reason to be on my credit report. This item is negatively affecting my credit. If the proper documentation was not used to properly report this to my credit it needs to be removed. 

Send all documents used to place this information on my credit needs to be sent to my mailing address immediately.

Company response to consumer: Closed with explanation