BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-12
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/XXXX and XX/XX/XXXX I sent XXXX XXXX a letter requesting for full disclosure and validation of the debt. I have since have received no response from XXXX XXXX or the Credit Bureaus in regards to this serious matter. I'm currently looking to refinance my home. This negative item that XXXX XXXX is reporting has exceed the legal time limit frame to prove that are the legal holder in due course of the account. They have continually disregarded my letters dropping my credit down XXXX points for the last several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
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: Information belongs to someone else

Complaint:
I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report. XXXX XXXX/XXXX XXXX {$150.00} XXXX/XXXX   XXXX {$350.00}

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 2021-09-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I AM VICTIM OF IDENTITY THEFT, THERE ARE UNAUTHORIZED INQUIRES ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: DISCOVER BANK
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: Information is missing that should be on the report

Complaint:
Credit card account ( XXXX ) account information detailed in Credit Karma is not being updated accurately. The account was updated on XX/XX/2023 as current. However, the Payment History does not display with a green check mark for the month of XXXX even though the account has supposedly been updated. By not getting the Payment History updated, I am not getting the increase in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: JPMORGAN CHASE & CO.
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-08-03
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:
XX/XX/2020 I wire two funds to XXXX XXXXusd and XXXXusd Bank of America locked my online bankingI called many timesAnd verified all my informationthey asked me to go to the branchThis is  very ridiculousI am currently in XXXXUSA closed the border and COVID-19 very seriousHow do I get to the XXXX XXXX This department asked me to explain why I want money to go to XXXX explained and proved everything to themThey still locked my online banking I do not understandI save money in USABecause of XXXX XXXX is freedomThis makes me very disappointed

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 2021-02-10
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:
I recently received a copy of my credit report and I notice there are unauthorized credit inquiries made by XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Department & Variety Stores XXXX On The B Inquiry from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX XXXX Utilities & Fuel XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX  XXXX Inquiry from XX/XX/XXXX + Personal Services ( Non-Medical ) XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel I do not recall authorizing this credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation the inquiries ito determine who requested this credit inquiry. 
If you find I was not the one who authorized this inquiry, I ask that it be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.

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 2019-02-11
Company: PENTAGON FEDERAL CREDIT UNION
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:
Credit inquiry on report that I do not recognize.

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 2021-09-09
Company: EQUIFAX, INC.
State: OH
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:
Hello, XXXX XXXX  : Equifax # XXXX ; XXXX  # XXXX ; XXXX  # XXXX I have requested the above account be removed off my credit report. As I'm an Authorized User and the Primary Account Holder has abused the account and placing negative information on my credit report. Please remove ASAP as I'm in the process buying a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Creditor is clearly breaking the law by noncompliance or responses after stating the account was disputed XX/XX/XXXX. Creditor has failed to provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. I informed the creditor that if no proof is provided within 14 days from the receipt of this notice the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. This creditor has failed to provide the proper legal documents and is well beyond the allowed XXXX notice to show such documents, given by the FDCPA. I demand the creditor remove the invalid claim from my credit report immediately or I would like to consider to begin litigation immediately. XXXX PA XXXX and state R ISA and MVISA STATUES THE DEFICIENCY CAN NOT BE CLAIMED UNLESS ALL OF THR REQUIRED notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. creditor has failed and his now 90 days with no response delete immediately .THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Navient Solutions, LLC.
State: GA
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:
Ask to see why my student loan Bill was so High. I dont agree that I owe them what they say I owe them. They have messed my credit score up on my credit. They charged me when I was not to be charged over charge students to attend college hyped amount up on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2020 I was looking at my transaction history on my Bank of America pre paid acct that I get my unemployment benefits from and I noticed MANY Atm cash withdrawals starting on XX/XX/2020. Started with {$100.00}, {$200.00} then many more at different atm locations on XXXX XXXX even tried on the XXXX of XXXX. Luckily I had canceled my card by that time but they were still able to withdraw approximately {$2600.00} I have no idea how this could have happened. I never misplaced my card or ever let anyone use it. When I contacted the bank they canceled the card but they said I would need to talk to someone in the claims dept for the fraudulent charges so when they transferred me there I could not get through. I was holding for hours and then I would get disconnected. I tried for 2 days finally I got through during those 2 days I had filed a police report so when I spoke to the claims dept they told me I did all the right things my claim should be taken care of quickly. Etc. no more then 10 business days should I see my provisional credit on my account. Its been 10 days and I havent seen any credit or any update EVERYTIME I CALL THEM they always give me the run around and nobody knows the status or whats going on. This company is a joke. I dont know what to do anymore.

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 2021-09-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO VALIDATE THE STATED ACCOUNTS AND INQUIRIES, THE PURPOSE IS TO ENSURE THE ALLEDGED ACCOUNTS ARE PERMANENTLY REMOVED FROM MY CONSUMER REPORTS. THESE ACCOUNTS WERE OPEN WITHOUT MY PERMISSION AND PURSUANT TO FCRA 605B ( 15 USC 1681C-2 ), THESE ACCOUNTS ARE IN VIOLATION OF IDENTITY THEFT AND FRAUD AND MUST BE BLOCKED IN DELETED WITHIN 4 BUSINESS DAYS OF RECEIPT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Capital Accounts, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Capital Accounts is in clear breach of the Fair Debt Collection Practices Act ( FDCPA ). 
I received the first letter of notification about an alleged delinquent account on XX/XX/2020. I filed a timely dispute requesting a debt verification letter within the 30-day frame decreed in FDCPA. The dispute letter was received by Capital Accounts on XX/XX/2020. No investigation has been conducted and no correspondence has been received ever since before the alleged delinquency was reported to the credit bureau of XXXX on XX/XX/2020. 
Capital Accounts did not investigate the dispute or provide me with verification of the debt required by FDCPA. Their illegal and aggressive practices need to be stopped and rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX company is fraudulently attempting to collect a debt on behalf of Bank of America for a former debt that was charged off by Bank of America. 
This company uses illegal collection practices in addition to Bank of America. Both use illegal collection activities. Both Bank of America and XXXX use harassment techniques by phone to record false information instead of discuss the discharged closed account.

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 2020-05-07
Company: EQUIFAX, 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:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies : XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
When I first got moved from XXXX XXXX to Navient, they lead me to believe that a sub-prime loan was the only option that I had. Since I graduated from college in 2012, my loans have almost increased over 30 percent. I recently received an interest addition of more than $ 10K for the last year. I feel that I was railroaded and made to believe that this was the only option I had to better myself. I now have almost $ 80K in loans from navient. The way the loan was structured and the amount of the interest the loan adds, never gave me a chance to be able to pay off this loan. This loan was given to me with the sheer intent to make me pay more interest on an already unmanageable loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I contacted Citizens Bank today to find out why a check I mobile deposited last week is still pending on my account. I was told the check was being investigated by the fraud department. 

My issues are : - I was not contacted by the bank to let me know this was taking place. 
- I have deposited at least four checks from this company that the check is from. 
- The check is for {$3400.00}, not {$34000.00}. Why is it being investigated in the first place? 
- Why is the bank post date for the check XX/XX/15, almost two weeks after I deposited it without any explaination?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX is a fraudulent account and it has yet to be removed from Equifax credit report even after providing police report that was filed in XXXX of 2016 right after that account was opened

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I submitted a dispute regarding an unknown XXXX XXXX account listed on my credit report with a balance of about {$4000.00}. I sent follow up letter 's to the credit bureaus on XX/XX/XXXX after information came back verified. No response to how it was verified. I received notice from XXXX XXXX on XX/XX/XXXX that they were unable to locate any account information based on the information I provided, which was the account information they are reporting. I sent the letter received from XXXX XXXX to all three bureaus on XX/XX/XXXX and XX/XX/XXXX. I've file disputes electronically with support docs and called. Still, they continue to report this inaccurate information. This has caused me great financial hardship in higher interest rates for vehicles and I'm unable to get bonded at a decent rate due to this error. I'm not sure what else to do. This account is not mine I contacted the company and even my ex-spouse to see if he got this card in my name. He said he didn't and XXXX XXXX can't find it. Please help

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 2021-04-06
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This organization garnished my wages. Once I received a notice that my wages were garnished without any prior notice of either the lawsuit or the judgement, I made several good faith attempts to reach out and negotiate and/or resolve the debt and they refused to answer my calls or respond to any of my attempts to negotiate. this was done in bad faith as the collector informed me on the single occasion that I was able to speak with a representative after finding out that my wages were garnished, that since my wages are already garnished they will probably not return my calls to negotiate. They also failed to inform me of the exact amount of my debt and after my employer sufficiently paid the debt by garnishing my wages, they requested further payments of an amount that is unknown to me as they refuse to answer my calls

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I placed a security freeze on my account in the fall of 2018 after someone fraudulently opened a credit card in my name. That dispute, with XXXX and XXXX XXXX, was resolved properly and reported correctly. Now I need to lift the security freeze with Experian, and I am applying for a loan, but Experian 's website and phone support are XXXX bad. After 1/2 an hour I finally reached a human who told me he needed to mail me a PIN number to use to lift the freeze, with no other options, despite my giving him every possible identifiable piece of information about my account. This will take 7-10 days. In the process, Experian took every opportunity to sell me additional services and subjected me to endless automated phone sales pitches. How this company is accredited to serve the public in such an important way and somehow designated a " bureau '' as if it's not just a private money-making company is mystifying to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08
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: Information belongs to someone else

Complaint:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation