BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was selling a washer and dryer on XXXX XXXX and a person messaged me saying they would like to purchase. They requested to use XXXX to send me payment. They messaged me again and said Dear customer, We have a problem crediting your {$600.00} USD because the status of your account is not a business user which makes your account have limits. This amount seems to be above your limit. 

To fully expand your account into a business account and deposit your funds now, contact ( XXXX ) immediately to send you an additional payment of {$400.00} USD into your account to expand your account limit. Soon as this is done, we will credit your account with the total sum of {$1000.00} USD An alert has been sent to ( XXXX ) in regards to the {$400.00} additional payment she has to send to you, we will secure this transaction with high priority that neither the buyer nor the seller will lose a dime in this transaction. I then sent them a payment via XXXX and then I received this email. 
Dear customer, This is to inform you that we have received your payment of XXXX USD which has been approved, in order to get the full total {$1000.00} USD transferred into your XXXX account, you are hereby to pay the certificate form fee of XXXX of {$500.00} USD so that we can start the processing of the funds, the certificate form fee represents the approval of your funds and also stands as insurance to your Business account, the money will be added to your pending fund and you will be credited with the total sum of {$1600.00} USD plus free $ XXXX compensation fee from XXXX. 

Below Is The Instructions : Below is the Agent XXXX details : XXXX : XXXX : * XXXX XXXX XXXX XXXX : Amount to Pay : {$500.00} USD Total Amount to be credited : {$1600.00} USD

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 2023-10-12
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Good Evening. I was notified by my credit reporting agency ( XXXX  ) that my current finance company Santander, has reported my my car as a Charge Of in XXXX of XXXX. I was not notified in writing that this matter has occurred. My financing company Santander, has stated that my account is current and up to date and that is false. I have disputed numerous amounts of times, since XXXX of XXXX to investigate this matter, nothing has been corrected. I have three different balances due to Santander not accurately reporting to the credit bureaus. The financing company Santander, is currently reporting my account as negative every month and I am current on my payments. Santander has made false claims they are reporting to all three credit bureaus, which is not correct. My XXXX report does not show Santander reporting to them at all. I've  requested on XX/XX/XXXX to investigate why they are not current and why they are reporting as a Charge Off on my credit reports, Santander returned a letter on XX/XX/XXXX, stating the account is accurate and correct, which is also not true. I've applied for credit in other departments and they have verified that I am not the current owner of the vehicle and have been denied credit several times due to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They report false amount to my credit convergent outsourcing is XXXX XXXXXXXX

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 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Fraud inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-11-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX Equifax, is in violation of code ( XXXX XXXX XXXX Permissible Purpose ) I did not authorize these inquiries below, nor did I give my written consent for these inquiries to be on my credit report I demand that these fraudulent inquiries be removed immediately! Also, I demand that XXXX XXXX Equifax, provides my written signature stating that I authorized these transactions. If not, I demand them to be removed. 

XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX ( Bank ) XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: TX
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 was trying to purchase my first home for my XXXX son & I & I found out I had damages on my credit report according to the 15 USC 1681 Law there should not be any damages on my report that is a defamation to my character. Please remove these accounts immediately. My son & I are tired of renting and I want to purchase a home. 
The accounts below need to be removed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: CONTRACT CALLERS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On or about XX/XX/2019 I contacted Contract Callers Inc in an attempt to settle a debt. My settlement offer was not accepted and I asked for clarification of the debt in written form via regular mail. I verified my current mailing address. Several weeks later I had received nothing and called again in an attempt to settle and also to receive verification of the debt. I was told that my original request had never been processed but that I would receive something in the mail shortly. Again, I received nothing in the mail and contacted the agency and told them I would like to dispute the debt as I never received any additional information about it. Approximately 1-2 weeks after this call my credit score dropped from XXXX to XXXX and now shows a derogatory remark that I attempted to dispute this debt. I requested written verification multiple times prior to disputing the debt and never received anything. This does not seem legitimate or fair whatsoever

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 2022-04-19
Company: PENTAGON FEDERAL CREDIT UNION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I/we opened an account with PenFed, when it was for military members and their families. Since I opened my account a few years ago, the company appears to have been acquired by a private company. There also appears to have been some policy changes made. 

I paid off all of my debt to my Pen Fed ( Pentagon Federal Credit Union ), that I owed for my credit card with them, in XXXX, 2022. At the time of the final payment, I included a request, that my account be closed. 
Since my initial request, I have requested, Several other times, that the company, PenFed, close my account. To date, ( XX/XX/2022 ), they have failed to do so. I have received billing statements showing fees for delayed payments. My account is paid through my bank; ( the bank can attest that there has Never been a payment that was sent to them past the due date ). 

After several attempts to close my account over the phone with no success, I researched the company. I sent a letter, including a copy of the cashed, final payment check, to the XXXX XXXX XXXX at PenFed headquarters, in XXXX, Va. 

The letter was sent by certified mail and signed for. STILL, they have not closed my account. Instead, I receive dunning notices about outstanding fees owed to them, with no explanation of the fees. 

It is my wish and request to close my credit card account ending XXXX immediately. Will you kindly, assist me/us with this matter? I should not be held XXXX by PenFed. I no longer wish to have this account. I am a XXXX Vet, I can not keep dealing with the stress of this issue. 

I have attached a copy of the billing statement and a copy of the cancelled check for the payoff payment, from my bank. 

Thank you for your assistance in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-02
Company: U.S. BANCORP
State: IA
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:
Last summer ( XX/XX/2017 ) I reported my debit card lost or stolen and US Bank sent me another card. Then later we noticed that charges were on my account from XXXX XXXX - and when I called about them they were attached to the debit card I reported lost or stolen. It was never canceled - so they canceled that card and I disputed the charges. I received a statement in XX/XX/XXXX showing a XXXX balance. Then then next thing I know I started getting a call from a collection company saying I owed like {$140.00}. US Bank charged me back for half of the disputed charges because they said the claim was over 120 days old and they couldn't do anything about it. 
After fighting and talking to someone on the XXXX XXXX they told me to contact my local branch we I did - he had no luck and we are back to square one. I have been fighting this since XX/XX/XXXX. We posted on XXXX our issues US bank called and said they would look into it. Never heard back then my local branch manager called and said they put it back on him and he couldn't do anything. Basically sorry about your luck. In the meantime - my local brand manager said he would close our savings for me - ( I didn't ask him to ) and then charged me a {$38.00} forced closed fee. I have about {$200.00} worth of fees locally and still in collections and can not get an answer from anyone. If the debit card had been canceled/closed when I called none of this would be going on. Now its my credit on the line along with all of these fees.

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 2022-12-29
Company: Experian Information Solutions Inc.
State: GA
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 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 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 2022-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
I received an alert that an inquiry for a credit card was made in my name with Bank of America yesterday XX/XX/XXXX. I called Bank of America immediately. I spoke to Customer Service then to the Fraud department. Both departments said I had to call back again because there was no account number associated with the inquiry yet. I insisted they make a note. They still said I had to call back. I have spent more than 2 hours on hold yesterday and today, spoke last to " XXXX '' and am concerned this card is issuing. They confirmed an application was made in my name, social security number and home address but with a different telephone number. I'm concerned an account will open and that I have to continue to contact them. I want written confirmation from them that no account will be opened and confirm I have contacted them and no further action is needed.

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 2022-04-19
Company: Navient Solutions, LLC.
State: CO
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:
First reported to all three credit bureaus on XX/XX/XXXX that NAVIENT Student loans falsely reported me late on the XXXX of XXXX. I was placed into a new payment plan with NAVIENT on the XXXX following being laid off. Their credit reporting department and collections/payment plan department apparently do not talk to one another. My account is current and currently showing nothing due at this time. For some reason XXXX is only reporting one of the three loans current when all four loans are under the same payment plan which means they should all be reporting as current. XXXX and XXXX were reporting exceptional payment history for all four loans but now it looks like on my end they are showing a missed payment for XXXX again. Again all four loans for NAVIENT on all three credit bureaus should be reporting as no recent missed payments. I am trying to move forward on a home loan and if this isn't resolved in time, i.e. this week I will be homeless thanks to NAVIENT falsely reporting. 

Likewise, my XXXX XXXX account was in a payment plan - never received that documentation from XXXX XXXX account has been paid in full and should reflect that on my credit report ASAP too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: GA
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 item listed below has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
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 2016-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Hi I ca n't seen to get capital one cards at all I been trying for last 5 yrs..nothing yet. I had a business account I had young lady that work for me my husband we XXXX XXXX. ..she work for over several yrs until they caught her she now in pent..serving time for inden. Theft. So she took both of our names my late husband and I scratching all over usa. Now they wo n't even considering me for new card I told them I would b will to put up half deposit for one. But the keep telling me please help me I did n't do anything wrong. Am getting blame for it ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
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: Their investigation did not fix an error on your report

Complaint:
I've contacted XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on XX/XX/22 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax 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 my file at Equifax is 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 items 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. Update the account 's information : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
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:
The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
All the credit bureaus have the wrong social security number for me so I am unable to access my credit report and the bank cant even give me a loan because my ssn doesnt match the on the credit bureaus have.

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