BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX ) XX/XX/22 Bank of American ( BofA ) Advantage Savings Account XXXX XXXX XXXX opened. 
XXXX ) XX/XX/22 Transfer from XXXX XXXX XXXX initiated. {$10000.00} XXXX ) XX/XX/22 Transfer to BofA received/recorded. {$10000.00} ( from BofA statement XXXX ). 
XXXX ) XX/XX/22 Notification 1 from BofA that Account XXXX XXXX XXXX unilaterally closed. 
XXXX ) XX/XX/22 BofA account closing transaction listed as - {$10000.00}. ( from XXXX statement ). 
XXXX ) XX/XX/22 Notification 2 from BofA that Account XXXX XXXX XXXX closed. 
XXXX ) XX/XX/22 Final bank statement from BofA, covering XXXX. Account closed. 
XXXX ) XXXX? XXXX Check received from BofA, for {$100.00}. 
XXXX ) XX/XX/22 After multiple phone inquiries to BofA, XXXX has not received the check for the remaining {$10000.00} listed in the final account closing. At the most recent phone call, XXXX was told that he may not receive the {$10000.00} check for as long as 10 years.

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 2020-09-13
Company: EQUIFAX, INC.
State: MN
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: Problem with personal statement of dispute

Complaint:
Problem with personal statement of dispute ( explaining why you disagree with a lender 's decision after an investigation ) Can anymore show me in writing as to when XXXX XXXX was entered I will need this information dated back from XX/XX/19 if you are not able to provide me any proof you will need to delete XXXX immediately XXXX CAN NOT supply me with anything XXXX I have called your office about this your failure to delete the account is now FCRA And sent multiple CFPB complaint XXXX and Equifax you have as well receive countless of disputes about this same issues none of you are able to send me XXXX therefore you all must delete XXXX XXXX you all have committed multiple violation of the FCRA send me the XXXX XXXX proof no XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: The Receivable Management Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX continues to call our law firm asking about one of our clients. We do not talk to strangers about whether a person is a client at our firm or not. She tells us we are being recorded even though we say we do not consent to being recorded and as Florida is a state that requires consent they are breaking the law by doing this. We have asked them not to call but they continue to do so. They are very rude. I called the number back and asked them to stop calling and was met with rudeness there also, when I told them I would file a complaint they laughed. Receivable Management Services 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 2021-09-06
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been in dispute with EOS for some time now concerning my old phone bill through XXXX XXXX. I have spoken with agents there and even handwritten a letter disputing the amount owed. I spoke with EOS then XXXX who referred me back to the on the incorrect final balance owed. They told me I would gear back within 30 days of my handwritten letter but it has been over a month and no response. I've reached out to XXXX and established a new account and they consider the matter resolved. The amount in question being owed is inaccurate as well as the time when the account was open as well. This company is damaging my credit with this erroneous account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
To whom it may concern : XXXX. The late payment status on this account is invalid and inaccurate you must have maximum accuracy in reporting. Please delete if you fail to verify I demand you show supportive documents that your reporting is accurate and show that Ive been late this is a violation of your 15 USC 1666 b which violates my rights. XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX  Last reported XX/XX/XXXX {$2000.00} Open balance {$1500.00} XXXX. Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Account info Account name XXXX XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$13.00}, XXXX written off. {$13.00}, XXXX past due as of XX/XX/XXXX. Status updated XXXX XXXX  Balance {$13000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$12000.00} Highest balance {$13000.00} Terms XXXX XXXX XXXX XXXXXXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Last Payment Date Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : - Comments : - Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX. VA XXXX Credit card XX/XX/XXXXXXXX  Closed Account charged off. {$1700.00} written off. {$2000.00} past due as of XX/XX/XXXXXXXX XXXX XXXX 138 % {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} {$2000.00} {$2000.00} Individual Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-23
Company: Experian Information Solutions Inc.
State: SC
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'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. 
IT WOULD HELP ME IMMENSELY IF YOU COULD GIVE ME A SECOND CHANCE AND MAKE A GOODWILL ADJUSTMENT TO REMOVE THE LATE PAYMENTS.

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 2023-02-01
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 belongs to someone else

Complaint:
I Reviewed my Credit Report Once again. It seems like there are addresses in my file that are erroneous and incorrect Please validate and delete these addresses immediately : XXXXXXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL 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 2023-06-21
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a checking account with Citibank Bank about 4/5 months ago : Card # XXXX XXXX XXXX XXXX. The account was suddenly closed for reasons, that I am still not sure exactly why. At first, they said it was for an invalid check that I deposited. But when I provided proof that the check in question was a certified check that was issued to me by XXXX XXXX, they recoiled and said it was an error on their part. Nevertheless, the account remained closed and the XXXX XXXX XXXX amount I had into the account is still into their possession 3 months past the closure of the account. About a month ago, they released a portion of that amount {$3200.00} and at this hour they still have {$2700.00}, which they have not yet released. I have called them countless time, only to be told that they have sent emails to their " Back office '' and that they are still waiting for a response. 

It has been 3 months since my account was closed for some bogus reasons and Citibank have not yet released the funds I had into this account. I have exhausted all talks with them and I am now seeking help from a higher concerned instance in order to have my funds released. My funds were sent to " Risk Deposit '' Account, and after talking to them numerous times, I conclude that, this department operates like a fraud scheme department, attempting to steel your hard earned money by claiming that your own money is not yours and that it belongs to them. They are very sleazy, and sneaky.

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 2021-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 address information I had been living in XXXX XXXX XXXX XXXX NJ for 15 years.Between XXXX to XXXX. 
Also a lot soft inquiries that NEVER happened : All XXXX XXXX All XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All XXXX Make no sense.. I am really careful about no make any extra damage applications

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 2020-09-13
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:
I have several inquiries which i never authorized. I never authorized any hard inquiry since XX/XX/2019. 
I never opened any XXXX XXXX plus account and it shows 2 collections on my credit report? I only had discover credit card and XXXX   XXXX  MasterCard and XXXX XXXX that's it. I am seeing a lot of collections and stuff financed which doesn't belong to me. I am victim of fraud. Someone have been using my identity and opening and financing credit cards without my consent

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 2022-11-23
Company: EQUIFAX, 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:
This is my 2nd 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 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 explanation
Consumer complaint received 2018-05-07
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: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I have always been in good standing with my XXXX/XXXX loans, and I currently have two loans with them. I had made a payment on XX/XX/18 for both loans, and XXXX/XXXX applied the payment to ONE loan instead of both. So, without ANY warning, phone call, letter, email, or anything notification at all, my other loan was " delinquent '' by only {$140.00}. I quickly submitted payment when this came to light. 

However, and the bigger problem here is, that the negative on my credit report ALSO showed up on my sister 's credit report. My sister is NOT a cosigner. My mother is my cosigner. My sister should not have any involvement with my student loan or financial obligation. The funds were distributed to MY account at XXXX XXXX, not hers. When on the XXXX/XXXX online portal, there is no mention of her name anywhere to be found to indicate her involvement with my student loan. As mentioned, my mother is my cosigner and aware of the responsibilities that come from being a cosigner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: EQUIFAX, INC.
State: GA
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. 

U S DEPT OF EDXXXX : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
I lost my Kohls credit card on XX/XX/21 and reported it lost to Kohl 's Customer Service via telephone same day. I requested that my account be closed immediately so that no would be able to use it if they found my card. I was informed by Customer Service that I would need to go to a local store and apply for a new credit card. It should be noted that my account was not closed until XX/XX/21, after I had to place a second call to request the account be closed. 

A few days later I applied for a new card at the Kohl 's store in XXXX, Ma after explaining the situation with my lost card. I recently received an adverse action letter dated XX/XX/21 for a Kohl 's Credit Card account issued by Capital One, NA. stating " Our decision was based on the payment history for a previous Kohl 's account in your name ''. And, to contact them if I had any question regarding this decision. The ECOA notice was the only disclosure on the adverse action letter. 

I immediately contacted Kohl 's Customer Service and advised that I have never been late on any of my payments. I asked the CS rep if she could provide me with contact information for Capital One and was told NO. I asked If I could speak to a manager and was told NO. I stated that my next call would be to the CEO if they were not able to help me. I was placed on hold and Manager ID XXXX spoke with me. She confirmed that she reviewed my account history and that there we no late payments or late fees on my account. She told me to try applying again in a week or so and maybe it would be approved. I advised that this solution is unacceptable to me. I stated that Kohl 's is reporting inaccurate information about me and I would like to dispute it. She told me that I can not dispute it. The call ended at the point. 

I am contacting your agency for assistance with this matter as I believe that I was not provided with appropriate FCRA disclosures and not giving the opportunity to dispute their incorrect reporting of my account. I firmly believe that they are not incompliance with FCRA requirements and that my rights have been violated. Also, I am sure that I am not the only individual who has experienced this negative treatment and that many others may have been impacted as well by their practices. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: ONLINE Information Services, 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 want the XXXX XXXX XXXX online collections XXXX account removed from my credit report. I have disputed this account that doesn't belong to me and they still continue to report without sending me and signed contract or proof that this debt is mine. I have never signed a contract with XXXX XXXX  or online collections. I am not responsible for this account and want it removed immediately from XXXX  and XXXX. XXXX  is the only bureau that properly investigated and did remove from my account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a call today ( XX/XX/XXXX ) from XXXX asking to verify a loan application that I did not make. Based on this call, I pulled my credit report and found two hard credit pulls that I did not authorize : 1. " TD BANK USA/TARGET CREDIT '' ( XXXX XXXX XXXX XXXX, MAIL STOP XXXX XXXX XXXX, MN XXXX ) on XX/XX/XXXX. I called TD 's Target credit card phone number ( XXXX ) to inquire why a hard pull was made on my report. I gave them the information they requested, including my SSN, and they could not find a record of an application under my SSN, nor could they tell me why they made the unauthorized hard credit report pull. ( see page XXXX of " XXXX '' ) 2. " XXXX XXXX, XXXX XXXX '' ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. I called three different numbers for XXXX and the XXXX XXXX credit card line, and all of them required me to enter my account number or SSN. Because I have no account number, I entered by SSN, and because I have no account with XXXX XXXX XXXX XXXX, their records found nothing. I tried entering XXXX to reach a human being, swearing, etc. and was unable to connect with a human being. I called XXXX directly, and they transferred me to the same automated line requiring an account number. ( see page XXXX of " XXXX XXXX '' )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: SC
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-02-03
Company: PORTFOLIO RECOVERY ASSOCIATES 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 information incorrect

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  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation