BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a business account with Bank of America and some one got a hold of my info a lil over a year ago and tried to cash a check for roughly 7000 dollars. It obviously wasn't mine and I recently been trying to take care of it they told me that I had ran it thru a ATM and I talk to the fraud and risk management dept. And after about 10 phone calls and the run around they finally told me to write to a division of bofa which did asking them to provide me with a " wet ink '' original copy of the check and they sent me a letter saying thr not XXXX take it of XXXX  which hurting my business cuz I can't get another business account cuz no bank is gona open with a fraud claim on thr which is making it incredibly difficult to conduct business. By federal law they have the burden of proof to show me the check that I used and whoever did could of never used an atm cuz i had my atm card at the time. Please help me to get them to remove it please and also sent the same letter to XXXX  which I reporting and all they sent me back was a copy of a bank statement I know that would not hold up in court. 
Thank you!

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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
my information was linked with all of my personal information from a data breach and credit accounts were opened and it is affecting my credit score.

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 2020-05-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Dear Sir or Madam : I am a victim of identity theft. The information which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Resulting from the identity theft that should be blocked, Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: BARCLAYS BANK DELAWARE
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 status incorrect

Complaint:
An account with Barclays opened on XX/XX/XXXX is showing up on my account. I am disputing the validity of this account due to the number of inaccuracies found. 
In XXXX, both XXXX and XXXX are showing the account in good status for all 12 months. However in XXXX, there was a 30 and 60 days past due for the month of XXXX and XXXX. Last report for this account was in XX/XX/XXXX and the account was reported 120 days past due at XXXX while XXXX was still being reported up til XX/XX/XXXX where the account was reported as charged off, and 120 days past due in XX/XX/XXXX for 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 2023-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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:
There are 18 hard inquires on my credit report who has been misleading with information. 
Capital one spark, advertisement misleading information. They mislead in inquiring their information. So i want that inquiry deleted off my report.. 
XXXX XXXX XXXX misleading information from social media please remove XXXXXXXX XXXX  misleading information from social media please remove XXXX XXXX XXXX  misleading information from social media please remove XXXX XXXX i would like removed XXXX XXXX please remove XXXX please remove XXXXXXXX please remove XXXX please remove XXXX XXXX please remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07
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: Information belongs to someone else

Complaint:
I am trying to fix things that happen beyond my control and there was another item that was not added to my identity report. All items submitted were of question to me and, it has not been updated and investigated properly. Items being verified because of my address and any other means does not mean I open the account. I have updated the ID theft report to add 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 2023-01-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the XXXX has failed to block this information and it has been over XXXX days. Again, this is NOT A DISPUTE. 
XXXX  XXXX Balance : {$330.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1500.00}

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 2022-02-24
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS ans INQUIRIES from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
To my knowledge, I was never late on my Chase credit card with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/XXXX which is not true. I have had this credit card since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount. I am on XXXX XXXX in the XXXX XXXX and this late payment is really hurting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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: Information belongs to someone else

Complaint:
I urgently request the company to remove the inaccurate and unknown account from my records, as they are causing financial harm. Their prompt elimination is crucial for accuracy and my progress.

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 2021-05-07
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am a graduate of XXXX XXXX XXXX XXXX XXXX ( my dream school since I was XXXX years old ) which I now regret. I have roughly {$130000.00} in private loans with Sallie Mae and {$40000.00} in federal loans. After graduation I was highered part time and qualified for forms of forbearance.My mother who cosigned my private loans filed for bankruptcy and is my only family, she can not help me pay what so ever. Now that I have a full time job ( and looking for a second ) and make {$430.00} a week I don't qualify for any forbearance, but still cant afford the lowest repayment options, {$590.00} a month from Sallie Mae and {$230.00} for Federal. I have a personal loan, phone payment, {$670.00} rent, and groceries I pay every month. This doesn't include electricity bills, heating bills, water bills, or any other monthly bills. I am currently in the process of moving everything over from XXXX  to XXXX XXXX, so my car insurance and car payments are not even included. I feel as though I am fighting a losing battle and do not know what else I can do

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Klarna AB
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
There is something deeply nefarious happening with this company. On XX/XX/XXXX I tried to log into the app to check my account. I wasnt able to so I contacted their customer service who sent me an email with the steps to log in and reactivate my account. I dont understand why it was deactivated to begin with. It didnt work. I then called, spoke to customer service, same thing. I called back, they had a supervisor contact me with steps to log on - still nothing. Then they tell me they need a a photo of a government issued ID - a passport or drivers license to verify my ID. This was bizarre because NO credit provider requests such a thing. This company has my bank information and is billing automatic charges on my account - yet Im not able to access anything. I have called, I have emailed, I keep getting the same email with directions that dont work. Ive been getting the run around since XX/XX/29. I have a huge paper trail of everything. I want this resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX  XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX  XXXX  Inquired on XX/XX/XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY

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 2022-10-27
Company: EQUIFAX, INC.
State: NV
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 submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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: 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. 

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, 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 2020-07-25
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my annual credit report I noticed that LVNV Funding LLC appears on my consumer credit report with inaccurate and Unverifiable information. I've sent the company several validation request but yet the company has refused to completely validate this debt as required by federal law. A violation of FCRA rules section 1681 and Violations of FDCPA section 809b.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XX/XX/XXXX, I opened an account with Care Credit. I used my card as instructed, and each promotion was independent and each had it's own expiration period. With Care Credit we calculated what my automatic monthly payment needed to be- $ XXXX to pay off each promotion within time frame. I called each month to clarify and confirm, make sure all was good, because the statements are very misleading, not listing each independent promotion, where and how my money is being allocated, so it's a successful payment. Each time I spoke with a customer service rep, they assured me that my payment was going to the oldest promotion that was expiring the nearest. Each month this was clarified. When I called this month XX/XX/XXXX before billing due date, this rep, said I had old promotions never paid, and have been accruing interest for almost a year. I expressed this isn't possible I pay {$400.00} every month and sometimes {$800.00} to pay off the promotions within time frame as needed, and each month a rep confirmed it was being allocated to the nearest ending promotion. They were blank, never had an answer, never said sorry, nothing. They just said this is what it says. I was furious, told them I felt robbed, cheated, mislead, and this is intentional stealing. Clearly I have the money and can pay this off. I used the card to cushion instead of paying one big lump amount at one time. But they withheld, misguided, and lied, abusing my money being given and paid to them. I said I want nothing more with their business and just decided to pay $ XXXX then and there to get me out of their organization. I can not believe this exists, and they clearly intentionally did this. They said they didn't have documentation on their end that I had called. Which is a blatant lie. I said by me personally calling each month I've trusted you as a business in good faith to receive and allocate my money appropriately for success. They didn't respond verbally, just that I had to pay all the interest now to stop this. So I did to be rid of them. 

On my online account it states my promotions with expiration dates. So when I would call to pay and told them to confirm the nearest promotion, they did, and the money was said to go to that. They never once said it wouldn't, they never said because it wasn't I was accumulating expired promotions, they never told me when I asked about these deferred interest rates- they said as long as I keep paying in full I won't be charged and this just states what would be charged if I don't pay in full at end of promotion period.

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 2020-07-25
Company: AFNI 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:
I have never been under contract with either of the companies and they keep reporting inaccurate information on my account while I am in the process of homeownership, further putting me and my family behind during a worldwide pandemic, causing stress that is unneeded. Ive reached out to all companies with zero response and everytime its disputed off of my credit history it reappears. 


XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX, Florida Afni - XXXX XXXX XXXXXXXX XXXX XXXX, Illinois XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
According to Experian XXXX  XXXX XXXX continues to furnish a series of late payments on credit profile. According to accounts XXXX which is displayed eleven times as nine late payments. The accounts are the same and with the reporting being calculated by FICO the inaccuracies of reporting are compromising my creditworthiness.

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