BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I was suppose to receive a {$500.00} bonus after enrolling for a checking account and meeting the requirements. I enrolled in the account online through a publicly advertised link/promotion page from Bank of America XXXX The advertisement did not state that a promotion code was necessary anywhere in the terms. However when I called customer service they stated that a promotion code was not attached to my account and therefor were not able to honor the promotion. I explained that this must have been an error on there end because I used the link on the promotion page. I also stated that the promotion page does not state a code is required to receive the bonus. I even asked them to look up the promotion URL but they said nothing came up when they typed it in. I went to a branch and showed the promotion to a banker. They said that someone at bank of America would reach out to me regarding the problem within the next 3 days but no one has. Apparently I am not the only one that has had issues with this promotion as someone else said the bank did not give him his bonus on a thread a follow.

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 2021-04-09
Company: Experian Information Solutions Inc.
State: CO
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:
Equifax ; Experian and Transunion are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX XXXX - XXXX ; XXXX  XXXX XXXX  - XXXX ; XXXX XXXX - XXXX ; XXXX XXXX - XXXX ; XXXX - XXXX ; XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX ; US DEPT ED - XXXX ; XXXX XXXX XXXX - XXXX ; XXXX XXXX - XXXX ; and XXXX XXXX  - XXXX XXXX These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

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 2020-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Hi there, During the past couple of months, I've have faced some difficulties with my payments clearing due to me losing my employment and facing the unprecedented times with waiting to receive payment ( s ) from my unemployment claim. I opened an account with Capital One in XXXX of XXXX to build credit and I believe there is an error with there system as my three payments were returned. Two of the payments done in the month of XXXX and XXXX were returned due to delays with receiving my unemployment, which typically would have been available to cover my payments. Capital One closed two separate accounts of mine due to, " not being consistent with the expectations for account usage and violates the Capital One Customer Agreement. '' The letter is labeled, " fraud '' ; I'm not okay with fraud being labeled on any of my accounts, even if they remain closed. I outreached and spoke to two managers yesterday XX/XX/XXXX in an effort to receive assistance and was advised that they couldn't override the automated system ( s ), which I find it very difficult to believe. In my opinion, I don't believe there is anything fraudulent about trying my best to make a payment and the payment not going through. I'm not okay with being an American attempting to establish credit in a society where if I want to be successful I must have established credit. I don't think that Capital One effectively communicated with me to allow me to understand the Customer Agreement. I should have been educated on what Capital One expectations are and it's very unclear as to what their expectations are if they aren't clearly defined such as three rejected payment ( s ) forfeits all cards. At minimal I deserve to be communicated with by a Capital One representative and I shouldn't be brushed off by some Artificial Intelligence software which can't make exceptions or understand that a pandemic is going on and I'm fighting to do my best each and every day. I have several other questions, I'd like to be asked should Capital One respond. This has all occurred over the past couple of weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions 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:
XXXX has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of XXXX : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXL Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX # XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXXXXXX

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 2023-07-04
Company: Experian Information Solutions Inc.
State: TX
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:
Illegal posting of my credit report. Violation of my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C section 604 A section 2 also states that a consumer reporting agency CAN NOT furnish my written a account without my written instructions.

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 2023-09-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: AZ
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:
A Small Business Loan for {$32000.00}, was taken out for a XXXX entity, under the Entity 's XXXX. The Lender, XXXX, told me that I would not be a co-signer as this is a small business loan, Turned out I was lied to and forced to signed the agreement under deception and duress. The company included my personal information, and residential address without my consent. I was told that my information was needed as a contact. A day after all the documents was signed and money received by the business, I found out I was fraudulently listed as a personal guarantor with out my knowledge. 

And now this loan is showing up under my personal credit report, although I was told by the company that this would report on my business credit to help my business grow. Because of this incident, I am not unable to purchase my dream home, after I was approved for my home loan. My score was lowered and debt-to-income ratio is affected. I only gave this company permission to run a soft credit check, but nothing else per my instructions. I intend to file a lawsuit regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Nelnet, Inc.
State: AZ
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:
Account ending in XXXX is reporting reporting twice on my report. This old account was closed and transferred to a new and good standing account. 
Please delete incorrect account that shows and it is reporting only on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have requested over XXXX times for the fraud alert to be removed from my credit report. I have also requested copies of my credit report FILES including all disclosures and consents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2023-08-02
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this complaint for the eleventh time to once again address the persistent issue of numerous items remaining on my credit file despite previous attempts to have them removed. It is unacceptable that Experian and XXXX Credit Bureaus have failed to comply with the law and continue to maintain inaccurate information. I demand immediate removal in accordance with Section 605b of the FCRA, which clearly states that in the absence of any proof documentation bearing my signature, these items must be PROMPTLY DELETED from my credit file : EXPERIAN : XXXX XXXX XXXX XXXX XXXX, NV XXXX Bankruptcy XXXX XXXXdischarged Filed on XX/XX/XXXX Reference 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 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 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 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 2023-03-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX  : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I now have reason to believe that I may have been scammed out of some of the money I have been sending to an online person. This involved 3 separate transactions, one of which I actually was refunded for ( {$300.00}, Sent XX/XX/XXXX, refunded on XX/XX/XXXX ) which is good. The other 2 I know I will not be however ( Both Sent on XX/XX/XXXX for {$40.00} and XX/XX/XXXX for {$50.00} ). All transactions went through PayPal. 

The reason I believe this could ultimately be a scam is because of this person wanting that {$300.00} that was refunded to me sent back to a different account using XXXX. XXXX did flag this transaction as a possible scam, which I ended up not sending. This now has me questioning this person entirely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-17
Company: Armada Corp.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I found the debt on my credit report from Armada Corp and when I called the amount was a lot more than listed on my report. They stated it is interest they have been collecting. I told them I was never informed they were making interest off of this balance. I was under the understanding that if people or companies are going to charge interest on a debt, they have to inform the consumer. I do n't believe that a consumer should have to pay interest on a balance the company does n't communicate to you. As long as you do n't look at your credit report they will just keep charging and the consumer has no idea. I do not have anything in writing to attach because I never received anything in writing.

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 2023-02-17
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have the apple credit card. I have ~ {$930.00} in available credit however my card keeps getting declined for a {$18.00} transaction. I talked to the Apple Card customer support and they told me this is due to my account being " under review '' and they can't tell me how long it'll be restricted for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
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:
I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Westlake Services, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT ACT THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15USC1681 SEC 602 STATES I HAVE THE RIGHT TO PRIVACY UNDER 15USC1681 SECTION 604A SECTION 2 UNDER CONSUMER REPORT AGENCY CAN NOT FURNISH ANY ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS UNDER15USC1666B A CREDITORMAY NOT TREAT A PAYMENT, CREDIT CARD UNDER A OPEN AND CONSUMER PLAN LATE FOR ANY PURPOSE.

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