BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: OH
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 Consumer Note is my official call for you to discontinue reporting the items below-displayed and the aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance issues in your current reporting, I demand you prove beyond doubt your claims ( s ).

This COFF item is deficient as reported, as below-displayed in evidence of uncertified *HRCF12 questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO @ FORMAT compliance since, per XXXX, XXXX  XXXX Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 
I wanted to inform all parties that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. 
I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financial liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified fraudulent account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
So basically, I went to Bank of America to see what was going on with my account they told me that Bank of America closed my account the people online that deal with that. So I called and I didnt get any heads up about my account being closed. I just got this account last month. They told me it was due to suspicious activity and that I needed to be verified so I got verified and now they are telling me they cant do much. I had just made a new password last night for my Bank of America account because I felt like something was off on my app. Im so very confused and upset, because I got this job and Im new and I get paid the XXXX and idk how Im gon na be able to access my account. I need it, its nonsense that my account got closed for no reason, especially without any warning

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 2022-02-21
Company: The Moore Law Group
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I don't know why this company is making threats to me in the attached letter. I have tried asking the company for a copy of the contract and they have not produced it. There's no way for me to know how much the debt is for and how much the fees are without the original contract. Simply sending me bank statements does not establish that anything is owed and is not enough information. These companies are attempting to collect on a a debt not authorized by an original agreement or permitted by law in violation of the FDCPA and CA RFDCPA. I am requesting that they do not call me and that they communicate with my authorized representative only.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Comenity Bank charged me a late fee after telling me there's nothing due then sent an invoice with another late fee to cover the first late fee. I was instructed to pay off the {$68.00} and report it here but now they're charging {$28.00} for return fee when I didn't pay with a check and I specifically asked the customer service personnel who took my payment if there was anything else due. I am a military veteran  who suffers severe XXXX and this is really stressing me out. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: KY
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 requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Last XXXX XXXX, 2020, XXXX removed me, my wife and my daughter from the boarding area of a flight from XXXX, XXXX, to XXXX, XXXX, because we were American citizens. At the time, Donald Trump and XXXX were in a dispute over whether citizens could fly back and forth, and XXXX became nervous they might be punished if they flew us to XXXX. After we checked into the flight we had paid for, XXXX called us back from the gate, gave us our luggage back ( we still have the tickets ) and sent us home ( we bought tickets on XXXX XXXX and flew the next morning instead ). 

XXXX appears to be struggling. Their website offers no human interactions, and their complaint forms don't include options that describe our circumstances. I complained using their forms but wrote in the details of what they did to us. They did not offer us a reimbursement or a voucher. They rejected my complaint. My complaint was that they removed us from a flight for being Americans. I filled out the airline complaint forms twice. They rejected me twice. 

Next, I appealed to the credit card that I used to purchase the tickets. The credit card, Capital One Visa, accepted my complaint for a reimbursement. However, they mailed me a reply asking for more information. They mailed the reply to my address in the United States ; however, I live during the year in XXXX, XXXX, where I am an international teacher, and I never received the mailed request from the credit card. 

I recently called Capital One to find out about the status of my complaint, and the agent on the phone told me that my complaint was now closed because too much time had passed. Also, the agent told me that XXXX claimed that my family and I missed our flight, and it is our fault. XXXX is lying. We did not miss our flight. We arrived to the airport on time, and they checked our luggage and issued us tickets on flight XXXX XXXX XXXX, XXXX to XXXX XXXX, seats 1A, 1B and 1C. There were no published prohibitions against Americans flying to XXXX, and indeed, we flew to XXXX the next morning. However, due to concerns at XXXX, XXXX would not let us board the flight ; they forced us to check back into XXXX, collect our luggage and go home. 

Despite sending Capital One Visa photos of our documents, including the full tickets we received ( which have our luggage tags on them ), Capital One chose to believe XXXXXXXX XXXX assertion that we simply missed our flight. 

Capital One Visa refused to reimburse us the {$280.00} that we paid to XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I went to the New Jersey Special Civil Court ( XXXX XXXX ) on XX/XX/2023 to represent myself against a lawsuit brought against me by Capital One for a credit card bill. The judge mentioned that the creditors have the right to issue warrants for consumers and have them arrested and forced to pay the amounts that the creditors want. During my court date, the judge excused me because he stated that there was a Motion To Dismiss for this case/lawsuit. Still, Capital One is reporting negative information to the credit bureaus for this account. More disturbing is the fact that I believe they were overcharging me by not applying the proper amounts to the principal on my credit card, and charging bogus fees. These deliberate miscalculations occurred throughout the duration of this account 's history with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: GA
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/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

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 2023-06-08
Company: EQUIFAX, INC.
State: NY
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:
XXXX and Equifax just add items to.my credit and update tradelines. Re aging old accounts never listed as fraud. 
Medical debt added which was resolved through financial assistance through hospital do bill were not validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt in collecting which is being disputed is a medical bill from a car accident which happened in XX/XX/2018. On the date of the accident, the emergency service arrived, they inquired if any of the participants of the accident would like to be medically examined. Everyone including myself declined the examination because I had no severe injuries and. Because the police had not yet arrived, they presumed to gather the details of the accident as well as our personal information. Due to my relocating of residences during the time, I never received any information of the debt and therefore was unaware of the collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08
Company: EQUIFAX, INC.
State: GA
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:
I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, 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 promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  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 2023-08-11
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The credit reporting agencies are in complete violation of my consumer rights. 15 USC 1681B A2 states that no one can furnish information on a consumer 's credit report without their written instructions.18 USC 1028A states this is consider a form of identity theft if i didnt give permission. 15 USC 1681 Section A states i have the right to privacy. All accounts reporting on my credit report are inaccurate and not mines. They are misleading, unfair, and I want all the negative close accounts deleted immediately. I have a recent credit report identity theft report, and letters i sent to each organization. Again i command that Equifax, XXXX, and XXXX cease and desist any negative reporting without my permission and consent. Any future reporting of these negative inaccurate closed account will result in legal actions taken to protect the consumer XXXX XXXX XXXX [ XXXX ] UCC 1-308 without prejudice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-09
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My husband and I decided to put our Navy Federal Credit union credit cards on a debt consolidation program due to us getting nowhere with our monthly payments. I transferred themoney from an auto insurance claim from XXXX for my car repairs to Navy Federal so that I can transfer it to my sons Navy Federal account so that he can pay for the car repairs since I am currently out of the state in XXXX XXXX Alabama for school and Navy Federal withdrew the money with out my authorization to put towards my husband 's credit card which I'm a co-owner to. I called Navy Federal to request a refund so that I can pay for my car repairs and they denied the request even when I told them that was an insurance claims money for my car repairs. This is creating hardship and stress on me because I don't have the extra money to cover for my car repairs this is not the first time that Navy Federal withdraws money from out accounts with out having authorization. They have done the same from my husband 's account with out his permission. XXXX does not do this and we have a credit card with them that is also enrolled in the National Debt consolidation program we have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: LA
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:
I am writing to dispute the reporting of bankruptcy information on my credit report. According to my credit report from the credit reporting agencies, it appears that bankruptcy information has been reported by your agency. However, I would like to bring to your attention that bankruptcy courts do not report directly to the consumer reporting agencies, and it is a violation of the Fair Credit Reporting Act ( FCRA ) for such information to be included in my credit report. 

I would like to emphasize the following points : Bankruptcy Court Reporting : Bankruptcy courts do not provide information directly to consumer reporting agencies. The reporting of bankruptcy information is the responsibility of the creditors and collection agencies involved in the bankruptcy proceedings, and it is their duty to accurately report this information to the credit bureaus. 

Pursuant to 15 USC 1681c ( a ) Bankruptcy information is excluded from the consumer 's report. 
( XXXX, XXXX, Experian, XXXX and XXXX ) is in violation of said section for furnishing this information on my consumer report, that was obtained illegally from XXXX XXXX under false pretenses in which they've obtained it from an online electronic system known as 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