BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: NC
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:
Please help me to validate the misreporting on my credit report and update my credit score and accounts found in my credit file.

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 2022-07-12
Company: WELLS FARGO & COMPANY
State: OH
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:
I received a letter from Wells Fargo Bank letting me know someone tried to open an account in my name. I called them and they told me to report it even though they handled things on their end

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 2019-07-17
Company: EQUIFAX, INC.
State: MN
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:
IvetriedcallingtoverifymyidentitybecauseIcannotaccesstheonlinedisputethingforEquifaxbuttheagentsdontseemtounderstandwhatIwanttodoIdonotwantthemtotellmethestatusofmydisputeIwanttoviewitonlineIwanttounlockmyaccount

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: FEDChex Recovery, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Yesterday I saw I had a call from XXXX that went straight to XXXX. It was a pre-recorded message from someone claiming to be from FCR Collection Services and to call XXXX. My son also found 3 text messages flagged as spam from them ; 2 of them received within an hour of each other. I've never received any written communication from them. I am a XXXX XXXX and this company is trying to run a scam on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 having issues with the credit bureaus, XXXX, Transunion, and XXXX. I have been submitting disputes for the past 6 months, and I have not received not even ONE letter from the bureaus. Per my investigation, the bureaus under the law have 30 days to provide results and I have yet to receive ANYTHING! 
I am requesting that the bureaus provide results to me in a timely matter and remove these erroneous items off my credit.

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 2019-03-10
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: Account status incorrect

Complaint:
My Experian credit report showed that on or about XX/XX/2018, I had a late payment account and a collection account with the debt I never owe. I disputed and Experian refused to delete the incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: EQUIFAX, 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 sent three rounds of dispute letters to Equifax in the months of XXXX through XXXX each time I asked them to validate these medical accounts but they never did as a result they're telling me they're no longer investigating on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX citi bank approved me for XXXX $ secured credit card withdrawal XXXX $ from my checkingaccount. On XXXX I went to make a purchase. It was declined I checked account and seen it was closed. Shocked! 
I called customer service they told me to wait 30 days for my XXXX $ Only to offer paper check to be refunded I asked where is my money! 
I wasn't given answers but, " well you need to check your XXXX  and credit '' Very rude and patronizing demeanor towards me. 
Disgusting financial institution, to claim helping individuals, instead deny knowledge of closing the account and deny refund. 
I can't afford to wait 30 days before returning my money. 
Huge scam to false promote service. They refuse to explain cause! 
Tell me I need to do research on why it was closed. And say it was a bad decision to open the account in the beginning. 
. Wowww. To XXXX WITH CITIBANK

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 2018-02-13
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
To whom it may concern, I believe the company XXXX XXXX XXXX is a scam. Due to I purchased 2 samples online and I did not receive the samples till several later days after I ordered them only and I happened to check my bank account on XX/XX/XXXX and noticed that XXXX XXXX charged my account for {$100.00} dollars I immediately called my bank to gather XXXX XXXX information to contact them. I contacted XXXX XXXX XX/XX/XXXX I left a message XXXX XXXX never returned my call, I then called back XXXX and I spoke with a XXXX on XXXX she told me they do not give out full names just a first name and she offered to give me {$50.00} dollars of my money back she claimed I was supposed to cancel order for XXXX XXXX XXXX XXXX in 17 day which I was never informed of that. I never agreed to 17 days and never did I authorize XXXX XXXX to charge my account for {$100.00} dollars I repeatedly asked XXXX to speak with a Supervisor and she refused to allow me to speak to a supervisor she told me a supervisor XXXX would call me back on XX/XX/XXXX but a supervisor never returned my call. I never received any letter confirming they would charge my account for {$100.00}. I did receive a confirmation letter of the samples I purchased and a letter of them cancelling XXXX XXXX XXXX XXXX purchase order the purchase id XXXX. I never received a letter confirming a purchased order. I thought this was very deceiving and misleading business of XXXX XXXX.Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-21
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
After making a sizable payment ( {$12000.00}. ) in XX/XX/XXXX, my next statement noted that the next payment was n't due until XX/XX/XXXX. Even so, I have continued to make payments. I am trying to find out why the payment due date for moved so far in advance, what my balance was after the XX/XX/XXXX payment, and if they were still adding interest even if the payment was n't due for another 4 years. I would also like to know why I was n't given any choices or explanation for the changes after the XX/XX/XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: VA
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:
There are inquiries on my credit report that do not belong to me

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 2019-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX To Whom It May Concern, I have recently been informed that there is negative information reported by These Companies in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with these bureaus and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2.  ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau Ripoffreport.com P.P.S CFPB Reports Debt Validation Is Required Not Optional. 

Please Be aware that according to The FTC, an itemized printout does not represent verification.

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 2023-03-21
Company: SANTANDER HOLDINGS USA, INC.
State: SC
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 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 15 USC 1681s-2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/23 I wrote equifax a dispute letter, disputing late payments on my student loans because I was never late. I asked them to re-investigate their outcome on my dispute and send me proof of verification. I sent this to Equifax certified mail # ( XXXX ) and equifax has not honored my request by re-investigating this matter, and has yet to send me proof of verification, To which is a direct violation of several of my rights under FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Self Financial 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:
On XX/XX/2023, I got a notification from XXXX that my score dropped. I checked it immediately and found out that an account was opened under my name without my knowledge. It was for secured loan of with SELF FINANCIAL/LEAD BANK ( Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX ) for {$3000.00}. I knew right away that this isn't mine of course because of so many red flags. One, I never apply for a secured loan because I don't do collateral. Second, when I checked my personal information, there were inaccuracies in the information. An address that I am not familiar with was on my file. This definitely made it clear that someone had access to my personal information and that my identity has been compromised. I immediately called the bank ( Lead Bank ) to whom the loan was made to let them know that the account created under my name was fraudulent but the representative told me to call another company SELF FINANCIAL to file a fraud/complaint. I tried calling SELF FINANCIAL and of course it is an automated voicemail with instructions on how to report fraud. I emailed the SELF FINANCIAL at this email address - XXXX. At first, they instructed me to file a report to www.identitytheft.gov which I did and submitted this report over to them along with a cover letter explaining why this account was fraudulent. I gave all the information that threw red flags on my report including an unknown address that I've never seen on my report. I submitted the documents on XX/XX/2023 and followed up on XX/XX/XXXX but still no response from this company but they keep on reporting to the credit bureaus. I submitted these documents to all three credit bureaus and told them about the fraudulent account. As an additional precaution, I also froze all accounts on all three credit bureaus. I am just disappointed with XXXX when I got a reply saying they won't change my credit report even with the inaccuracies in my personal information in the report. I would just like to get this account off my all my credit reports because of the obvious inaccuracies and plus, I don't really do Secured Loans because I don't have collateral. I wonder what collateral was used to secure this loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Other

Complaint:
My niece XXXX had used credit cards and XXXX XXXX calls everyday 3 or more times a day.we have told them she is XXXX and we will work on these when we can, That she will be XXXX for 2 years.but they keep calling.them and kohl 's department store.they both call all the time.I had a payday place call me and tell me that I had taken out a loan XX/XX/XXXX and here it is XX/XX/XXXX and I was upset because I did not take out any loan how could I when I had no job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I processed a payment through on-line bill pay with Bank of America through my small business checking account. The payment was to pay a vendor I have done business with many times. 

Pay to : XXXX XXXX XXXX  Scheduled Payment Date : XX/XX/2022 Amount : {$2700.00} XXXX XXXX XXXX never received the paper check that was processed by Bank of America. Someone stole it out of the mail, forged the check, and cashed it. Per my request, Bank of America sent me a copy of the cashed check with the forged signature. It was cashed on XX/XX/2022 and signed by someone who has no affiliation with XXXX XXXX XXXX 

Initial Claim number with Bank of America : XXXX The first claim was processed on XX/XX/2022. On XX/XX/2022, I received a letter that Bank of America denied the claim because the transaction in question was completed using a device that is consistent with previous valid account activity. '' How the payment was generated was not the issue. The issue is that someone stole the check and cashed it. 

Upon receipt of the claim denial, I called Bank of America again and they started a new " case '' under XXXX XXXX XXXX. XXXX XXXX XXXX had to fill out paperwork and have it notarized to confirm they did not receive the funds which was done in a timely manner. The only update I get is that Bank of America is in the process of researching the issue, and they are waiting for " XXXX XXXX XXXX XXXX '' to respond. 

Bank of America has been giving me the run around on this since XXXX XXXX. I have spoken to XXXX in Texas, XXXX in Texas, XXXX in Florida, XXXX in Georgia, XXXX with the XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX in Florida again as well as numerous correspondence requests through email. I have made over 20 contacts with Bank of America and nobody will take ownership of this and get the issue resolved. 

I would like my {$2700.00} put back into my business checking account. Bank of America 's complete lack of service and follow through on this issue has been beyond frustrating. 

Thank you in Advance for your help with this issue.

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 2019-04-05
Company: EQUIFAX, INC.
State: FL
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 dont remember inquiries for XXXX on XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I AM CURRENT ON ALL CHILD SUPPORT AND COLLECTION MUST BE REMOVED FROM MY ACCOUNT. Please remove the entire " XXXX '' efforts from my credit report, from XXXX XXXX XXXX ( XXXX ). 

please see attached, and remove the collection efforts. 

See letter dated XX/XX/XXXX 

XXXX amount should be {$0.00}. 

Not owed ; not due. 

Please remove from the credit report. 

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 non-monetary relief
Consumer complaint received 2017-03-01
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Was unemployed from XXXX to XXXX. Called every month and told them I could n't make a payment. Told me the only option was to lower payment ; no deferment and no option for no payment. I was finally informed in XXXX that I could defer my payment for up to 12 if I paid {$50.00} for each loan every 2 months. After the 6 months were up I could not make any payments still and the only option was to lower payments and to have payments automatically withdraw from my credit card. Now I ca n't make my credit card payment after 6 months of the automatic withdraw coming out and I ca n't make the lower payment. I called twice and told them I need help ; I ca n't keep making the lower payment or any payment and they tell me they ca n't help and their is no options for help and I have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XXXX  XX/XX/XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX  XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX To Whom It May Concern, I have recently been informed that there is negative information reported by These Companies in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with these bureaus and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc :  XXXX XXXX XXXX XXXX P.P.S CFPB Reports Debt Validation Is Required Not Optional. 

Please Be aware that according to The FTC, an itemized printout does not represent verification.

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