BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
On Saturday XXXX the XXXX at XXXX XXXX I drove my car to the Bank of America ATM near my house. I have banked with Bank of America for over 5 years. I live in XXXX, SC XXXX The ATM ID is XXXX. I tried to deposit my {$2500.00} check. It was sent to me by XXXX. It was my distribution of my XXXX XXXX. I put the check into the atm, it spit the check back out. I signed the back of the check and put it back in. The ATM said transaction canceled and didnt give the check back. The next morning at XXXX XXXX I called XXXX. The person submitted a claim and said I the amount would be pending in my account following an investigation and I should have access to the money after two business days. I am able to see the claim in my online banking app, but after two days since I the claim, no one has called me and I dont have access to the money. I am upset because the bank ATM destroyed my check for {$2500.00}. I worked really hard for that money and Im beginning to doubt if Ill ever get it. XXXX cant send me another check. If my claim continues to be neglected I will sue Bank of America.

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 2017-03-30
Company: Quality Loan Service Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Quality Loan Service Corporation - unlawful foreclosure auction of Consumer XXXX home - subject to FEDERAL CRIME! Please see attached COMPLAINT. -- NO LENDER named on alleged Notice of Default and Notice of trustee sale NOW results to THREE ENTITIES claiming ownership of Consumer 's home - simultaneously. Exhibits will be faxed shortly. 

Thank you for upholding Consumer Protection Laws as you investigate Quality 's deceitful and fraudulent practice of stealing people 's homes for its undue enrichment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a letter to the Experian Credit Bureau XX/XX/XXXX 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, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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: Problem with personal statement of dispute

Complaint:
Ok now Im officially XXXXXXXX XXXX transunion XXXX and XXXX are a bunch of liars. I disputed my XXXX XXXX account it shows two late payment, they were both late because the bank teller put my money against a different loan!!!!!!!! All three of these credit bureaus are a joke, my XXXX XXXX account one day says its closed the next it says its in collection and the next its asking for money, that makes it impossible to dispute because they wont take my dispute and follow the account but they take the XXXX XXXX acc and follow my name and credit report so the a dispute is useless, and all day today XX/XX/2023 they hung up the phone, there sites are un useable and online chat they would disconnect right away. Now I want some answers that will take care of my problem because Ive been at this for 4 months, Ive had it and I want some answers

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 2021-08-11
Company: ARVEST BANK GROUP, 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 status incorrect

Complaint:
Help, Help, Help. 
Arvest Central Mortgage Company is ruining my credit score and having my credit report full of false information. My Credit Monitor Company, XXXX, notified me today, on XX/XX/2021, that Arvest informed XXXX that my account is past due, and I am not. XXXX  had lowered my score and added a negative statement to my report. XXXX  also reported that my account is delinquent. I do not have any delinquent accounts ; I repeat, I do not have any delinquent accounts. I am attaching all the official letters for the investigation. I worked hard all my life to maintain a good credit score and to have an excellent credit report. Arvest Central Mortgage Company must stop sending false information. The company has to change back my score and report to where it used to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2017-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Credit report shows two different social security number under my report in personal information section. I disputed different social security number shows up in my report but credit reporting company said they can not remove it because that information is coming from the lender. And because it is XXXX digit different they were thinking some of lender 's operator made a simple mistake during their input process so considered it as minor, but It is not minor problem to me. I am an XXXX military XXXX and during my background investigation they found XXXX different social security numbers and the government is considering me as some type of cheater or dishonest personnel and possibly losing my career with this silly mistake someone made.

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 2023-03-27
Company: EQUIFAX, INC.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX  XXXX Bankruptcy 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 XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX are Unauthorized I dont recognize them and they are affected my score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11
Company: Experian Information Solutions Inc.
State: FL
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:
Ii filed a dispute with Experian regarding and account on my credit report. The account is XXXX XXXX XXXX. I requested that XXXX XXXX legally validate this debt and prove ownership of the debt. According to the Fair Credit reporting act. A company has to supply me with a letter of validation with in 30 days of m request. A company has to prove ownership of debt. XXXX XXXX has not validated this debt to the standards of legal debt validation nor have they proved ownership of debt. They have yet to send me a debt validation letter or prove ownership of this debt even though I started requesting this information in XXXX of 2021. Experian ruled in favor of XXXX XXXX and is claiming this debt is verified and so is ownership of this debt. I want to see the documents that Experian is claiming legally validated this debt and proves ownership of this debt. I have a right to see it and challenge the authenticity and legality of those documents.

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 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are multiple fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent inquiries and they're still reporting on my credit report. 
I'm reaching out regarding these inquiries and for assistance to remove these inquiries from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-29
Company: CITIBANK, N.A.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Fraudulent applications at Citibank in my name and soc sec #, including a fraudulent address, have not been cleared by Citi at XXXX or at XXXX I submitted an FTC Identity Theft report on this XX/XX/XXXX, no action resulted, and resubmitted to Citibank on XX/XX/XXXX ; Citibank would only delete an entry they say was XX/XX/XXXX but not one they say was XX/XX/XXXX. I can not reach anyone at Citi who will address this issue as it involves a checking account? - I do not know and was never notifed by them of this at any time. Citi is not communicating with me in any way and I can not reach anyone there by phone who can assist. I just resubmitted an FTC report showing Citi fraud started XX/XX/XXXX but do not know if this is going to 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 2023-06-14
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: Account status incorrect

Complaint:
XXXX XXXX after receiving a full payoff from their sister insurance company ( XXXX XXXX ) for the vehicle loan, falsely reported the account as delinquent two months later.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
We leased a vehicle from Infiniti Financial Services for 36 months and returned it on XX/XX/2023 to our local Infinity dealer here in XXXX XXXX XXXX  Infiniti. XXXX weeks later we went to purchase a vehicle and the dealership that we were purchasing from notified us that Infinity still had not closed our account and that we had an outstanding balance with them. We called infinity and they stated that their systems were messed up and that they do not have records at the car was returned. We provided them with a record that shows that we return the car on the XXXX and to who we returned it to. In doing so they said that they were going to send us out a close credit statement within XXXX to XXXX business days and never did so. Then yesterday I received an alert from the credit bureau that Infinity Financial has placed a XXXX late on my credit. I was very upset about that. I called today to discuss with them the situation and they stated that it is a glitch in their system and that they never closed our account out and they are going to close it out and we should receive something in XXXX to 5 days in addition to reporting to the bureaus that correction to the XXXX late never happened. This has brought down my XXXX XXXX XXXX points and really hurt me because we were trying to replace our vehicle that we returned and we have not been able to because of their fraudulent activities by not closing the account originally and now placing a 30 day late on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: W&A Intermediate Co., LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This complaint involves ( 2 ) companies, XXXX XXXX and their collection agency, Wakefield Associates. I have disputed this account with both originator ( XXXX XXXX and the assigned collection agency ( Wakefield ). Neither has responded. They are " verifying '' the collection account electronically via XXXX and not provided a comprehensive response. 

I am disputing the account because I never received notification of the debt. 

I have requested validation of the debt via the following : provide method of verification ( MOV ), detailed account statement with dates and corresponding medical codes. Additionally, provide TRUE VERIFICATION, what details were used to verify this account, who did they talk to, what signed documents do they have, and how are you all contacting/communicating ( XXXX  and Wakefield ) XXXX 

I mailed certified letters to both and confirmed that they have received both, but still no response. Tracking information is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Fed loan is in violation of Fcra, fed loan keeps removing and re inserting this debt on my credit reports of XXXX XXXX, Fed loan is constantly removing and inserting debt which are only to stay on my reports for 7 years fed loan constantly keeps reaging this student loan information on my credit report which is illegal fed loan is not upholding the law which should be

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: NC
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In accordance with the FAIR CREDIT REPORTING ACT ( FCRA ) Everything has to be 100 % accurate on my credit report. The credit bureaus stated that my account was properly investigated but it is not possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is also inaccurate. This proves grounds for permanent removal. According to the law 15 USC 1681- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at the consumer reporting agency is disputed by the consumer and the consumer notifies agency directly, or indirectly through a reseller of such dispute, the agency shall free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is accurate and record the current status of the disputed information, or delete the item from the file in accordance with the paragraph ( XXXX ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Also, 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 Date of inquiry - XX/XX/XXXX XXXX XXXXXXXX XXXX- Date of inquiryXXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States that 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 an account without my written instructions.

15 U.S.C 1681c ( A ) ( 5 ) Sections states : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15. U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15. U.S.C 1666B - A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2023-04-04
Company: EQUIFAX, INC.
State: CA
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: OneMain Finance Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Original loan was with XXXX XXXX, the company was bought buy OneMain financial in XXXX. Date of original loan was XX/XX/XXXX in the amount of XXXX, account number XXXX. OneMain is reporting negative information on my credit report ( account charge off ). This account was paid as agreed, also paid in full on XX/XX/XXXX. I received a certified letter from OneMain, with all documentation verifying the satisfied account has been paid as agreed, paid in full & it shows that I was never late with making payments. I tried to reach out to OneMain when I noticed that they were reporting my account as a charge off. I also tried disputing the negative information online, the results from the online dispute that the account was verified as accurate & was a charge off. I have also tried mailing letters to the company, but my letters were returned. I would like for the company to remove the inaccurate information or at least update my payment history as this is harming to my credit ability.

Company response to consumer: Closed with monetary relief