BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-19
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
I have had a Best Buy card for about three to four years now. I have never had an issue with any of my credit cards before, ever. I barely use this card and I just happened to use it this year for a large purchase. I also happen to be buying my first home this year as well.
In  XXXX  there was a payment of {$45.00} due for my Best Buy card, which I paid, but in  XXXX  I received a 30 day late on my credit report. I was told it was because the actual payment was {$10.00} off and that 's why it 's late. I explained that the online payment said {$45.00} so that 's what I paid. I always go by the minimum amount or I pay more. I never pay less, I always go by what 's required. Why would I pay {$45.00} and not {$55.00}, that just does n't make any sense. Especially when my credit is immaculate and I 'm in the process of buying a home?
The fact that it was reported to the credit agencies to begin with for {$10.00} is beyond me but everyone has a job to do right?
I was also never notified or mailed about anything wrong with my payment. Based on this discrepancy I wanted this to be removed because it could 've been a glitch or error on Best Buy 's website and an error on Best Buy for not reaching out to me for something as important as this? No phone calls, voicemails or mailings? Even if it was a mistake on my part, which it was n't, we all have lives, we have kids, dogs, homes, responsibilities, other bills, these things happen. I was even willing to go on autopay so something like this does n't occur again in the future.
I take this very seriously and I understand creditors want their money. But just like they 're taking my money they can also understand that these things can happen. I 've been a loyal customer and I did not feel like I was treated reasonably by the reps I spoke to over the phone or via chat which is why I 'm escalating the matter. In the end a late reporting only affects one person, the company is still receiving their money and their employees are still getting 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 explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: MA
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 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 2023-09-19
Company: EQUIFAX, INC.
State: TX
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:
It appears that my 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 is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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 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 2017-07-18
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I was going to attend   XXXX   XXXX   College in   XXXX   XXXX   Sc that was between  XXXX  and  XXXX  not exactly sure. The advisor i had was  XXXX  ca n't remember last name. But after finding out the school was n't accredited I decided not to attend. Yet I 'm assuming   XXXX   XXXX   was still billed. I never attended classes but yet I was sent a bill to pay   XXXX   XXXX  . I contacted   XXXX   XXXX   to make them aware of this. At which time I was told it was showing I attended the school for months and that I should pay and if it found that I did n't attend I would be refunded. ( I paid about {$300.00} towards the loan ) I again assured her this not to be true. I then went to the school and got a letter on the school letter head confirming I did n't attend classes or got materials from the school. I was told it would be looked into and I would receive a follow up and if found I did n't attend the school id receive a full refund. I never heard from them again. And only got a load of run around afterwards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: CA
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 XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2017-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
To whom it may concern on  XX/XX/XXXX  I opened a Capital One card. My limit was {$30000.00} and I had a perfect credit scores in the high   XXXX   range, never missed payments on none of my 27 accounts. I got a call and letter from Capital One stating they see weird activity on my account and they closed the account, the account was also maxed to the credit limit which I never even gotten to use the card. The {$40000.00} charges to my Capital One card does not and was not incurred by me and I did not authorize anyone to use my card. This account was closed and charged off on  XX/XX/XXXX  however it is still accruing interests till this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: RIA FINANCIAL
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I user Ria Money Transfer to send {$180.00} to a friend in XXXX and the transaction number is XXXX This was done on XXXXXXXX XXXX XXXX and till date has neither been deposited and nor refunded. Multiple attempts were made to reach out this company on chat- 4 times, email 3+ times, XXXX - 3 times and phone -thrice but the company has kept my money with no sight of refund or ETA for refund

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I paid all 36 of my monthly payments and turned my leased   XXXX   XXXX   XXXX   in prior to the maturity date. It was under mileage and in show room condition. There were no dents, no scratches, no stains ... ..nothing!! We brought the car back to the dealership where we leased it (   XXXX   XXXX   in  XXXX , NY ). No one said a word about its condition or did any sort of inspection while we were there. Several months later I received a bill for {$630.00} from Hyundai Motor Finance. I knew that there would be a " disposition fee '' of {$400.00}. However, the breakdown on the bill was so convoluted that it was impossible to determine what the additional charges were for. After speaking with a representative (   XXXX   ) today from Hyundai Motor Finance I was informed that there was damage to the front right bumper. There were NO damages when we turned it in, and since the " inspection '' was done outside our presence I can only assume that IF they found damage, it happened after we turned the car in. They claim to have photos, but I have to assume that they are not photos of the car I turned in. I contend that these charges are bogus and Hyundai 's way of making money from consumers. I am refusing to pay for damages that were not there, and I do n't trust that this company might have 'manufactured ' this to collect a few extra bucks. I will pay the 'disposition fee ', but I am not paying for damages that were not there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 2017-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have been contacting Transunion via mail and phone and online for the last 3 months about unauthorized inquiries. At one point they were removed and put back on and I was not notified within 5 days of that happening. The last time I called the guy said nothing could be done for inquiries over 6 months old, I told him these inquiries are shy of it by days. He would not put in dispute again.     I notified him that these items reappeared after the company BREACH and he said that they were not looking at items dated over 6 months.

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 2017-07-18
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: Public record information inaccurate

Complaint:
Tax Liens have been disputed because of the inaccurate data not being provided for the liens, they were suppose to remove them but instead just {$0.00} them out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid {$3000.00} into my escrow account beginning XX/XX/XXXX and ending XX/XX/XXXX. I received an homeowners insurance reduction of {$120.00} because of a new roof I had replaced in XX/XX/XXXX. The insurance company sent me a check for {$120.00} and I called Specialized Loan Servicing to ask them about the money going back into my escrow account. Specialized Loan Servicing told me to make an extra escrow payment for {$120.00} to cover the projected shortage. I made that extra payment along with my normal payment XX/XX/XXXX. I also made another extra escrow payment XX/XX/XXXX. The total extra escrow payments was {$220.00}. I received an escrow analysis showing a shortage in the account and instead of applying the {$220.00} to my escrow account XXXX applied the extra funds to my principle. The new payment starting in XX/XX/XXXX is based on that shortage and is incorrect. I have called the company which is so terrible to get to them .The company makes you jump over hoops just to talk to someone and then they will tell you different things just to get you off the phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Experian Information Solutions 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:
O n   XX/XX/XXXX  I received a packet from   XXXX   XXXX   XXXX  . The bank confirmed the fact they received my loan from   XXXX   XXXX   XXXX   on  XX/XX/XXXX   t o service. The account number is  XXXX . on my credit report from  XX/XX/XXXX . Case number  XXXX  you show a date of  XX/XX/XXXX  for that account. That is incorrect. I purchased my hom e   XX/XX/XXXX  loan number   XXXX   with   XXXX   XXXX  . The amount of my first loan was {$49000.00}. The loan with   XXXX   XXXX   XXXX   was discharged on  XX/XX/XXXX . The loan was wit h   XXXX   XXXX   XXXX   in  XXXX  .   XXXX   XXXX   XXXX   XXXX    confirmed this also. I had a loan with   XXXX   XXXX   also. The deed of trust is  XXXX  with   XXXX   XXXX  . The amount Of The loan with   XXXX   XXXX   was {$11000.00}. The loan was paid off.   XXXX   XXXX   XXXX   was a Home improvement loan. The spelling of my name was   XXXX   XXXX   XXXX   -the address was   XXXX   XXXX   XXXX    XXXX  TN  XXXX .   XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX   number  XXXX - XXXX  TN  XXXX ,   XXXX   XXXX  -  XXXX   XXXX   XXXX   XXXX  - XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  TN   XXXX      XXXX   XXXX    XXXX  TN -Attorney   XXXX     XXXX   XXXX   XXXX   XXXX  . I used his address once. Attorney   XXXX   XXXX   address was   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX  TN  XXXX . Instrument number on the property at   XXXX   XXXX   XXXX    XXXX   XXXX  is   XXXX   XXXX  . Instrument number   XXXX   shows   XXXX   XXXX   XXXX  , unmarried.  XXXX  in the register office of   XXXX   XXXX   County, Tennessee.   XXXX   XXXX  , The pathways subdivision as shown on plat book 64, page 33. The property was foreclosed on and sold to Tennessee Housing Development Agency.   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  TN  XXXX . The amount the property sold for is {$18000.00}. The register of deed # is  XXXX . The property parcel I 'd is  XXXX   XXXX  at   XXXX   XXXX   XXXX    XXXX  TN  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 2022-11-21
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
for Account XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX 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 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XXXX of 2022, someone hit my credit report with XXXX hard inquiries and was able to get approved for a credit card with a {$10000.00} limit with XXXX Bank. I tried to resolve the issue with XXXX. I was under the impression that we were going to close the account/card completely but they were under the impression that we were disputing a charge. After further investigation, I found that the account is still on my credit report ( its reported closed cause the individual never made a payment ). I reached back out to XXXX and they are currently doing an investigation on the 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 explanation