BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
On XX/XX/XXXX, a bill pay was initiated from our Bank of America ( BoA ) checking account to a " XXXX XXXX XXXX '' for {$2900.00}. We ( XXXX and XXXX XXXX ) do not have such a card. Transaction may have been started on XX/XX/XXXX according to bank, but transaction date listed as XX/XX/XXXX. 

We initiated a fraud claim with BoA on XX/XX/XXXX ( XXXX ) immediately upon noticing, they started an investigation. We changed passwords and added notifications to the account. 

On XX/XX/XXXX we received a letter from BoA denying claim, stating that " transaction completed using a devise consistent with previous valid account activity. '' On XX/XX/XXXX we called BoA for additional information. The said it was paid to credit card account XXXX XXXX XXXX XXXX ( not ours ), and were unable to immediately identify what device initiated the transaction. They are supposed to be sending more info that has not been received yet. 

We called XXXX XXXX fraud at XXXX and they verified that the account above did receive a payment for {$2900.00} on XX/XX/XXXX, but were unable to do anything further. They said the account belonged to a " XXXX XXXX ''. 

We both pulled current credit reports and no new credit cards were listed in our names. 

On XX/XX/XXXX spoke to XXXX at Bank of America Fraud. He said that BoA cant provide specific device info, but identified it as a cell phone, IP address as XXXX, which is out of XXXX XXXX, MI ( near XXXX ). His theory is potentially the SIM card was swapped, but needed us to work with XXXX to provide some evidence of that. 

BoA will not re-open dispute without evidence that device was not in out possession. Recommended reaching out to XXXX. 

Went to XXXX store, unable to provide info but gave global fraud # of XXXX. Called number, referred to website to put in inquiry. Went to XXXX, XXXX XXXX XXXX and assigned # XXXX. 

Went to XXXX Police Station for copy of case XXXX. Case was closed, no info added beyond what we submitted. Police not taking action. Provided police with IP address update.

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 2017-05-17
Company: Colony Brands, 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: Information belongs to someone else

Complaint:
XXXX   XXXX   XXXX   client  XXXX   XXXX  ( formerly  XXXX  ) is an identity theft victim. Someone used her information to apply for a credit card with  XXXX   XXXX   A  dispute of the application was submitted to  XXXX   XXXX   XXXX / XXXX / XXXX  certified mail with return receipt. In  XXXX   XXXX  a review of her credit reports was conducted and the  XXXX   XXXX  inquiry was still listed. Contact was made with  XXXX   XXXX  and we were advised that by  XXXX  the inquiry would be removed. A check of the credit report was done again in  XXXX   XXXX  and the  XXXX   XXXX  inquiry was still listed with  XXXX   XXXX . A formal dispute was sent electronically to  XXXX   XXXX   XXXX / XXXX / XXXX  ; as of  XXXX / XXXX / XXXX   XXXX   XXXX  confirmed  XXXX   XXXX  is reporting the inquiry as valid. At this point there are now several violations of the FCRA from Both  XXXX   XXXX  and  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
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: Credit inquiries on your report that you don't recognize

Complaint:
I submitted a copy of the letter to equifax stating the inquiries made to my credit report on  XXXX   XXXX ,    2017  were submitted in error. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company has been calling my florida cell phone number multiple times per day, against state calling laws, despite me warning them previously. Just for example, I have received more th an one ca ll per day from  XXXX   XXXX  every day with the exception of the  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Self Financial Inc.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Self ( formerly known as Self Lender ) and XXXX XXXX XXXX regarding an unauthorized credit account opened in my name, causing adverse effects on my credit report. Despite numerous attempts to address this issue directly with the bank, they have failed to rectify the situation, resulting in significant financial and emotional distress. 

In XXXX, I became aware of an active credit account with Self/XXXX XXXX XXXX on my credit report, which was initiated without my knowledge or consent. Upon discovering this account, I promptly initiated contact with the bank to report the unauthorized nature of this account. 

In response to this concerning discovery, I took immediate action by following the necessary procedures for cases of identity theft. I filed a report with the Federal Trade Commission ( FTC ) and with local law enforcement, providing comprehensive documentation to support my claim that the credit account in question was opened fraudulently without my authorization. 

Despite engaging in multiple conversations with representatives from SelfXXXXXXXX XXXX XXXX and furnishing them with all the relevant evidence, including the FTC identity theft paperwork and the local police report, the bank has failed to take the appropriate steps to remove the unauthorized account from my credit report. This neglect on their part has resulted in an unjust and detrimental impact on my credit score, affecting my financial standing and causing undue hardship. 

As a consumer, I believe I am entitled to accurate and fair reporting of my credit information in accordance with the Fair Credit Reporting Act ( FCRA ). SelfXXXX XXXXXXXX XXXX failure to address and rectify this wrongful reporting is a direct violation of the FCRA, and I am seeking your intervention to ensure the bank fulfills its responsibility to promptly remove the unauthorized credit account from my credit report. 

I respectfully request the Consumer Financial Protection Bureau 's intervention to thoroughly investigate this matter and ensure that SelfXXXXXXXX XXXX XXXX fulfills its obligation to promptly rectify the erroneous reporting to the credit bureaus. Additionally, I urge the Bureau to take necessary measures to prevent such negligent reporting practices in the future. 

Enclosed, you will find copies of all the relevant correspondence, documentation, and evidence submitted to SelfXXXX XXXX XXXX pertaining to this issue for your review and investigation. 

I am grateful for your attention to this crucial matter and eagerly await a swift resolution to correct this issue. Please feel free to contact me if further information or clarification is needed to expedite this process. 

Thank you for your assistance in addressing this pressing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Inaccurate Personal Information. Too many different names and addresses attached to my personal credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Nelnet, Inc.
State: MI
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:
( XXXX ) XXXX  you have No Standing in using my identification. 
( XXXX ) XXXX  your note is not binding because it was not completed in a federal lender who orginates federal student loans website required for electronic signatures by the U.S. Department of Education and the Higher Education Act who governs the federal consolidation loan and for other important issues.

( 3 ) Transuion do not send my complaint to any agenies. XXXX just you mentioning this in your letter violatates the Fair Credit Reporting Act for accuracy in reporting. XXXX remove Nelnet student loans off my credit report in 4 days. 

( XXXX ) Nelnet I sent a complaint to the Michigan Attroney General Consumer Protection Complaint and Nelnet responded with tell her to contact the Default Resoution Group.. XXXX  just XXXX mentioning for me to contact that agency violates the Fair Credit Reporting Act for accuracy in reporting on my credit reports I will not be contacting ED Default Resolution Group . 

Nelnet your note was terminated XX/XX/2023 for not being done in the federal orginator lender website and other important issues. XXXX  remove yourself off my credit reports immediately with in XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I want to bring to your attention a persistent issue regarding my account with XXXX XXXX, which has been inaccurately reported as having late payments. I would like to emphasize that I was specifically advised not to make any payments until I was successfully enrolled in the My XXXX  XXXX  program. Despite my diligent efforts to resolve this matter through communication and inquiries, the late payment notation has continued to appear on my credit report. I have made multiple attempts to address this issue with your customer service representatives, but the problem remains unresolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-17
Company: Checkr, Inc
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On  XXXX   XXXX ,   XXXX  , the service calle d Checkr was a sked to run a background check by my potential employer-  XXXX   XXXX   XXXX   XXXX   (    XXXX   ). When I received a copy, there was a charge that was completely incorrect included in the report, and it is keeping me from getting my job. I have never been guilty of a felony in all my life! This charge was thrown out, because I was coerced into taking a plea for things I did not do. I had this same problem with a company called  XXXX , also with  XXXX , but they did correct the issue. Unfortunately,  XXXX  is no longer using  XXXX , so they wanted to run anoher check with their new company, Checkr, and I 'm having he same problem. I applied for this job back in  XXXX , so I am getting fed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: DISCOVER BANK
State: NJ
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:
There was a hard inquiry on my credit report that I didnt recognize. Disputed with XXXX as well as Discover. Inquiry is being reviewed by XXXX and Discover is in the process of canceling the inquiry as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-17
Company: ASTORIA BANK
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX   XXXX   XXXX , We have had a mortgage with Astoria Bank since  XXXX . It is on a condo in  XXXX  FL. The community is located in a flood zone. For the pa st 7-8 years ( maybe more ) our association has provided a fax to confirm the flood insurance is in place. During this time Astoria continuously discards the policy ( some black hole ) and then proceeds to harass for weeks on end about obtain ing proof of insurance. My wife and I take it upon ourselves, each year, to fa x ( to a generic fax )  the policy over. This too becomes lost at times and they wont provide email addresses for us to scan so we can confirm receipt. Sometimes this process takes weeks and then we receive a " forced '' flood policy of {$1900.00} and they then want an increased payment. I spoke today to  XXXX   ( today ) regarding the increased payment and she wanted to scurrying me along to the insurance department, which is wrong so I asked for a manager.   XXXX   XXXX , claims to be a supervisor, told me I should have just asked for an escrow analysis, my response was " that was  XXXX  's job ''. In closing this is an ongoing and chronic situation where a mortgage bank is failing to provide the necessary service and bullying their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, 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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted XXXX numerous times in order to resolve the debt they are trying to collect in the amount of {$1200.00} from XXXX XXXX XXXX. I had XXXX protection on the account in the event something may happen. I received a XXXX that made me a XXXX XXXX XXXX XXXX Veteran that caused me to become delinquent on any lines of credit that I had open. I was never sent an initial collection notice in order to dispute the debt upon initial reporting. I have called, as well as emailed in regards to this and gotten nowhere minus a new negative mark on my report with each month since my initial dispute. When going to the companies website, it says that it is unable to retrieve details of the account. I am at a loss with this company and only wish to resolve this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
CALIFORNIA SECRARY OF STATE ( COMENITY SERVICING LLC ( # XXXX ) Comenity Bank XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX Description of complaint : I had a balance was {$1600.00} on my Victoria Secrets credit card. I paid off the account with 2 payments on XXXX for {$900.00} & {$780.00} totaling {$1600.00} inside a store location with cash. I got the statement today ( XX/XX/ ) and it shows that this business still charged me interest of {$19.00} even though the account was paid off prior to the interest occurring XXXX This is an erroneous charge. 

XXXX XXXX XXXX Complaints ; XXXX  complaints closed in last 3 years 2,148 complaints closed in last 12 months Other Complaints Filed ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Other Complaints Filed - California State Attorney Generals Office XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: DISCOVER BANK
State: NJ
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:
There is a Hard Inquiry on my credit report of XXXX  with the name of Discover Financial Ser ( see attachtment ), I have tried to dispute this with XXXX  and also Discover but both company denied to help me in this. 
I do not have any credit card or account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: EQUIFAX, INC.
State: ID
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sunrise Credit claims I owe a debt to XXXX XXXX XXXX XXXX. I have never opened a mobile account with XXXX XXXX XXXX and this is an attempt to collect a false or fraudulent debt. 

I want Sunrise Credit to furnish supporting documents of said debt including signatures, photo ID, address associated with the account, payment used to open the account, and where the account was opened. 


SUNRISE CREDIT SERVICES XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NY 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 2021-06-13
Company: FIRST HORIZON BANK
State: SC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: CCF Intermediate Holdings LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Tuesday XX/XX/XXXX I the Secured party creditor sent a letter certified mail which contained a proof of contract request between the secured party and the president " XXXX XXXX '' of speed loan company making these commercial claims against me. " Without prejudice ''. If one cant provide the information within 30 days they must by law remove the derogatory mark. " XXXX '' my rights are governed under this law. Now following my due dilligence I have made a report to identitytheft.gov to report the theft of this debt collector making these claims that I the good faith creditor blood and flesh owe a debt in the United States of America. Next I have come to the CFPB because by law this collector has violated my rights. Furthermore this collector was place on my credit without my written permission. 15 usc 1681b under this title and section my rights are governed. Also this collector is in vioation of 15 usc 1681n Civil liability for willful noncompliance. Which states ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 

I never authorized this consumer transaction and i never authorized the furnishing of this this transaction.

Company response to consumer: Closed with explanation