BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-14
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
a fraudulent account was opened using my personal information. my personal information was stolen due to the data breach from XXXX insurance. i was made aware of this by XXXX XXXX. 

The account was XXXX XXXX loan for XXXX. I have attached a notarized FTC affidavit of identity theft and the letter from XXXX insurance indicating my personal info was stolen.

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 2023-07-25
Company: Experian Information Solutions Inc.
State: KY
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 XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported XXXX XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
I contracted to make a purchase through XXXX. The purchase was made with the understanding I would have the product by a certain to which the supplier agreed to. 
Three weeks after the agreed on delivery I still did not have the product. I contacted the supplier and told them I was cancelling the order and requesting charge backs on the credit cards used. Four weeks after the date I cancelled the order XXXX XXXX  show up with the delivery. The delivery was refused, returned to the shipper and I thought the matter was settled. The bank has documentation that the order was cancelled prior to receipt of the order and documentation that it was returned to the shipper However for some reason Bank of America is refusing to acknowledge the charge back. They are claiming that the charge was valid and is due based on lies that the shipper has given them I want this charge 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 2023-07-25
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-25
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023

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 2023-04-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Recently, I did an investigation on my creditr report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report under 15 U.S code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 non-monetary relief
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: PA
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-04-20
Company: FIRSTBANK PUERTO RICO
State: VI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I first spoke to a representative of First Bank XXXX XXXX XXXX being applied to my credit card account because I was going on XXXX. I was given an email on XX/XX/XXXX by the rep to send out I sent it out that day and didnt hear back in two weeks so I called and sent it twice again another two weeks or so I didnt hear anything at all from this company who promised me on the phone thats all I had to do. So on XXXX XXXX I stepped foot in First Bank XXXX XXXX XXXX. The young woman that helped me was very helpful she double checked the system for my orders and didnt see anything so she proceeded to call and the person over the phone that she contacted told me that the following Tuesday I would be good to go. It is now XX/XX/XXXX and the only notification Ive been getting is added charges to my account. When I was on the phone with these reps Ive called several times I told them I would be able to pay my account down when I get on my orders. Instead this company completely disregarded my orders and me reaching out to them. I have attached pictures with stamped dates for when I received the email from the first phone call to my messages between the two last reps. Please help with youre assistance. Im already XXXX and Ive taken care of every business aspect of my life except this one because they constantly have me running around. I also attached the last payment I made this month you can see that they are STILL charging me late fees and the attachment from XXXX XXXX report of them closing my account out AFTER I sent in these orders and reached out to them several times! This is unethical practice and this company needs to be held accountable for their negligence. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: BANK OZK
State: AR
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I already opened a case with Consumer Finance ( my case number is XXXX ) concerning a CD at OZK Bank . ( In short, they closed my CD after XXXX weeks, without any notification, and sent the principal approx XXXX $ back to my account at XXXX. No mention of the interest. So I contacted your organization. a few. days ago, I received a paper statement from OZK demonstrating that approximately XXXX $ had accumulated.. Today I called OZK and the manager agrred to transfer the XXXX $ to XXXX BUT I asked why theyhad decreased the XXXX % from 6 % that I expected to 5.3 % and she said because the account was cled early. ( Usually, if the client closes early then that is understandable to have a punishment but when the bank closes early the original terms are honored ( ie I should get the 5.6 % apy ) Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing this complaint because I was notified via mail of an XXXXXXXX XXXX account that has been placed into collection. This account and debt do NOT belong to me and are a result of identity theft! There are many inaccuracies in the information on the account in question. My name, the account was used at an address that I have never lived in or been associated with, the email address on file does not belong to me, and I have not physically lived in XXXX or rented or owned an apartment or home since XXXX. My parents have lived in the same house all my life and their address is not the one where the XXXX account was used. I have NEVER had any services with XXXX. As a matter of fact, back in XXXX I was a victim of identity theft and had to dispute a previous XXXX account that was opened using my identity. That dispute was successful. I have reached out to XXXX who is both the original and current creditor, but all attempts at having this account removed have been unsuccessful. I have also reached out to I.C. System Inc to dispute the ownership and inaccuracies of this account with no result. I have attempted to have this resolved many times since first being notified of its existence almost 3 years ago.

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 2019-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint:
Capital One Bank account # Reference : Capital One 360 CD account ( cancelled 6-27-19 ) # XXXX. 

I just called Capital One Bank 360 customer rep againXX/XX/2719 and not happy with their answer and decision. They advised me to cancel the CD account without giving me the accrued daily interest because I told them that the interest CD rate they gave me to renew the one year CD account did not match what they offered me 4 weeks ago when their office sent out email inviting me to renew the CD at 2.7 % ; I found out they actually gave me 2.3 % on XX/XX/19. 

I questioned their office why they emailed me 4 weeks before the mature day and offered me 2.7 % rate if I signed up the auto-renewal 4 weeks ago for another year. They did not give me the satisfied answer. 

The customer rep said " per their bank policy, I can cancel the CD today upon my call but the past few days would not receive daily interest. "

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: CITIBANK, N.A.
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: Public record information inaccurate

Complaint:
To Whom It May Concern, I hope this email finds you well. I am writing to follow up on an unresolved dispute with Citibank, associated with complaint ID : XXXX. Despite my repeated attempts, Citibank has failed to adequately address the issue, incorrectly asserting that the window for dispute has closed. I would like to bring to your attention the circumstances surrounding this dispute and the subsequent detrimental effects on my credit score. 

The dispute in question is related to a transaction made through XXXX, a company of XXXX XXXX XXXX. It has been acknowledged by the merchant that they did not forward my paid taxes to the state of Illinois, which subsequently necessitated my repayment. In writing, the merchant has requested that I initiate a dispute with my issuing bank, as they are unable to issue a direct refund since the funds have already left their coffers. 

However, my issuing bank has not only refused to honor my rights as stipulated by Regulation Z ( Billing Error Resolution ), but it has also charged me interest on the disputed amount. Furthermore, the bank has added a line item to my credit report indicating that I initiated and lost a dispute. These actions have had a severe and negative impact on my credit score and financial well-being. 

Therefore, I respectfully request the following actions be taken : 1. Reexamine Dispute XXXXXXXX : I urge the issuing bank to thoroughly reassess the details of the dispute. It is unrealistic and unfair for the bank to expect customers to possess knowledge beyond what the merchant displays as its name on its website. Therefore, the bank 's claim that I submitted the dispute with the wrong merchant is false and misleading.

2. Remove Accrued Interest : I kindly request the immediate removal of any accrued interest related to the disputed amount. Charging interest on an unresolved dispute only exacerbates the financial burden imposed upon me.

3. Remove Credit Reporting Line Item : I request that the line item added to my credit report, indicating that I initiated and lost a dispute, be promptly removed. This erroneous entry has significantly and unjustly impacted my credit score, hindering my financial opportunities. 

I emphasize the urgency of this matter and the detrimental consequences it has imposed upon me. I implore you to address these concerns promptly, rectify the credit reporting inaccuracies, and provide a fair resolution in accordance with the applicable regulations. 

I appreciate your attention to this matter and trust that you will take the necessary steps to resolve these issues in a timely and satisfactory manner. 

Thank you for your understanding and cooperation. 

Sincerely, 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 2020-08-18
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/XXXX, I requested the opening of a checking account through TIAA Bank. Even though my application went through and I was waiting for a final decision ( I don't know who makes this decisions ) someone at TIAA canceled my application. I was never advised why my account had been denied from opening. I had to login myself only to find out this person made an unreasonable decision. Never received " adverse action '' to find out and have a little of details on why my application was denied. 

Furthermore, I held an account before with TIAA Bank, more than a year ago. I opened it without any kind of trouble, this time the human being who checked my application approved me and I was able to enjoy of their benefits for a short period of time. It wasn't until a company that owed me money sent me a fraudulent check that was deposited in my XXXX XXXX  account ( still current bank, because real humans work there ) and I decided to take my business to TIAA,  again, because of their benefits. I right away deposited a personal check for the amount of pending funds plus amount on account ( XXXX XXXX ) to TIAA, to start my business with them, but unfortunately check never posted due to my Bank couldn't verify funds and didn't approve the transfer to my new Bank ( TIAA ). My account was closed, customer Service worthless, don't understand, don't believe in anyone, rude people, told me to try again applying for a new account, they can't reopened it because it was closed already, worthless people who by the way had the power to reopen account and didn't do it just because 1 single and simple error, the worst Bank ever at the moment and how I will call it in social media and the internet from now on because I will make my job for the American people to know what kind of Bank is this. 

All in all, waited all this time for that bad remark to go away and wanted to give it a try again, looks like I'm still wrongly flagged and I can't open an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: TX
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 again my credit report, I discovered that some of the information was still erroneous. The 3 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 that need to be investigated and corrected 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 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 2020-08-18
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hi, My name is XXXX XXXX, last month I tried sending money and I made a mistake on a WesternUnion transfer. I was told to go to the XXXX I had originally done the payment to get my refund, however, there was always a error message. I called WesternUnion and they told me I had received the refund which isnt true. The man I spoke to told me to a expect a call to do further investigation, but its been weeks and I still havent heard back. The tracking number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: MD
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 am a federally protected consumer. I know my rights and I understand the law and what it entails. I sent in dispute letters requesting fraudulent items to be removed from my consumer report. It has been over 30 days and the items are still furnished on my consumer report. Pursuant to 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. I never gave Equifax, XXXX, and XXXX written consent to report anything on my consumer report. No consent is identity theft! If they are not removed I will no longer extend my credit or allow Equifax, XXXX, and XXXX to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By XXXX, Equifax, And XXXX allowing these inaccuracies to be furnished on my consumer report it has cost me to lose confidence in the banking system. There is no way an account that a medical bill breaking my rights due to HIPAA should be placed on my consumer report this is illegal. As well as an account that is a part of a finance charge which is violation my rights and I am owed {$1000.00} per violation for. If XXXX, Equifax, And XXXX wants to continue doing business with me they should delete the inaccurate accounts from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: VA
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 submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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