BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-01
Company: CITIBANK, N.A.
State: UT
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:
Dear officer ; I hold a Home Depot Credit Card issued by CITI Credit Cards. 
On XX/XX/2020, I fax a letter disputing a charge to my credit card. I have since requested in writing and on the phone a copy of the purchase voucher/receipt which initiated this charge. Nevertheless, Citi bank 's fraud department has not been able to produce a receipt or ANY other document that will prove that indeed I am responsible for such purchase/transaction. 
In addition, My local Home depot store manager has NO record of this transaction taken place and they are more incline to a system error in their part and advised me to call the Credit card services. 
I have called and faxed them my request in writing ( as they insisted ) and on the phone for HOURS since all this started without ANY result to my request : " Show me a copy of the store receipt or any other document where my signature and credit card was used to support such purchase transaction ''. still no answer to my request. Nevertheless, they insist in the charge and threaten with ruin my perfect credit and name.

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 2020-11-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX I sent a letter out to the credit bureaus. I called to get a status on XXXX I was told that no letters were received. I sent another letter on XXXX and I havent received a response. We are approaching 90 days and I feel that Im being toyed with and one is taking me seriously and I feel Im being taken advacntegw of. In Section 611 in the FCRA states that failure to investigate the items in 30 days gives reason to immediately remove the items from my credit report. It has been over 60 days so the items should be deleted promptly. I demand that these items are removed immediately or I will file litigation do to the stress you have caused. I have been impacted by The Equifax breach and my info may have been tampered with and used by an unknown person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: NC
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:
I sent a letter regarding inaccurate & unknown things on my credit report. I am being taken advantage of and ignored for my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: MI
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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: EQUIFAX, INC.
State: NC
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:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted the credit reporting agencies numerous times over the past year to have them dispute these credit inquiries from my credit report. Each time I have called and asked to have them to dispute the inquiries they have informed me to call the creditor directly to have them to correct the error. How can I contact the person listed on my credit without all the information needed to dispute it directly with the person that put it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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 NUMEROUS 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 accounts 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 accounts : 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 2023-07-14
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:
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 XXXX XXXX Account Number : XXXX  has violated my rights. Or list of inquiries 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 2019-02-01
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
I found out XX/XX/XXXX that multiple accounts which belong to me from my creditor XXXX were not showing on my XXXX  or Equifax report. I reached out multiple times submitted all requested documents to both companies but they fail to put it back on my report. This has caused me to be declined by creditors due to missing information. I Spoke to XXXX who showed proof they were reporting accurately but Equifax and XXXX  refuses to update my file as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 checked my credit report there are accounts under a Bankruptcy that I have never filed. I sent a letter asking XXXX, Transunion, and XXXX to provide a method of verification for these accounts. The letter came back that the courthouse provided them with information, I contacted the courthouse and the courthouse sent verification to me providing the information is inaccurate and false. I sent the letter to XXXX, Transunion, and XXXX showing the information they have is false and not true, they provide no information to any credit bureau. According to the FCRA its against consumer rights to report false, inaccurate, and incorrect on someone's credit report. This information is inaccurate and needs to be deleted and removed.

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 2023-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello, I have completed the dispute process multiple time, I spoke with a representative on XX/XX/23 and was advised that the account would be removed. It has not and now I am no longer able to complete a dispute.

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 2021-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I filed a dispute with Bank of America for a transfer via XXXX  one in the amount of XXXX and one in the amount of XXXX. I thought I was buying a kitten and it turned out to be a scam. The money was transferred from my bank off America credit to my checking account and then via XXXX. The scammers had multiple websites sending airport way bills and airplane schedule for the cat delivery as well as the actual website. additionally, the fraudsters name popped right up in XXXX before I had finished typing it in so they obviously use it and XXXX is not stopping the fraud. I discovered it was a scam and immediately contacted both Bank of America and XXXX. Neither asked for ANY of the documentation. I have 20 emails. Numerous text messages and phone calls but the bank did not look at any of and sent a letter denying the claim. It is my understanding they are required by regulation e to do the research into the claim. They asked only for one of the websites. They were uninterested in any of the emails, text messages, phone calls or the other sites. Additionally, Bank of America continue to promote using XXXX, which they partly own and obviously profit from, while not having XXXX  control, warn or delete known fraudsters and neither company claims any responsibility over the transactions they are making money on. I discovered through research that the fraudster is listed at fraud sites and XXXXbank of America should have known snd removed the fraudsters ability to use their system. They have responsibility if they are going to push this service to be sure they are controlling fraud. 
Thus happened on 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 2021-11-01
Company: CITIBANK, N.A.
State: IL
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 ordered a hot tub cover on XX/XX/XXXX with a promised delivery date of 10-25 days. On XX/XX/XXXX, I was notified that the item has shipped ( 57 days later ) The item arrived damaged and was never accepted or taken off of the delivery truck, as per the instructions of their seller in their email of XXXX, " Although shipping damage rarely happens please take a minute to inspect the cover when the carrier company deliivers and refuse delivery in the event damage is found. '' Despite not accepting delivery for the damaged item, the seller charged my Citi Card credit card, and a dispute was initiated with Citi on XX/XX/XXXX. 

Citi Card 's response was to ask me to return the merchandise and request a credit. THE MERCHANDISE WAS NOT RECEIVED/ACCEPTED, which was made painfully clear to Citi. I demanded that Citi reverse the charge or else provide me with documentation that the merchandise was delivered/accepted. 

Their response dated XX/XX/XXXX stated, " We have reviewed the information you provided regarding your dispute. We no longer have any available means to assist you in this matter since the time frame in which to resolve a dispute has passed ''. 

Citi then proceeded to report the balance as delinquent to credit rating agencies, despite never following up to see that the merchandise was not received.

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 2019-10-28
Company: Certegy Holdings, LLC
State: OH
Product: Credit reporting, credit repair services, 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:
On XX/XX/2019, I tried to cash a check at XXXX. It was a Social Security Check in the amount of {$1100.00}. The check was denied and I was given a paper to contact Certegy. I sent for the report Certegy had on me and there was no reason give for the denial of the check. Under the Outstanding Items section of the report it said. No information on file. Under the Consumer Report Data Exchange, it stated : Information maintained in Certegy 's files from the Outstanding Items or Resolved Items section of this report may have been reported to XXXX XXXX XXXX  Since there was no reason given I called Certegy and spoke with a person by the name of XXXX and she could not provide with a reason. 
On XX/XX/2019, I tried to cash another Social Security Check in the amount of {$410.00} and again was denied and given another paper to call Certegy. 
How can I continually be denied by this company for no apparent reason, since they are not able to provide me a reason for being denied?

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 2019-10-28
Company: CITIBANK, N.A.
State: DC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Store credit card : Macy 's. I was late making a payment of {$1600.00} to may my Macy 's card account. Macy 's rightfully charged an interest fee of {$18.00}. That payment arrived a few days late, but I was not aware that it was late. Macy 's charged another {$18.00} late fee. I can understand that. However, I have been regularly logging into my Macy 's account to ensure that no payments are due, and each time my online account reports " Statement Balance : {$0.00} '' and " Statement Past Due Amount : {$0.00} '' This made sense to me since I had not used the card since the last payment in XX/XX/XXXX. When I called the Macy 's Customer Service number ( XXXX ), I was told that, once your account goes delinquent, information in your online account is restricted, and the balance due is no longer reported. Had I called the customer service number and requested that balance, then the balance due would have been accurately reported. Had Macy 's simply stated that balance is unavailable online, I would have known to call. To state that current and past due balances are {$0.00} is factually untrue and misleading. This matter has gone way out of hand due to the lack of candor Macy 's demonstrated in the reporting of my account. I believe this to be an action in bad faith on the part of Macy 's. In 2019, it is more common to go online for account information than it is to make a telephone inquiry. Macy 's set a trap for its loyal patrons by tricking them into believing their accounts are current. Today I made a payment in full for the {$99.00} Macy 's states is past due. I also added an additional late fee ( in good faith on my part ) of {$18.00}. I ask that you challenge Macy 's on this unfair business practice.

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 2023-07-14
Company: EQUIFAX, INC.
State: AR
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-11-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I recently contacted Carrington Mortgage and put you on my account so you can get whatever information is needed. 

Last year I was able to modify my mortgage after contacting you. I made my XXXX trial payments as required. I heard nothing back from the mortgage company. I made several contact attempts and was told I will be getting something in the mail. I never did. Over this past summer I received paperwork to send in information again that I previously submitted to get the modification. Then a notice saying reinstatement, Currently my loan is in foreclosure with the court and I am waiting for a date for mediation. 

When I spoke to a person at the mortgage company and had you put on my loan, He went through my account notes per my request and seemed confused. He believes something happened with my modification payments and that is why they asked for the information again, that I had already submitted months earlier.. I told him that I had not received any notice or prior information about this. I had also received no information on my calls other than something should come in the mail. I now have to wait for more papers to try for a modification again.I can provide proof of the XXXX payments if needed, I just need to contact my bank. I wanted to file this asap. 

He doesn't know if the payments or terms will be the same as they may be higher because of the reapplication..My loan may be a XXXX loan instead of conventional loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: VA
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 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.

has violated my rights. Or list of inquiries 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