BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Somebody was stolen my information and opened credit card in XXXX company at XX/XX/2022. Amount is XXXX $

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit 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:
This is to confirm that a timely billing dispute was filed on XX/XX/2023 utilizing the Venmo Visa Credit card support number at XXXX. Specifically, this is for the merchant XXXX XXXX XXXX  in the amount of {$5200.00} dated XX/XX/2023. The purchase was an initial down payment for my other half XXXX XXXX concerning the merchant obtaining XXXXXXXX XXXX XXXX watches from the vendor. However ; 36 days after the initial posting of the charge, the merchant has not been able to provide a solid concrete date or very close estimate of when the merchandise will be acquired. Attached is email proof sent to the merchant on XX/XX/2023 at XXXX XXXX  and XXXX XXXX  requesting that the merchant cancel the order. Additionally, attached is the merchant return policy taken directly from the merchant website. In conclusion, no merchandise was ever shipped by the merchant, thus, no return policy is applicable. The only response received from the merchant is in the attached email dated XX/XX/2023 at XXXX XXXX  in which the merchant stated : " Hi XXXX, can I call you ''?

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 2023-05-25
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
There are XXXX charged-off accounts being reported on my credit report for three different retail stores, all financed by the same bank ( Comenity Bank ) XXXX I've sent several written letters, most recently on XX/XX/2023, asking that the charged off accounts be deleted entirely from my Credit Report. 

As detailed by the IRS via www.irs.gov- a creditor files a form 1099c ( Cancellation of Debt ) when they charge off a debt greater than {$600.00}. When debt is written off by a creditor, the form 1099c classifies the written off debt as taxable income of the debtor. Thus, these charged off accounts have been added to my taxable income and I have paid taxes on said income. As a result, the XXXX charged off accounts on my credit report must be deleted entirely, as they are inaccurately reporting these accounts on my consumer report. I have written to Comenity Bank asking that they provide me with a copy of the 1099c forms for each charge off on my credit report, so that I can forward it to the three Credit Bureaus as proof of the written off amounts being taxable income and I have forwarded the corresponding information to XXXX, XXXX and XXXX, to no avail. I have followed up in writing to the XXXX Credit Bureaus and the continue to update it as accurate. My consumer rights are being violated, as they are inaccurately reporting information on my consumer report. 

After Comenity Bank recently received my complaint in this regard, the inaccurately reported the information as valid, failed to remove the charged off accounts from my credit report, and decreased my spending limit on an open card that I have with them, causing my consumer report score to drop further, in retaliation for my complaint regarding the inaccuracies. They are predatory and need to be held accountable for these disgusting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: NJ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 non-monetary relief
Consumer complaint received 2020-05-20
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:
XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX I Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX I Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX I Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX I Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Tip 2 inquiries will be removed soon from your credit report. 

all ftc violations a sent XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-06-16
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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.

The letters are stated with items and issues.

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 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 2021-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/21 I sent a dispute letter to TransUnion with the tracking number XXXX. XXXX records show that on XX/XX/21 TransUnion accepted possession of my letter. The purpose of my letter was a request for a reinvestigation of items on my credit report. My dispute request and instructions were reasonable and within my legal right. TransUnion has an obligation to complete the investigation within 30 days from the date they have accepted the letter. My request is not a duplicate of any previous communication with TransUnion. TransUnion willfully ignored my dispute. They have failed to conduct a reasonable investigation within 30 days from the date they have received my dispute letter. I sent TransUnion a follow-up letter dated XX/XX/21, with the tracking number XXXX. XXXX records show that TransUnion accepted my letter on XX/XX/21. In my second letter to TransUnion, I requested they follow my requested action for each account that I disputed. The Fair Credit Reporting Act mentions that consumer reporting agencies have an obligation to ensure maximum possible accuracy. The law also mentions that consumer reporting agencies must involve their users in a reasonable investigation and complete it within 30 days. I believe TransUnion is attempting to avoid their obligation to Federal Laws for their own commercial gain. They continue to sell this inaccurate, and unverified information to other companies. Further hindering my ability to purchase a home. TransUnion is hoping that I will get frustrated and just give up on this matter. I attached a copy of each dispute to this 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 explanation
Consumer complaint received 2021-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
All three of my Capital One Accounts was closed out for no reason. 

I have great payment history for 10 years plus and managed to pay off all my credit card debit durning the pandemic. 

I didn't get any waring that my accounts was going be close. They didn't give me a chance to work with them so my accounts wouldn't be closed. 

The closing of these accounts have dropped my credit 81 points. 

Credit is very important to me. Me being a loyal customer for over 10 years I feel like I should be treated better then this. I'm in the process of trying by a house. I need my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: TRUIST FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Prior CFPB complaint not addressed, Truist Bank supposedly mailed reply to me, nothing received to date. Their reply provided contact info which does not address complaint, their contact does not accept or return calls, a XXXX XXXX. It appears Truist Bank will not reply directly to CFPB, appears attempting to circumvent by providing contact info. Additional complaints marked as duplicate to avoid CPFB portal and also addressing them. This pertains to a mobile deposit made on XX/XX/2018, the amount of $ XXXX.The full deposit was made available next day on XX/XX/2018 after calling in, inquiring about availability. It appears Suntrust reps, now Truist Bank, failed to verify funds before releasing them. The check, a closeout check from XXXX XXXX, later returned due to stop payment placed which I was not aware of prior to deposit. Account became overdrawn, sent to several collection agencies, mostly recently, XXXX XXXX XXXX which was sued for their collection tactics. Truist Bank continues to attempt to collect, despite their own error in releasing funds without verifying Since this their own error, I request Truist Bank remove account from credit reporting, cease from collection activity. Complaints marked as duplicate will be investigated by CFPB.

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 2021-09-23
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, my name is XXXX XXXX XXXX I have recently checked my credit reports and found that Navy is reporting credit card with 2 different account numbers ( XXXX & XXXX ) to all 3 Credit Reporting Agencies ( XXXX, XXXX, XXXX ) XXXX my name. 
This is not an acknowledgement of debt. 
According to the Fair Credit Reporting Act, only correct and accurate information may be reported on my credit report. After reviewing my credit reports, I am finding many incorrect items being reported, including but not limited to the following discrepancies : 1. The date opened reported by the CRAs are incorrect. They are also reporting different dates to different credit reporting agencies.

2. The payment history is incomplete, inaccurate, and reporting different information to each of the three reporting agencies. On the XXXX report its showing as derogatory while the others are showing as paid. 

3. The Dates of last payment are inaccurate as they are reporting different dates to different credit reporting agencies. 
As these and other things are being reported incorrectly on the report, I request that you immediately cease reporting of these accounts until the completion of a thorough and complete investigation and validation of this information. 
If you are unable to furnish all correct dates and information, I respectfully request that you cease reporting and Delete these two accounts from my credit reports with all 3 credit reporting agencies ( XXXX, XXXX, and XXXX ). 

Thank you for your time, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous 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 an alleged fraud or extortion. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: EQUIFAX, INC.
State: MO
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:
On or about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX began reporting inaccurate information regarding my bank account through XXXX XXXX XXXX XXXX I overdrafted my account and bank had permitted me to settle via a payment arrangement or fresh start program my account therefore was pursuant to FCRA in good standing in as much we had reached an agreement I have NO issue with XXXX XXXX  only with XXXX XXXX XXXX XXXX XXXX innacuratley reporting and still as of today XXXX showing i owe this amount on my Equifax report although XXXX XXXX advised them and they promised they would take it off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023 my realtor received this text : I am a field technician from the XXXX XXXX XXXX disconnection team believe you are a license real state agent and you have this property listed, which it is schedule for disconnection today. 

I wouldn't want to cause any inconvenience, may you please relate the message to the owner or the person in charge and have them call disconnection team at ( XXXX ) XXXX XXXX or Ext XXXX with the disconnections reference XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I called back and was told I need to pay for the deposit otherwise they are going to shut down the power. They said credit card would take five days to post and ask me to transfer thru XXXX, I did the first time, {$850.00}, and was told the number was not right so I did the second time {$850.00} and was told again Im not qualified for the discount so I did the third time, {$990.00}. They said the previous two payments will be back to my account in XXXXive days, and there was no answer when I called back. 

On XX/XX/XXXX, I called XXXX XXXX to report the case, and also called BoA to report a fraud, the claim number is XXXX. Never got any investigation report. I called BoA today and they told me my claim was denied because BoA is no liable for XXXX transfer.

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 2023-09-13
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the Fair Credit Reporting Act you are reporting information that is a violation of the FCRA 1681b ( a ) ( 2 ) XXXX XXXX and Experian should remove these accounts as I gave no Permission for my NON PUBLIC PERSONAL INFORMATION to be transported because I did not give anyone Instructions therefore this is violating my PRIVACY RIGHTS so remove these items from my consumer report ( s ). 


Trade - XXXX  XXXX XXXX Trade - XXXX XXXX XXXX XXXX Trade- XXXX XXXX XXXX XXXX Title 15 USC Section 602 states I have a right to privacy.

Title 15 USC Section 604 states a Credit Reporting Agency can not furnish an account without my instructions.

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 2023-05-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX  XXXX XXXX XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : - ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX EXPERIAN XXXX XXXX  Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX - XXXX XXXX Inquiry : 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 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 2021-09-29
Company: Experian Information Solutions Inc.
State: PA
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:
There are a few accounts on my report that I do not recognize

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 2021-09-29
Company: Genesis FS Card Services, 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:
XXXX/MILESTONE GENESIS CC ENDING # XXXX THEY CHANGED FROM ACC ENDING # XXXX. 
ALL HE TRANSACTIONS OR CHARGES FOR THIS CREDIT CARD WERE FABRICATED BY THE CREDIT CARD COMPANY WITH A SECOND CREDIT CARD I NEVER USED.SENT A FAX LETTER ON XX/XX/XXXX TO XXXX, WHICH WAS NEVER REPLIED, AND YET THEY WERE WITHDRAWING PAYMENTS FROM MY ACCOUNT XXXX OF XXXX  XXXX THAT I HAD TO CLOSE BECAUSE WERE WITHDRAWING FUNDS WITHOUTH MY AUTHORIZATION AND MY ACCESS TO THEIR ONLINE SERVICE WAS BLOCKED.STARTING ON XX/XX/XXXX THRU XX/XX/XXXX ALL TRANSACTIONS WERE UNAUTHORIZED XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, AND XX/XX/XXXX XXXX, ETC. AS PER LEGAL ADVICE I ASKED THE BANK TO RETURN ALL PAYMENTS TO THIS CREDIT CARD.THEY CHARGED ME SEVERAL TRANSACTIONS WITH XXXX, SEE LETTER DATED XX/XX/XXXX, WHEN AT THAT TIME I DID NOT HAVE AN ACCOUNT WITH XXXX. 
I DONT OWE THIS COMPANY ANYTHING! THEY DAMAGED MY CREDIT COMPLETELY ... ... ....

Company response to consumer: Closed with explanation