BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-28
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter 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 2023-11-27
Company: ALLY FINANCIAL INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened up a new checking account at Ally bank using the promo code " XXXX XXXXXXXX '' where I was supposed to get a XXXX $ payment for opening an account and posting a XXXX $ direct deposit. I met the requirements with a direct deposit payment from my business checking account at XXXX XXXX. I've called the bank directly at least 10 times inquiring about the payment and the teller says everything looks good and to wait on a call back which I never received. I opened the account back in XXXX and the direct deposit of XXXX $ from XXXX XXXX posted on XX/XX/XXXX. Even if Ally wants to say that business checking payment doesn't count as direct deposits they could have communicated that to me during the offer window in which I could have found another way to satisfy the requirements but I have received zero communication about my situation other than my own call ins to these customer service reps that don't know anything about the situation or have any authority to make any decision.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$3.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: Eastern Account Systems of Connecticut, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
EASTERN ACCOUNT SYSTEM, INC. has collected a debt from in the amount XXXX. I have paid this debt to them and have requested that they update my credit report showing that the debt has been paid. I have filed 3 disputes to get this corrected on my credit report and EAS keeps verifying that the debt is still owed to the credit burrows.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
AD Astra Recovery Services is threatening me and suing me for a debt that I do not owe. I have never heard of the merchant nor do I have a Contract with them nor are they licensed to collect in the State of Texas. Those are 3 different violations that entitles me to {$5000.00} per Violation If it doesn't get removed off my Credit Report. The State of Limitations in the state of Texas is 6 years & its past that time for them to collect in the state even If they were bonded to collect and it was indeed my Debt. You have 30 Days to remove such Debt or I will be filing a Civil Suit against your entire company and be forced to present yourself in the court of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: NC
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:
Proof of these debts need to be provided I never signed anything or contracts with these companies The information being reported is not consistent XXXX Acct- XXXX XXXX Acct- XXXX XXXX Acct-XXXX XXXX Acct-XXXX XXXX Acct-XXXX XXXX XXXX Acct-XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-23
Company: SYNCHRONY FINANCIAL
State: ND
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I recently on XX/XX/2018 logged into my XXXX XXXX account to check my balance on my store credit card, and found out that XXXX XXXX had recently opened up a new line of credit in my name in the form of an XXXX XXXX XXXX credit card that I did not apply or authorize for. I contacted their customer service center and was told that they could not closed down the line of credit until I got the card in the mail. I was then told when I get the credit card in the mail to activate it and then call them to cancel it. I informed the lady at customer service, that 1. ) I never applied for or authorized this new card in my name and this was illegal to issue a new line of credit in a persons name without their knowledge or permission. 2, ) I demanded that it be shut down and they said " well there is a XXXX   balance on the card and I will have to wait to get the card in the mail ''. The lady in customer service stated it was too late to cancel because the card has been sent in the mail and I was passed the deadline. I informed her that I never applied and have not received any credit card yet either ... .so that I can cancel this illegal line of credit. 

I am reporting XXXX XXXX Credit Card and XXXX XXXX for illegally opening a new line of credit in my name without my permission or knowledge, and for them refusing to cancel the card at my request. 

I am worried about how many other people this has happened to without their knowledge and are being taken advantage of.

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 2021-01-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I went into the COVID forbearance with my mortgage provider, Wells Fargo, as a precautionary step in case I was not able to pay during the pandemic. I stopped the forbearance after two months because it looked as if I would not need to proceed with the third month. 

When I cancelled it, there was no mention by the representative at WFH about the missed payments, and now my loan is considered in default. When I called today, after I received their letter, the rep stated I had only one option and that was to repay the back balance instead of it being tacked in to the end of the loan, extending the payments by two months as I had originally thought was the case. 

I did not know that I was in default. I have not heard from WFH until now and I can not afford to raise my payments, or go through a loan remodification or refinance because this has hurt my score.

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 2018-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2018 I registered with a third party company which checks eligibility to apply and get approved for credit cards. Unfortunately they applied for several credit cards from bank of America on XX/XX/2018 without my consent and because the request was denied I'm left with multiple hard inquiries on my credit report which is affecting my credit score

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 2023-04-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had submitted claim on XX/XX/XXXX claim # XXXX I opened an account of this subject account in XXXX. I have a opened account agreement with stated like this ... .If you do not notify us within sixty ( 60 ) days after the account statement was mailed. Which I did before 60days notified and within 2 days of discovery of fraud on XX/XX/XXXX. WF bank insists I was over XXXX from the posted from my account per XXXX at WF bank claim dept on XX/XX/XXXX. No one helps me any more at WF bank. 

Also I claimed to WF bank I was very very sick since New Year Eve area. I was planning to visit my mother 's funeral ceremony in XXXX. ( Last time I visited XXXX was XXXX ) 25 yrs ago. I couldn't go there because of sickness. I stayed in bed most of XX/XX/XXXX. 
WF bank said I could call customer support or visit branch. When I am sick and I believed my account is nothing wrong with reduced {$30000.00} from checking by the teller I had no way of knowing of fraud at all without any image of checks. My other banks always send me monthly statement with copy of checks not wells fargo bank. 
They said new account agreement is 30days, how do I know? I had never received any change notice or was informed in any way. If I knew it was changed to 30days I closed account immedaitely. I think WF is very tricky not to let customers know important matter and blame customers. They should include image of checks and make sure to mail monthly statement and note each statement with clear XXXX to state customer 's responsiblity each mo. They also should let new customer in writing to each important matters like this 30days to review clause in each initial by clients as a acccount package. As I am senior over XXXX and I am from XXXX. XXXX is not strong. I think customer like me who doesn't do online should have not been victim as a modern online customers. I spent all of my savings and no money left for living after I paid property tax on XXXX, XXXX. I am worrying and stressful life with not be able to function as before without sleeping. ca XXXX XXXX anymore. Hope to hear your good news. thank you, 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 2023-03-02
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:
Experians process of blocking and deleting information on my consumer report that is a result of identity theft is in direct violation of the law. It states in 15 U.S. Code 1681c2 -Block of information resulting from identity theft ( a ) BLOCK Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 contact this company and ask them to please Remove all Fraudulent accounts as i have no knowledge of any of these accounts due to the Transunion data breach identity theft. all is being investigated by the FTC, According to FCRA 605B this information must be blocked immediately until the investigation over.

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 2019-04-08
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed several complaints & disputes regarding a fraudulent, deceiving scam online. I thought I was purchasing certain items, which was not AT ALL what I was sent, the site was removed shortly after making my purchase & there was no phone number or anyone to contact. Therefore, I reached out to my bank and filed a thorough dispute, I included the images of what was sent, what the site showed that I was buying and all the details. My bank has said that I have not sent enough information to support my dispute- but I was never told what more they needed. When I last called to check on my most recent appeal regarding the dispute outcome, I was told by the representative that he wanted to help me, but could not figure out why it was denied and he suggested I contact the CFPB.

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 2023-11-20
Company: EQUIFAX, INC.
State: CA
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 numerous credit inquiries on my credit report that do not belong to me. I have filed a police report and filed an identity theft affidavit about this matter. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04
Company: Bizcorp, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
ON XX/XX/2021 revoked my ACH debit authorization from the organization so i can have better control over my account. I never said I would not pay. The response I got was they would garnish me. I don't think it is necessary to threaten me with garnishment just because i do not want auto debits done to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Credit Plus Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2018 Credit Plus did not give them permission to pull my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Bank Of America XXXX Closed XX/XX/2022 i called XX/XX/2022 Closed my B of A credit card due to a XXXX I paid XXXX i was XXXX was Due in XX/XX/2022. 
I Missed XXXX Payment I Missed XXXX Payment please with XXXX XXXX and XXXX XXXX XXXX and i was XXXX I call both credit card companies to correct the payments arrangements I never received and written statement stated that i was 30 day behind to my Address XXXX XXXX XXXX XXXX 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 2023-11-19
Company: EQUIFAX, INC.
State: NC
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:
There is a new account on credit report that does not belong to me. 
My credit report is frozen so they should not have been able to open a trade line.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: MS
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 XXXX  violated 15 u.s.c.1681 ( 2 ) I report containing information solely as to transactions or experiences between the consumer and the person making the report by reporting late payment and utilization history

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Informative Research
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Informative is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue. ''

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 2023-05-03
Company: EQUIFAX, INC.
State: TX
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 recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue. ''

Company response to consumer: Closed with explanation