BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-07
Company: Experian Information Solutions 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:
My identity was stolen and used on XXXX XXXX. 
I have filed a police report and FTC complaint and they refuse to remove these fraudulent items from my credit report. 

ACCOUNTS REPORTING TO EXPERIAN : XXXX XXXX XXXX XXXX THEY MUST BE REMOVED AND VOIDED 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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2021-04-28
Company: KEYCORP
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I applied for a credit card with Key Bank. They sent my a denial letter that started I had recent late payments, bankruptcy or judgement, multiple new open accounts, short credit history. To my knowledge none of this was correct. I pulled my credit report for all 3 agencies and none of these items were found. I contacted the bank and they told me they were looking at my report and could see these things so I needed to file a dispute with the credit agencies. I explained I pulled and printed my report and none of these items down so there was nothing for me to dispute. I asked for more information they refused to provide it. I asked for a copy of the credit report they were looking at they refused to provide it. The Bank Manager said I needed to come in with my printed copies I said absolutely when can I do that he said he didnt have time for this and hung up on my face. I called back and tried to speak with someone else I was told I would get a call back and never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I been fighting with them told them my account is not mine and asked for signed papers to show my signature they will not show them just sends other paperwork. I have also told them not to call my work number and not to call at all and they still do and harass me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10
Company: PENTAGON FEDERAL CREDIT UNION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Pentagon Federal Credit Union refuses to provide certain services to consumers who do not effectively communicate via telephone. I contacted Pentagon Federal via chat with a service request and PenFed representatives XXXX XXXX informed me that there is a security reason that Pentagon Federal is not able to provide reasonable accommodations to consumers who do not communicate via telephone but failed to provide any details on what the security reasons are and why it is a burden for PenFed to provide reasonable accommodations to a class of consumers with disabilities and to ensure secure access to all services provided to the public to all customers, nit just the customers who are effective telephone communicators.

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 2022-11-11
Company: EQUIFAX, INC.
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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
FAIR COLLECTIONS & OUT - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
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:
ON XX/XX/2021 I XXXX A LETTER ASKING EQUIFAX, XXXX  AND XXXX  TO INVISTIGATE MY CREDIT REPORTS BECAUSE THERE WAS INACCURATE INFORMATION ON MY REPORTS. TO THIS DATE THEY HAVE RESPONDED TO ME ABOUT ANYTHING. I PUT 10 ACCOUNTS FOR DISPUTE ON THE LETTER AND I HAVE YET TO GET ANY RESULTS. 

1.XXXX  XXXX  AACNT  # :XXXX  2. XXXX  XXXX XXXX  AND XXXX  TOT ACCNT # : XXXX  3. XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  ACCNT # : XXXX 4. XXXX  ACCNT # XXXX  5. XXXX  XXXX  ACCNT # XXXX  6. XXXX/XXXX  ACCNT # : XXXX  7. XXXX  ACNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX USC Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT LISTED BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX Balance Owed : XXXX} Late open XXXX XXXX Balance Owed : {$XXXX Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {XXXX} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {XXXX} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : XXXX} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {XXXX0} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$XXXX} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$XXXX} Date Opened : XX/XX/XXXX XXXX XXXX & XXXX XXXX Balance Owed : {XXXX} XXXX XXXX Balance Owed : {XXXX Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : XXXX} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {XXXX} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$XXXX} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Global Trust Management LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/23 at XXXX I received a phone call from someone named " XXXX XXXX who did not disclose his name. I called back and was told that was his name. The number that called me was XXXX. When I called back, I was told it was an answering service. This person stated that he represented " Global Trust Management '' and was asking me to identify personal information. I informed this person that I am at work and would need to discuss this afterwards. I also asked the person to identify themselves, that I am a victim of identity theft and that my information was on the dark web and therefore, I can not confirm or deny any personal information at this time, until I could verify them. He then said, I'm going to advise my client to move forward. He threatened action because I did not verify with him and he did not verify with me. He kept speaking over me, did not give me any verifying information of the company. He threatened me twice with " I'm going to tell them to move forward. '' I don't know what that means. I don't know if this is a scam. I have not received any written notification of any debt. I would like to file a complaint in regards to the language of the caller and the manner that the call was being conducted as well as the threat to tell someone to move forward. Move forward with what? That's very disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Big City Finance, LLLP
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took a loan for {$750.00} made four payments, 2 months of XXXX XXXXXXXXbiweekly and should have covered the loan and interest which is XXXX XXXX   day/ {$100.00} loaned, I have paid back the loan plus interest, but they are trying to continue to debt my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: ONLINE Information Services, Inc.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... ONLINE IN SV ( Original Creditor : XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  ) XXXX ... XXXX  XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX  XXXX  XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX, XXXX 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. 

My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, XXXX  Account XXXX XXXX XXXX  Account Number 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.

My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, XXXX  Account XXXX XXXX XXXX XXXX  Account Number # 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. 

My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, XXXX  Account #, XXXX XXXX Account Number 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. 

My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, XXXX  Account #, XXXX XXXX XXXX Account Number 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. 

My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, XXXX Account #, XXXX XXXX XXXX Account Number 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. 

My legal rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
This issue came to my attention in XXXX of this year. 
I had a credit card account with XXXX XXXX  through BJs. The credit card offered balance transfers that were useful to me. 
I took 2 balance transfers through XXXX XXXX. Please see the attachment titled 4_22 statement. This shows the 2 plans that I had in place. I was making $ 100 monthly payments that were being applied on a 60/40 split between the 2 plans. 

The first plan had a balance of {$3600.00}. On XX/XX/XXXX the plan expired and the interest increased from 0 % to 19.9 % interest. 

I made a payment of {$3700.00} on XX/XX/XXXX in addition to my regular payment of {$100.00}. Please note that on XX/XX/XXXX the plan with the balance of {$3600.00} had an interest reate of 19.9 %. 
I sent in enough to pay that balance off. ( {$3800.00} ) The payment was incorrectly applied to the balance transfer that I had just taken out XX/XX/XXXX. That plan had an expiry date of XX/XX/XXXX. 

The allocation of this payment does not make any sense. The higher interest portion of the account received less than 1 % of the money that I sent in. The 0 % interest portion of my account received {$3700.00} ( >99 % of the payment ). 
The first response that I received from XXXX did not address the XX/XX/XXXX payment but did state how payments are applied. 

They stated that higher interest balances are paid first. ( see screenshot XXXX ) This was not done with my payment of XX/XX/XXXX. That payment should have eliminated the high interest balance of {$3600.00}. ( Now at 19.99 % ) I did not notice this error until XXXX when I made a lump sum payment and discovered that I was being charged interest due to a bank error. I was charged over {$390.00} due to a bank error. 
I phoned BJs XXXX  and was told that I would need to write a letter. I did that. 
The response was surprising. ( screenshot XXXX ) Whoever sent the reply did not address my concern at all. It was a very condescending customer service communication. 
I wrote again, with more detail and screenshots. I received a brief message saying that the issue would be researched. 
Nothing was done and the account was transferred to Capital One. I had several lengthy phone calls with Capital One and it looked like the issue was going to be resolved. Last night ( XX/XX/XXXX at about XXXX XXXX  ) I received a phone call from XXXX at Capital One who basically told me that it was a XXXX XXXX  issue and not Capital One 's. There was nothing that they ( Capital One ) would or could do for me. 
It is true that it is a XXXX XXXX  error, however XXXX will not help as the account has been transferred to Capital One. 
This has been going back and forth for months. I am asking if you can resolve this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX, XXXX  Bank of America have unfairly stayed with my savings account over {$9000.00} after my accounts closed regarding a check problem in my checking 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 2023-11-29
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:
I am currently in the midst of buying a home, and during the examination of my credit report, I discovered unforeseen damages that are impeding my progress in the home-buying process. Despite multiple attempts to reach out to this account ( s ), expressing my concerns and requesting assistance in resolving this issue, I have not received any support or resolution, despite their awareness of the violation and also sending them requested documents of a Police report, ID, and SSN as I am a victim of identity theft. 


In accordance with the Fair Credit Reporting Act, the listed account has violated my federally protected consumer rights to privacy and confidently under the 15 USC 1681.

Law 15 USC 1681 Section 602A states I have the right to privacy.

Law 15 USC 1681 Section 604A section 2 states : It also states a consumer reporting agency can not furnish accounts without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: EQUIFAX, INC.
State: CA
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. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX I WAS TOLD I HAD 90 DAYS OF MISSED PAYMENTS ON MY CREDIT CARD THIS LEAD TO MY CREDIT SCORE DROPPING XXXX POINTS. THIS INFORMATION IS UNLAWFUL AND INACCURATE. THIS INFORMATION BEING WRONGFULLY REPORTED ON MY REPORT IS STOPPING ME FROM PURCHASE MY DREAM HOME. BY LAW WITH THE FAIR CREDIT REPORTING ACT SECTION 15 usc code 168b IT IS ILLEGAL WITH OUT MY CONSENT TO 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 2023-11-27
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I have been trying to submit my payment for our mortgage, due on XXXX  for about a week now. I have tried accessing the website XXXX XXXX XXXX XXXXXXXX XXXX as well as calling the pay-by-phone number ( XXXX ). Our monthly statement says it is XXXX subserviced by LoanCare. The amount due on XXXX XXXX XXXX. No e-mail address is provided by the company on our paper statement nor could I find one online to start creating a paper trail. When I call the number XXXX XXXXXXXX XXXX I receive a message " call could not be completed due to technical difficulties- please try again '' and then the line hangs up. I have the money ready to submit and I want to make sure that no late payment is recorded so that I do not have to deal with a late payment being reported to credit monitoring companies and so that I do now have to deal with any late 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