BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Thank you for taking the time to review the complaint. After the reviewing of all major credit reports, XXXX  furnished an unfamiliar debt on credit profile. Understanding creditors are obligated to report paid and unpaid debt, however ; never established residency at XXXX XXXX XXXX. Requesting a full method of verification, which is under FCRA 623, will include the following ; signature of the lease agreement, unpaid amount, and how it was generated. Copies of identification along with social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: EQUIFAX, 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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions I

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: CORELOGIC INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Data is not showing current information with Corelogic Rental Property, XXXX and SafeRent. 
XXXX XXXX XXXX was paid in full attached proof of verification items were paid in full on XX/XX/19.

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 2019-09-04
Company: CITIBANK, N.A.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged {$630.00} on XXXX XXXX, 2019 from XXXX XXXX hotel. There coffee maker was left on and spewed water which burned me. The thermostat did not work after numerous times turning it on, and the curtains did not open. Within an hour and a half, I went to the front desk to request a refund and proceeded to make other arrangements. I submitted numerous documentation that I did not stay and proof that I attempted to contact the hotel ( emails, phone records, receipts, billing statements, etc ). I have several medical conditions from doctors that I needed a restful night of sleep. The hotel proceeded not to refund my card. I even planned a second trip and requested an invoice. The invoice shows no address and a blatant lie that I check out the following day at XXXX. I also submitted a screenshot and the url from the hotels guarantee that if I am not satisfied, I would get my money back. The hotel manager, XXXX XXXX wrote back to my bank insulting my mental condition because of all the documentation I provided ... As a valued merchant, I would hope that XXXX would be able to see this woman is not of sound mind. The hotel should not be penalized for this womans manifestations. In fact, due to the number of documents ( 153 pages ), she assessed I was clearly out of my mind. 

Citibank submitted all of my documentation to Visa via arbitration in which I believe Visa did not review. Citibank said pre-arbitration was declined. I am filing a complaint that Visa violated my medical status and sided with a business who knew of my medical condition and still continued to keep {$630.00}. I believe Visa denied my rights to a fair arbitration. 

I also requested that Citibank appeal this decision which they refuse to. The 2 people that were helping me were moved to other departments, and the new managers will not file an appeal. We need to be able to appeal a decision if the reviewer and merchant did not review any documents. In the hotel managers response, she admitted that she would not review any of the 153 pages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/18 I began communicating with an individual about purchasing concert tickets for a concert that was taking place later that evening. After texting back and forth about specifics, such as price & seat location, and method of delivery ( electronic ), I asked with the best method of payment would be, XXXX or XXXX. He suggested XXXX, which I had seen on the Citizens Bank homepage, so I agreed, and was given the email address of XXXX, which I used to send funds to this individual via XXXX. I was purchasing two tickets for XXXX XXXX at $ XXXX/per ticket, so the transaction total was {$300.00}. The transaction was processed and my account showed {$300.00} had been withdrawn, however the individual I was purchasing from said it was never received. I later learned from the police man I filed a report with that this is a common tactic used by scammers to get you to resend the funds, but since I knew the funds had left my account, I did not resend the transfer. After sending multiple text messages to this individual and calling multiple times I realized that I was not going to receive the tickets, and I that I had just been defrauded. When I called Citizens Bank, who is partnered with XXXX, they said there was no type of report that they could file, there was nothing they would do on their end, and to contact law enforcement ( which I did that same evening, XX/XX/18 ). XXXX is listed on Citizens website as " A fast, easy, safe way to send and receive money '', but I now realize that there is nothing safe about it if there is any chance fraud is involved. The Citizens website also says that XXXX is secure- '' Transfers are protected by the same technology that protects your online and mobile banking '' -unfortunately in this case " secure '' does not equal safe. The recipient mentioned having XXXX XXXX, but I am not sure if that is the case. It was very clear that this individual was targeting people by using XXXX, and unfortunately the amount of trust I had in my bank prevented me from seeing through this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Contacted Equifax regarding my online Equifax profile listing an account that I've never seen before. Meanwhile, literally all of my tradelines and student loans are completely missing from my profile. The representative that was helping stated that she did not see the account that I was mentioning listed on her screen and tried to create a new profile for me and an error code kept popping up. Not sure if there is fraud going on, but she was unable to create a new account for me and ended attempting to transfer my call to their IT dept for further assistance and no one answered. She then provided me with XXXX # XXXX for reference promising that I would receive an email once a new account is created by IT. As of today I have not received any updates or communication regarding this very concerning issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2018-10-09
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018 I received a call from my step son stating that there had been a complaint filed against me and I needed to call XXXX I called that # and as given a case # XXXX and was told to call XXXX XXXX XXXX XXXX XXXX AKA XXXX XXXX XXXX XXXX at that time I spoke with a person by the name of XXXX had he stated he was calling on behalf of Discover and that I had a outstanding balance of XXXX and I could clear this up right now for XXXX and he stated that I was mailed this in 60 days ago I told him that I never received it he sated he would resend in, I explained to him that I was on vacation and would like to get home ( XX/XX/18 ) and look into this and he stated no that it had to be resolved right now or further legal action would be taken against me he stated what he could do as a payment arrangement of XXXX for 25 months and the first payment had to be made right than. I did make that payment When I got home on XX/XX/XXXX I did call Discover at XXXX and spoke with Lea and she stated there was no outstanding debt. I than called XXXX XXXX XXXX XXXX and ask for the paperwork be emailed to me and the lady I talked to stated she would email it, what they emailed was a bill .. So I called back and spoke to XXXX and he stated they couldnt resend it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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.

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 2022-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Hi, I would like to reference complaint number XXXX. According to FCRA if an account is written or charged off it can not show a past balance. Capital One is in direct violation of the FCRA rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: NC
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2023-09-06
Company: Experian Information Solutions Inc.
State: CA
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:
I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act 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 2023-07-25
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX added a loan for a car that I did not have. It was purchased in XXXX and charged off in XXXX. I contacted them several times. Turned down money they tried sending to me. Today they added it as new debt to my Experian Credit Report. It was on XXXX than removed now it is on Experian. This just will not stop.

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 2023-08-11
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:
This is my THIRD request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I just received an alert on my XXXX  credit report that shows I am 30 days past due on my td credit card. My score dropped 100 points and this is the first negative item on my credit card history. I havent used or had physical access to this credit card in years and any resulting activity or usage has went without my oversight. Please remedy this as soon as possible as this is purely an oversight due to my understanding that this card hasnt been used for several years. Please accept my apology and issue me this one time courteousy so I wont be held hostage by this one time issue in my long history of outstanding payments and usage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-04
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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2018-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 am a XXXX and have clients in XXXX that I've sold many XXXX to and am in a XXXX  XXXX position in terms of getting XXXX, XXXX and getting the XXXX to XXXX XXXX conditions. 
I hired XXXX XXXX XXXX to clean a vacant 1100 square foot condo that tenants left in very poor condition. A cleaning person that normally cleans occupied homes would not be able to handle the task. The vendor quoted me $ XXXX/hr for 2 people to clean. I agreed knowing that the price would be higher than average. I estimated 2 days cleaning of kitchen, 2 bathrooms and laundry room. 
XXXX XXXX XXXX said he wanted a credit card and I told him that I would pay him at the end of the job as I do with all my tradesmen. He insisted that he keep a card " on file ''. Since I've hired him before and he was cleaning for my good friend then, unfortunately I trusted him. However, in my mind he was keeping the card on file as a security deposit as a hotel, or car rental company does, in the event he doesn't get paid. 
I was leaving for vacation so I agreed to it. 
XXXX XXXX XXXX also informed me that he does " handyman '' work so while he's there he can address some of the items, to which I agreed since he would already be on the property. He told me $ XXXX/hr for 2 men. Again I trusted him. 
I didn't have an alert option on my card at the time and wasn't aware that he was placing enormous charges on my credit card without my knowledge and without consulting me while I was out of town. 
So the bottom line is that he placed {$4800.00} on my card. I cancelled the card when I discovered this. After much back and forth with MasterCard ( Capital One ) taking the charges off and putting them back on they sided with him. I gave them over 20 pages of documentation including other similar vendors estimates for the work and they only went with him providing the bank a copy of my text to him that the owner has agreed to the {$75.00} and {$65.00} per hour. He sent me a computer printout only ( not an itemized invoice ) that totaled 97 hours. 
I have hired an attorney to deal with him however as of this writing nothing has been resolved with the charges just back and forth letter communication. 
Florida Attorney Generals Office who also received a complaint from me suggested I also get in touch with you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: FL
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:
I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation