BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately : Capital One Auto Finance {$9100.00} XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Sallie Mae continues to call and text XXXX times per day. We have talked to them and we have submitted paperwork that loans are not due yet because still a student.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Its has been since XXXX of XXXX to current, I have sent individual FCRA Section 604 letters out to dispute and request written evidence of specific hard inquiries and FRAUDULENT/INACCURATE Accounts on all the Credit report to XXXX. I notice several companies that I do Not recognize nor authorized consenting to.The letter detailed the specific Unauthorized FRAUDULENT Accounts, INACCURATE Accounts, and Inquirys in question and was sent certified mail/return receipt, copies are attached and so are the credit bureau XXXX XXXX. Below are the detailed Unauthorized FRAUDULENT/INACCURATE Account and Unauthorized FRAUDULENT Inquiries I asked to have investigated in early XX/XX/XXXX to Current days date. Unauthorized FRAUDULENT/INACCURATE Accounts XXXX. XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Unauthorized Inquiries XXXXXXXX XXXX DATE XX/XX/XXXX. Please verify these credit inquires that pulled/ viewed my credit without my permission. Within XXXX business days in compliance with FCRA. XXXX AND EQUIFAX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: LendingPoint Holdings LLC
State: OH
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/XXXX XXXX XXXX XXXX submitted a Loan ( without my permission ) to Lending Point. 
XXXX XXXX received {$19000.00} from Lending Point ( a loan that I did not authorize ). 
From XX/XX/XXXX to current, Ive asked XXXX XXXX to refund this lender, and bill me for any balance after my insurance had paid for 3 extraction. 
Ive been told by XXXX XXXX numerous times ( different reps for over 8 months ) that they were refunding Lending Point the entire balance and would correct my account and bill me after insurance paid. My last conversation with XXXX XXXX prior to today was in XX/XX/XXXX in person, and I was informed then that they had computer issues, fired the person responsible, and would correct my account. 

On today ( XX/XX/XXXX ), I spoke with XXXX XXXX of XXXX XXXX, inquiring why they had not refunded Lending Point. 
XXXX informed me that they refunded {$18000.00} to Lending Point, and that {$350.00} was not refunded ( {$350.00} is what I owed after insurance paid ). 
XXXX asked that I pay Lending Point {$350.00} to resolve the matter. 
I refused to pay Lending Point, and I insisted that they refund the remaining balance of {$350.00} to Lending Point since I did not authorize the loan. 
I requested ( of XXXX ) that I pay XXXX XXXX {$350.00} XXXX forwarded a link to me, and I submitted the payment of {$350.00} ( attached receipt of Payment to XXXX XXXX ). 
I requested that XXXX give me something in writing that they would refund Lending Point, and he sent me a ledger. 
According to the ledger that I received today ( XX/XX/XXXX ) from XXXX XXXX ( XXXX ) ; XXXX XXXX refunded {$18000.00}, and kept {$350.00} on XX/XX/XXXX ( see attached ledger from XXXX XXXX ). 

I spoke XXXX at Lending Point regarding having this removed from my credit report, and XXXX instructed me to file a Fraud Report with our Police Department, and send in the report, along with my drivers license to XXXX. 
I asked why the amount on my credit report is {$1400.00}, if they refunded all except for {$350.00}? The response was that it was interest. 
I informed XXXX that I paid XXXX XXXX {$350.00} today, and that I wanted this removed since I DID NOT authorize this loan, nor should it be on my credit report. 

I asked that Lending Point send me a copy of the refund ( s ) that they received from XXXX XXXX. The ledger from Lending Point confirms that only {$18000.00} was refunded, and that XXXX XXXX withheld {$350.00} ( attached ledger from Lending Point ). 
On XX/XX/XXXX, I filed a police report, and file a complaint with the XXXX 
This Loan should be REMOVED from my credit report, and applied to XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX OH XXXX they are the originators, and recipients of this loan. 

This loan has created a negative impact on my credit-resulting in a poor credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
BANK OF AMERICA has put derogatory information on my credit report in relation to this account when in fact the company " BANK OF AMERICA '' wrote the account off with the IRS as a profit and loss so they were compensated for this vehicle. I AM NOT IN POSSESSION OF VEHICLE IN QUESTION. XXXX is reporting this account on my report with a balance that is NOT owed by me. IN FACT THE DEBT HAS BEEN PAID IN FULL! BANK OF AMERICA has not only been compensated by the UNITED STATES GOVERNMENT VIA FEDERAL TAX REPORTING AND BUSINESS CREDIT but XXXX XXXX OR XXXX have NEVER had my permission to report this account on my credit report. HOWEVER THEY ARE ACTIVELY REFUSING TO TAKE IT OFF MY REPORT WITH NO EXPLANATION IN WHICH VIOLATES USC 1681b PERMISSIBLE PURPOSE XXXX, XXXX AND OR XXXX DOES NOT AND HAVE NEVER HAD MY PERMISSION WRITTEN OR IMPLIED TO PUT ANY OF THIS ON MY CREDIT REPORT publicly or privately furnishing this inaccurate information to any credit grantor affecting my chances of gaining credit and having a decent chance at life. especially due to the car not being my car or owned by me and specifically due to the company being compensated by the IRS for said Vehicle

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 2023-09-10
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Enerbank has not been submitting my payment history to XXXX which is significantly impacting my credit score. Please advise them to report my payments for the months of XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: TX
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$720.00} XXXX XXXX XXXX Balance {$470.00} XXXX XXXX XXXX Balance {$260.00} XXXX XXXX XXXX XXXX  Balance : {$2800.00} XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$720.00} XXXX XXXX XXXX Balance XXXX {$470.00} XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Mortgage arrears appear in the credit report when the account is current with XXXX XXXX XXXX XXXX XXXX. Letter is sent indicating account up to date. This has affected my credit.

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 2023-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Friday, XX/XX/2023 I went to my local bank branch ( Bank of America ) to deposit my paycheck from my employer in the amount of {$2500.00} ( get paid every two weeks ). 

Before the teller deposited my check, I asked her to scan it to inform me if there would be any type of hold placed on the funds. She advised me that the following day ( Saturday, XX/XX/2023 ) I would have access to {$220.00} of the funds and that the remaining balance would be available on Tuesday, XX/XX/2023 by XXXX ( as shown on my deposit Client Receipt ). 

The following morning, I received an email from B of A stating that the check would be held until XXXX on Tuesday, XX/XX/2023, citing that check specific information indicated that the item may be returned unpaid. 

The following Monday, I spoke with my employers accountant and was reassured that all Bank of America needed to do was to call XXXX XXXX  to verify the funds and call them to verify that I am one of many, many employees who gets paid with the same business checks without any issues. 

I attempted on three different occasions to get help from Bank of America. Once, by speaking to a customer service representative via their XXXX-customer service number. My second attempt was by going to the branch and speaking with a banker, and my third attempt was by speaking with the branch manager ( XXXX XXXX ( XXXX ) XXXX ) whom I made an appointment to speak with the next day. Each time I was told that there was nothing that could be done and that I would have to wait until XX/XX/2023, XXXX. 

I pleaded with them each time that I had utility bills due, my family and I needed groceries, and I needed fuel for my vehicle so that I could get to work. I explained to them that I was living on a very tight budget. 

With todays technology and the ability to make quick phone calls, it is disheartening that my paycheck funds are being held hostage for the sake of bank policies and procedures that are unfair to the average consumer like me. 

The company I work for ( XXXX XXXX XXXX XXXX ) in XXXX XXXX, does not currently offer its employees direct deposit. Other than having to wait until XX/XX/2023, this was the only resolve Bank of America representatives could offer me so that I would not run into this issue in the future. Had I known from the beginning that this type of hold would be placed on my funds I would have found other means to cash my paycheck. Please help.

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 2023-07-29
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 called AMEX on XX/XX/XXXX to dispute a charge on my card. the dates of the purchase were on XX/XX/2022, for {$2700.00}, and XXXX XXXX for {$9500.00}. When I talked to an AMEX representative she told me that the transactions I did were over a year and they can't do anything with respect to that due to AMEX policies. I explain to them that the company I made the purchase with an AMEX card was under investigation by the FTC due to speaking consumers using false or unfounded promises that its infallible system can help consumers find financial freedom, replace their day jobs, and give their families financial independence. 

According to the FTC, XXXX and its principals, along with the companies behind the scheme ( XXXX XXXX , XXXX, XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX ) have pocketed millions of dollars from consumers while violating numerous laws, including the FTC Act, the Business Opportunity Rule, the Consumer Review Fairness Act, and the FTCs Cooling-Off Rule.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-28
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Since the day Truist bought Suntrust I have had problems almost every month. I NEVER had a single problem with Suntrust until this. 

I continually get accounting inaccuracies, threatening mail indicating I owe more than I do, confusion over my payments, flow days. I am told almost monthly I owe more than I do since my payments are almost never acknowledged. 

Customer service has been hostile, rude, vindictive, hard to understand, unable to process basic XXXX and many times just hangs up. 

Last time I had a problem like this it was with XXXXXXXX XXXX. Later they later failed as a company with all 50 attorney 's general filing a Complaint. 

This company appears to have the same attitude, disregard and violent attitude towards clients. I owe a miserable XXXX XXXX and like last time have NEVER been 30 days late or even close but they continually act out in this manner. 

I have written them and/or called them dozens of times to no avail.

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 2023-07-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I'VE BEEN HAVING ISSUES WITH ACCOUNTS REPORTING ON MY CREDIT REPORT THAT WERE DUE TO FRAUD. I'M ATTACHING MY FTC REPORT ALONG WITH MY POLICE REPORT FOR THIS ITEMS TO BE DELETED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: MO
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 hope this letter reaches you under circumstances conducive to prompt resolution. I am writing to express my growing concern and frustration despite multiple attempt with the unresolved issue of fraudulent items associated with my account. 

Despite my repeated attempts to address this matter through your designated channels, I regret to inform you that all efforts to remove the fraudulent items have been unsuccessful. The persistence of these unauthorized activities is causing me considerable distress, and I am alarmed by the potential impact on my financial standing. 

Ensure the successful removal of all fraudulent items and transactions linked to my account without any further delay. 

Provide me with a comprehensive update on the ongoing investigation into the origins and nature of the fraudulent activities. 

Enhance communication channels to keep me informed about the progress made and the steps being taken to bring about a resolution. 

Implement additional preventive measures on my account to thwart any future unauthorized access or activities. 

I understand that addressing such matters requires careful consideration and timely action. I urge you to treat this issue with the urgency it demands to rectify the situation promptly. 

Your immediate attention to this complaint is crucial. Please acknowledge receipt of this letter and inform me of the steps being taken to resolve the issue. I anticipate your swift response to restore my confidence in your services. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Hi, I noticed there were several inquiries on my credit report. I have made the bureaus aware of this and informed them these inquiries were made without my consent, knowledge, or authorization. I have sent out letters recently and have tried on several occasions to resolve this issue with the companies and banks. I have also sent out letters to the credit bureaus. 

I am hoping you are able to help rectify this issue, as it's frustrating and challenging to be a victim of any company 's fradulent and unethical practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: IN
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: Problem with personal statement of dispute

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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