BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this complaint myself and there is no third party involved. These items are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA. I have done many attempts to reach out to XXXX and Equifax Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the written confirmation for the removal of these items in my account? Please investigate properly and remove them all from my personal credit file. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here are the lists of the erroneous items reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX  XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX XXXX Opened XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$16000.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX XXXX XXXX XXXX, XXXX EQUIFAX MORTGAGE XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance : XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance : XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Balance : XXXXXXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance : XXXX EQUIFAX MORTGAGE SERVICE 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 2022-08-22
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was a victim of a cash, flipping scam. 
XX/XX/XXXX  Cash app amounts : {$26.00}, {$10.00}, {$110.00}, {$56.00}, {$65.00} XX/XX/XXXX XXXX XXXX amount : {$64.00} They told me to request a refund from the person, however the scammer refuse, and cash app said there isnt anything they can do and to contact the scammer but I can not get a hold of them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I disputed school loans identity theft, XXXX, XXXX, deleted school loans but Trans union, did not delete, even though identity theft report was sent to them and they claim not to receive it even though USPS says it was delivered on the XXXX of XXXX. I also had other items and inquiries needed to be deleted due to Fraud. I sent a document of Identity Theft report and USPS RECEIPT with tracking number on it

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 2023-11-03
Company: EQUIFAX, INC.
State: WI
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:
In XX/XX/XXXX i opened a credit card with XXXX XXXX XXXX. the inquiry should fall off in XX/XX/XXXX however Equifax and XXXX told me that it will fall off in XX/XX/XXXX. I feel the inquiry should fall of in XX/XX/2023 since that would mean its 24 months old

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Companys XXXX XXXX XXXX {$770.00} XX/XX/2023 XXXX XXXX XXXX {$470.00} XX/XX/2023 XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$420.00} Capital One {$500.00} XX/XX/2023 XXXXcapital/XXXX {$0.00} XX/XX/2023 XXXX {$0.00} XX/XX/2023 XXXXcapital/XXXX {$0.00} XX/XX/2023 XXXX XXXX XX/XX/2023 XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXXXXXX XXXX  XX/XX/2023 For all of the companies above no action has been taken.

Dispute result Your items currently remain on your most recent credit report. Unless you have received a direct mail from XXXX, there is still a chance that it will be removed in the coming days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: NY
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:
My name is 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.

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 2022-08-23
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: Their investigation did not fix an error on your report

Complaint:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation because as you can see in the attached screenshots this information is being reported inaccurately across ALL THREE BUREAUS! FCRA Act Section 611, gives me the right to request an explanation of the verification method. I request a copy of any documents used to verify my information under the FACTA act, SEC 312 ( b ) and ( c ).

These erroneous entries are detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. 


The following inaccuracies MUST BE DELETED NOW. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INACCURATE INFORMATION : Date Opened, Last Reported, Last Active Dates are all inconsistent, inaccurate and incorrect. YOU MUST DELETE THIS FROM MY REPORT. XXXX XXXX Transunion account number XXXX and XXXX  Account number XXXX INACCURATE INFORMATION : Account numbers, High Credit Limit, Last Active Dates are all inconsistent, inaccurate, and incorrect. YOU MUST DELETE THIS FROM MY REPORT. XXXX  XXXX XXXX Account number XXXX INACCURATE INFORMATION : Date Opened, Last Reported, Last Active Dates are all inconsistent, inaccurate, and incorrect. YOU MUST DELETE THIS FROM MY REPORT. XXXX XXXX Account Number XXXX INACCURATE INFORMATION : Date Opened, Last Reported, Last Active Dates are all inconsistent, inaccurate and incorrect. YOU MUST DELETE THIS FROM MY REPORT. 

See attachments for full details

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 2023-09-26
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting 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:
Sam 's Club is not reporting my credit information to XXXX and it is negatively impacting my XXXX credit score.

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 2023-10-20
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed that my credit report is showing hard inquiries on my credit report. I absolutely never authorized this. I believe someone has been trying to obtain credit on my behalf and that I am a victim of identity theft. I have contacted the police and have consulted with a lawyer. I have asked them to show me proof that it was me and they could not. I have disputed this with experian and was basically dismissed and was told its not a big deal. I want to know who I should complain to and who I should sue because this isnt right.

Company response to consumer: In progress
Consumer complaint received 2023-09-26
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX ( XXXX minute ago ) to me I am a XXXX XXXX XXXX retiree that was Victim of a XXXX XXXX XXXX to my Citibank Account for an apartment Rental in XXXX and the bank refuses to reimburse me now again I am a Victim of a XXXX wire Fraud tied to my Citibank account, they have not refunded my account as they said. This is elder XXXX XXXX and I need someone to help me go after Citibank I can't be the only retiree that is having these issues with Citibank? Please help me or if you know a Lawyer can help me? Citibank is responsible the XXXX on the Citibank website on my account is not secure and I know its only {$5400.00} thats Pocket change to Lawyers but to a XXXX XXXX XXXX retiree on Social Security thats a several Month 's payment Lost it Hurts and I was just trying to rent an Apartment in XXXX and it was a XXXX apartment scam they knew they could use XXXX and Citibank will not reimburse me and its their Fault because its not secure. Citibank has rejected my appeal 2 Times so I am trying again. XXXX is NOT secure and Citibank Advertises it. I am XXXX used it once and scammed. 

Citibank is responsible the XXXX on the Citibank website and the 2nd scam was a fraud Real estate agent that turned out a Fraud a wire fraud again from my Citibank account. 

I did file 2 Police Reports with the XXXX XXXX XXXX XXXX Citibank XXXX CASE XXXX XXXX Wire Fraud Case 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 2022-08-22
Company: North American Credit Services
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NACS sent me a collection notice in the amount of {$1000.00}. I have no clue what this bill is for and NACS refused to give me information on the bill. My health insurance was never billed. I have sent NACS a Cease and Desist letter with my health insurance information for proper billing if a legitimate bill actually exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TD BANK US HOLDING COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My name is XXXX XXXX XXXX XXXX a few months ago I opened two accounts checking and savings, in the city of XXXX, branch llocated at XXXX XXXX XXXX, for work reasons I moved to the state of Nevada. I sent a letter addressed to the branch manager, asking to close both accounts and sent me the checks to my new address, XXXX XXXX XXXX XXXX XXXX Nv XXXX. 
I wait 3 weeks waiting for an answer and I decide to call directly to the bank, I spoke with different people about my situation.At the first time they told me the checks they had sent to my old address. I called to my landlord to see if she has an envelope from TD Bank she said no never got anything in the mail. 
Days later I called back again to the branch, to tell them the letter they sent me was missing. The second call I made to them, They said they never got any letter from me asking to close my accounts, so I asked why the first time when I spoke to them, they told me the checks were sent to the address registered in my account. 
Finally, the people at that branch told me to call customer service number, because they can not do anything there, I been really patient calling to customer service, the same way they told me I have to talk directly to the bank because the decision has to take the branch manager. 
I spoke 3 times with customer service asking to help me to resolve this situation. They were supposed to send emails to the branch manager waiting for answers. 
I can not believe this bank treat customer this way, because I'm XXXX? at that branch they pretended not understand what I said, they even transferred to someone who spoke XXXX. The same way I explain to that person in XXXX he did do anything. 
I feel discriminated against with all people I spoke in that branch, just to claim my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: CL Holdings LLC
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The information your agency is claiming about owed amounts and delinquency dates is not on my credit profile. The listing is incorrect, and I want it removed from my credit profile or corrected accordingly to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: MA
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXX XXXX XXXX : {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, 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 the Fair Credit Reporting Act, XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting ActXXXX XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX Account # 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 2022-12-06
Company: Paramount Recovery Systems, L.P.
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:
In accordance with the fair credit Reporting act XXXX XXXX  # 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 USC 1666B : A creditor may not treat o payment on a credit card account under an open end consumer credit plan as late for purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Kinum, Inc., Indianapolis, IN Branch
State: WI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Forbidden third party was contacted regarding a debt and details were disclosed to the party. Phone number is still being reported to various credit bureaus and is not associated. When the company was confronted they refused answering the questions or requests to remove the unassociated number, stop calling/harassing, or sharing private information to a third party. 
When requesting to speak to their lawyer, the number provided was unassociated to the business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am a victim of XXXX, XXXXXXXX XXXX, discrimination, and public corruption. I got scammed by In XXXX XXXX XXXX XXXX that charges my Capital Credit card.

Capital One has refused returning my money back In XXXX XXXX XXXX billed on XX/XX/2023 for {$1900.00} Case Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: AMERICAN HONDA FINANCE CORP
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:
Acura financial and XXXX XXXX  card XXXXXX/XX/2022 late because i was hospitalized and provided letter from hospital. Instead of removing the late they moved it to XX/XX/2022 then to XX/XX/2022. I need it removed from XXXX XXXX and XXXX. I need 2 30 day lates removed from Acura/honda financial and XXXX XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: SYNCHRONY FINANCIAL
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I requested a letter, which the collector refused to do. I reluctantly agree to correspond via email. I also asked that they not call me due to XXXX XXXX at which point he mocked me. Then did not send the email when he said he would. I had to leave a voicemail for the collector to remind him to send it on Friday XX/XX/22. 
I received a call from the collector on XX/XX/22, After I requested to not be contacted by phone. The collector tried to say I called him which was not the case and I have proof otherwise. The collector then tried to pressure me into scheduling a payment at which point I told him I wasnt comfortable doing. I told him that I asked him not to call back to reach me via email as we agreed. He said he would just continue to call if I did not schedule the payment today.

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