BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are several collection accounts reporting on my credit report that I have tried religiously to get removed. I hired a lawyer with XXXX law top help me get these items removed from all major credit bureaus. I have requested that they present me with a contract with my signature on it seeking credit to which they have not been able to provide. they continue to update the account indicating it has been verified without providing to me the written verifiable contract seeking credit which are the guidelines and regulations set forth by the fair credit reporting act. 

the collection accounts in question are as follows and note I have never truly been able to utilize my credit in my life because of these negative accounts popping up on my credit file. I beg for a chance at XXXX day the ability to have a fair shake at credit like everyone else. 

accounts in question are as follows : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: NAVY FEDERAL CREDIT UNION
State: MS
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 have recently been a victim of identity theft I have sent relevant information and documents. There are 4 accounts open with NFCU. Each of them have been reporting on a month to month base. The accounts are theft by a family member. I have sent information certified mail. I cant open any services with NFCU, due to the incident and I will like them to take care of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: STERLING JEWELERS, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debt was satisfied in chapter XXXX by way of my husband.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: EQUIFAX, INC.
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:
On XX/XX/2020, I sent via certified mail to Equifax demanding that they provide verifiable proof of several listed accounts. Equifax received this request on XX/XX/2020, and opened an online dispute as if I created the dispute online. There were several immediate notifications of verified accounts that came through within a couple of days. Nothing changed with these accounts and no information was provided how it was verified. 

On XX/XX/2020, I received a copy of my credit report with an explanation that the accounts have been verified. There was no proof of how they verified that the account was accurate and mine as per section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. They have repeated not provided proof from these companies and have let them continually reported inaccurate or accounts that aren't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capitol One, XXXX XXXX XXXX, XXXX XXXX XXXX, Utah XXXX, continues to send mail addressed to " PERSON X '' to our home address. " PERSON X '' has never lived at our home address, nor is he related to us in any fashion.

We have repeatedly refused mail XX/XX/2018-present from Capitol One addressed to " PERSON X '', saying " RETURN TO SENDER - ADDRESSEE NOT AT THIS ADDRESS ''.

I am concerned about potential fraud by the Addressee, and by Capitol One. Who knows, this could evolve into our getting harassing phone calls from Capitol One about unpaid bills!

I have seen the same complaint on the internet about the same company from another U.S. resident. That person said they had called Capitol One and supposedly it was taken care of, except the abuse continued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-03-24
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I opened Up a Huntington Checkings and Savings account because I needed an account to make check deposits, receive my deposits from work and pay my rent. On XX/XX/XXXX I went into the closest Huntington Branch and deposited a total of {$1300.00} into my checkings account to go towards 2 months of rent, on XX/XX/XXXX I attempted to into my mobile account but was unable to I called customer service and they said that my account was closed, I asked for what reason they said they could not disclose that over the phone and that I would receive a letter and the amount I deposited within 7-10 business days and that if I wanted my funds faster i would have to go to a branch and withdraw the money. I went the next day and they said that all the funds hadnt went through and to wait till Friday, so I came back Friday and they said the account was fully closed and there was nothing they could do. So I waited those amount of days no letter and check had came with in the remaining days, I called once again and they said to go to the branch to get the funds, that time over the phone they forwarded me to the collections department and they said that they left a note on my account for the bank tellers to see to give them the ok to hand me the funds. This was about 2 weeks ago from today the XXXX of XXXX. Yesterday the XXXX of XXXX go into my branch due to me having free time and I start the process of starting a withdrawal and I explained to the bank teller my situation he said again there was nothing he could do the account showed XXXX XXXX and it was closed. So I call customer service again and they transfer me to collections and I talked to a representative and was placed on hold, the representative then spoke back with me and said she was informed by someone over her that the check and closing letter was already mailed to me a while ago and I shouldve received it, I told her I didnt and she said well do we have the right address on file I said yes because Ive received other mail from yall including a bank statement for both accounts from XXXX. Yesterday was the last form of communication Ive had with Huntington and since nothing has been received and solved Im escalating the issue even more

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
On XXXX of 2019 I was in a horrible car accident. I literally broke the left side of my body. During this time I was in extreme pain and focused on recovering. As a result I missed a {$9.00} payment to Bank of America and they reported it to my consumer report. I then informed the company of the accident and they informed me to send in letter and they would give me a forgiveness of the late payment. I have sent the letter and they never forgave the payment nor did they contact me about the issue for any other information.

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 2022-12-12
Company: EQUIFAX, INC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Landlords property management sold a repair debt to pacific credit services 5 years after the parties, the landlord and the tenants agreed on stipulate to set a side. The agency is now charging an interest rate on an alleged debt as well as reporting it every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Upgrade, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was pre-approved for upgrade inc Visa card and I applied and then I received a error declined message with bunch of weird numbers on the top of my screen its like Im not a allowed to have a credit card at all.. since upgrade has closed my checking account last year for a check deposit that wasnt mines and my account was a takeover by a thief .. and they havent fully closed that checking account .. and I was looking to get a credit card with upgrade since I have a open loan with them over a year ..I applied for credit card on XXXX I was denied again and again it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX continues to report a fraudulently opened credit card on my credit report, regardless of me telling them verbally and also in written letters multiple times that the account does not belong to me. They sent me a letter earlier today stating that they " believe '' the account belongs to me and is reporting correctly on my report. They have consistently cited that payments were made by " me '' on the account from a bank account, however, this alleged bank account does not belong to me at all. I've told them to provide me proof that this bank account is mine to from which these payments were made. They believe this is my account solely based on the fact that payments were made and questioned me as to why this happened. I am unable to know what is on the mind of a criminal and why they did whatever they did but that does not obligate me to this debt, it is in fact fraud. Instead of investigating this comprehensively they continue to defame my character by continuing to report this and refusing to remove this account from my credit report. The latest dispute only taking two days for them to verify. How can someone do a thorough investigation after only two days. I also blame the bureaus for allowing this to continue the way it has. After my recent dispute XXXX dropped my XXXX score 51 points for no other apparent reason other than them putting a remark on the XXXX account that it was being disputed again. This seems to be a decision that was made in retaliation for me continuing to dispute this account. 
After multiple months of fighting with them I am forced to file a complaint due their negligence in validating this account accurately. This defamation has caused me to not be approved for credit cards and is currently stopping me from applying for a mortgage this needs to be removed immediately. I have also filed a identity theft report with the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
We were unable to use our account during the disputed debit card fees where we kept our balance close to XXXX to document several times and independently confirmed how the BofA account allowed transactions to be processed when there were insufficient funds when the account was suppose to be set to deny charges when funds were unavailable. 

Due to BofA 's slow and poor handling of this issue we had to open an account with another bank and pay that banks monthly fees while we were waiting to see if BofA could offer us the account debit card security we signed up for and expect where accounts can not be overdrawn. 

We were considering continuing our account with BofA, but since BofA continued to handle the issue poorly we did not have the confidence in BofA to keep the account debit cards secure and so could not keep the account active. 

BofA has correctly refunded the incorrect overdraft fees, but we have not received a refund for the 4 months of {$17.00} per month account fees for the months we were unable to use the account due to its dispute status and where we had to open and pay another bank account fees. 

Therefore, we would like a refund of BofA 's monthly fees for 4 months totaling : {$68.00}

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 2020-07-24
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am applying for a loan and need to unfreeze my account at Experian. I have called 10-15 different numbers listed on XXXX as well as logging into my account on Experian. The Experian website is as close to no help as any website I have visited. Even when logged in there is nor readily identifiable way to go to the the section to unfreeze you account. They only hype unlocking you account, which is a fee based action, and do not show a way of getting to unfreezing. If you go to questions and answers they talk about the differences between unlocking and unfreezing, but there are no links to either. If you search on XXXX to unfreeze your account you can find an area within Experilan to accomplish the unfreezing. Unfortunately you need to know your pin number to accomplish it. They do have another part of their website where you can request your pin online. Unfortunately, after filling out their form it comes back and says we can't provide the number. You will have to provide 4 or 5 pieces of identity to them by mail to Texas. That obviously will not be timely to obtain a loan. 

At all of the numbers I called there was not one that offered the ability to talk with an individual to resolve an issue. I have had to do the same thing with XXXX XXXX and XXXX  and both of those companies have access to persons by phone to resolve problems and in fact in both cases individuals were able to resolve issues and unfreeze my credit reporting. 

The level of assistance Experian provides, together with the power they have over financial transactions, is completely inadequate and they should be held accountable for their lack of service. I believe that they should either be forced out of business or required to provide meaningful service to their " customers. ''

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 2023-08-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX  and I can't even sleep properly because of this problem. I am begging you to update my account 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 explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
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:
I am writing to dispute the reported information on my credit reports regarding the XXXX XXXX Account # XXXX. The dates of last activity for this account are reported inconsistently across XXXX, Experian, and XXXX as follows : - XXXX : XX/XX/2019 - Experian : XX/XX/2019 - XXXX : XX/XX/2019 These inconsistencies directly violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires that " whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' This inaccurate reporting is negatively impacting my good name, character, and my ability to qualify for new credit. The persistent discrepancy raises concerns about the reliability of the furnisher of this information. I call attention to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which states that a consumer reporting agency must " conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate '' upon receipt of a notice of dispute from a consumer. To date, the action taken by your agencies has failed to rectify the inaccuracies identified and, as such, appears to be in breach of this provision.

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 2021-04-24
Company: EQUIFAX, INC.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX  and Equifax are reporting a child support debt office of Atty gen XX/XX/2021{$24000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

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 2022-08-19
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I'm filing a complaint to remove unauthorized credit inquiries on my credit report. 
I did not give anyone permission to examine, access, or utilize my credit report for any purpose, and I have not asked for credit in almost two years. I have contacted the Big 3 and asked to remove the unauthorized inquiries, but until now, there have been no responses from their office. 

I have also contacted the creditors in question, and they have no proof of each initiated inquiry. I request that XXXX, Experian, and XXXX delete these inquiries from my credit report because they are untested, non-compliant, and unverified. After all, there is no evidence or proof of my authorization of a legal purpose, whether written or verbal, to access my credit report for any reason. 

See attachments included for all the items that are listed per Bureau.

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