BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
In disdain of multiple previous written requests, the incorrect accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to correct or remove the accounts.This is my several request to the three Credit Bureaus abut yet it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular accounts position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please correct or remove these accounts which are inaccurate from my personal credit file : DEPTEDXXXX  XXXX Balance Owed : {$23000.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

DEPTEDXXXX XXXX Balance Owed : {$19000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX  XXXX Balance Owed : {$2400.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 

XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: IL
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: DISCOVER BANK
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:
My name is XXXX XXXX XXXX my home address is XXXX XXXX XXXX XXXX XXXX, PA XXXX. Please remove any other name & address variations immediately, THEY ARE NOT ACCURATE. 
I continue to ask/request XXXX, XXXX, and XXXX  to properly verified the accounts they claim I owe. They continue to send back inaccurate information that is not accurate, I always request PROOF OF CONTRACT bearing my signature TO SUBSTANTIATE SUCH CLAIMS and they NEVER SEND PROOF. Per the FCRA if a credit reporting agency CAN NOT SEND ACTUAL DOCUMENTED PROOF PER THEIR RULES ALL ACCOUNTS THAT CAN NOT BE VERIFIED " WITH PROOF '' MUST BE DELETED. If this account is not properly verified with proof I DEMAND it be DELTED, if it is not DELETED I WILL EXERCISE MY RIGHTS PER THE FCRA AND WILL FILE LEGAL DOCUMENTATION AND THEY WILL HAVE TO APPREAR IN COURT. PLEASE REMOVE THE FOLLOWING ACCOUNTS BELOW : Discover Financial Services XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Winklevoss Exchange LLC
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: Card was charged for something you did not purchase with the card

Complaint:
My wallet was stolen from my car on XX/XX/2023 with the Gemini Credit Card in it. 
The theft happened in XXXX Texas where I live. I advised the local police of the theft and no one has been charged to date. Two other credit cards, XXXX and XXXX XXXX were stolen too. Both had charges of {$2000.00} each from XXXX XXXX. XXXX and XXXX XXXX both advised me that the charges were removed after investigation. 

Called Gemini credit card company the same day it was stolen, XXXX. 
Also emailed the information about the theft via the communication portal at their website on XX/XX/2023 The stolen credit card was used to charge {$2900.00} at XXXX XXXX, XXXX XXXX XXXX. 
In spite of advising Gemini of the theft their response was a letter of XX/XX/XXXX stating " completed an investigation and determined it was not a billing error '' I called again on XX/XX/XXXX twice and spoke to two different reps. They are located in the XXXX and said there is nothing they can do and there were no supervisors that I speak to. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
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: Account information incorrect

Complaint:
Equifax is reporting lots of inaccuracies in my report. I have been sedning letters to since XX/XX/XXXX Equifax - XXXX Letter XX/XX/XXXX - XXXX Letter XX/XX/XXXX - XXXX Letter XX/XX/XXXX It is over XXXX and no response or report of investigation, i believe nothing has been done about it This is absolutely not acceptable. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 XXXX XXXX XXXX XXXX XXXX  ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within XXXX it gives a reason to immediately remove those items from my credit report. it has been over XXXX, so they should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: EOS Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a debt validation letter to EOS CCA, Inc on XX/XX/2021. I have yet to receive a debt validation letter stating that I owe a bill with XXXX XXXX. I made a complaint with the BBB and they stated that they will cease all collection efforts until XXXX XXXX sends the information to them. It has been over a month and XXXX has not updated EOS CCA nor have they mailed me any information. I do not own this debt and I want it removed from my credit report. The amount is for {$2200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Early Warning Services, LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Sent in Dispute letter to Early Warning Service to dispute XXXX XXXX XXXX information. I was living in the state of XXXX at the time. Im also afraid because they sent me information for someone else when I received my consumer report and it was supposed to be just mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-06-03
Company: EQUIFAX, INC.
State: TN
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 Acct # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US 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 2021-06-02
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
after receiving numerous monthly invitations to convert a Citi Simplicity card that I have with the card holder to a Citi Double Cash Rewards card offered by the card holder. whose invitation clearly states no credit inquiry or application required to switch to the new REWARDS card. After going online to the card holders portal it redirected me back to my current held card account once I plugged in the requested information I was immediately congratulated with a New card not a conversion of my old card to the new card. The new card provided a lower credit line than my current card plus it gave a higher interest rate than my current card or even higher than the invitation received? I contacted the card company to inquire about my credit being pulled when the invitation clearly states it would not be pulled or no inquiry made! I was instructed to write a letter disputing the credit pull or inquiry only to receive a letter back one asking for my SS #? Then another letter received stating the credit inquiry was necessary to issue a new card when I again I pointed out there was only suppose to be a conversion of the old card to the new card not a completely new card issued I noted that the interest rate differs from 13.9 to 16.9 on the new card issued from what the invitation states by the card holder Citi. I am perplexed because I did not want a new card simply convert the old card to the double rewards card as the invitation clearly states. Citi Cards Cbna XXXX XXXX  XXXX XXXX XXXX SD 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 2020-12-14
Company: Experian Information Solutions 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:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

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 2021-07-30
Company: CITIBANK, N.A.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On Friday XX/XX/XXXX {$8700.00} was deposited into my account to buy a car. The money was in my account clear. The car company went to charge for the full amount it was declined. They then tried to charge my card for half the amount which was declined. Citibank then takes upon themselves to debit {$4900.00} to the company but no release the funds so they could receive them. They refused to release the funds or the rest of the money to make the transaction go through. I still have not been able to get the car my account is locked with over XXXX in it and Im just not hearing its due to a XXXX a day spending limit I never agreed to that no one will raise. I expressed to multiple that I would stranded behind this matter today and no one would help me resolve it. In fact they stopped answering my calls abs when they did they put me on hold and never came back to the phone. Citibank is terrible. I wouldnt do that to any enemy let alone a customer. They left me stranded and have my money locked. I cant get a rental car food nothing.

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 2021-07-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE BEEN A VICTIM OF IDENTITY FRAUD SOMEONE STOLE MY IDENTITY PURCHASED SEVERAL CARS GOT CREDIT CARDS HOUSES AND LOANS. WHEN I CALL THE AUTHORITIES THE PERSON ( S ) FILED A BANKRUPTCY TO HIDE THE FACT THAT THEY HAD STOLE MY IDENTITY. IT WAS PROVEN THAT IT WAS NOT ME WHO OPEN THESE ACCOUNT. MOST OF THESE ACCOUNTS HAS BEEN REMOVE BUT I SEE THERE ARE SOME STILL LEFT AS WELL AS A BANKRUPTCY THAT SHOULD NOT BE ON MY REPORT I HAVE SENT IN PAPERWORK TO ALL THREE OF THE CREDIT AGENCY AND HAVE NOT GOTTEN A RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Diaz & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not in arrears with this account with XXXX. This is a scam, and they do not even have the right account number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received +5 promotional offers for a credit card from Capital One Bank ( USA ), NA, in which they offerred a {$200.00} cash bonus if approved and, if I charged {$500.00} on the card within 3 months. My income is approximately $ XXXX per year with rent of approximately $ XXXX rent per month ; which is all they ask. Along with birthdate that indicates my age to be 68 years of age. My credit score is and has been generally above 800 for years. I was rejected based on income. I believe this was age discrimination and bait and switch advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: CITIBANK, N.A.
State: OH
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:
Citi card has agreed to reverse a fraudulent charge of {$290.00} on XX/XX/XXXX ( see attached Citi letter ) but has not issued a credit to the account yet to date. Since XX/XX/2023, the charge has been shown as deliquent and the credit card company charged late fees twice. 
To resolve the issue, we called the credit card company numerous times but each service rep who answered transferred us to another rep many times without getting it resolved, ending up spending almost an hour each time we called.

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 2023-08-08
Company: SANTANDER HOLDINGS USA, 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:
Santander USA Account # XXXX I have concerns in regards to what you are reporting on my credit report. The account has been charged off yet still reporting that it is open. The account paid off on XX/XX/2022 from XXXX XXXX XXXX due to a total loss. Upon reviewing my credit report. The company Santander USA is showing Profit loss/write-off as remarks ( Payment after charge off/collection. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

Also, see the attached Consumer Financial Protection Bureau Settles with Santander Consumer USA Inc. for Credit Reporting Violations in Connection with Its Auto Loans as evidence of violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-08-08
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX is still trying to collect debt not owed. 
Find attached confirmation of Device being returned to XXXXXXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: MI
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20
Company: Regional Management Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Regional Finance continues to contact my personal phone and my work after being told I have no knowledge of this debt and to stop calling. A letter was also sent to them to cease and desist

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 report act XXXX  account XXXX XXXX XXXX in co, XXXX XXXX and hard pulls has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1881 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written 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