BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: GA
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This is a formal request to delete the inquiries listed below from my credit report. To my knowledge, I have not signed any documents authorizing the companies listed to view my credit history. With that bein said, the inquiries are violating the Fair Credit Reporting Act. Section 1681b ( c ) : Transaction not initiated by consumer and need to be removed immediately. 

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 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 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 non-monetary relief
Consumer complaint received 2021-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Subscribed to a XXXX account of an investment strategy advisor prominent on XXXX. Day after I subscribed to his account I received a private message stating he could possibly help me personally. He asked me to trade through an online brokerage XXXX  and he would help me manage it. As it turns out it was a fake website and a fake account propagating this felonious activity. When I realized it was too late, I had already wire transferred XXXX XXXX to that account. I alerted XXXX and they told me the account did nothing wrong and was in good standing. Told them it was a fake account stealing peoples money. Two weeks after the fact and when the original published something about it was the only time XXXX took the issue seriously. XXXX also deleted all my interactions with the person which has the whole conversation in it. The dummy company they setup is XXXX XXXX The wire fraud was executed through XXXX BANK under an account name XXXX XXXX XXXX. The brokerage firm is XXXX. My home bank is BANK OF AMERICA to which I reported the fraud as soon as I became aware. They issued me a temporary credit and now they are stating they can not honor my credit and will remove the money from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Myself XXXX XXXX ( XXXX ). and my husband XXXX XXXX ( XXXX ) both have loans with Mohela. On XX/XX/XXXX they received a discharge list with our names for XXXX. Our loans are not being updated. They are sitting there. 

After several attempts we get the same response or a clueless response. It will take XXXX days to process. On one occasion we are told they need to send the list to Department of Education for review. However, this is false. The Department of Education sent our names in a file to them on XX/XX/XXXX. I have an Obudsman from the Department that contacted us the day our file was sent for discharge. I was told it would take a couple of weeks. 

Nothing has been done and it is over a month. 

This nightmare has gone on far too long.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
I made an online purchase at Kohls for XXXX on XX/XX/21. A small part of the order ( around {$36.00} ) was delivered. The rest of the order never shipped, so I called on XX/XX/21 and was told that shipment was never given to the shipping company ( who I also contacted ). I was told that I would receive a refund within 7 days. When I didnt receive the refund, I called back and was told no refund was ever processed. Supposedly the refund was processed again and I was told to wait 7 days again. After 7 more days and no refun and 4+ hours trying to talk to someone I was told the exact thing for a THIRD time ( well process the refund and youll have it in 7 days ). In the meantime I received an email ( after my refund had supposedly been processed ) documenting that they never sent my merchandise. They are running a scam so they can keep my money and the interest Im being charged when they ( based on their own admission ) never sent the merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The XXXX first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
DISPUTE RESPONSE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Important dates Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX As a federally protected consumer I am demanding the deletion of the INQUIRIES listed 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 2023-06-28
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I was locked out of my ally account for no apparent reason. I use Face ID and supposedly Ive entered my password wrong multiple times but I dont use a password. I called customer service and theyre no help I keep getting the same answer and I have no access to my funds, its just weird how I got locked out of my account for having it less than a week and nobody can give me an answer on how long this process will take.

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 2023-05-08
Company: EQUIFAX, 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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My XXXX XXXX XXXX XXXX are not showing credit balances : the last XXXX digits as follows : XXXX XXXX balance ( still carries a balance and about to close it with O balance ) XXXX -- XXXX balance ( -- XXXX ) Platinum ... XXXX ending in ... XXXX XXXX CURRENT BALANCE : - {$34.00} CURRENT BALANCE View Account Platinum ... XXXX ending in ... XXXX {$0.00} XXXX CURRENT BALANCE : {$0.00} CURRENT BALANCE View 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 2022-06-16
Company: EQUIFAX, INC.
State: NV
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Healthcare Finance Direct LLC.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX sent the balance of my account to XXXX XXXX XXXX, XXXX. My application number with XXXX XXXX XXXX, XXXX is XXXX. 
I received an email that said " Once you are signed in, you will see that you have XXXX options : You can pay the account in full and receive a XXXX XXXX  discount. You can set up a payment plan. '' I kept choosing to pay the account in full for XXXX XXXX XXXX discount but it kept reverting to the payment plan. I was told by customer service that they could not help me with this issue until I finished activating my account and paying the balance minus the XXXX XXXX  I did that and when I called back I was told I would still need to pay the {$120.00} which is the XXXX XXXX  discount. I have emailed XXXX XXXX XXXX, XXXX and received the following response " Once the account has been set up for financing on our end, we are not authorized to make any changes to it. You may contact XXXX XXXX XXXX at XXXX to ask for any further assistance regarding this matter. '' I contacted XXXX XXXX XXXX who told me I need to contact XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX calls, texts, and emails me constantly about the {$120.00}. I have explained to everyone that calls me about the issue but they refuse to correct it. I paid the amount owed in all at once minus the 15 % discount which is the {$120.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
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: Investigation took more than 30 days

Complaint:
On XXXX I mailed out my dispute letters which disputed inaccurate accounts on my consumer report that were actually included on my FTC identity theft report. It has been just about 90 days from submitting my dispute and I have not received any response to my letters. Therefore, I submitted a complaint on XXXX and got a response stating that I needed to call to give the company my authorization to continue with the complaint. I gave them a call to give them my authorization to continue with the complaint. Transunion accepted my authorization and said they would continue with the complaint and I have not received a response yet. XXXX said they didn't see that I had a complaint until I told them my complaint number. After refusing to acknowledge my complaint they said someone may or may not continue with my complaint. I am extremely XXXX at how they are handling this and infringing on my consumer rights. I am submitting this complaint to make sure they abide by the law and delete and remove these inaccurate accounts. IT HAS BEEN 90 DAYS AND I STILL HAVE NO RESPONSE.

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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possibleXXXX 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 2023-03-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card was stolen without my consent or knowledge on Sunday morning at around XXXX XX/XX/XXXX from a XXXX XXXX. Following it being missing 3 unauthorized ATM withdrawls happened and at 3 different ATMS all over the XXXX XXXX. ( Areas I have never been to or make purchases ) I did not have my card at this point nor knew it was even stolen until the following Monday morning. The Bank even reported it as being unusual or suspicious activity but has denied the claim all together and is refusing to credit the funds. According to Wells Fargo there are no indicators of it being fraudulent, even though I submitted a claim, reported it and they did little to no investigation. I spoke to several claim supervisors that said there was nothing that can be done and they will be denying the claim from here on out. I am prepared to hire a private investigator to look further into this matter. I have locations of the three ATMS and not sure if there is any video evidence they can obtain. But Wells Fargo is not taking this investigation seriously and has not provided any help, action, or reimbursement of my funds being unauthorized dispursed from an ATM without my knowledge. 

XX/XX/XXXX NON-WF ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX CA XXXX ATM ID XXXX CARD XXXX XX/XX/XXXX NON-WF ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ATM ID XXXX CARD XXXX XX/XX/XXXX ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX CA XXXX ATM ID XXXX CARD XXXX This is the alert they sent me. Which I then verified. Then they denied my claim and said they can not credit me back the money stolen from my account : Subject : We've detected some unusual card activity From : Fraud Detection XX/XX/XXXX XXXX AM This message was sent with high priority Contact Us Action required : Please review recent card activit

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 2019-01-20
Company: Credit Bureau Services Association
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX2018 I pulled my credit and saw CBSA collections listed for {$3700.00}. I contacted the credit beurus and CBSA to have it removed as I do not know of this debt. XXXX XXXX2018 I sent certified letters to the collection agency asking for validation of this debt containing any contract I signed with this company or proof of their right to collect on this debt and the amount that they are requesting. They responded with a typed itemized bill which does not consitute as validation per FDCPA. I have no contract with CBSA nor do I owe the debt they are claiming. They have not able to provide any document that I have requested to prove my ownership. This needs to be removed from all 3 credit beurus  immediately.

Company response to consumer: Closed with explanation