BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-01
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-23
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my account status online it shows a charge off balane as XXXX and I receive   a document for {$110.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: FL
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 items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-07-18
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I used the website www.experian.com to pull credit reports from my mom and my dad. I thought when I was just pulling a credit report and then find out that it is a membership for credit monitoring. I tried to cancel the membership with the company and they refused to cancel. I tried to get a number for the billing department and they refused to give me the number to call billing. The only number they would provide is a number for their membership services. Their website is also misleading because the company does not disclose that they are not the credit reporting agency experian. This company should disclose on the first page of their website that they are a for profit business and that they are not the credit reporting agency. Experian.com should be required to disclose that they are not the credit reporting. When I talked to XXXX XXXX # XXXX she verified that the company would not disclose the phone number for their billing department. The only phone number provided to me from XXXX was the number to their membership department.

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 2020-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
In XXXX of XXXX Bank of America reported a 30 day late to the credit bureaus which is incorrect. I make my payment on time every month. There was a balance that I was not responsible for due to Fraud but I still made my payment. Bank of America confirmed this was an error and said nothing was reporting 30 days late during this period however it still shows on my credit. I requested Bank of America to correct this on multiple occasions with the credit bureaus and when I followed up with the credit bureaus and disputed this inaccurate information they advise that Bank of America confirmed the 30 day late in XX/XX/2017 but when speaking with Bank of America they advise nothing was confirmed and to open a new dispute with the credit bureaus but I was informed a new dispute could not be opened. I am requesting the inaccurate 30 day late reporting in XX/XX/2017 be removed from my credit history

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 2022-11-12
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, I attempted to open a Truist Dimension Checking account online, and it was successful. I made a deposit of {$50.00} into my account to start it off. However, when I tried to log back in, it wouldn't let me. That's when I had found out that my email and bank account was compromised. I immediately alerted Truist, and they had given me a phone call and a link to verify myself. In the link, I had to upload a picture of my face with my photo ID. For some reason, they were not able to verify me despite my efforts to verify myself. I had visited a local branch in XXXX, but she had failed to verify me as well. The account was locked down. I could not go into my account, make changes, close or even deposit funds into it. 
In my frustration and needing a joint bank account with my boyfriend, we had visited another branch of Truist Bank on XX/XX/2022. I was helped by a banker, XXXX XXXX and he proceeded to open us another bank account, a Truist One Checking account. He had verified both of us and successfully opened the account which I then used. 
After multiple attempts to call them to verify me and visiting local branches, they still failed to verify me until XX/XX/2022. I visited the XXXX XXXX branch of Truist. The bank verified me successfully, and that's when I had found out that my account was charged " maintenance fees '' even when the account was locked down and I had no access to the account. I tried to dispute the charges for the maintenance fees because 1. I did not have access to the account, including depositing any money into it 2. It does not make sense for me to pay maintenance fee for an account that was locked and unused and lastly 3. Even if I had access to the account, I requested to close the account multiple times, in which they repeatedly told me I could not until I verify my identity despite attempting to verify myself with my driver 's license, permanent resident card, social security card and an active passport. 
A total of {$80.00} dollars of maintenance fees were charged between XXXX through XXXX, {$20.00} of maintenance fee per month. I was refused dispute of the maintenance charges despite not having access to the account, and they refused to close my account if I did not pay the {$30.00} worth of maintenance fee and also refused to refund my original {$50.00} that I had put into the account when I initially opened it. 
I am so upset and disappointed with the way Truist bank operates, and even with my active account, I still have problems with it all the time. It's certain that I am never going to bank with Truist again because of their practices, lack of customer service and ignorance in handling particular situations.

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 2023-12-12
Company: Mr. Cooper Group Inc.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am troubled to note that my credit report, which previously reflected positive payment history, has suddenly been updated to include inaccurate late payments. I am confident that this information is incorrect and should not be reflected in my credit history. 
NSTAR/COOPER XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have maintained a positive payment history, and there have been no instances of late payments during the specified period. I am seeking your assistance in conducting a thorough investigation into this matter and correcting the inaccuracies on my credit report. The inaccurate reporting is not only damaging my credit score but also misrepresents my financial responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Navient Solutions, LLC.
State: IL
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:
During the month of XX/XX/2018 Navient reported to the credit bureaus $ XXXX balance and late 90 days. During the month of XXXX, I called in to report my loss of income and could no-longer make the payments. I was told I would get a payment reduction plan {$0.00} payment. Navient has note of the conversation but then stated they never offered me a payment reduction plan. I expressed to 3 supervisors and 4 associates this inconsistency in communications has now affected my current resident agreement. The reporting had caused my credit score to drop 73 points. I then tried to make the payments in hope to rectify the incorrect reporting but nothing happened or a response to my issue. I then spoke with a representative whom stated I should send a letter to dispute the incorrect reporting and request a reversal. The rep. also would note my account to get the reporting reversed. I called the number provided to the department and no one called me back after 5 messages I left. No one ever picked up the phone for the ONLY department that deals with credit reporting or reversal. The letter arrived and uploaded to my account which I could view. I spoke with the same rep. whom stated my case was pending. The letter was removed from my account after a week and no rep seem to have any information regarding the letter of dispute being on file. I made additional payment, which I was in no financial position to do and still no response from the department regarding my dispute. All three supervisors were very rude and dismissive of the severity of my case. One supervisor repeated himself over and over when I asked for a manager, another manager stated I need a COURT ORDER to retrieve the phone conversations I've had, the last supervisor said there is no need to discuss it further because there was nothing that department could do but transfer me back to the department that was unresponsive. The supervisor team were less helpful than the representative. I've never felt more abused and disregarded in customer service than I have with Navient. Due to this awful experienced I was forced to vacate my residence. The lack of responsive of customer complaints are none at all. Navient is a horrible company and I will advise all to finance with another lender if possible as they change the rates, payment agreements and do not respond to questions, concerns or complaints. Please shut them down. An organization like this should not be in business, especially dealing with students finances and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Experian Information Solutions Inc.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have sent a dispute letter on XX/XX/2023 to Experian and it has been more than 30 days and I have not received any response from Experian via mail. This is an FCRA violation. I even sent the letter with an Identification affidavit for my identity verification with no response. It has been more than 30 days and I have yet to receive a response from Experian. This is an FCRA violation, and the account must be removed.

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 2023-02-10
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover Credit Card A new card was opened {$4500.00} XXXX I contacted to provide legal and personal information to open said card. The card was opened however I was no longer going to activate it once received. 
I had to unfreeze my credit report to open this card - I keep my account locked to prevent fraud. 

I subsequently requested a replacement card for the current card I already had - {$15000.00} limit. 

I received a notification on XX/XX/XXXX stating the newest account was closed. I understood and took no further action. 

I activated my replacement card the same day as my newest account was closed. 

No other communication was received from XX/XX/XXXX to XXXX in relation to my already open account of 3 years. 
on XXXX I received a notification that I needed to activate an 5 % cashback offer on my account. 
Hours later on the same day I received notification that my account had been closed. 
When I contacted the company they said they had no notes other than a business decision. 
I advised them of the XXXX credit card act that requires 45 day notice of major account changes such as closure - not including inactivity. 
Policy is 1 year of inactivity places your account as subject to being closed - my account was less than 30 days active with the replacement card. 
This has negatively impacted my credit score as that was a XXXX credit line decrease and it lowered my open credit history by removing a XXXX XXXX XXXX account. 

The company stated they called me once- in XXXX- I do not have a record of the voicemail they stated they left. I did not receive any letters or emails related to the card already in existence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have sent several requests to Experian requesting an investigation of my accounts. It has been months and I still have not received a response to my concerns. The only thing I have received is some automated rejection letter stating that they wo n't do anything to help me ( please see attached ). 
This has to be a violation of my rights. I feel like I 've already wasted so much time just trying to get Experian to look at the errors on my credit report and I 'm so frustrated that Experian is intentionally not responding to my inquiries. I need to have this issue resolved immediately. There are many things I need to do with my life and they all involve my credit. But I am not able to move forward all because of this credit bureau!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently obtained a copy of my credit report and saw AFNI reporting a debt that I never had that originally came from XXXX XXXX XXXX XXXX. I requested validation of debt on XX/XX/XXXX and was received by AFNI on XX/XX/XXXX. Prior to requesting validation I had never received a bill or a notice of non payment. On XX/XX/XXXX I received a collection notice from AFNI and on XX/XX/XXXX they sent me a letter stating it would take up to 90 days to complete. This is an abuse of power as the collection notice dated XX/XX/XXXX says 30 days after receiving the letter they will assume the debt is valid. I have not received validation or any other information. I have never used XXXX XXXX XXXX XXXX and would like to get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Experian Information Solutions Inc.
State: TX
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:
I was reviewing my Experian credit report and seen some inaccuracies on my credit report. On XX/XX/2023 I discovered that the creditor : XXXX XXXX Account # XXXX, has been reinserted into my credit report after being permanently removed in XX/XX/2023. If it was permanently removed, how was it able to be reinserted? You are also required to notify me within five ( 5 ) days of reinserting a previously deleted item. I did NOT receive any such notification. You have emphasized that you will no longer investigate my dispute related to this account. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Experian has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intent to litigate if this account is not DELETED from my credit report. You have failed to conduct a due diligence and maximum accuracy investigation. I am requesting to be provided with the written contract bearing my signature and physical documentation to support the information that is being reported on my credit report via USPS mail. This account is not mines. This is a fraudulent account that is a result of identity theft. I have provided Experian with a copy of my identity theft report and it was completely ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have a credit card with Capitol One to which I did a balance transfer based on their advertisement of 18 month free interest. Now that I am nearing the end of this period they will not provide me with any information regarding the end of this term. They will only confirm it via phone which makes me very uncomfortable as I believe they are setting me up for failure and an eventual default. I spoke with XXXX employee ID XXXX who stated they do not provide any tangential proof to confirm this end date that was not adding up to the 18 month mark. The employee was rude in responding to my requests to explain why on the chat system online a XXXX date had been confirmed and now he is stating the expiration of the deal is in XXXX. This felt very suspicious. This information is not listed on my statement or online. This date is only confirmed via phone representative which is unreliable should I have an issue later on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Experian Information Solutions Inc.
State: TX
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:
I DEMAND ALL NEGATIVE, DEROGATORY ITEMS, MEDICAL DEBT AND LATE PAYMENTS DELETED IMMEDIATELY FROM MY CONSUMER REPORT ( 18usc 1341 Frauds and Swindles ) Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice or attempting so to do, places in any post office or authorized depository for mail matter, any matter or thing whatever to be sent or delivered by the Postal Service, or deposits or causes to be deposited any matter or thing whatever to be sent or delivered by any private or commercial interstate carrier, or takes or receives therefrom, any such matter or thing, or knowingly causes to be delivered by mail or such carrier according to the direction thereon, or at the place at which it is directed to be delivered by the person to whom it is addressed, any such matter or thing, shall be fined under this title or imprisoned not more than 20 years, or both. If the violation occurs in relation to, or involving any benefit authorized, transported, transmitted, transferred, disbursed, or paid in connection with, a presidentially declared major disaster or emergency ( as those terms are defined in section 102 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act ( 42 U.S.C. 5122 ) ), or affects a financial institution, such person shall be fined not more than XXXX XXXX or imprisoned not more than 30 years, or both.

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