BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a XXXX late payment reported for XXXX of 2019. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Due to Covid-19, my household has faced a reduction in income. We are just getting back on track with bills and managing everything at the same time. However, in the course of the last few months we have had a few returned payments from ACH payments related to our bills that were set on AutoPay. Navy Federal Credit Union has charged us over {$600.00} in returned payment fees, many of which were for the same bill that attempted to be drafted more than once. We have reached out to Navy Federal on multiple occasions, via phone calls, in person visits and in writing, requesting that at least some of the fees be returned as goodwill in order for us to continue getting back on track during these hard times. However, Navy Federal has denied our request for the fees be returned stating our account was not eligible and replied to our letters stating they were available to answer questions regarding the fees but we haven't made progress as far as having any fees returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: AZ
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:
This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. 15 U.S. CODE 1681C - REQUIREMENTS RELATING TO INFORMATION CONTAINED IN CONSUMER REPORTS XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This is a follow up for the earlier complaint # XXXX The company not only did not address the issues but accused me of improperly filling out the forms that they claim they needed. On XX/XX/XXXX I received a email that they need more time to " study the issue '' to address it better. After XXXX month on XX/XX/XXXX I received a call from Wells Fargo representative stating that I didn't put zip code on my application and that it is my responsibility to fill out all their forms correctly. I did check my forms after the conversation and it have the zip code clearly stated on the form. So the Wells Fargo Rep. either did not look at the forms herself or is intentionally lying to shift the blame. After XXXX month of " studying the issue '' the only thing they could come up is to falsely blame me in filling out the forms wrong. It is not the kind of customer service I expect from the company that holds my money. I scheduled appointments 3 times to try to seek an advice of their branch representatives and branch manager of how to fill out all the forms correctly. I believe it is the responsibility of the company to provide the counsel to their customers of how to fill out the proper documentation as well as provide the feedback if any of the documents are not filled out correctly. I received none. My account was closed without a warning. It caused a severe strain in my ability to run my business.

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 2019-07-11
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: Their investigation did not fix an error on your report

Complaint:
I disputed the inaccuracy of an bankruptcy that was on my credit report with all 3 credit bureaus. XXXX was the only on deleted the inaccuracy from my credit report. XXXX and Equifax are still reporting it as being verified but want state how they are verifying it. I have disputed it several times with my lastest being XX/XX/XXXX. I tried again in XX/XX/XXXX but they are not letting me dispute again and keep saying it's verified. This is the message I keep getting from them : " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I have been going back and forward with them about this for the last 6 months. On both of my credit reports it shows no numbers or account numbers to even verify the information so how is it even being verified as they are saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the XXXX XXXX 'd appreciate it if you could update this reporting account as soon as feasible. Account should be rectified as soon as possible if you do not comply with the instructions. 's customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: OH
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 XXXX XXXX XXXX XXXX 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX  has collections that I disputed its been a significant amount of time exceeding 30 days that I have disputed these accounts I am asking for these accounts to be removed Confirmation # XXXX was submitted XXXX Confirmation # XXXX XXXX Confirmation # XXXX XXXX According to the fair credit reporting act a Bareau is required too complete there investigation within 30 days if they do not the negative item must get removed I am willing to take legal action if it is not removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
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 fraud alerts or security freezes

Complaint:
TransUnion allowed a person other then me to place a extended fraud alert on my Trans Union credit profile and I have been fighting with trans union for almost a year now trying to get them to remove the extended fraud alert that I did not place and I had a TransUnion account where I can go online and deal with it but I tried to remove the fraud alert through my online account would not let me to do it so I called Trans Union and told them the situation and they have made it to where XXXX cant even access the online Trans Union site that paid for And every time I called them they want me to mail copies of my personal information in the mail to their po box before they will remove the extended fraud alert that I didnt even place to begin with. I have told them that sending a copy of my driver license and a copy of my social security card is not safe to be doing. I asked them if I could fax the information and they said they didnt have a fax machine and then I asked them why can I upload the documents to the online site for Trans Union where you can upload your documents and they said that they dont do that it Has to be in the mail. And my mother days are in and stole them once like I dont think its a good idea to be sending my drivers license and Social Security card in an envelope in the mail or it could get lost

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 2023-08-03
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 


XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
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: Account status incorrect

Complaint:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX are unverified unauthorized accounts, I am a victim of identity theft and found these reported on my file and since then Ive filed a ftc report and reached out to creditor and XXXX to have them removed but they still reflect

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 2019-07-11
Company: EQUIFAX, INC.
State: MO
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:
Equifax ; XXXX  and XXXX are reporting incorrectly lates on the XXXX XXXX account number XXXX. ( Please see page 4 of the attached credit report. ) These student loans were deferred and consolidated and therefore should not be reporting on my credit report. I have contacted the ( 3 ) bureaus to remove this item, however I was unsuccessful. This incorrect reporting is harming my credit score and these line items need to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a first-year international XXXX XXXX  at XXXX University ( please refer to Attachment 1 for proof ). I opened both a savings and a checking account at Bank of America ( BoA ) on XXXXXXXX XXXX XXXX, with the intention of using these accounts to manage my university stipends and cover my daily expenses. However, things did not go as planned. 

On XXXX XXXX, I received a paper check for my first month 's stipend, totaling {$6600.00}, from XXXX University ( please see Attachment 2 for my funding letter and Attachment XXXX for my paystub ). I deposited this check at a BoA ATM. Unexpectedly, on XXXX XXXX, I discovered that my accounts had been locked ( please refer to Attachment 6 for my transaction history ), and all my deposited funds were frozen. 

Concerned, I visited a BoA branch the next day to inquire about the issue. A specialist informed me that BoA had decided to close my account, suspecting that the check I had deposited was fraudulent. To substantiate my claim, I provided BoA with the front page of my check ( Attachment 2 ), confirming that XXXX University had indeed issued a legitimate check to me. 

However, when I revisited the branch on XXXX XXXX to follow up on my case, I was informed that their decision to close my accounts was final, and my check was still under investigation, which would take less than 1-3 months. Furthermore, they could only return the check to me if their investigation determined it to be genuine. As of today, the entire balance in my checking account, amounting to {$6800.00}, remains frozen by Bank of America. 

All the funds in my account are legitimate, and the check I received was issued to me by XXXX University for my stipend. Given these facts, I have no idea about why BoA chose to freeze my funds and close my account. Their actions are entirely baseless and have had a significantly adverse impact on my life. 

I hereby demand the following actions from BoA : 1. Swiftly restore access to my accounts. 
2. Release the frozen balance in my checking account without delay. 
3. Given that this situation arose due to BoA 's errors, and I have not engaged in any fraudulent activity, I insist that this case should not have any negative impact on my credit history. 

Attachments : ( 1 ) My XXXX University student ID ( 2 ) My funding letter from XXXX University ( XXXX ) My paystub from XXXX University 's portal ( 4 ) The front page of the check from the Trustees of XXXX University ( 5 ) Photographs of the check ( 6 ) My transaction history, provided by the Bank of America XXXXpecialist.

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 2020-04-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom It May Concern : I pulled my credit report today and after an analysis, I've found some information that needs to be disputed. I'm not sure how to do this other than to send a letter to you and ask for it to be investigated or for you to look into all of this, because I don't understand why it's reported inaccurately to begin with. Aren't you supposed to ensure its accuracy prior to the information being reported on the actual report? I thought that when a creditor sends their accounts to be reported, you're supposed to check their documentation. At least, this was what I read. 

Please also send me a new credit report reflecting the changes that you've made so that I can make my own determination and compare it to the original. I'd also like to see any paperwork that was furnished by any creditor or agent of any company performing the investigation. 

XXXX  XXXX Delete this account because Date of Last Activity does not show the same on all three credit reports. 
Delete this account because Date Opened does not show the same on all three credit reports. 
Delete this account because High Credit does not show the same on all three credit reports. 
Delete this account because Last Reported does not show the same on all three credit reports. 
Delete this account because Date of Last Payment does not show the same on all three credit reports. 
Stop reporting this due to FCRA non-compliance of inaccurate data being furnished on the consumer report XXXX XXXX  XXXX Delete this account because Date of Last Activity does not show the same on all three credit reports. 
Delete this account because Date Opened does not show the same on all three credit reports. 
Delete this account because High Credit does not show the same on all three credit reports. 
Delete this account because Last Reported does not show the same on all three credit reports. 
Delete this account because Date of Last Payment does not show the same on all three credit reports. 
Stop reporting this due to FCRA non-compliance of inaccurate data being furnished on the consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have been disputing this acima account because it is not me the address they have does not match mines. I also disputed XXXX XXXX XXXX and merchant credit guide. It is in violation of the 15 U.S.C 1681G Law this is not verified.

Company response to consumer: Closed with explanation