BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Friday XX/XX/21 at XXXX PM I received a text message from ( XXXX ) XXXX saying " Free Msg-Bank Of America Fraud Alert- Did you attempt a pay a friend payment for the amount of {$3500.00}? Reply YES or NO or 1 to Stop Fraud Alerts '' I replied " No '' The number then texted me back saying " Free Msg-Bank Of America Fraud Alert- A representative will contact Reply YES or No or 1 to have a representative contact you '' At XXXX XXXX I received a phone call from ( XXXX ) XXXX from a representative at Bank of America XXXX He told me there was a XXXX XXXX from XXXX Florida trying to access my funds. He said in order to reverse the {$3500.00} that was taken we would need to set myself up as a recipient thru my bank mobile app. I added myself as a recipient with my First and Last name and my email. He said we will do this in 2 transactions, the first transaction I will be sending myself {$1000.00}. The second transaction will be {$2500.00}. I only had {$1000.00} in the account on that day. I explained that I will be negative if I complete these 2 transactions. He assured me that I was paying myself and reversing the " fraud activity ''. I questioned it again and asked if I can just complete this process at a bank. He assured me that the funds will reflect in about 45 min to an hour on my bank statement. He gave me a claim number of " XXXX '' and asked if there is anything else he can help me with. I thanked him and asked him for his name. He replied with " It's uhhh ... .XXXX '' And hung up. My heart sank and I immediately called Bank of America to dispute the transaction. They told me that it is not considered fraud because I had authorized the transaction. I called the local police department ( XXXX Police ) to file a police report. An officer called me back and told me that the XXXX number that had texted me was from Michigan and that this is now a Federal issue because it is across state lines. The police officer told me to use this website to report the fraud activity.

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 2023-08-30
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-03-23
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-04-29
Company: Consumer Portfolio Services, 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:
XX/XX/2022, Consumer Portfolio ran my credit unknowingly which resulted in a hard inquiry on my credit report. I called the company to resolve issue, no action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Resurgent Capital Services L.P.
State: NJ
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 sent a letter to LVNV Funding regarding a collection on my credit report requesting proof showing that this belongs to me. they sent me back a statement dated XXXX XXXX-XXXX  2016 with my name and a address that I never lived. and demanding that I pay it. this account is not mine, Someone is using my personal information to establish credit account ( s ) to obtain goods and or services. I never lived at this address and I have never opened, nor did I authorized anyone to opened nor did I benefit, or will ever benefits from the account in question ( reference ID. XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, 2017, XXXX XXXX XXXX add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: FC HoldCo LLC
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 information incorrect

Complaint:
During the early stages of the Covid pandemic, I experienced an income loss that temporarily prevented me from making an auto loan payment on my active loan with Flagship Credit Acceptance. Through the CARES ACT, I was granted a temporary forbearance, and I have since resumed payments and brought the loan current. However, despite that, Flagship Credit has continued to report to the credit bureaus that my auto loan payment has been late since 2020, and continues to report the account late today! According to the CARES ACT, none of these delinquencies should have even reported to begin with. I have asked Flagship Credit Acceptance to correct my pay history on several occasions, but they never take any action to correct the matter.

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 2023-05-06
Company: EQUIFAX, INC.
State: AR
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 2 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX  Balance : {$320.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: MD
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 items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: FISERV INC.
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
https : XXXX Husband thought the eip debit card was a scam so cut it up. Have seen information that it may have been legitimate. " Money Network '' company? Below is on their page : " Go to Money Network home page Lost or Stolen? 
XXXX Go to Money Network home page HomeFAQsATM LocatorContact Us Login Start using your EIP Card Your Economic Impact Payment Card contains the money you are receiving as a result of the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ). The EIP Card is sponsored by the Treasury Departments Bureau of the Fiscal Service as part of the US Debit Card Program. Now that youve received your Card, heres how to activate and start using it. 

SafeConvenientSecure economic impact payments card '' Another site says, " If you do throw the card away, you can get a replacement by calling customer service at XXXX XXXX XXXX XXXX XXXX, according to XXXX, which provides information on how to use the cards. While the cardholder agreement says it costs {$0.00} to replace the card the first time, there is a {$17.00} charge for priority shipping of the new card. '' That'd be great if the phone number actually got you to customer service or a real person. The phone options do not allow you to get farther than it wanting you to input the card number - you know, the number on the card you destroyed ...?? Help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items or information that is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXXXXXX Inquiry :XX/XX/2023. 

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, 2017, LVNV FUNDING LLC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA LVNV FUNDING LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: NY
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:
Company : XXXX Account # XXXX XXXX XXXX  I reviewed my consumer report and noticed there is inaccurate information reporting on my credit report. Account is reporting under someone else 's name. 


I contacted Equifax and requested investigation & removal of inaccurate account from my report. Such proof has not been provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: EQUIFAX, 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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXXXXXX XXXX Balance : {$290000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: CA
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 submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$250.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
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: Information belongs to someone else

Complaint:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here is the account that need to be removed from my file : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: EQUIFAX, INC.
State: MD
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Lender Placed flood insurance was purchased by the mortgage company even though the house was destroyed by fire and the mortgage company was aware of this and had all the official documentation sent to them outlining that the house was a total loss, flood insurance could not exist on property without a house etc. they have refused to refund the lender placed insurance back into our escrow account thus causing our monthly payment to increase.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was denied access to My American Express Serve card account balance to buy groceries and pay bills. This occurred in XX/XX/2022. I called the customer service number XXXX XXXX and the recording said I needed to register a new card that I never received. My card was still valid. I could not get a human to answer the phone. The E-mail section of XXXX online did not respond. I repeated this process in XX/XX/2022 to no avail. 

This denial is ongoing and I have suffered financial harm from this electronic fund transfer denial and have been charged a monthly fee for XX/XX/2022 for services I can not access. This is fraudulent illegal activity by this bank. 

I thank you in advance for helping me to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
Company: BANK OF THE WEST
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Submitted a boat loan application to Bank of the West on XX/XX/21. Received a denial for credit on the morning of XX/XX/21. I reached out to them for an explanation and was told my " DTI is too high ''. I provided supplemental documentation and a complete calculation of my debt vs. my income, as stated on my credit report. My DTI is under 40 % with the requested financing, which is the threshold for qualification. However I was still denied, despite having sufficient income and an average credit score of XXXX. I meet all of the lending guidelines which leads me to believe that a violation of XXXX may be in play here. I suspect it's due to me being pretty young for a typical boat buyer.

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 2020-06-03
Company: NAVY FEDERAL CREDIT UNION
State: OH
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 have disputed this account multiple times and it continues to appear on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have been trying to remove portfolio recovery off my account for almost two years through disputing by letters and phone calls. Portfolio deliberately keep updating incorrect information they bought illegally from another company. I donot have or ever had a legal binding contract with portfolio recovery. I reported this numerous times to experian but they kept reporting inaccurate information on my account. I spoke to a representative at XXXX  on XX/XX/2023 and told him portfolio recovery was not on my other credit reports and his response was we dont care that the other credit bureaus dont have portfolio recovery on your profile but this will remain on your credit report because we go by what the creditor is saying very nasty individual who transferred me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 : XXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

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