BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-09
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 ( date provided in letter ) I sent a letter regarding an inaccurate 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 2018-07-15
Company: EQUIFAX, INC.
State: IL
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 was a victim of identity theft due to a massive data breach via Equifax and other agencies. My personal information was compromised and accounts and other items were opened in my name. I attempted to resolve the issues with all three credit reporting agencies. Even after submitting police reports, FTC affidavit and other items, the three credit reporting agencies refused to removed the erroneous accounts from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Bank of America has been reporting an credit account on my credit since XX/XX/XXXX. They charged off the card as of XX/XX/XXXX. But they have a mix up with me and my grandfather, and the only reason i know this, is because XXXX  verified the address and its my grandfather 's address. They claim to have my social through according to XXXX  but with different information, such address and dob. I reached out to bank of america on XX/XX/XXXX which i sent via Priority mail express so i can verify who received it. They have decided not to respond to my verification letter and continue to report to the credit bureau. 
The Same thing happened with 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 2020-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-09
Company: Experian Information Solutions Inc.
State: VA
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:
Hello. There has been absolutely no change to my credit activity but it has gone down 19 points. The ONLY thing that has changed is that I have repeatedly said I do not want to purchase a " credit boost '' through Experian. This seems to be a recurring theme with Experian. There is absolutely no reason someone's credit rating at Experian would drop drop 19 points when NOTHING has changed and only when they refuse to purchase what the credit agency is selling. This has been an ongoing theme with others who have refused to purchase Experian items, which, the last time I checked, was illegal.

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: NAVY FEDERAL CREDIT UNION
State: MO
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:
Navy Federal Credit Union has violated the Dodd -Frank Wall Street Reform and the Consumer Protection Act. Specifically by demanding and lying about payment. They are reporting false statements to the credit reporting agencies and i quote " Paying under a partial payment agreement " There's absolutely no payment agreement, I'm demanding a physical copy of this so called agreement. Here 's the correct history inwhich still doesn't make sense. Account opened XXXX, Then they say last payment was on XX/XX/XXXX. And the report also stated that this account closed XXXX, excatly one month later. Then at the same time the account was closed. Again Navy Federal Credit Union has violated. In XX/XX/XXXX this account was removed fron my creut file, but then reinserted back on my credit file inwhich was illegal if you didn't notify the consumer of this within 5 business day. And again no one notified me about doing so. Im demanding that Navy Federal remove this account immediately from my credit file.

Please remove the following 1 ) Navy Federal Credit Union

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XXXX XXXX is currently charging me for two rings that 1. I never received. 2. I called and cancelled immediately after the order. 3. I have called customer service MULTIPLE times and they always transfer me to Comenity, Comenity says that they can't handle it, so I keep explaining to them and they still have it charged on my account. I believe the company is doing this to people on purpose and they are breaking the law. The merchandise was cancelled almost immediately after I ordered it. They assured me it would be cancelled and I didn't have to worry about it. Now I'm being charged for two engagement rings that I do not have. They have made their process unreasonable and cumbersome. They surely have record of my cancelling these items. Every time I call to discuss it a no one can help me. I want them to remove these charges so I can pay off what I actually owe and close the card. They are breaking the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-16
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
back when it was inbehind I owm monet I caught it up so they still say iwas behind

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 2020-06-26
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:
SOMEONE STOLE MY ID ND MY SOCIAL SECURITY NUMBER AND USED IT TO OBTAIN A CAR AND TO SIGN UP FOR SCHOOL I DID NO GIVE ANYONE PERMISSION TO USE MY INFORMATION NOR WAS I AWARE OF THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-05-09
Company: ENCORE CAPITAL GROUP 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:
This letter is your formal notice to cease your unauthorized inquiries into my credit report and a formal demand that you immediately contact the data furnisher, where their organization has made inquiries into my credit history, to have these illegal inquiries removed. Be advised that I will be checking my report to insure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XX/XX/XXXX Midland Credit MGMT XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: FC HoldCo LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I mailed out a debt validation letter to flagship credit acceptance on XX/XX/2021 requesting for them to validate the alleged account ending in XXXX. They responded by sending a letter as of XX/XX/2021 advising that I am responsible for the alleged loan. Pursuant to Generally Excepted Accounting Principles they have to prove the money left their account if they gave me a loan and they did not provide any information showing the funds actually left their account. Also included in the letter was the paperwork for the alleged loan which list me as a borrower and pursuant to the Truth In Lending Act I am a consumer and not a borrower as bank can only borrow money. Pursuant to 15 USC 1692j this is a deceptive form because I entered into a consumer credit transaction w Flagship which no cash what is supposed to be excepted by the lender. Flag ship is in violation of 15 US C 1605. A finance charge is the sum of our charges in a consumer credit transaction and it does not include cash. Flagship in fact took cash as shown in the attached labeled exhibit. I have found 24 protected consumer right violation under 15 USC 1692 and USC 1605 that I have presented as exhibit w a signed affidavit of truth. I also have a recession letter exercising my right to rescind pursuant to 15 USC 1635. Flag ship is in violation of 15 US C 1611. Flagship willfully and knowinly failed to provide and disclose information required under the provisions of 15 USC 1601. They are now criminally and civilly liable. I have mailed attached documents to flagship as well.

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 2021-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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:
Late Payment for Capital One on XX/XX/2020 Capital One Reported a Late Payment on a Credit Card I have with them. The late payment came from an annual fee on my Capital One XXXX  Card. Because I don't use the card and keep an empty balance, I had forgotten about the late fee I paid the late annual fee including the late fee and had asked them to delete the late payment from my credit report since the late fee didn't come from having a balance. And they said they could not do so. 

Since then, the late payment had severely hurt my credit report. Despite having flawless payment history otherwise

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-17
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: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX  XXXX-Balance {$1200.00} XXXX XXXXXXXXBalance {$0.00} XXXX XXXXXXXX-Balance {$0.00} XXXX XXXX XXXX-Balance {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
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:
When I investigated my credit report, I realized that some of the information was erroneous. The Equifax and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/items information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Experian Information Solutions Inc.
State: TX
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 canceling credit monitoring or identify theft protection service

Complaint:
Need a XXXX XXXX  off

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 2022-08-10
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/items information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX CT XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV 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 non-monetary relief
Consumer complaint received 2021-04-09
Company: LoanCare, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a loan with XXXX and it is serviced by LoanCare. I went into a COVID19 Forbearance plan starting XX/XX/XXXX. My Forbearance was through XX/XX/XXXX. I was able to start resuming my payments XX/XX/XXXX. I applied for assistance to pay the payments missed during the Forbearance but I was denied XX/XX/XXXX. I appealed the denial and was denied again XX/XX/XXXX. I was required to pay the full amount to reinstate my loan or risk foreclosure. I submitted the final payment today, after struggling to come up with the money and borrowing. Being an FHA loan and a COVID19 Forbearance, I believe LoanCare should not have required me to pay the past due amount in full right away. I had to borrow the money and am now owing others money.

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 2020-05-09
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I applied to open a personal checking account at XX/XX/2020 with First Citizen Bank through their website. 
The application was approved and i received a debit card around a week later by mail. 
I deposit two checks at XX/XX/2020 and also {$1000.00} cash at XX/XX/2020. 
My access to my online account was blocked at XX/XX/2020 and i informed my card has been declined for an online payment. 
So i called the mentioned bank and ask about declined transaction and i was told my account is in closure process, and i have to call XXXX to follow up. 
While this bank held my money, any application evaluation should be done during application approval process and there is nothing in their agreement that the bank are allowed to evaluate customer account with XXXX at anytime and because of that decide to close account without prior notice. 
Closing an active account, held more than {$2000.00} remaining balance without any prior notice or instruction to payback and put people in limbo specially during these devastating days that cash is more important in day to day lives indicates how a financial institution can be ruthless and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
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:
Hi my name is XXXX XXXX. I'm currently in the market to purchase a home and before I actually start the process I wanted to review my credit report again. After carefully reviewing it I noticed a couple of items that are not mine and I have no idea where they came from. It's kinda of scary that something like this can happen. I've reached out to the FTC and to local police department and I am doing this all on my own.These items are not mine and I have no idea how this happened but these items need to be removed from my credit report.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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Collections Acquisition Company, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A check bounced that is not in my name, on an account I do not have, and the debt. collector refuses to remove it from my credit report. I have been sent a copy of the bounced check, and when I have tried on several occasions to call them they will not return my calls. 
The company XXXX debt. collecting agency XXXX is Payliance. The phone number I keep calling is XXXX. Address XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX This is on my XXXX credit report. The amount is approximately {$330.00}. 
The police report # in XXXX, XXXX is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I recently applied for the XXXX Visa card issued by Comenity Bank. Even though the bank received my Social Security number and performed an inquiry on my credit file, they are now holding my application unless I send them a copy of my Social Security Card via US Mail, along with my driver 's license and a bank statement or other document. This is everything someone would need to commit identity fraud and I can not believe this bank is allowed to operate in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
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: Old information reappears or never goes away

Complaint:
XXXX, XXXX  and Equifax are reporting an account with XXXX  XXXX XXXX that should have been removed due to the 7 year rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: SN SERVICING CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
No matter how much I pay on the loan they say I am behind. I have paid over 15,000 on the loan in the last year or less and they say I am behind. They keep charging late fees. If I had been more than a couple of payments behind they would have been for closing and they weren't. When I call them they tell me if I don't like the way they treat me I should refinance with someone else. 

Can you help They handle the loan for XXXX XXXX I did not take the loan out with them it was sold to them and they have always been trouble. SN Servicing Corp is  in XXXX calif

Company response to consumer: Closed with explanation