BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
BANK OF AMERICA - This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove.

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 2017-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I filed a complaint with the office of the comptroller of the currency in XXXX XXXX then I received a letter from OCC stating my complaint does not fall under the direct jurisdiction and that my complaint has been forwarded to CFPB. " Brief Description '' My name is XXXX XXXX XXXX and my social security number has been placed unlawfully in check systems since approximately XXXX Bank of America claim suspected account XXXX. I do not believe that I XXXX the account. The account was paid in full quickly I have made attempts trying to get my name out of check systems and to settle the matter respectfully with the bank ; that included writing a dispute letter, talking with bank representatives in person at the banking branch, and calling on the phone, they have refused to take my name out of check systems. I 've tried to open a checking account and or savings account several times and have been shamefully denied.. Please investigate this matter on my behalf, the depths of the long term harm as my social security number has been in check systems for many years. If your office needs detailed information regarding the incident please do not hesitate to me on my cell phone at XXXX -- Thank you, 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 2017-10-04
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: Old information reappears or never goes away

Complaint:
1 ) I have sent letters to the credit reporting agencies : XXXX, Transunion, and XXXX, in XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX in regards to multiple accounts that are out of the statue of Limitations in the amounts of {$7900.00}, {$5200.00} and {$780.00}. 2 ) The companies have sent automatic been verified letter, but none of the companies have responded to my request with documentation or evidence. I have also called them multiple times with the requests to have the accounts removed. The requests were denied. 
My next step is to start a litigation again the three major credit reporting agencies.

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 2017-10-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On or about XXXX after hearing of Equifax 's breach I visited their site and entered information ( name, last six of my social, etc. ). After receiving a prompt that my my credit information may have been affected I started the process of enrolling in the one year " free '' monitoring service. After receiving a email a week or two later I thought I created a account yet received error messages. I contacted both equifax and trustedID for assistance. On XXXX I received a email stating I have a account but needed to re-set my password. I did and received a error message that set up failed. All information, employment, credit, etc was blank. No link regarding credit monitoring was found. I called Customer Care Team at : XXXX who advised me to call XXXXtrustedid who advised me to call XXXX. I feel equifax is making the process of monitoring ( due to breach XXXX impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
No Contract_ I have requested proof of validation on several occasions. I asked for the original " alleged '' contract with my true signature and that of a qualified employee with the " alleged original creditor ''. After requesting that information several times they failed to provide me with that proof that I am allowed to have by the guidelines. Since they failed to send me the requested proof I want this account closed and removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My XXXX XXXX and XXXX XXXX cards were switched to Capital One last year ( XXXX ) I also had a Saks card and Capital One XXXX. 

Since XXXX I've received letters from Capital One re : the Saks and MC asking for " information '' they needed to update. So I called the number on the MC. They said the letter wasn't from Capital One and it was probably a scam. They said my accounts were fine.

A few months ago I logged onto the website and saw that the Saks card and MC were " currently restricted. '' Called Capital One again. They said they needed to " collect information '' for the account per federal law. Told them about the previous call when CSR told me the letter was a scam, They said she was wrong.

I updated the information and they removed the hold on the accounts. I thought my updated info would apply to all Capital One accounts since now it was in their system. 
Mais non. 

More letters! I thought I had already resolved the issue so I disregarded them. 
Forward to this morning : I logged onto the website and saw that the XXXX XXXX and XXXX XXXX cards are " currently restricted. '' Called Capital One ( again ) to ask about the restriction. Spoke with a XXXX I didn't understand. Transferred to another person I didn't understand. " Ma'am we are looking into it. '' Transferred 2 more times. Call time : 30 minutes and counting.

CSR told me I didn't respond to the letters. " We need to collect information about your account. '' Told her I called before and gave the information. " I can give you the information right now. Will that lift the restriction? '' Short answer : No.

They closed these 2 cards because I didn't answer the letter. 
" We also called you several times. '' Maybe so, but they never left a message. I get random junk calls all day long. How am I supposed to know Capital One is calling me if they don't leave a message? 

Now my accounts are closed. And they can't be reopened, because I'm past the 30-day response period. " Can I reapply? '' Chilly tone from CSR. " Well, you're welcome to do that if you want... I certainly can't stop you. '' That's customer retention right there. This wouldn't fly at my job.

Me to customer : I guess you can come back to our store if you really want to... I certainly can't stop you.

Manager to me : Sweetie, we've had some calls from corporate about you...

Also closing these cards has tanked my credit score. It's down by almost XXXX points. 
Thanks, Capital One!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Since XXXX without much help at all and multiple letters sent to XXXX, Equifax and XXXX  requesting that false and inaccurate information be removed from my credit bureau reports. I have not received any success. Ive even told them that addresses and names on the credit file are incorrect and they refused to respond and correct it. On XX/XX/XXXX after many letters sent requesting that XXXX XXXX and XXXX XXXX XXXX XXXX be removed from my credit report as this alleged debt is false and inaccurate, it was removed. Only to be put right back on the credit bureau today XX/XX/XXXX. This has been a constant back and forth game with willful violation of the FCRA by these three credit bureau reporting agencies the item is removed, then put back on with out any notice at all to me by XXXX, Equifax and XXXX. It was removed again back on XX/XX/XXXX, this is a violation of the law. Then put back on. It was removed again on XX/XX/XXXX and put back on again. It was removed again on XX/XX/XXXX and put back on again. These are the games violations of the FCRA that XXXX, Equifax and XXXX  as they are in engaged in defamation of character and fraud. By the way I have provided all three credit bureau reporting agencies with copies of letters sent certified mail and registered mail to these credit bureaus requesting proof of these alleged debts and not on of them have provided proof, since they cant provided proof of accuracy to me I asked all three credit reporting agencies to provided me with the proof that these collection agencies provided to the, and not one credit bureau reporting agency has provided that XXXX me since XXXX. They should be shut down permanently for their willful violations of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: NH
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 XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank sent a letter about increased monthly payment due to escrow adjustment. Letter wasn't delivered. So the difference from old payment to new payment was {$58.00} more and that amount was 9 days late. For this lateness they charged {$45.00} or 77 % of the late amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My wife and I have been negatively impacted significantly by XXXX erroneous reports. They have reported that I was late on my payments, or missed payments with them. This is absolutely false. I have never been late, nor have I ever missed a payment.

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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX XXXX XXXX Account Number : 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 2022-04-06
Company: Experian Information Solutions Inc.
State: NH
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 XXXX XXXX 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

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 2021-02-16
Company: EQUIFAX, INC.
State: MI
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:
FIFTH THIRD BANK-Date Opened XX/XX/XXXX Amount {$540.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX Amount {$23.00}, XXXX -This account is over 7 years old and I would like it removed because it defies the statute of limitations. 

XXXX XXXX XX/XX/XXXX Amount $ XXXXThis account is over 7 years old and I would like it removed because it defies the statute of limitations XXXX XXXX XX/XX/XXXX Amount $ XXXXThis account is over 7 years old and I would like it removed because it defies the statute of limitations XXXX XXXX XXXX XX/XX/XXXX Amount {$75.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have an FHA mortgage through PNC bank and have been working with the PNC and our attorney to process a Deed-in-Lieu of foreclosure since XXXX XXXX. 

Four months ago, the final signed documents were submitted to PNC for the final approval for DIL recording. At this time, PNC through communication with our attorney stated everything was complete on their end, and no further documentation was required. PNC stated they were waiting for their law firm to submit the XXXX title to XXXX XXXX for recording. 

Since then, our attorney has called PNC 2x/week to which they have said, they have not received any update from their law firm. Our attorney for the last three months, has reached out to the law firm representing PNC 2x/week and all attempts have gone unanswered. 

To date, there is not county recording of the property being turned over to the bank, even though they said everything was submitted. 

PNC is telling us everything is complete, and deferring the non-processing issue to the law firm, but have not provided any direct feedback on the status of the XXXX submission. 

I believe this is an intentional delay by PNC and they have are providing us bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 non-monetary relief
Consumer complaint received 2020-12-22
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
My account information was sent to credit bureau in default of lowering my balance. I had no idea, my credit score was being affected by adjusting my balance.

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 2021-12-01
Company: DISCOVER BANK
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Per my rights under the FCRA, please provide the contact information for the third-party vendor that supplied you with this errant information, since my court does not have a subscription to your credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-02
Company: EQUIFAX, 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:
cra and hippa violation inaccurate information sent the po report to them with the case number with XXXX XXXX  equifax and XXXX taking more than 30 days to resolve my issue

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
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: Old information reappears or never goes away

Complaint:
1 ) I have sent letters to the credit reporting agencies : Equifax, XXXX, and XXXX, in XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX in regards to multiple accounts that are out of the statue of Limitations in the amounts of {$7900.00}, {$5200.00} and {$780.00}. 2 ) The companies have sent automatic been verified letter, but none of the companies have responded to my request with documentation or evidence. I have also called them multiple times with the requests to have the accounts removed. The requests were denied. 
My next step is to start a litigation again the three major credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent XXXX and XXXX a personal information update on XX/XX/2019, and they have yet to update and correct my personal information. All of my information is the same and have never been updated as requested.

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 2021-04-13
Company: Arcadia Holdings, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
arcadia recovery is reporting 4 accounts on my report that i have asked for validation of debt from them multiple times with no luck ... they keep coming back saying it is verified but they are not conducting a proper investigation ... .see my attachments and look at the date of last active on all of them ... notice 2 different dates..these accounts have all been re aged and i demand that they delete these now for not conducting a full investigation as these are not reporting 100 % accurately as required by law

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Experian Information Solutions 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 information incorrect

Complaint:
There are inaccurate debts on my credit report which is hindering my choice of getting housing for my XXXX  and I. I have disputed these inaccuracies for three years, and the credit collections have yet to send me the original contract bearing my signature and what method is being used to verify these false debts. These credit collection companies are not adhering to The Fair Credit Reporting Act. It's been three years that I've been requesting the validity of these debts belonging to me, and they can't verify anything. 

I DO NOT WISH FOR ANY INFORMATION TO BE VERIFIED VIA E-OSCAR!!! Please speak to real people so that I can get real results!!! 

These inaccurate reportings are hindering me being a mother and providing housing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Resurgent Capital Services L.P.
State: NY
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 victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation