BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-15
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
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 had a credit with home depo CBNA for over four years with no late payments. Back in early 2020 i paid this account off but would still get email msg stating that a payment would be charged to my banking account because it was set on autopay. I called in to turn auto pay off. After this recent virus experience i noticed some of my credit cards where being reduced in credit due to inactivity. So i charged {$36.00} at home depo to show activity but i assumed my autopay was still on. After i received notice that i was charge a late payment i called home depo to explain what happened and asked for forgiveness due to oversight and to review my account to verify i was in perfect payment status. To no prevail they have repeatedly denied my request and feel this is being unreasonalable. Please help with this matter, simple mistake

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 2021-10-12
Company: ALLY FINANCIAL 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: Their investigation did not fix an error on your report

Complaint:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

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 2018-04-10
Company: WASHINGTON FEDERAL BANK
State: CO
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:
XXXX XXXX XXXX ( XXXX ) reported over 30 days and 60 days late on my credit report when this was not true. This was discovered when my husband had a renewal of his XXXX XXXX. XXXX sent a letter stating there error and said it would b corrected on both our credit reports. This was back in XX/XX/XXXX. The letter said that we had zero late payments on our mortgage. I was notified inXX/XX/XXXX that our credit had dropped. When I pulled our reports its showed that yet again XXXX reported late payments forXX/XX/XXXX and XX/XX/XXXX. This is causing us much stress since we are looking to rent another home and may cause us not to be qualified based on our credit score. XXXX also did not pay our home owners insurance nor or property taxes recently. I contacted them and was told that they knew this happened and had been waiting for customers to call and let them know. We where over 2 months behind on our home owners insurance. These funds are es-crowed in our payments. If my insurance agent did not call me, we would have lapsed on our insurance policy. This has caused us much stress and time trying to consistently fix XXXX errors. We will be looking into a lawsuit if needed.

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 2023-02-19
Company: Radius Global Solutions LLC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I began receiving collection letters and calls from XXXX XXXX XXXX stating that I had an outstanding debt that was placed for collection. I was told that I couldn't be sued for the debt because of the age of the debt and it being statute of limitations expired. I sent a letter requesting detailed information about the debt because I had no knowledge of the debt and wanted verification. I never received the requested verification of the debt. I then began receiving notices ( both by mail and telephone calls ) from XXXX XXXX XXXX XXXX stating that they were trying to collect the debt for XXXX XXXX XXXX. I called the number on a letter I received ( XXXX ) and spoke to XXXX. I again asked for verification of the debt. He notified me that the debt was transferred to a company named Radius Global Solutions LLC. I called Radius Global Solutions LLC and asked to be provided with verification of the debt and was told that they mailed me a collection letter in XXXX and I was asking for verification outside of the time frame that was listed in the letter. However, I never received a letter from Radius Global Solutions. On XX/XX/, I received a credit monitoring alert showing that a new collection/charge off account was added to my credit report. It lists XXXXXXXX XXXX XXXX as the original creditor and XXXX XXXX as the current creditor. This company has added an old debt that is statute expired to my credit report and reported it as if it is a new debt but has failed to provide me with any verification of the 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 2018-10-09
Company: EQUIFAX, INC.
State: IA
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 a collection account for {$30.00} appearing on my Equifax credit report, but no other credit report. I believe it is a debt I paid a long time ago, but the Equifax report does not have enough information to accurately identify the creditor and account. I disputed this with Equifax, but their online system will not allow me to see the results of the dispute. 

The amount is negligible. I would pay it again just to clear the credit report, even though I don't owe it. But Equifax does not even provide enough information for me to be able to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: FL
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a credit alert about an inquiry on my credit report on XX/XX/XXXX. Additionally, I received a call from FNB Omaha Fraud department inquiring about a new account. 
When I called in, I was told someone opened an account at a XXXXXXXX XXXX XXXX XXXX with my information on XX/XX/XXXX. Name and address matched. Phone number and mother 's maiden name did NOT match. 
XXXX charges were made to the account same day - one inside XXXX 's and XXXX at XXXX XXXX 
FNB Omaha has already marked the charges as fraudulent and started an investigation, as well as closing the account and setting a Password on it. 
I was not given the exact amounts of the XXXX transactions. 
I am concerned as I was told that opening an account IN STORE requires an ID, not just my 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 non-monetary relief
Consumer complaint received 2021-10-12
Company: NCB Management 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:
I have attempted multiple times to have NCB Management vaildate this debt they claim I owe. Each time, the NCB Management has failed to provide me with proper validation for the debt. They continue to send me a contract from the original creditor stating this is their proof that it is my debt that I owe. No supporting documents to prove this is my debt, such as documentation bearing my original signature, has ever been provided to me. A document without my original signature does not validate that this is my debt. According to the FCRA, NCB Management has violated my rights as a consumer and I'm requesting this account be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX I received Mortgage Satisfaction, Letter from Bank of America. Called Bank of America, to inform the paper work was Incomplete. File complaint onXX/XX/XXXX.

Bank of America called me on XX/XX/XXXX. Bank of America is unwell to give me a date when they will release missing title to my home. On XX/XX/XXXX Bank of America received payment Of XXXX to close the loan. It has 146 days and counting And still I can not prove I own the home I live in.

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: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX  opened a loan they have the wrong address it was opened under an address that wasn't even mine I have asked them for the loan papers that I have signed the address it was opened under the birth date and the amount they have yet to send me any of this 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 2022-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I see inquiries reporting to my credit report that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I've made multiple attempts to have Transunion correct wrong information associated with an old credit account which appears on my credit report. The claim report has been returned with the same incorrect information, claiming that the information was verified. Upon calling Transunion to speak with representatives, I was alternately told that there were no managers, there were no employee ID numbers and that the new information I was provided would be taken into account ( payment history based on check stubs ). 

Upon calling the creditor in question I was told that they purge their old accounts within a couple of years of the account closing and that they could not find any trace of my account whatsoever. I spoke with XXXX different reps and both told me that the information is scrubbed and even were Transunion to call they would only be told that my account was closed in good standing. 

Transunion appears intent on ignoring their obligation to do due-diligence in maintaining accurate records and as a result my XXXX XXXX is suffering. Given the economic conditions this has grave consequences on my ability to make large purchases and is impacting my standard of living. 
It is both unacceptable and appalling that a company has such power over private citizens while having a complete lack of customer service options.

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 2021-10-12
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:
Experian shows several inquiries on my credit file that I didnt authorize. 

These are XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 TXXXX XXXX XXXX XXXX These were not approved and I was not contacted Additionally there is an Address on my credit file XXXX XXXX XXXX that Ive never lived at.

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 2023-12-16
Company: EQUIFAX, INC.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: PA
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:
I am a victim of identity theft. XXXX Account # XXXX was open fraudulently. An FTC Identity report is attached.

Correction to my credit report. I demand the account be remove from my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX. In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX section XXXX A Section XXXX have the right to privacy. 

XXXX. XXXX XXXX XXXX Section XXXX A. XXXX. It also states a consumer reporting agency can not furnish account without my written instruction.

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 2023-10-18
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Please see documents Attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/XXXX I received an email to my personal email address ( XXXX ), addressed to my name XXXX XXXX, thanking me for my interest in opening an account with Wells Fargo and letting me know that I could not open an account online and needed to come into a branch. I also received a letter in the mail advising of the same actions to open this account. 
I did NOT attempt to open an account with Wells Fargo at any time. 
I did call Wells Fargo on XX/XX/XXXX to have another fraudulent checking and credit card account closed that I did not open. ( Reference case # XXXX and # XXXX ). These accounts were also opened online. 
On XX/XX/XXXX I called to report the fraudulent checking account and spoke to XXXX who I provided my personal information and advised me that a fraud case would not be opened since my social security number was not associated with the new account. I would like some assurance that Wells Fargo will not open an account in my name, email and physical address. Wells Fargo only told me that there was nothing they could do since this online application did not match my social security number. ( My social security number is not on my drivers license, so how can it be validated anyway? ) I have little confidence in this bank since this is the second time an application has made it through their systems and I am given no assurance from them that they will not open an account in my name. I would like a response from the bank and to know how they will ensure that accounts are not opened online without proper authentication of the person applying.

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 2023-10-01
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX and XXXX has failed to verify the debt listed in the letter under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus XXXX XXXX and Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
A Capital One account was opened using my information, I was unaware of this account until I began trying to repair my credit. That is when I saw this account I never even recall opening. I have notified the credit bureaus of this fraud. I have already filed a police report regarding this account, as well as others included in this identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 Have some unauthorized inquiries appearing on 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 2023-07-11
Company: American Credit Acceptance, LLC
State: GA
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:
I have called the creditor on numerous accounts to to advise them to update the information they are reporting on my credit report and instead of correcting the information they are reporting to the credit bureaus they added a false statement that said I was affected by a natural disaster. 

Please be apprised that American Credit Acceptance along with XXXX, XXXX, and XXXX directly violates the Fair Debt Collections Practices Act. by Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) and according to 15 U.S. C 1681 Section 602 A. States I have the right to privacy and 15 U.S. C also states a consumer reporting agency can not furnish an account without my written instructions. 

I have enclosed the letter I mailed to the American Credit Acceptance along with a current copy of a partial copy of my credit report dated XX/XX/2023 with the disputed information highlighted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation