BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-07
Company: EQUIFAX, INC.
State: LA
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:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Back in XXXX I pruchased a product from XXXX XXXX XXXX ( appliance ). It was a defective product which they refused to correct so I sued them in Small claims court and won judgement in XXXX. Part of the courts ruling was that I was not liable or responsible for the remainder of balance. Although the terms of contract became null and void, XXXX 's showed it as a charge off on my credit. This was back in XXXX and Experian keeps showing negative on my credit report even though I have disputed this negative report. Because of this XXXX XXXX has lowered my credit limit.

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 2018-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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 XX/XX/2018, a purchase was made with an out of state address. I notified the company within the hour of the purchase. They refused to cancel the order and refused to file fraud. The order number is Order # XXXX. The supervisor I spoke with is XXXX XXXX ( employee number XXXX ). The purchase amount is {$230.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
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:
THE ACCOUNTS LISTED DO NOT NOT BELONGS TO ME SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME WITHOUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I paid off the loan in XX/XX/2020 but they are rude and not responding back to me and they didnt process my payment twice over course of 72 month auto loan they put payment to different account and slammed me with XXXX in late fees and XXXX in interest on late fees I have over paid them by XXXX dollars and they have ruin my credit by reporting at end loan 90 days past due and I have pay now clean my credit up 130 month costing me they refuse send me title and I paid them XXXX for XXXX auto loan and they keep giving different figures and have been discrimatory to me over phone as XXXX veteran, my credit has dropped over 130 points because of navy federal credit union

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
This complaint is regarding a claim made under the " Damage & Theft Purchase Protection '' benefit included with the co-branded credit card " Costco Anywhere Visa Card by Citi. '' The Citi Card Benefits Request case number assigned by Citi to my claim is XXXX. 

This claim is regarding a portable air conditioning unit that appears to have an internal leak or damaged seal near the top of the unit. I assert that this damage is due to shipping damage : the manufacturer 's box, in which the shipped unit was delivered, was quite beaten up. There are numerous mentions on XXXX 's product pages stating that this manufacturer 's packaging often resulted in shipping damage of varying severity. 

However, Citi 's contracted benefits administrator, XXXX  XXXX XXXX, stated in their claim denial letter that the deemed the issue to result from an " inherent product defect, '' which is not covered. 

I have read the terms and conditions which state that damage because of a product defect are not covered. However, Citi is stretching the definition of a " product defect '' to justify denial of claims without evidence, beyond a reasonable person 's understanding of the term " product defect. '' Citi provides no justification for why this is a product defect, except maybe that the issue showed up shortly after purchase. By this logic, the Damage & Theft Purchase Protection is useless for any item that is shipped/delivered, and which may sustain damage during shipping, since Citi may well claim that the product was defective prior to shipping. 

Alternatively, if Citi does want to offer a " Damage & Theft Purchase Protection '' benefit that is so limited in coverage, then Citi should clearly list that shipping damage is excluded in the terms and conditions. 

As it stands, Citi is giving the impression that the benefit provides more coverage than it actually does, while unreasonably denying claims by stretching its interpretation of the wording in the terms and conditions.

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 2023-04-12
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:
In accordance with the Fair Credit Reporting Act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX Inquiries : 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
CFPB XXXX I XXXX XXXX XXXX state this letter is a second request based on empirical evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. Scott v. The United States, 328 F.3d 132, 139 ( 4th Cir. 2003 ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful  search ; a detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. XXXX ( XXXX XXXX. XXXX ). The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA.

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 2020-04-02
Company: State Finance Company
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2020, an agent from Broadway fiance called me, and informed me, that if i just made one payment it would bring my account up date. As of today XX/XX/XXXX, it still sHows i am 90 days paat due, no money has been applied to the account. 
The agent told me false and misleading practices. I spoke with an agent today, name XXXX, that told me, yes you paid on it, but its still past due, and we are going to report ur payment but we just havent done it yet. 

I asked him why was i told diffent, on XX/XX/XXXX, he said they didn't mean it that way. 
I did inform XXXX  i am reporting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
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:
Equifax and XXXX  are reporting incorrectly that I am ( 60 )  days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Nexis Lexis is in violation of the Fair Credit Reporting Act ( FCRA ). I contacted Lexis Nexis to obtain a copy of my credit report. I tried obtaining this report on line, however, unlike the corporations who the company serves, deliberately, willfully and negligently is preventing me from obtaining a copy of the report. This is the second attempt of my trying to obtain this report. As a result I lost the opportunity of getting a job that would have paid me over 100,000 dollars per year. I have already sustained severe financial damages as a result of not being able to obtain this report. Nexis Lexis has a double standard, one for the consumer and one for it's clients, in which Nexis Lexis bars the consumer from being able to obtain a copy of the report by deliberately putting in road blocks. Today we tried to get the copy of the report, having waited weeks to hear from Nexus Lexis. We were given a website and the pin number for the second time. This time what happened was the pin number once again does not work. When you call the number, the provide, a computer voice comes on and says that there is no one available to speak with and refers back to a revolving door to nowhere website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
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:
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 deleted 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: EQUIFAX, 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:
this account belong to someone else it was removed from my credit before and it appeared back on it please have this account removed from my credit and not put back on it because it's causing me a great deal of stress. 

XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$1000.00} Balance Updated - Credit Limit - Past Due Amount {$1000.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Ownership Individual Original Creditor XXXX XXXX. 
Company Sold-to - Original Amount {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I I was using PayPal. to purchase an app on the XXXX XXXX XXXX, and then they suddenly restricted my accounts, preventing me from withdrawing or sending money. They request my valid ID, bank statement, and business information, which I am unable to supply. I seek their assistance, and they advise me to compose a letter stating why I am unable to provide documents, which I have done and submitted. Then, on XX/XX/2021, they permanently restricted my account, and I am unable to communicate with them. It is affecting me a great deal as i used Paypal quite frequently, My email link to my Paypal account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reinvestigated my credit reports, I realized that the same accounts were erroneous. The 3 credit bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reported accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$84000.00}

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 2020-05-24
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: Their investigation did not fix an error on your report

Complaint:
CFPB XXXX I XXXX XXXX XXXX state this letter is a second request based on empirical evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. Scott v. The United States, 328 F.3d 132, 139 ( 4th Cir. 2003 ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful  search ; a detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. XXXX ( XXXX XXXX. XXXX ). The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have disputed these debts with XXXX, XXXX and XXXX XXXX without success in XXXX, XXXX The following collection : Cavalry Portfolio Services ( XXXX ) {$5800.00} Some of the answers that I received were that the collection had an update, again it said that it was verified but I do not agree with the answer since they are not my collections

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: LCS FINANCIAL SERVICES CORPORATION
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My name is XXXX XXXX XXXX. InXX/XX/2007 I became late on a second mortgage that was through XXXX XXXX XXXX. The debt was subsequently sold a number of times including to XXXX and now LCS.  The debt was satisfied as part of a Home Affordable Refinance by the government prior to ever hearing of LCS and the debt is no longer owed and should never have been sold.

LCS continues to call me although I have requested that they stop. They continue to ask me to call XXXX or XXXX. I have called and requested that they stop contacting me about this debt, which is no longer valid. I called today and the person on the phone hung up the phone on me. 

To top this off this company has TWICE pulled my credit report with a hard inquiry when they have not been given permission to do such. They pulled my report in XXXX and again today on XX/XX/XXXX. At no time have I given permission to do this, and I DO NOT have a business relationship with this company. 

Perhaps there is confusion bc my mortgage was with XXXX, who is out of business. XXXX XXXX XXXX  is also out of business. 

I have no legal relationship with this company, do not owe the debt in question, and want them to cease contact of me in any way, as well as to immediately stop unauthorized pulls of my credit report. 

I do not have an account number for them but my social is XXXX. 

LCS ' address is listed as : XXXX XXXX XXXX # XXXX XXXX CO XXXX It has been a decade since this account became late and it is not even lawful to have them continuing to harass me via phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Westlake Services, LLC
State: OH
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL BEING REPORTED TO MY CREDIT REPORT WITHOUT WRITTEN CONSENT, SPOKE with XXXX from XXXX, was unable to help stop these reports. According to 15 USC 16816 this is considered identity theft, and Id like for them all to be removed immediately..

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 2018-03-07
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There was an account open under my name the year of 2016 that i never authorized. The amount of this account {$3800.00}. I have disputed this item with the credit bureaur and they stated this item was paid by me threw my bank accounts. This account is not mines I have contact my bank to see if I could get additional documents from these payments that was made to my account do to the time frame witch citi bank requested from me, and my bank stated they are not able to reach back for them transactions witch citi bank is requesting. there holding me liable for this fraudulent account its not fair.

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