BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting 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:
XXXX XXXX -inquiry unauthorized on XX/XX/XXXX, XXXX did not respond XXXX XXXX XXXX XXXXXXXX XXXXinquiry unauthorized/unknown- XX/XX/XXXX, XXXXdid not respond XXXX & XXXX XXXX XXXX unauthorized/unknown inquiry- XX/XX/XXXX XXXX XXXX-did not respond XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX company unreachable to remove XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX unauthorized/unknown inquiry- did not respond XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXunauthorized inquiry- did not respond XXXXXXXX XXXX XXXX-XXXX XXXX, XXXX unauthorized/unknown inquiry-did not remove inquiry XXXX XXXX XXXX  XX/XX/XXXX, XXXX-unauthorized inquiry- did not remove XXXX XXXXXXXX XXXX XXXXXXXX unauthorized/unknown inquiry-did not remove XXXX XXXX XXXX XXXXXXXXt XXXX, XXXXunauthorized/unknown inquiry-did not remove XXXX XXXX XXXX XXXXXXXX unauthorized inquiry- did not remove XXXX XXXX XXXXXX/XX/XXXX, XXXX unauthorized inquiry- did not remove XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX unauthorized/unknown inquiry- did not remove XXXX XXXX XXXX XXXX XXXX, XXXX unauthorized inquiry-did not remove XXXX XXXX XXXX- XX/XX/XXXX, XXXX XXXX inquiry- did not remove XXXX XXXX XXXX XXXX XXXX XXXX, XXXX unauthorized inquiry-did not remove XXXX XXXX XXXX XXXX XXXX XXXX, XXXXunauthorized inquiry-did not remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent letters to all three credit bureaus and collection agencies reporting incorrect or invalid personal information.

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 2023-06-17
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
please fix data to show that my account is in good standing and that i made the payment in XXXX XXXX this is American Express for department In accordance with the fair credit reporting act XXXX  Account XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to Privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 Use 1666B : A creditor may not treat a payment on a credit card account unlearn open end consumer credit plan as late for and purpose. Please fix to show no late payments since and present my account in good standing and valuable customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a credit card with XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30-day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX reported me 30 days late in XXXX of XXXX  for Equifax and XX/XX/XXXX  for XXXX and XXXX. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12
Company: Kriya Capital, LLC
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I can show phone records that show this company has called me every day, with the exception of Sundays, for the past 6 months or maybe longer. The debt they state I owe is with T-Mobile. I have already settled any debt I have with XXXX. I told them since I do not believe I owe the debt I will wait, and if it is legitimate, I will pay it once it shows up on my credit report. I also called XXXX. Nothing has shown up on my report. I believe I paid this debt and this company bought the debt and now keeps hassling me. I have asked to be taken off of this list many times. I still get phone calls and the people are so rude for no reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
When living in XXXX XXXX XXXX  XXXX  XXXX at XXXX XXXX back in XXXX I had a balance owed of {$270.00}. This amount was paid in full as of XX/XX/XXXX, I was provided a proof of payment letter and submitted to all three credit bureaus. Unfortunately the only credit bureau that removed it was XXXX XXXX. Can you PLEASE assist me with helping dispute this item on my credit with XXXX and Experian. They should have deleted this item Just like XXXX but they are giving me an extremely hard time- My credit along with finding a place to stay is suffering from this.. That you so much.. Info you may need pertaining to bill ; XXXX XXXX a XXXX XXXX XXXX Agency name paid in full to : XXXX XXXX Sub # 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
Consumer complaint received 2023-04-16
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
AS OF XX/XX/XXXX I HAVE NOTICE FRAUD ACCOUNT Balance details-XXXX % -paid off Balance- {$0.00} Balance updated-XXXX XXXX XXXX  Original balance- {$120.00} Account XXXX XXXX XXXX  Account number-XXXX Open/closed-Closed Date opened-XXXX XXXX XXXX  Account type-Installment Status-not more than four payments past due Status updated-XXXX XXXX Past due amount -- - Original balance- XXXX XXXX  Monthly payment -- Contact info Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX Phone number-XXXX ) XXXX INCOMPLETE ACCOUNT # IS GROUND FOR REMOVAL AND DELETION OF THIS ACCOUNT 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.

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 2015-06-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I believe the company to be a scam, and trying to get money out of me. Contacted me on a " XXXX year old debt '' that I 've never heard of until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: EQUIFAX, INC.
State: NJ
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 review a current copy of my credit report and show inaccurate information listed on my report. creditor XXXX/XXXX is showing a charge off account with conflicting last payment dates on my credit report throughout credit bureaus. I requested to have account verified and I have not received any information back per my dispute. I am now being directly violated and have issues with credit reporting and I'm in distress. Listed below is creditor information and inaccurate last payment dates Creditor : XXXX Account number : XXXX Last payment dates listed between credit bureaus : XX/XX/2018, XX/XX/2018, XX/XX/2018. I have requested verification and have not received any dispute results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: CITIBANK, N.A.
State: AR
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:
On XX/XX/XXXX I responded to an online ad for skin cream by XXXX. I purchased a trail size skin cream and a trial size eye cream for {$5.00} and {$4.00} respectively. I paid with my Citi credit card. On XX/XX/XXXX I saw two charges for {$89.00} and {$87.00} on my card. I reported the fraud to Citi and they came back saying I had agreed to an ongoing subscription and therefore it was my fault. The two websites listed on the credit card statement clearly showed that purchases were a subscription and outlined how much would be charged, however, I never went to either of those websites. I went to one website through an ad on XXXX and purchased both at the same site. There was no mention of subscriptions on that site. I read the terms carefully. It was supposed to be the on- time purchase of a trail size product.I have an email confirmation of shipping from XXXX. 
I initially made a fraud complaint against the vendor for charging my Citi card with merchandise I didn't order. ( FTC complaint # XXXX ). I notified Citibank by phone and they said I had agreed to a subscription, which was false. The websites noted on the charges on my statement clearly show the subscription amount, but the website I ordered from had no such disclaimer. I sent all this information by mail to Citi bank with a request that they reverse the charges. In addition to not ordering the items, I never received any. I received my return receipt through the mail on XX/XX/2021 and Citi has failed to respond. They are complicit in this fraudulent activity. FTC Complaint # 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 2023-09-07
Company: EQUIFAX, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-17
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/07, I contacted Truist Bank to let them know I lost my card at gas station ( XXXX ) over the weekend. The claim was not submitted correctly and all of my transactions were not submitted. 


Claim # 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 monetary relief
Consumer complaint received 2023-04-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company reporting to my credit is ARS Account Resolutions. They are reporting three different amounts so therefore they are listed on all three of my credit reports three different times. I have tried to get the company to send me proof of the contract and debt. They have not done so. Im hoping by filing this complaint they will verify the debt or remove it from my credit reports. Im would like to buy a home a home for my family and I soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
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 fair Credit Reporting act XXXX accounts has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.

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 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 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 2021-05-12
Company: Financial Management Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
FMS Financial Solutions keeps running my credit without permissible purpose. The company keeps pulling my credit without my permission. This has been happening since XXXX. The most recent inquiry took place 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
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: FL
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:
These are unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I went to Wells Fargo to open an account I was told I needed my updated license to open the account. I left and decided to wait until I was able to get my new license in the mail to come back, an open an account. 5 days later I received information in the mail saying I opened up a new account and that was not correct. Yes I had everything when I went there besides an updated license my license was expired. We did go through everything but was told I would have to come back once I get my license renewed. As you can tell I never used the account because i never opened one. The fraudulent account is the worst you can do to someone without their consent.

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 2018-07-26
Company: EQUIFAX, INC.
State: IN
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:
XXXX... I was approached, while at XXXX XX/XX/17 and was given their spiel on their services and I said I might be interested. He asked for my address and name. He said to check if XXXX was available in my area. Recently, I downloaded XXXX XXXX and released that XXXX did a hard inquiry on my credit. He never mentioned anything about running my credit. I filed a " notmycreditinquiry '' per XXXX 's advise. After reading a XXXX ton of complaints regarding this matter with no resolution, I am hoping your services will help. We are putting our house up on the market and will need to purchase another home and at this time I have " fair '' credit and want to eliminate any bad karma off my credit record on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Westlake Services, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company completely did not get in contact with me after receiving the payment in full on an owed account. 
They had already sold my vehicle to a tow company that was completely out of the area and was already done and had no intention on returning They have been distributed and they have close the account does that is not mine and it is not report it on my Credit accounts.

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 2023-04-16
Company: Experian Information Solutions Inc.
State: FL
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:
After reviewing my credit report I have noticed that my personal data has been compromised and these companies listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never received or requested any services from these companies

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 2023-10-19
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please be advised that I have sent in different occasions to RESURGENT CAPITAL SERVICES, LP, a request to validate account # XXXX and show me proof of ownership. They have failed all this time to send the required documentation to prove that this account is mine. As per the DFCPA, RESURGENT CAPITAL SERVICES, LP must prove that this acct is mine showing any existing contract or application signed by me with my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
MY PROBLEM IS WITH CITIBANK OF XXXX XXXX, TEXAS. I OPENED AN ATM/CHECKING ACCOUNT THAT I BELIEVED WAS A NON MONTHLYFEE ACCOUNT. 

I DEPOSITED ABOUT {$200.00} AND DID MAKE A FEW CHARGES FROM XXXX. HOWEVER, I DID HAVE A POSITIVE BALANCE. UNTIL I LEARNED TODAY, XX/XX/2019. AFTER SO MANY UNWANTED PHONE CALLS. OFTEN WHEN I PICK UP THE PHONE, I WOULD GET A COMPUTER SYSTEM THAT WOULD DISCONNECT OR HANGUP ON ME. 

AT THIS POINT, ALL I WANT IS NOT TO HAVE ANY COMMUNICATIONS WITH CITIBANK AND FOR THEM TO STOP CHARGING ME FEES EACH. TERMINATE ALL SERVICE OR CONTACT WITH THEM PERIOD.

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 2021-07-06
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 disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Certegy Holdings, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
During the week of XX/XX/2019 I wrote a business check on XXXX XXXX to XXXX 's and it was declined by Certegy without a specific reason. My bank even wrote a letter to guaranty the payment of the check and it was still declined. Do not understand the reason for not accepting my check since my business has operated successfully for many years in the area and funds in the account were more than sufficient to cover the check. The bank is a relatively new bank in the community and they were unsuccessful in getting any information about why my check was declined. I have been unsuccessful in getting any information from XXXX concerning why my check was declined. XXXX 's was not helpful in the matter and said the decision was made by Certegy and they are required to follow their decision.

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