BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-03
Company: Early Warning Services, LLC
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear Early Warning Services, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported to my bank account. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to any transactions by me as a consumer. 

( Account # XXXX ) XXXX XXXX  - fraudulent transaction that I did not authorize in the amount of {$1100.00}. 

You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of receipt of this notice. I look forward to your response. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Nelnet, 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 information incorrect

Complaint:
I had four student loan accounts with you. On my credit report, it shows late payments back in 2015. Could you please provide me with proof that I was late on my payments? These late payments are damaging my credit score & affecting my getting approved for a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: MN
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 Credit bureaus stated my account was properly investigation but how is that possible the name of the credit collection company isnt accurate, the name of the original creditor is not accurate, the account status is not accurate, the status updated isnt accurate, as well as the date of the balance update is not accurate. At the bottom it clearly states I already disputed this item to no avail. This is very disheartening knowing the credit reporting companies dont accurately investigate disputes. This ground for removal they also violated my rights under 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: EQUIFAX, 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:
I don't recognize this account, i have never applied for this, i'm not responsible for this debt, with this company i have no contracts or agreements with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
ATTN : TRANSUNION RE : Intent to file suit- a violation of the FCRA I must emphasize that it is a violation of the law to make a threat of legal action without any genuine intention to follow through. I want to formally notify you that I am highly determined to pursue legal action against your company. Despite my repeated attempts to address the issue, requesting you to investigate and rectify all inaccuracies in my personal credit profile, you have consistently failed to take appropriate action. It is crucial to note that the law obligates you to investigate every single request to rectify erroneous information, a fact that seems to have been disregarded in my case. 

This is an utterly blatant disregard of the Fair Credit Reporting Act, which grants individuals the right to take legal action and imposes penalties and liabilities on consumer reporting agencies and data providers for non-compliance with its regulations. 

I must reiterate my previous statement that this is my ultimate appeal for you to fulfill your obligations under the FCRA. If you do not undertake a thorough examination of the aforementioned accounts in response to this final request, I will have no choice but to initiate legal proceedings against your organization within the jurisdiction of my residence. Consequently, you will be required to appear in person to defend your actions. 

I place great importance on my credit and I am deeply disappointed by your unprofessionalism and lack of assistance. I am fully cognizant of my rights under the FCRA and I am determined to assert them to the fullest extent. I expect your prompt response.

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 2023-10-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
COMPANY XXXX XXXX ( XXXX ) IS VIOLATING MY RIGHT TO PRIVACY BY REPORTING UNAUTHORIZED INFORMATION TO CREDIT BUREAUS XXXX AND EXPERIAN. ON XX/XX/XXXX, IN WRITING, I SENT XXXX XXXX AN OPT OUT NOTICE. ON XX/XX/XXXX I SENT XXXX AND EXPERIAN CREDIT REPORTING AGENCIES PROOF OF OPT OUT NOTICE AND WRITTEN INSTRUCTIONS TO REMOVE ACCOUNT FROM REPORTS. ALL XXXX COMPANIES ARE STILL REPORTING MY PRIVATE INFORMATION. 

COMPANIES ARE VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING CONSUMER PROTECTIONS : -PRIVACY ACT OF 1974 -CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART 313 PRIVACY OF CONSUMER FINANCIAL INFORMATION -TITLE 15 UNITED STATES CODE 6802 `` OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL 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 2021-12-14
Company: National Credit Adjusters, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom concern On XX/XX/2021 I reached out via mail to National Credit Adjuster to verify a debt that they are reporting on my credit and here we are day 30 with no debt validation letter. This company failed to respond within the 30 day limit. Also this company never sent out a debt validation letter. They just started reporting without warning me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent letters regarding inaccurate and unknown items on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate items within 30 days gives reason to immediate removal of those items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
I made XXXX payments of {$60.00} and {$65.00} on XX/XX/XXXX, but the store charged me another {$60.00}, XXXX charges total of {$65.00}, {$60.00}, and {$60.00}. I contacted CapitalOne regarding the XXXX charge and received a conflicting response from them. XXXX response told me that the XXXX {$60.00} was credited back to my account, but the XXXX response said I was responsible for the XXXX {$60.00}. I called CapitalOne dispute center, and after XXXX hours and a half on the phone, I was told that I am responsible for the XXXX {$60.00} because I did not send them a document showing that I did not make the XXXX {$60.00}. The store sent CaptialOne XXXX receipts with XXXX different signatures ( none of them are mine ), and I explained to CapitalOne that none were mine. The store did not ask me to sign any receipt at the time of the service. CapitalOne still insists that I do not have any document showing that I did not make the XXXX charge of {$60.00} and charged me {$60.00}. 

CaptitalOne sent me a letter saying that they credited me the {$60.00} on XX/XX/XXXX, but it is a false statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted 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 XXXXXX/XX/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 2022-11-03
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: Investigation took more than 30 days

Complaint:
The account status is reporting different with all 3 bureaus.

The number of months is reporting different with all 3 bureaus.

The payment status is reporting different with all 3 bureaus.

The last reporting date is reporting different with all 3 bureaus.

The last date active is reporting different with all 3 bureaus.

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 2019-04-27
Company: Coast to Coast Financial Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, i am a identity theft victim as shown on my credit report. 
i have no idea where this debt came from. 

after receiving the debt collection letter i called the company to ask additional information about the unknown debt over the phone ( ( XXXX ) XXXX ) after at least 15 calls i spoke with the a person which refused to give me the information and threatened me with collection on the credit report. 
After the phone call i sent a letter to " COAST TO COAST FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX '' with request of more information bout the debt such as : contract, my signature and any other related information about the debt.. ( copy of their debt collection letter attached to that letter as well ... ) its more than month and half and still nothing. 
ill ask to remove this collection notice from my credit report because a failure of debt proof .. 

thank you

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 2023-10-17
Company: Exeter Finance Corp.
State: TX
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:
Approx XX/XX/XXXX, I received emails with denials for an application of credit for a vehicle or refinancing a vehicle. One after another they kept coming. I had not applied for credit, so this throw a red flag. Then I start receiving letters for the denial seeing my credit score falls below XXXX based on these inquiries and denials. So, I called Exeter first, they told me they had an credit application for financing or refinancing, whoever they informed me that they received my information from XXXX XXXX XXXX, not knowing why when I have never given them either permission to nor have I applied for anything dealing with a vehicle or refinancing. Both companies pushed the blame on each other and then finally said they received the information from XXXXXXXX XXXX, which I never gave them either permission or authorization to run or share my credit information and adverse effect my credit score. XXXX XXXX was not willing to provide me any information on how they received my approval to run my credit and why it was shared with Exeter, XXXX XXXX XXXX XXXX XXXX without my knowledge. I spoke with a Rep at XXXX XXXX who was passing on my request or email with the application of this alleged credit application, she said her supervisor 's name was XXXX was going to be the one to provide a email with that requested proof of an application as of XX/XX/XXXX XXXX I still have not received anything from XXXX XXXX Exeter XXXX XXXX XXXX XXXX XXXX XXXX XXXX giving them approval to access my credit file. They all seem to point to finger at XXXX XXXX who I never gave permission to access my personal information and if so please provide that proof, this is a pure sign of fraud and I would like ALL credit inquiries from each of the companies that illegally obtain my credit information to be REMOVED from ALL three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
This is a follow up to a previous complaint filed with the cfpb complaint # XXXX On XXXX XXXX, I received a response via the cfpb portal that said American Express was still conducting an investigation regarding my fraud claim, and that an investigation regarding a claim opened XXXX XXXX was underway. They promised that they would send an email when their investigation was complete. On XX/XX/2021, I received an email from American Express Serve telling me that they were once again denying my fraud claim, and suspending and closing my account. I felt that this action was retaliatory for my filing a claim with the cfpb. On XXXX XXXX, I sent by US Mail, a certified letter to American Express Serve for an explanation of the Consumer Use Violation, Section 15D, which they gave me as a violation, and reason for closing my account. I asked their representative on the phone for an explanation of that violation, and was told I must look it up online. I was never able to locate an explanation of 15D. I no longer have access to my account, therefore, I requested copies of statements of my account from XXXX, XXXX, XXXX, XXXX and XXXX of 2021. I have yet to receive those documents. I also sent in a separate letter to request they reopen and continue my fraud claim investigation. The only correspondence Ive received from them is a check for {$70.00}, and a check for {$0.00}, which they say was the balance in my account. My claim is a crime of fraud and theft, and should be recognized as such by American Express Serve. 

Once again, I still have the debit card in my possession ; have always had the card. I didnt give anyone permission the make these charges, and I didnt make them myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
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:
My name is XXXX XXXX, I reacently found out about a loan that is not mines an i aslo saw that i disputed it on my credit report a whe ago, did not realize that until i got a copy of it, and it was under a diff name. I spoke with XXXX  on/around XX/XX/XXXX. I advised them about a loan that was under my name that I did not take out because I never attended school in XXXX, nor did I know about this school. The amount was for {$1300.00}, through XXXX XXXX initially, then they said it was under XXXX XXXX which is now handled by XXXX formerly XXXX XXXX. 
I was advised to write a dispute letter and submit military documents as well showing that I was in the military and also signed up in XXXX. I did that, then after sending on those documents, they claimed they did not get them, so I sent them again, later after that I still hasn't heard anything and was sent a fruad packet to have done. Included in there they wanted a police report. I told them you can not do a police report for something that happened in another state -- in another state. I currently reside in Texas and this incident happened In XXXX XXXX in XX/XX/XXXX. So when I went to the police station yesterday, XX/XX/XXXX he stated the same thing, that he can not do a police report for something that happens in another state and jurisdiction but would take note that I went in to give him this information and gave me a file number as well. He also stated that the companies are supposed to use the number to request the report or what was taken down. So I advised XXXX  escalations team of this, and she continued to go back and forth with me and told me if its that easy then I can do it and I told her I would not then asked to be transferred to a supervisor. She made it seem like she only had one supervisor and said she would transfer me to their voicemail and basically put me on hold after asking to speak with someone over her. I need this situation to get handled because it is affecting me maybe receiving grants for the upcoming school semester. 
Police file # XXXX Jurisdiction, XXXX, TX Account # XXXX Amount : {$1300.00} Stafford Loan XXXX Escalations Dept.

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 2023-11-22
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I have been trying to get my credit card for an account I opened with Citi Bank for months now. I used the card for a balance transfer when I opened the account, and I've been calling weekly and have been told a different reason every time as to why I haven't received my card. I have also been told weekly that I haven't missed any payments and don't have any due until XXXX, which i found out today were blatant lies and when trying to pay the card they re routed my to the system asking for my card number. When i asked how i could make payments without my card I was told " call the number on the back of your card '', and every verification system they have requires the card they wont send to me, so now apparently i might have late payments and they are not providing a single way that I can actually make them. I also have no way to access my account and even see my payments without my card.

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 2023-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022 I entered bank of America and opened an checking account. As well as savings account. 
Account is defined as : An extension of a credit by the Code of Federal Regulations and The Consumer Financial Protection agency guidelines, at this time I was not awarded any credit. I was also misguided and never alerted to the FDIC insurance of my accounts {$250000.00} protection in place due to the deposit I made when I opened the account. 
This is a criminal penalty and I am making the complaint to see that this location on XXXX XXXX XXXX in XXXX NY has their financial officer held liable for their role in this denied extension of credit and not making it known that I was insured at the time of the account commencing. 

I want to be contacted by the Bank of America and afforded the opportunity to have a line of credit extended as per the Code of Federal Regulations states that is the law, I want to hold the financial officer liable if he/she refuses to contact me and make this criminal penalty right. 
I want to be told that I am insured by the FDIC by employees of any financial institution,

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