BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-22
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:
three student loans ( dept of edu XXXX ) and one ( XXXX XXXX XXXX ) are reporting under my equifax credit reporting agency, these are inaccurate and fraud accounts, please find attached my police report that i have inquired for being a victim of ID theft, these are not my accounts, please have equifax remove these inaccuracies since i have been disputing with them for the longest time, then these were removed and placed back after three or four months, they aren't even sure what they are doing, i have called so many times they know me already, but no one can solve my problem please you are my last hope since you are the voice of consumer thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: WELLS FARGO & COMPANY
State: AR
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: Problem getting your free annual credit report

Complaint:
WE WERE GIVING NO CHOICE BY WELLS ON WHAT CREDIT REPORTING AGENCY TO PULL, THEY FORCED US ON XXXX WHICH IS THE WORST OF ALL, THEY ARE IN COLLUSSION TOGETHER AND BREAKING DODD FRAN ACT. REMOVE ALL HARD PULLS FROM XXXX OR FACE CLASS ACTION LITIGATION.

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 2021-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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 sold my XXXX to an existing employee .. we filled out the take over of the BOA visa cards .. They accepted his paperwork and mine also. BOA DID NOT TAKE ME OFF AS RESPONSIBLE PARTY they did take new borrow info. a XXXX XXXX hung up on me after 54 minutes on the phone. she explained there was an issue with New borrow not filling out paperwork correctly. I explained that was not my problem as they already accepted him as a borrower. they have not removed me as a responsible party ... .I have called in on numerous occasions with no response, i have sent paperwork on several occasions, i visited the branch today with the same lack of effort and response ... XXXX XXXX is a XXXX horrible customer service person.

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 2019-04-22
Company: Navient Solutions, LLC.
State: PR
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:
Navient is reporting 2 closed accounts of XXXX to XXXX with late payments on XX/XX/XXXX however these accounts were on deferment at the time.. This accounts were paid in full long time ago. I tried to fix this problem several times with Navient and XXXX and the outcome always is that they don't fix It. I am a XXXX % XXXX veteran and this issue is affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
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 complaint is regarding Violation of verification and reporting of. Negative items ( revolving account ) on my credit report ( s ), where I personally contacted XXXX and verified with the company that they do not verify or provide information to 3 party credit reporting agencies. How is it possible, EQUIFAX is reporting a negative XXXX account Your assistance is greatly appreciated. Out of the 3 CRA only EQUIFAX is reporting this account that is not my account/ never had an account with XXXX XXXX, incorrect " XXXX '' data and violates FCRA provision 605,607,611 and 623a

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
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:
ten student loans from ( US DEPT OF EDU ) are reporting under my equifax credit reprt, i have been disputing for the longest tim e, i keep telling them these are not mine, and they are not helpful, the student loan belong to someone else, but not mine, i will be attaching my police report and the FTC report that i had provided equifax as well, please have them remove these inaccurate and fraud accounts from my credit file thank you for your help XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Carter-Young, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I'm not sure we I received a collection on my account. This isnt my debt. I would like this removed immediately. I never cosigned after the first year in XX/XX/2016. They have no records. This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
XXXX is reporting 2 closed accounts of XXXX to Transunion with late payments on XX/XX/XXXX however these accounts were on deferment at the time.. This accounts were paid in full long time ago. I tried to fix this problem several times with XXXX and Transunion and the outcome always is that they don't fix It. I am a XXXX XXXX  XXXX veteran and this issue is affecting 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 2019-04-23
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has an amount of {$2300.00} on my credit report with the original creditor being XXXX. 

I initially made XXXX aware I had no knowledge of this account and let them know that I was on SSI XXXX and unable to even attempt to pay just to get it off my credit report. 

Then around after XX/XX/2019 I began receiving letters from XXXX XXXX ( at an older address of XXXX XXXX XXXX XXXX NY XXXX ) stating that I owe the amount of {$2300.00}. I responded one time via mail declaring all that I just said here. 

Clearly that letter fell on deaf ears as I received 2 letters since ( to hew address of XXXX XXXX XXXX XXXX XXXX NY XXXX ) as well as MANY phone calls ranging from XXXX to XXXX with blank or static noise filled voicemails. I feel harassed and intimidated by this company. 

Unfortunately, due to the financial difficulties I have being on SSI XXXX I can not do much so I am coming to you for help. All I would kindly like done is for this company to remove this so called debt, information and remarks and from my credit report and I will remove complaints I've filed with other agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01
Company: Experian Information Solutions Inc.
State: FL
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: Problem getting your free annual credit report

Complaint:
I HAVE BEEN CHARGED THREE TIMES FOR A FREE CREDIT REPORT. 

ON XX/XX/XXXX CHARGED {$12.00} FOR FREE CREDIT REPORT AND I HAVE NOT RECEIVED IT WEB SITE ASKED FOR VERIFICATION PURPOSES I SUBMIT MY CREDIT CARD ON XX/XX/XXXX CHARGED {$1.00} FOR FREE CREDIT REPORT AND I HAVE NOT RECEIVED THE REPORT WEB SITE ASKED FOR VERIFICATION PURPOSES I SUBMIT MY CREDIT CARD ON XX/XX/XXXX CHARGED {$21.00} FOR FREE CREDIT REPORT AND I HAVE NOT RECEIVED IT WEB SITE ASKED FOR VERIFICATION PURPOSES I SUBMIT MY CREDIT CARD UNABLE TO REACH ANYONE ON THE TELEPHONE I AM A XXXX XXXX   VETERAN

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 2019-09-28
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I discovered my checking account had been hacked after checking my balance on my mobile app. it happened at XXXX pm. central time zone. ( XXXX XXXX XXXX ). The description of the transaction was, person to person transfer. XXXX XXXX XXXX XXXX XXXX. I don't even know this person and I have never used XXXX period. They withdrew {$350.00}. I talked to my bank but supposedly they really can't do much ... and XXXX the same. Neither one wants to take responsibility for these fraudulent activity. I was told the funds went to a XXXX XXXX XXXX but have no trace of the phone number or who received it. Please help I am a father of 4 and a husband. They took my hard earned money. put me in a bind. XXXX has many of hack complaints they need to be financially responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TD BANK US HOLDING COMPANY
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Over the last several months I've contacted TD bank multiple times and requested that they close my small business accounts for XXXX XXXX XXXX. They have thus far refused to close the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I filed a complaint against TRANSUNION because they currently have INACCURATE, FALSE, UNDULY, UNLAWFUL and UNFAIR information on my credit report from XXXX XXXX XXXX. 

XXXX SUBMITTED ON XX/XX/2021 TRANSUNION responded XXXXhat it will use the same false unlawful information from the same furnisher instead of looking at ALL THE ATTACHMENTS I SUBMITTED WITH MY DISPUTE, thoroughly examining my bank statements and looking at my credit report, SEEING THAT XXXX FURNISHES UNDULY UNLAWFUL INFORMATION ON MY ACCOUNT, and then properly deleting XXXX from my credit file in accordance with CFRA. 

TRANSUNION has NEVER done what they are OBLIGATED to do and REMOVE XXXX FROM MY CREDIT FILE due to XXXX reporting inaccurate, false, unduly, unlawful, and unfair DAMAGING information on my credit file, which a THOROUGH EXAMINATION OF MY SUBMITTED EVIDENCE WOULD REVEAL but TRANSUNION never examined my evidence and instead relies on the same false information from the same furnisher. 

Whats the point of disputing directly with them then? Ive disputed via certified mail and fax and phone and online!! Yet, TRANSUNION relies on the same furnisher for the same false unlawful information about my account! 

Instead of looking at ALL the proof I sent and deleting XXXX unlawful reporting, TRANSUNION tells me it will obtain the same false information from the same furnisher.

This behavior is ILLEGAL.

TRANSUNION has REPEATEDLY dismissed my disputes about XXXX XXXX XXXX  stating REPEATEDLY exactly what they just stated in their response HERE. They take WRONG UNLAWFUL INFORMATION from the same furnisher and they keep it on my account VIOLATING MY FCRA RIGHTS. 

The inaccurate, false, unduly, unlawful XXXX account must IMMEDIATELY be removed from my credit file by TRANSUNION now in accordance with FCRA!

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 2017-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America placed my checking account in their account closure department and is holding my direct deposit from my employer. Each day that I call them there is a different timeline on when I will receive my funds. The risk department account team is rude, talk very fast and constantly change their responses depending on what questions may be asked. The responses and timelines are inconsistent depending on their mood and the day you call. They sound extremely stressed out. Yesterday, I was told to call back after my account and direct deposit were processed. Today I was told 2-3 business days I may be able to go into a branch and receive my funds. The key word is may. Bank of America will not set a definite date. Otherwise I can wait until after the account receives a closure date. and wait an additional 15 days to receive a cashiers check in the mail. On Friday - 4 business days ago I was told by customer service - good luck to you. Once the account is placed into the account closure department apparently it is up for review to receive an acutual account closure date. I would not recommend doing business with Bank of America. They are holding my direct deposit from my employers funds until further notice. When I asked if today, the day my request for my funds was made official on their end is 2-3 business days the representative quickly said, today does not count for a business day since the request was just made. She then Quickly threatened me and said do you want me to submit this request or would you prefer to wait and receive a cashiers check in 15 days after the account closure? I have never been treated so poorly by a company. I am hoping the CFPB can help me resolve this issue. Bank of Americas process of closing accounts is unfair and accounts that have large sums of money ( over XXXX ) should be handled differently.

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 2020-08-03
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:
Experian refuses to actually investigate an erroneous item on my credit report. The other 2 agencies did, and it was removed. Only Experian refuses. They send me a form letter that 'it has been verified. ' It CAN NOT Have been verified, as it is not accurate! Account is XXXX XXXX XXXX. XX/XX/12. Pd/closed ; {$800.00} written off. I have sent MULTIPLE certified letters, have called, they have stopped ALL fax communications ; I have asked for the proof they say they have, they furnish NOTHING. At this point, this is XXXX AND FRAUDULENT. I request they be FINED XXXX per FCRA regulations. Enough is enough.

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 2021-05-07
Company: Key 2 Recovery, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I attended The University ( XXXX XXXX University ) under Chapter XXXX. An assistance program for XXXX veterans until stricken with advanced congestive XXXX XXXX and hospitalized. Since the VA paid the university for my schooling i had to set up payments to repay some of the dispersed funds to the VA and did so over the course of 2 years. The university claimed that i owed them monies as well but my school was being paid for by the VA. Obviously an attempt to swindle further monies from a XXXX veteran. I have since been harassed by debt collection agency ( Key 2 recovery ) who has made negative reports to my credit and threatened further legal action against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Nelnet, Inc.
State: IN
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:
OnXX/XX/2018 I called Nelnet to ask them about what college did I attend to pay {$2000.00}. I needed the exact college.

They told me, it was a account that was canceled by the government.

But it is on my credit score, and it is hurting my credit score.

Claiming that I owe them. 
I made a dispute on a dispute site, and they sent the information to a credit bureau. 
Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: EQUIFAX, INC.
State: PA
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:
Equifax has lost 3 police reports but nothing else. I now misplaced the reports they admit loading. The police reports weren't even needed but they lie and don't change nothing until you have one. So they deleted some hard inquiereys but there were 2 if each. So they deleted the first date off report but now they can't find it. It is 3rd time I sent two reports the police hated doing because this is fraud happening but not police fraud. I also used the FAIR CREDIT REPORTING ACT. They have my laws and what I asked for? They didn't do any of it and there 45 days are up. They lie and say the fair reporting agency doesn't apply to them. Probably because they are located in XXXX. Anyways they had their time and I sent them these small items but they refuse even with reports they used but now list. They do have my fcra sections XXXX and XXXX. But they say they laws don't apply. I want the 5 hard inquiries that my ex put on my report off, the 2 late payments on XXXX XXXX  and XXXX credit cards that were mistakes off and the 7 year old fraud case of XXXX dollars somebody got card and took all of it out in cash. The credit can't company didn't inform me or the credit butesus. I we antbthst off like the 2 other agencies took off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
My compliant is against all 3 Credit bureaus, XXXX, Transunion and XXXX. They are all reporting 4 accounts that had fraud charges. The accounts are the following : XXXX XXXX, account : XXXX, date open : XX/XX/XXXX, balance : {$0.00}, XXXX XXXX XXXX, account : XXXX, date open : XX/XX/XXXX, balance : {$0.00} XXXX XXXX, account : XXXX, date open : XX/XX/XXXX, balance {$0.00}. XXXX XXXX/XXXX Account : XXXX date open : XX/XX/XXXX, balance {$0.00}. All of these accounts were victim of fraud charges therefore they incur to late payments. Send the required notice to all businesses that supplied this information. The FACRA requires you to block the fraudulent information from my credit report resulting from FRADULENT CHARGES within 4 business days and to promptly notify the business that sent you that information. I already tried contacting the companies individually but had no positive answer. I have enclosed a copy of my Identity Theft Report, please send me a letter after you have Removed this information from my credit report and sent notice to the businesses involved.

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 2018-03-23
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Membership ends in XXXX XXXX, however, rewards cash is not available until XXXX of 2019. If I do not renew my XXXX membership I must forfeit my rewards cash earned. Due to the timing, this creates an Unfair practice ( and potential deceptive, due to the placement of the disclosure ). Material harm is that I am not able to access reward dollars I have earned.

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 2020-05-05
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Re : American Express Bluebird prepaid debit cards Beginning around XX/XX/2020 people started finding themselves locked out of their accounts online and via the Bluebird app. Calling the one customer service number ( XXXX ) only gets you a recording and hours on hold with no one picking up. Ever. There is no email address. American Express will only refer you to this number or Serve at XXXX, another number which no one answers. 

JUST TO EMPHASIZE HERE, CONSUMERS HAVE BEEN UNABLE TO ACCESS THEIR OWN MONEY FOR 3 WEEKS WITH NO EXPLANATION WHATSOEVER FROM AMEX, XXXX, SERVE, OR ANYONE ELSE. THIS IS AMERICA. THIS IS UNACCEPTABLE AND CRIMINAL. 

These are prepaid debit cards onto which consumers can have funds directly deposited. For example, I had my employer deposit a small portion of each paycheck to my card, which I used for gas. But some people may have their whole paycheck deposited to it, or their unemployment, stimulus money, or tax refund. NONE of which is now accessible. American Express claims they have nothing to do with the debit cards that are emblazoned with THEIR name and logo. XXXX is the company Amex sold this division to : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief