BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I transferred Funds from my checking account via XXXX to my friend whom also banks with the same Institution. I received a notification that he did receive funds. Almost three years later he tried to use his XXXX and was told he had never used XXXX. He said he did because I sent him money. He looked back into his account and he NEVER received the funds. However, the funds are gone from my account and I have confirmation text that he did receive it, but he in fact did NOT. Bank of America stated its been to long and they cant do anything about this matter. I was finally able to get Bank of America to file a claim. He did not receive the funds and the funds were taken from my account. Where are the funds is what Bank of America needs to prove to me!

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: NC
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 XXXX XXXX and I am submititng another CFPB complaint regarding fraudulent items I found reporting on my credit report. I have discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. I need the Credit Bureaus to investigate and remove the following items off of my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
All of my XXXX XXXX Loans were discharged by the Department of Education under the closed school discharge. This should leave only two loans for XXXX  XXXX XXXX ( loans 12 and 13 ). 

As of last week ( XX/XX/XXXX ), all of the loans were correctly discharged as they should have been except two of them - Loans 4 and 7. Loan 7 had a balance of {$.00} which I paid to get it gone and out of the way since it was only XXXX XXXX. However, Loan number 4 has been sitting with a balance of {$89.00}. I have contacted Navient multiple times since then to get it corrected. I have even offered to provide the print out from the Dept of Ed Student Financial Aid site showing that they have all been fully discharged. Navient continuously passes the buck back to the Dept of Ed and refuses to fully discharge this loan and make it a XXXX balance like they are supposed to. 

Today ( XX/XX/XXXX ) I called because I had a {$150.00} credit on another loan ( loan 9 ). I had called yesterday ( XX/XX/XXXX ) and asked that they apply it to loan number 13. When I woke up this morning, I had discovered that they applied {$140.00} to loan 13 and {$8.00} to loan 4- the loan that should be fully discharged!!!! And regardless, the money should have been put exactly where I asked it to be. They were able to get that part fixed fairly easily which was good.

So then I once again brought up the fact that loan number 4 was supposed to have been 100 % fully discharged under the closed school discharge that I received and ALL XXXX XXXX loans should be {$0.00}. I mentioned that I have proof ( which I did attach to this CFPB complaint ) from the Federal Student Aid site that ALL XXXX XXXX loans are discharged and show a {$0.00} amount. They once again tried to pass the buck to Dept of Ed and say they are the only ones who can fix it. I asked for a supervisor and was magically disconnected. 

I took a break from it because I was super mad then and called the Dept of Ed and they said the exact same thing- ALL XXXX XXXX LOANS SHOULD BE FULLY DISCHARGED and that Navient is incorrectly passing the buck. They recommended I file a CFPB complaint to get Navient to do the correct thing so I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
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:
Going over my monthly consumer report I've noticed that Equifax is reporting multiple accounts that's inaccurate and reporting unlawfully. They are reporting accounts that are not verified nor have my consent to report. I have a right to privacy in which this account never had permission form me which violates that right. I ask that Equifax thoroughly investigate these account to ensure all accuracy. There are no agreement between me and any of the companies reporting so how can there be a debt if there was never a balance agreed to be paid? where's the authorized signature from me? If Equifax continues to report these accounts knowing they're not verifiable then that's another violation against my rights on their end. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, I demand that these accounts be removed if you can not provide to me any signed agreements between me and the creditor reporting these accounts with my permission to report these accounts.

Violations committed by Equifax : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/2023 I received the following email from chime member services : Following a recent review of your Chime Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Chime Checking Account will be closed on XX/XX/2023. 
If you have a Chime Savings Account, per the terms of your Deposit Account Agreement, your Savings Account will also be closed. 
If you have ACH Debits or recurring debit card payments, please notify the originators immediately to avoid disruption with your future payments. ACH debits and recurring debit card payments may be rejected after XX/XX/2023, however we still encourage you to redirect your ongoing direct deposits and bank transfers to avoid any delay in receiving your funds. 
Sincerely, The Chime Team - I immediately called them but was told by multiple agents that there was no specific reason to why my account was closed and that any funds would be mailed to me in a form of a check. 
I even contacted them via email to get some more information on why this was happening and I still havent gotten a response. I am locked out of all of my funds and now dont even have money to buy groceries or to pump gas so I can get to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft

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 2023-10-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates sent me the consumer [ XXXX XXXX ] a letter on the following date XX/XX/2023 about an alleged debt. 
After looking into the alleged debt in all three ( 3 ) Credit reporting agencies I then moved forward to dispute this alleged debt with Portfolio Recovery Associates. 
On XX/XX/2023 I sent Portfolio Recovery Associates a Dispute letter tracking # XXXX of validation of the debt. 
I did receive a response from Portfolio Recovery Associates on XX/XX/2023 with a validation of the alleged debt. After reviewing their validation letter, Portfolio Recovery Associates did not send me proper and lawful validation according to XXXX XXXX XXXX XXXX for validation of debts. I responded with a cease and Desist letter tracking # XXXX letting them know that they failed to properly validate the alleged debt. In return they sent me another letter reasserting that the investigation that Portfolio Recovery Associates conducted was indeed valid. Portfolio Recovery Associates did not follow lawful guidelines according to 15 USC 1681a ( e ). 
Portfolio Recovery Associates never sent me any of my consumer disclosure rights that I have as a consumer or any proper permissible purpose from me [ XXXX XXXX ] the consumer mentioned here. 
I have the right to dispute a lawful validation of debt pursuant to 12 CFR 1006.34 Notice for validation of debts under the FDCPA.

Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) They Are PROHIBITED BY LAW to furnish any public information without informing me about my consumer rights which Portfolio recovery Associates did continue to furnish my public information without having permissible purposes, from [ XXXX XXXX ] pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports.

Portfolio Recovery Associates LLC is in violation of the following Laws ; 15 U.S. Code 1681a ( e ) - Definitions ; rules of construction 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports.

15 U.S. Code 1681 q - Obtaining information under false pretenses.

18 U.S. Code 1028A - Aggravated identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
hi i was placed in XXXX XXXX after the debit was paid. i was placed in XXXX XXXX  for an error on bank of americas part they didnt do their due delligence at all. i paid them a total of XXXX dollars in XXXX XXXX  to settle all debits they said its paid in full and sent me to XXXX XXXX thats horrible its ruining my lives, i cant do anything.

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 2022-12-30
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Nationwide Recovery Systems, Ltd
State: GA
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:
Nationwide recovery systems are reporting on my credit report and I'm not familiar with this company or owe them any money or have a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Concord Servicing Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
We have contacted Blackwell Recovery and advised them to stop contacting us. We have sent multiple letters advising them to provide verification that they are authorized to act on behalf of XXXX XXXX XXXX XXXX 
They continue to reach out to us without the requested information provided. 
We have requested that they cease and desist all collection efforts, reporting a soliciting from their services. This is absolutely ridiculous for them to be still reaching out to us. This is extremely frustrating and stressful. The calls and the letters must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Please refer to case XXXX US bank mentioned in their doc that they confirmed with XXXX  that the transaction was successful and the receipent was credited on XXXX XXXX. However, that was not true. The receipent is my wife, and she did not get the money in her 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 2023-05-19
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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. 

PLEASE SEE ATTACHED LETTERS.

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 2021-07-22
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:
On XX/XX/21 my husband and I went to Kohls to purchase shoes for a wedding that we traveled 4 hours to go to. At checkout the associate asked if I wanted to apply for kohls rewards that would give us 30 % off, I said yes. She instructed me to follow the prompts on the credit card pin pad. Once I finished entering my information, she got on the phone which was strange to my husband and I so I asked why she was on the phone. She then said she was talking to the back office about my credit card application. 

I immediately told her that is not what she told me I was applying for and that I do no want a kohls credit card. She told me I would not receive the 30 % off then, I told her that was fine and I did not want a credit card so she hung up the phone. 

I was recently notified that Kohls is reporting a credit card to the credit bureaus. That kohls associate needs to be reprimanded for falsely leading me to sign up for a credit card and calling it " rewards ''. So I didn't get the 30 % off my purchase AND STILL received the credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
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: Account information incorrect

Complaint:
all these items were taking care of in a bankruptcy i did. They should not be reporting on my credit report. I have been trying to dispute these items for the past 7 months and they keep giving me the run around. first they asked for id, ssn and a bill. They they say they will not process because it looks like letters do not come from me. I have replied to every letter they send me and they still failed to investigate my disputes. They just keep delaying and not investigating

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: NC
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 USC 1681. 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 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 crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish wny 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 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 2021-10-01
Company: Experian Information Solutions Inc.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Spoke to Experian representative on XXXX XXXX who told me I couldn't dispute identify theft because I didn't upload any information. I finally obtained the police report and uploaded it and called them back again. The new agent was able to help even without the uploaded information and didn't even show that I talked to someone in the dispute department. Furthermore the online dispute webpage was inaccessible, making it impossible to perform a dispute online.

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: 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:
This is my FURTHER Complaint about being a victim of identity theft. According to Fair Credit Reporting Act Section 605B ( a ), you are required to remove/block any items opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, CT XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$260.00} ; XXXX XXXX XXXX XXXX Balance  : {$7800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I have sent letters to each TransUnion, XXXX, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile 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 explanation
Consumer complaint received 2021-02-23
Company: Bread Financial Holdings, Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2017 {$840.00} / charge off account This debt company consists reports a debt. On my report, hassment, I have no knowledge of this debt. Please remove immediately, Please deleted Inaccurate information, wrong person

Company response to consumer: Closed with explanation