BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-30
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$0.00}, {$4200.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 


-- REAL ESTATE LOAN 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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
Consumer complaint received 2020-05-30
Company: Experian Information Solutions 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:
AS A CONSUMER, I NEED TO UNDERSTAND PLEASE WHY IS NOBODY LISTING TO MY COMPLAINS. THE CLOSED XXXX  XXXX XXXX ACCOUNT. THIS ACCOUNT WAS OPENED, MAINTAINED AND CLOSED BY SOMEONE ELSE WHOM I DON'T RECOGNIZE. I HAVE NOT AUTHORIZED THIS ACCOUNT TO BE OPENED, MAINTAINED. SOMEONE STOLE MY INFORMATION, AND OPENED THE FRAUDULENT 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
Consumer complaint received 2020-05-30
Company: EQUIFAX, INC.
State: GA
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:
I was informed by my bank lender that I was not approved for a home equity loan because of items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 2020-05-30
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE NEGATIVE ACCOUNTS AND INQUIRY GOT ON MY CREDIT FILE. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. ALMOST EVERYTHING IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS AND INQUIRY DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

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 2023-01-09
Company: EQUIFAX, INC.
State: MD
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  Account name : XXXX XXXX XXXX XXXX  Account name XXXX XXXX XXXX, Account name XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE NEGATIVE ACCOUNTS AND INQUIRY GOT ON MY CREDIT FILE. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. ALMOST EVERYTHING IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS AND INQUIRY DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

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 2020-05-29
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:
On XXXX XXXX I charged a cruise from XXXX  XXXX with their XXXX agent XXXX for {$8600.00} to my Citi XXXX card. We took the cruise in XXXX, however the cruise was not as described on the purchase contract. The itinerary specified was not possible as the boat provided was not capable of traveling the distances required in the time required, resulting in us missing photography of the rare bird of paradise, which was the purpose of this trip. The food was not as described, it was poor, myself and my husband both had food poisoning from the ship food - resulting in us unable to participate in scheduled activities for 2 days each. It was not just us, half of the 10 passengers also had food poisoning - this was a remote area, there is no other food, except food provided by the boat. I brought up both of these problems with the company while we were there and there response was sometimes this happens. That is not acceptable, we paid a large amount of money for a once in a lifetime trip and miss the point of trip because of their poor planning and spend 2 days sick in a small cabin. I disputed {$2500.00} of the trip for the days we missed that were the travel providers fault. Citibank immediately denied the claim stating " we determined that we are unable to assist you because you received the services for which you contracted. Any further attempts to resolve this dispute will need to be directed toward the merchant. '' I replied to citibank and alerted them to the cardmember agreement " If you are DISSATIFIED with the goods or SERVICES that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay '' I have received no further response. I have not received the services I paid for, I expect citibank to protect me as specified in the cardmember agreement. This is particularly disturbing since I am a XXXX client and the card I used, Citi XXXX, has a very high annual fee of $ XXXX. I am paying for Citi to support me when I need it, I dont think I have ever disputed a purchase before, and the one time I need their help they don't even follow the rules of the cardmember agreement.

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 2018-05-04
Company: EQUIFAX, INC.
State: DC
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:
I sent in a request to Equifax asking them to delete a medical collection debt because I never had any knowledge of this account and any medical services that are rendered to me I sign a HIPAA of 1996 notice which does not allow any release of any medical information or medical account information. This form states that my medical information or medical account information should only be discussed with the person that I have given access. I have never given XXXX access to my medical information or medical account information. Equifax is in direct violation of this federal law and I am requesting the debt to be deleted immediately from my credit file. XXXX did not get any permission from me to access any medical information or medical account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I boarded my pet at XXXX XXXX XXXX Hospital in XX/XX/XXXX. We received a call while on vacation saying that our dog needed treatment. We specially declined treatment due to the financial cost ( currently unemployed ). Our contract also states that we would deny treatment. Treatment was administered, upon returning to pick up my pet. I paid for the charge in full. I then disputed the portion of the treatment that was not authorized. One week later our case gets sent to Capital Accounts, a collection agency. I provide them with a copy of the receipt showing the amount paid in full. The remaining disputed portion is between XXXX XXXX  and XXXX XXXX I received a {$0.00} balance from capital account and now I get a call every two days from a different person trying to collect on the disputed debt amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft and identity fraud. After viewing my credit report, I recognized the inquiries on my report that I did not authorize. 

Creditor : XXXX Inquiry date : XX/XX/XXXX Inquiry date : 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 non-monetary relief
Consumer complaint received 2020-05-29
Company: TD BANK US HOLDING COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On XX/XX/XXXX, I changed my XXXX payment process to auto-pay, and sucessfully paid the due amount of {$130.00}. Since XX/XX/XXXX, I was certain the auto had been set-up correctly. I never received any notice of an overdue payment, until XXXX reported a 30 day late to the credit bureau in XX/XX/2020. I never received any emails, phone calls or a letter/bill in the mail stating a previous months payment had not been received. I was never informed of any outstanding amount overdue from a previous month. My payment record with XXXX was excellent, and I would have made a manual payment sooner if XXXX would have contacted me. On XX/XX/XXXX, when I discovered the issue while looking at my credit as I prepared for my house purchase, I made an immediate manual payment of the total amount due for that month and the upcoming month totalling {$180.00}. When I tried to explain that I had no knowledge that I was behind on a payment, and that the auto-pay had been sucessful, XXXX did not want to hear it, and said it was all my fault. I was in disbelief and continued to contact XXXX in an effort to provide clear proof that there was no effort from XXXX to bring this to my attention, All my efforts were dismissed. On XX/XX/XXXX, I paid off the account in total for {$950.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Experian Information Solutions Inc.
State: GA
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:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX RESIDENT VERIFY XXXX XXXX XXXX XXXX XXXX XXXX CARD

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 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX RESIDENT VERIFY XXXX XXXX XXXX XXXX XXXX XXXX CARD

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 2019-08-09
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
LVNV funding is continuing to respond with every complaint with a credit card statement from the original creditor. 

This company is continuing to report to the credit bureaus as a factoring company, however a factoring company purchases debts that are in good standing and holds them while collecting payments. This company is not my original creditor and therefore does not have the right to report as a factoring company on my report. Also please send me the customer agreement that contains the arbitration clause by the credit card company that this debt was purchased from. This company is not immune from the arbitration agreement and I will be bringing this matter to arbitration via XXXX  in which this collection company would have to pay all my fees and other fees associated with the arbitration. I need you to produce the arbitration agreement clause with my name on it from the original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Date : XX/XX/2019 Issue : Experian - Customer Services, no live person to discuss a freeze dispute. Need help to resolve a security freeze ; I dont want to remove it but the freeze is not working. Experian does not have a number to resolve this. The website for customer services -- the page is not found. Companies are able to review my credit even though I have a credit freeze.

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 2023-05-12
Company: DISCOVER BANK
State: NY
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:
I called the company on XXXX at the request of my bank and requested a 10 day pay off letter. They refused to provide me with this. Stated that I could just send them the amount due on my next billing statement. I explained that I was having the bank issue a check to pay the balance and did not want to accrue any further interest. They continued to refuse to provide me with the payoff letter. My bank issued a check to the company in the amount on the statement. The tracking number provided shows the company received the payment on XXXX. The payment has not yet been posted to my account which has now accrued an additional {$100.00} in interest charges. I called the company and they advised me that they are not required to post the payment to my account until the XXXX, regardless of the fact that they have the payment. Therefore allowing them to continue to accrue interest charges. I do not feel that I should be responsible for any interest that has accrued beyond the amount that the check was written for considering they refused a 10 day payoff letter and are now refusing to post the payment to my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-28
Company: Experian Information Solutions Inc.
State: AR
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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent 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 2018-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Kohls has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
first collection resources is attempting to collect alleged debts owed on behalf of XXXX XXXX. XXXX XXXX has informed me that a third party was used to gather my personal information. no transactions between me and XXXX XXXX ever occurred. no transactions between me and first collections ever occurred.no transactions from me and XXXX XXXX  ever occurred. The policy was written by XXXX XXXX, underwrritten by XXXX XXXX XXXX. By XXXX XXXX own admission they used a third party ( XXXX XXXX  ) to collect my information and now is using a fourth party ( first collections ) to attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 I notified Citibank that an EFT from XXXX XXXXXXXX that was not authorized was being taken from my account. Citibank promised me provisional credit while they investigate the matter further with XXXX. I have yet to get the credit and so I have asked Citibank to put a hold on my account and I transferred my funds to another account to protect them since Citibank will not. I have been a member of Citibank for over 20 years and I do not understand why I am having issues like this. I am hoping that this issue gets cleared up sooner than later and once done I need a new account number to stop this from happening again in the future.

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