BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-02
Company: TRUIST FINANCIAL CORPORATION
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I got a couple of payments taken out of my checking account and then they stopped. I had called me bank and told them to stop and now they are starting up again and my bank is not putting them through but they won't stop and I have no idea what this is for.

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 2024-01-06
Company: Prosper Marketplace, Inc.
State: PA
Product: Credit reporting 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:
The company has specifically recognized that they don't hold the account for which they are reporting. I have attached an email received from Prosper Market stating that. But Prosper Market is still reporting the account. Your service can also verify with the company Prosper cited as the owner of the account, XXXX XXXX XXXX XXXX, which I reached out to also. They also denied the existence of this account. 
Please verify with XXXX XXXX XXXX XXXX to ensure that this is an error and needs to be corrected on my credit report. 
Therefore, I want the account from Prosper Marketplace to be definitely removed from my credit report. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: SLM CORPORATION
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My wife and I have a student loan with Sallie Mae. We made and payment to Sallie Mae and then followed up by calling because account was still showing up passed due. Once my wife and I called them and told them the information was incorrect and asked for issue to be fixed, they continue to investigate the issue and always said to us that the issue would be fixed in the next 2-5 business days and the issue never was fixed. We continued to call and nothing was done. I decided to end it and make the payment they said was owed. Once I made the payment, the company reported we were passed due and immediately my credit score took a hard hit. I then again called back and still nothing was attempted to be resolved or fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 2023-10-19
Company: Law Offices of Robert J. Colclough, III
State: CA
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:
under section 15 usc 1681 i am disputing this debt for these following reasons. this account is not mine the balance being reported is not correct I have no prior knowledge of this account and it does not belong to me Why are you reporting this on my account? FCRA requires all information to be accurate! Please remove this immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had an account that had some fraudulent activity occurring. The institution said they would fix the issue. They did not. The account was closed by the institution months ago. I was not paying for a fraud that was occurring especially when the bank said they would handle it. I recently had a direct deposit from my employer sent to that closed account instead of my current one. The old bank now tells me they received the direct deposit, reopened the account and if there are any funds left they will send me a check. My problem lies in the fact that they did not honor fixing the issue nor try to even give me a new account and fix the initial issue. I find it deceptive for them to reopen an account they closed, accept a transaction and think I am not going to exercise my rights as a consumer because they refused to treat me as a customer in that situation. I had a direct deposit fro XXXX XXXX XXXX to deposit on XX/XX/2023. The old institution did not return the item. Unacceptable. The amount of my check was 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 2020-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Unable to open a checking account with any other bank because BOA has flagged my XXXX XXXX XXXX account as fraud. I have been a victim if identity theft. This is doing damage to my name and my livelihood. I have tried to resolve this with Bank of America.

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 2023-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 was noticed last night my credits were being looked about by capital one. I did not open a credit card someone used my information. They got my XXXX and XXXX credit reports. I called the company they said there was no account under my name but this afternoon XX/XX/23 capital one called to let me know there was a fraud department asking if I opened an account and I said no. The told me to notify XXXX and XXXX to let them know it was fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: NC
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 waited 60 days to get a response from this company to only get back a response that clearly proves they did not do a reinvestigation at all. I asked them to delete two accounts nothing more after 60 days they responded back they did a reinvestigation on all 7 accounts. Where did the other five accounts come from or better yet who are they responding too? Their time is up now and I demand that the two accounts I asked them to remove be deleted.

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 2023-11-04
Company: Possible Financial Inc
State: MS
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:
Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b such company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4 This company listed below, used mis-match information to open an account fraudulently, with incorrect information, I have since disputed and proven the personal information and it has been removed from some but not all credit bureaus. However the fraudulent accounts associated with the personal information have not been removed. XXXX opened XX/XX/XXXX with late payments, XXXX XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX and XX/XX/XXXX. I have never been affiliated with these businesses.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
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: Was not notified of investigation status or results

Complaint:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Gatestone & Co. International Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXXXXXX XXXX and don't have a contract with Gate stone & co. International inc . They did not provide me with the original application like I asked. Acct # 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 2021-06-28
Company: JPMORGAN CHASE & CO.
State: WI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/21 I made a reservation via XXXX for a rental car through XXXX. I have a child who is XXXX to a XXXX and we would need a vehicle that could accommodate his chair. I reached out to XXXX prior to booking through XXXX and asked if they would " upgrade '' me into a vehicle that was larger if I booked the rental from XXXX. They said that it was fine and to just call back once I got my reservation number. Once booked I called back and their answer at that time was I'd get whatever car was available at the rental office. I called XXXX to cancel and they told me they have a no cancellation policy. I booked a XXXX through another company and since then I've been trying to get my money back for a rental I never used and gave ample notice to cancel. Chase told me today via their supervisor XXXX that they have sided with the merchant and I can not reopen the dispute. I was billed {$220.00} for something I never got, had no chance to use and made every good faith effort to cancel. Every rental company over books their product and they suffered no loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was locked out of my Coinbase account, and have been attempting to contact customer support for three months. No one from the company has allowed me access to my funds in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-10
Company: Experian Information Solutions Inc.
State: NC
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 am attaching a copy of the letter my husband and I sent to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but have not.

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 2021-06-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I look at my Credit Report and i see unauthorized inquiries on my report from XX/XX/ 2021. I did not authorize XXXX XXXX XXXX XXXX, global lending service or XXXX motor acceptance to look at my credit report i dont have any accounts with those companies i have sent letters to experian and the companies asking them to remove the inquiries

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 2022-01-17
Company: CITIBANK, N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Saturday XX/XX/2022 Received a text msg from citi.com : Please confirm you recently opened a XXXX XXXX XXXX Account. XXXX, XXXX, or contact us at city.com. Reply STOP to opt out. 

Monday XX/XX/2022 Received same text as above. 
XXXX Immediately received text back : XXXX XXXX Citi : We've blocked this card and lets get this taken care of. Please call Fraud Dept at XXXX or visit citi.com I went online and found customer phone number on Citi.com website. Called spoke to a lady, she spelled her name, XXXX. Explained to her I did not apply for a XXXX XXXX XXXX Account. She reviewed with me all my personal information and verified that my information was used to apply for the card. She proceeded to Closed the Credit Card account and said she opened an internal investigation with Citi Bank Fraud department. 

I would like CFPB to check into phone XXXX to make sure it belongs to Citi Bank or if it is a fraudulent phone number. I did not call this number because I will not give out my personal information to someone that I did not initiate call to. 

Fraudulent texting or solicitation???? [ is it possible that Citi Bank is using this type of text to get someone to apply for a credit card??? ] Contacting you so that situation is noted. 

XXXX2022- Citi Bank has been called by myself, personally, and XXXX XXXX XXXX Account [ Credit card ] has been cancelled and verified as fraudulent. 
Thank you in advance.

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 2023-10-20
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13
Company: TD BANK US HOLDING COMPANY
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, my mortgage with TD Bank was paid in full. On XX/XX/XXXX, they took XXXX out of my checking account for a mortgage that was PAID IN FULL. They also owe me over XXXX for money that was in my escrow account to pay taxes and homeowners insurance. I spoke to customer service on the XXXX and was told a check would be sent out that day. It is the XXXX of XXXX and I have not received anything from this bank. I also need to be paid the interest on all the monies that I would have received if that money was still in my own account. I also need to be reimbursed for postage or the gas that it takes to drive from XXXX Maine to XXXX New Hampshire which is where my Credit Union is located. That is XXXX miles one way, so XXXX miles worth of gas.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-29
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
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:
This is a formal complaint against Nissan Motors Acceptance located in XXXX TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. 

They are reporting an account on my credit report that was opened in XXXX and charged off in XXXX, which is well past the allowed time for reporting to the credit bureaus. They have illegally re-aged this account and recently sold it to a collection agency that filed a lawsuit against me, which I hired a lawyer for and won the lawsuit, given the violation and expired statue of limitations. I have disputed directly with the credit bureaus on this account and Nissan continues to respond as account being verified, but fails to provide me with proof. 

Despite my efforts to resolve this unfortunate nightmare for several months now, Nissan Motor Acceptance, has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Synovus Bank
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a credit card balance with first digital, I paid the entire balance and requested closure of the account they closed it but still reported the account as a charge off and i called them they said they dont charge off accounts until 120 days late but on my credit report its inconsistent, my credit report is showing account in good standing on XX/XX/XXXX, then past due 30 days XX/XX/XXXX on XX/XX/XXXX in good standing again then on XX/XX/XXXX i called to pay the whole balance but the month the entire balance was paid yet its listed as a charge off. They informed me they charge off accounts after 120 days so there should be no charge off listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: MD
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance : {$32.00} XXXX XXXX XXXX Balance : {$21.00} XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation