BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-21
Company: EQUIFAX, INC.
State: AL
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:
n accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: EQUIFAX, INC.
State: DE
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 Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 an account without my written instructions. 

XXXX  # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX  Collection # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX  Collection # XXXX, XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a large purchase from XXXX XXXX on XX/XX/2020 for {$14000.00}. Then in XXXX I cancelled the order since the company could not meet my demands. I have a return receipt from the company for {$14000.00} on XX/XX/2020. I called my Citi credit card and filed the dispute and emailed a copy of the return receipt. Citi cards closed my account and did not resolve my dispute. The credit card company still says I owe this amount.

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 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX accordance with the Fair Credit Reporting act 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

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 2022-08-21
Company: EQUIFAX, INC.
State: MD
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:
Someone changed my address to XXXX XXXX XXXX. XXXX sent from XXXX XXXX XXXX XXXX. XX/XX/2022 XXXX XXXX XXXX showed a purchase of car which I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Westcreek Financial
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: Problem with personal statement of dispute

Complaint:
PLEASE SEE ATTACHED PRE-ARBITRATION NOTICE BILLING ERRORS BREACH OF CONTRACT POSSIBLE TAX FRAUD FALSE AMOUNTS OWED XXXX XXXX ACTING AS A DEBT COLLECTOR MISLEADING FORMS TO COLLECT A DEBT NOT OWED REFUSAL TO SEND REQUESTED DOCUMENTS ELECTRONIC FUNDS TRANSFER AFTER CONTRACT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: IN
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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 2022-06-22
Company: SYNCHRONY FINANCIAL
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX  problem This account was never reported on my credit report from the time it was opened in XXXX until XXXX. In XXXX, I had XXXX late payment that I arranged with XXXX and scheduled electronically to be apx 1 week late and was advised it would not reflect on my credit report because it never had been. A couple months later I received a credit report alert because it popped up. I disputed the 30 date late at that time and it was rejected. 3 years later, my credit report shows 2 30 day late payments in XXXX ( up until this year it only showed 1 ). I also disputed which they rejected, again. 
However, I was advised by my attorney today there is a XXXX issue because if it never reported for over 12 years of being current, it is unfair and deceptive to begin reporting after XXXX late payment.

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 2022-06-22
Company: Experian Information Solutions 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:
" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and update late payment from my credit report 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 non-monetary relief
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Someone gained access to my credit card and made purshases/changes that I did not authorize or regonize in XXXX 2019. I disputed this information as I was told to do by a represenative they still reported a late payment

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 2022-08-21
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I went to XXXX with an approval from XXXX XXXX Bank, but they ran my credit with XXXX XXXX XXXXXXXX XXXX XXXX 2 times, XXXX XXXX XXXX XXXX without my consent. 

After that I kept getting inquiries on XX/XX/XXXX from XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, 2 from XXXX XXXX 

The same happened when I went to XXXX XXXX XXXX on XX/XX/XXXX, I had an approval from XXXX XXXX XXXX and I have unauthorized inquires from XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OF XXXX XXXX XXXX 2 times XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I also have unauthorized inquires from XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX I need these unauthorized inquires deleted/removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Maury Cobb, Attorney at Law, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Law Offices Of Maury Cobb sent me a letter and numerous robo calls saying they are trying to collect a debt from XXXX XXXX ( who I was a customer for many years which I never had even a late payment. ) I then called the law offices of Maury Cobb which a gentleman informed me I owe XXXX for early termination, equipment and taxes. I told the gentleman I didn't owe that and it was bogus. The gentleman then put me on hold for a hour just to hang up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
hello i am owner of XXXX XXXX sales i have capital one bank bussiness account from last 5years, and that account is my major account for my bussiness, i was buying some products with company called XXXX XXXX XXXX XXXX in texas , i did wire transffer to them and now capital one freeze my bussiness account, now i dont have any access to run my bussiness and when i called capital one they are not responcing me for anything, they keep saying your account is in investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is an ongoing issue with Citizen bank. I was added as a signer to my mother 's checking account ( my mother was a long standing customer with Citizens bank and she knew all the bank tellers ), because I was coming to citizens bank to take care of my mother 's monthly bills. 

The bank teller said it would be best for the bank manager to add me to my mother 's checking account, because I was visiting monthly without being a signer on her account. 

12 months after I was added to my mother 's account, my mother passed away. She was receiving a monthly pension and social security checks, however, after my mom passed away her money was taken out by the treasury dept., this caused an issue because money had already been taken out to pay my mother 's monthly obligations. 

I had no idea this issue had arise. Once my mother became deceased, my family and I were trying to deal with the sudden loss of our mom. Her insurance wasn't yet finalized and I was in a long drawn out battle to become the executor of my mom 's estate, then Covid hit and the courts were shut down, as well as most of the economy. 

Two collection companies are sending my deceased mother collection letters, which they said Citizens bank authorized them to do so. The issue is Citizens bank already knew my mother was deceased. 

Also, Citizens bank has added my name to XXXX 's, which is another reason I want to resolve this ongoing issue. 

I called XXXX collection dept. and explained the situation and I was instructed to go to a XXXX branch and show my mother 's death certificate, I went to the actual location where my mom opened her account. 

I was greeted by XXXX XXXX XXXX, the branch manager, although she couldn't assist me because she didn't have access to any information, to know where to start. 


She was a loyal customer and the situation was not intentional by any means. Mom had a great relationship with Citizens bank. Also, there's many discrepancies of what was actually owed, there're four different amounts that's stated in the documents ( see exhibits ). 
Exhibit 1 states amount owned {$1000.00} ; exhibit 2a states {$1100.00} ; exhibit 3 states {$1000.00} ; exhibit 8a thru 8e states the principle balance is {$890.00} So, XXXX 's is not reporting correctly anyway, because there are too many discrepancies, such as the charge off amount, there four different amounts listed in the exhibits. In addition, the XXXX 's report states I conducted account abuse, how could it have been account abuse, if I wasn't aware of the situation. 

After my mother became deceased I no longer had access to her apartment or to retrieve her mail in a timely manner. I requested the post office to change her address to my current address, however by the time I receive my mother 's mail, Citizens bank had already charged off her account. I had no idea about the treasury taking money out until months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: Experian Information Solutions Inc.
State: DE
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 name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-06-22
Company: DISCOVER BANK
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX - XXXX : Initiated an ACH transfer in the amount of {$15000.00} from my Discover online savings account to a different non-Discover online savings account ( XXXX Bank ) XXXX - XXXX : Received email notifcation from Discover Bank regarding account suspension due to " unusual account acitvity '' and was told to call Discover " immediately '' to resolve. This account suspension led to my ACH transfer of {$15000.00} being frozen ( i.e. the money did not sucessfully transfer to my XXXX XXXX XXXX ) XX/XX/XXXX through XX/XX/XXXX : Initiated phone calls and suffered hold times varying from XXXX0 minutes to over 3 hours to no sucess in attempting to be put in contact with an employee from Discover 's security team who reportedly was the only one able to help me unlock my account This is UNACCEPTABLE both the lack of customer service/care and to hold my money frozen unable for my use when I NEED it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22
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:
" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and update late payment my from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I went to XXXX with an approval from XXXX XXXX Bank, but they ran my credit with XXXX XXXX XXXXXXXX XXXX XXXX 2 times, XXXX XXXX XXXX XXXX without my consent. 

After that I kept getting inquiries on XX/XX/XXXX from XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX 2 from XXXX XXXX 

The same happened when I went to XXXX XXXX XXXX on XX/XX/XXXX, I had an approval from XXXX XXXX XXXX  and I have unauthorized inquires from XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OF XXXX XXXX XXXX 2 times XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also have unauthorized inquires from XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX I need these unauthorized inquires deleted/removed off my credit report.

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 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX, XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXXXXXX Date Opened XX/XX/2014 Balance {$0.00}.

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 2022-10-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX XXXX, Equifax and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXXXXXX Date Opened XX/XX/2014 Balance {$0.00}.

Company response to consumer: Closed with explanation