BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Found out near the end of XXXX that my XXXX XXXX XXXX tanked by XXXX points. A possible result for the decrease was from an opened credit account in XX/XX/XXXX that opened for 2 years and ended on a late payment of 120 days in XX/XX/XXXX. 

From my best recollection, I was not physically in the United States for longer than 20 days, and am unable to open a credit account as I did not have an SSN and only visited the US as a dependant with my family using a visitor visa before XXXX. 

From this, I believed it to be a mistake or fraudulent account and attempted to dispute this with XXXX, I received a result from XXXX on XX/XX/XXXX stating that the dispute had been denied as BoFA presented " evidence '' and certified that the information was accurate. 

I was guided to find the " evidence '' from the company that reported the information " BoFA '', and attempted to do so in person at a local branch. The investigation was escalated to the Texas main branch of BoFA, but the personnel stated that they could not find a record of the said credit card account being opened or closed from XXXX. 

I brought the new information to XXXX with a new dispute claim and requested a review, requesting the evidence that BoFA would show to XXXX to refute my dispute. 

The result from XXXX on XX/XX/XXXX was various other records from my credit history being removed, however, the Credit Card account has not been removed. They also did not provide any information on what evidence BoFA used to certify that the information was accurate.

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 2020-12-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am currently applying for a mortgage loan and the lender can not obtain my credit score through Equifax. I have contacted Equifax numerous times and they tell me that all information is correct in my credit file, but the lender is still receiving a no record found message when they are attempting to obtain my credit score. There are no issues with the other two credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Experian Information Solutions Inc.
State: MA
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:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts XXXX XXXX. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX  student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.

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 2023-10-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I am writing to challange the payment status that is currently being reported on my closed XXXX XXXX account #, [ XXXX ], which is listed on my credit report. I have recently reviewed my credit report and noticed that this account is reported as having an outstanding balance, despite the fact that it was closed. It should be listed as closed account after the first delinquency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: Propel, Inc.
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:
On XX/XX/2023 me and my wife went on a weekend getaway. We went out for dinner and I used my card to pay at the restaurant ( XXXX XXXX XXXX ) in XXXX California. As we were walking back to are hotel my phone started pinging with notifications from my card company that some one in ( XXXX California ) was withdrawing {$100.00} increments out of an ATM at a XXXX. A total of {$500.00} was withdrawn, I tried to call the card company but they are closed on weekends so it was Monday the XXXX when I reported that there was fraudulent charges on my card. The fraud department notified me that they were not going to refund my money saying I was the one who made the withdrawals. I argued with them that how can I be in two different towns at the same time. On the XXXX I only used my card that day at XXXX XXXX XXXX in XXXX California.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Medical Data Systems, Inc.
State: GA
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:
Company is called XXXX. They have called repeatedly about a debt they believe I owe. 

I have sent this communication to them via email " I XXX Dispute the Validity of Debt Account # XXX for {$690.00} The creditor is XXXX XXXX XXXX XXXX Service DAte : 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 2020-12-29
Company: EQUIFAX, INC.
State: KS
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:
XXXX XXXX XXXX XXXX XXXX , OH XXXX fraud charges that never was handled - tried to get removed didnt happen by XXXX  or credit companies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Last month I got my annual credit report and there were a lot wrong information and inconsistencies on my report I take action right I wrote the credit report bureau right away. the point out the problems on my report and for the the fix the errors, I wrote the letters on the XXXX of XXXX today is the XXXX XXXX I have yet to receive any information or correction from on my 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 non-monetary relief
Consumer complaint received 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
XXXX XXXX XXXX XXXX XXXX , OH XXXX fraud charges that never was handled - tried to get removed didnt happen by XXXX or credit companies

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 2021-11-11
Company: Experian Information Solutions Inc.
State: IL
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:
To whom it may concern, Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX never gave XXXX, XXXX, or Experian any written consent to report anything on my consumer report. No consent is Identity Theft.

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 2023-10-13
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
During my mammogram visit with XXXX XXXX Hospital, I provided my insurance information to the XXXX representative. XXXX paid the bill and I assumed everything was fine. Later, I received a collections notice. I spent 3 days speaking with XXXX and XXXX reps. After receiving the payment information from XXXX, I called the XXXX XXXX and gave them the information as well as the extension number for the XXXX XXXX. I asked XXXX to call XXXX. I assumed it was taken care of. I recently received another notice that my account has been submitted to collections ( XXXX XXXX XXXX ) again. This bill has been paid by XXXX and I have tried to resolve the problem with XXXX. I can only assume that XXXX has credited someone else 's account with the funds from XXXX intended for my account, but I am out of options on how to resolve this problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: ALLY FINANCIAL INC.
State: RI
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:
Ally FinancialXXXX XXXX XXXX to report my car loan as a closed loan. 

The loan is not closed and the vehicle was not repossessed. 

I have called both Ally Financial and XXXX. 

I have disputed it several times I call one and they tell me to call the other. No one will fix it. 

Both other reporting agencies report correctly The account number is XXXX I have paid and continue to pay the loan on time every month.

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 2019-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2023-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XXXX XXXXXX/XX/XXXX, XXXX, approximately around XXXX XXXX, I was notified by text from Capital One through text was I trying to make a purchase at XXXX for an amount over {$1.00}, XXXX dollars. I repied no, and immediately called Capital one. They infomed me that someone was trying to make a puchase at XXXX in my name and card, I asked of them what was the zip code of the location. I narrowed it down to XXXX in XXXX XXXX XXXX in Florida. I immediately called there several times without any response or answer by phone, at the same time this person had call Capital One for approval of purchase on the other end of the phone. Later in the morning around XXXX am, a text were sent to me saying thank you for upgrading my phone number. I immediately logged online to my account and saw the person had placed his phone number as the primary source of contact. I immediately tried to change the number back to my number, but would not allowed me to do so. I at that time also chaned my password to the account. Before this incident, I was informed by XXXX and the the credit bureau that someone had did a hard credit check on my account. I asked who, I was told it was Capital One. I reached out to Capital One and asked why did they do a hard check to my account without my permission and it would lower my credit score. this 2 or 3 days before this incident meaning they authorized and had given this person a credit card. I reached out to Capital One and also asking them for a copy of all documents relating to ths fraudulent transaction. Also please note, before then, about 2 or 3 months back XXXX issue me a new account due to some fraudulent activity. XXXX, XXXX XXXX had to send a scecond card. I immediately start calling all other creditors of possibile identity theft. There was issure with all creditors XXXX, XXXX in which the person upgraded my addred and his phone number on my XXXX account. Also, XXXX XXXX XXXX two accounts was compromise and they were aware of where they had already mailed out XXXX new cards ; XXXX XXXX XXXX, XXXX and also XXXX was informed in which most of the Creditors have already known of the suspicous activity and sent out new cards. XXXX was a closed account but also, notifiying closed accounts as well. Whoever this person is, they seem to have all my information including social security number and more. I explained to the crediors that I needed to place a second and third security code on my account in which it was done. Also, I placed a security code and freezed all accounts with all three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/2020 I called XXXX about the two paid collection accounts I have on my credit report. They told me they didn't have those two accounts in their data base and it shouldn'r be reporting. All three credit bureaus are reporting the {$230.00} paid account as collection/charge off. XXXX  and XXXX  are reporting the {$83.00} paid account as collection/charge off. I have sent all three credit bureaus a method of verification letter on XXXX/XXXX/2020 and they have failed to respond back.

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 2023-09-25
Company: Credit Karma, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account was suspended on XX/XX/2023. I have made numerous attempts to call and chat with credit karma since XX/XX/2023. I have been told that the account is suspended and they cant give me a reason why and cant tell me how to fix it. I have been told to wait for an email since XX/XX/2023. And have not received an email in regards to how to unlock my account. My tax refund was loaded onto the credit karma account on XX/XX/2023. I just received a notice to pay rent or move and a shut off notice on my pge. I am a single dad. I live with my XXXX XXXX XXXX daughter and I need access to my money to take care of us. Its been 3 weeks and I cant get an answer or guidance on how to access my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
From Ashmere collections : account opened in my name at address XXXX XXXX XXXX # XXXX XXXX, FL XXXX and email XXXX in XX/XX/XXXX From XXXX XXXX department : investigation opened, ticket # XXXX, confirmed the address, states the female used my DOB but no other information ( no social, etc. ), states they also opened additional accounts that are under additional people 's names and SSNs as recent as XXXX XXXX, XXXX I am currently a spectrum customer and in good standings. Confirmed service from 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 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX XXXX data breach and may have gotten 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 explanation
Consumer complaint received 2023-10-05
Company: WELLS FARGO & COMPANY
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
on XX/XX/2023, someone by the name of XXXX XXXX added themselves as a zelle recepient without my knowledge and used my Wells Fargo zelle service and withdrew the amount of XXXX dollars out of my well fargo account and sent it to theirs. Once this transaction was made, I was contacted immediately by the wells fargo 's fraud detection department. There were also addresses that aren't mine added to my account and some of my wells fargo bank related mail were being sent to those as well. The agent asked if this was an authorized transaction, and I said no and he told me that he would cancel this transaction and send me a link to update my id and password. None of these ended up happening and the transactions were eventaully confirmed. So I contacted wells fargo to submit a fraud claim for this transaction and they also helped me close my current account and create a new one. Within 10 days, I was notified from wells fargo that they deemed this transaction authorized by myself and will not be taking any action.

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 2020-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The company has reported me as deceased to the credit bureaus and I am unable to obtain credit. I have made several attempts to correct the inform and each attempt has been unsuccessful. I went into their store to provide identification as requested and my file remains incorrect. I was advised to take identification in a store to have the deceased notification removed from my file. That was done on XX/XX/20 when I spoke with a XX/XX/XXXX# XXXX at their XXXX, WI store and I was advised the three major bureaus would be notified within 30 days. I attempted to obtain a loan from XX/XX/XXXX 30 days later and was denied due to being reported as deceased. Please review my attached documents regarding my encounters with Kohls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation