BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
Capital One is reporting lates on my credit file. These lates are for the months of XX/XX/20, XX/XX/20, and XX/XX/20. During this time the pandemic hit and i was financially impacted. On top of this my family was diagnosed with XXXX, making it even harder to make these payments. Me and my wife were out of work for a few months. Making my payments was completely out of my hands as i could not work. I have had accounts opened with you for a long time and have done a good job at keeping them in good standings so i am asking that you please remove these lates from my credit file not only because i am a good customer but because this situation was completely out of my hands. I was late due to COVID

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
See attached documents. Remove this personal information that does not belong 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 explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on my credit reports. Please send only the original contract with my signature on it that you have on file for the account listed above.

1. Please show how it was verified 2. Who verifies it?

3. Who validated?

4. How did you validate the alleged debt?

5.. The dates open and closed are different.

6. The account balances are different, who verified these?

Please provide answers to all, if you can not provide you are in violation of UCC 3-302 Holder of due Course.

Which means you are committing fraud

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 2022-01-16
Company: Experian Information Solutions Inc.
State: NC
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:
multiple unauthorized inquiries from " 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 2020-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Today XX/XX/XXXX I was called from a company named XXXX XXXX XXXX XXXX that identified themselves as a bill collector and stated that I had an account in XXXX that was paid up until XXXX. I explained that the company did not sound familiar to me and that I have never received any mail or corespondents from the company. The person that I spoke to threatened to take me to court if I did not make arrangements on the account. They were unable to tell me what kind of credit card it was. All she said was that it was from MBNA, I asked if she would be able to send me info via email from MBNA but it was never received. I feel that this company is fraudulent and makes scam calls.

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 2023-03-15
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I know my rights so please correct the following accounts.I reviewed the law located at 15 USC 1681i which describes your investigation responsibilities.Please complete this dispute in a timely manner and send the results to me so I can verify my credit.Thank you for your help.Please correct the accounts listed below. 

Account name : XXXX  XXXX Account number : XXXX Account name : US DEPARTMENT OF EDU Account number : XXXX Account name : US DEPARTMENT OF EDU Account number : XXXX Account name : XXXX  XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX injury and defamation of character along with 30 plus days of no response.

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 2023-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Someone hacked into the XXXX account of a friend of mine, XXXX XXXX, posing as her, she asked me to transfer {$740.00} to another person, because her XXXX was limited. The alleged person had the supposed name of XXXX XXXX and requested money to send to her email address : XXXX. I sent the {$740.00} to this email, the withdrawal was done from my XXXX account of XXXX XXXX  # XXXX on XX/XX/23. We reported the scam to XXXX XXXX, they told me, the money went to Bank of American account. XXXXXXXX XXXX requested the return of the money. At this time. Bank of America has not answered. The only institution who has all the real information the scammer is Bank of America. 
Reported to XXXX XXXX : XX/XX/23 Ph. XXXX to XXXX and 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 2022-01-16
Company: AMERICAN HONDA FINANCE CORP
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 status incorrect

Complaint:
American honda financial is illegally reaging my credit report in an attempt to keep negative information on my credit report. They are reporting my payment status as 60 days late when this account has been paid in full for over 3.5 years i've sent several request to ask that they refrain from this activity yet they're still reporting this misinformation in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Experian Information Solutions Inc.
State: OH
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:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.

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 2020-10-21
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I was paid for a service and/or services in the months of XXXX of 2020. I had a buisness account with this company. I was also a XXXX. I was covered as a XXXX, however some of the digital services i offered were not. This company asked me provide info for certain transactions. I had provided this exact same info in the past a few different times. This last time my account was closed due to SUSPECTED fraudulant activity. I was never given a description on how, what or who was involved besides myself. I, however, provided all of the requested info, which they already had. I feel i should have been given an explanation on this activity. If there was any fraud involved it was not on my part, in which i was covered under my XXXX  account. I feel this was highly unfair. Never had any of these problems with this company before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company AFNI put a derogatory item on my credit report which I disputed multiple times and they took it off my credit, and it appeared up on my credit report through another company.. Im in the process of trying purchase a home and it came on my XXXX. The new company is called XXXX. The account number is # XXXX with the company AFNI The last dispute letter date was XX/XX/2020 The amount is for {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
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:
On XX/XX/2021, I submitted a mortgage application to PenFed Credit Union. As soon as I submitted the application, my credit was checked with all 3 credit bureas. I did agree to one hard pull to process the application. That was fine. 

However, on XX/XX/2021 when I called to follow up on the mortgage application, the mortgage specialist pull me on hold to review my application and documents, and he inadvertently requested my credit for a SECOND time.

I pay for services that alert me when my credit is pulled. I immediately informed him over the phone of what happened. The representative was clueless and swore he did not request my credit again. Only 1 inquiry was needed. There was no need to run a second time. The representative though I was probably seeing the same as yesterday. I was very clear that it was two independent inquiries they ran.

I provided evidence to PenFed on multiple occasions, called over the phone, spoke to multiple departments and kept complaining and PenFed took no action. At the time, they were perplexed because in their system they couldn't see that my credit was pulled twice. I had to send them the evidence, and even with the evidence, they took no action! 

It has been well over a year and the additional credit inquiry from XX/XX/2021 is still on all my 3 credit reports. 

I'm attaching evidence of the inquiries on XXXX and XXXX. These are also showing on transunion. Please have them all 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 non-monetary relief
Consumer complaint received 2020-11-03
Company: FinCo Services Inc DBA Current
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I am owed a provisional credit while waiting for investigation I would appreciate that because that transaction should have fell off anyway my money shouldnt have been taken

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: SECURITY CREDIT SYSTEMS INC
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had purchased a XXXX XXXX XXXX from IRA XXXX XXXX in XXXX. AT the time of purchase I enrolled with XXXX XXXX for a program that, through bi-monthly payments would pay of my debt quicker. The loan company was XXXX bank. 
Two weeks ago i received a notice of an outstanding debt owed to XXXX plus dating back to XX/XX/XXXX. I was set up with Autopay for automatic withdrawal bi-monthly. My transaction history shows the following : My first payment was withdrawn by autopay for the month of XX/XX/XXXX was XX/XX/XXXX. 
My second payment was withdrawn by autopay for the month of XX/XX/XXXX was XX/XX/XXXX. 
On XX/XX/XXXX the debit was reversed. 
On XX/XX/XXXX funds were disperesed to my account for a home refinance, and payoff of `the XXXX XXXX XXXX A few weeks after I received the title for the vehicle. The check for payoff to XXXX was written out and sent to by the closing attorney. As far as I knew, once I was given the title all outstanding debts were paid off. 
I never received any notification from XXXX of a missed payment until XX/XX/XXXX. 
I spoke to the loaner XXXX bank, no issue. After much digging on my part I had a three way call with my Bank XXXX XXXX  and Autopay. During this call it was shown and stated by TD bank that neither myself or XXXX XXXX  had stopped payment. They proved this by pointing out the transaction history would look different. The only conclusion is that XXXX reversed the payment whether purposely or accidently or that there was a glitch somewhere. Had I been notified in the months after of an error, I had sufficient funds to right this. Three years, a year of pandemic, 9 months out of work, a new job making half the wage I made, I am strapped. I am at a loss on how the blame is solely on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email from Bank of America on XX/XX/2023 that they have opened a new checking account in my name. I am not, nor have I ever been, a customer of Bank of America. After waiting on hold for hours, the BoA agent confirmed that the account was fraudulently opened and said they would close it. On XX/XX/2023, I received an account statement and evidence that it was never closed. 

A similar issue with BoA also occurred in XX/XX/2023. I was assured that this wouldnt happen again. In XXXX, I also froze my credit with the 3 bureaus.

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 2022-08-26
Company: Experian Information Solutions Inc.
State: NC
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX ; XXXX XXXX XXXX A XXXX XXXX, TX XXXX; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$4900.00}.

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 non-monetary relief
Consumer complaint received 2023-02-25
Company: EQUIFAX, INC.
State: NC
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$810.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX  XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$1600.00} ; XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
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:
Dear Sir/Madam, I receive many credit card offers and other junk mail from Citizens Bank at my home address, but I have no banking or other business relationship with Citizens Bank . All of this mail is addressed to the prior owner of my home from 10 years ago. I contacted Citizens Bank several times to get them to discontinue these credit card offers and other junk mail, but they have refused to do so. The volume of mail sent to my home is harassment at this point. The mail is addressed to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Can you please assist me with having my home address permanently removed from the Citizens Bank mailing list for credit card offers and junk mail? 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: ZARVAD III S.A.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Borrowed {$900.00} company makes remote checks and has taken almost {$2000.00} alraedey from me and still shows I owe {$1300.00}!!! 
If I make a payment they they make a new contract for remaining amount and so more interest Im pretty sure this is illegal as I just got a settlement check from XXXX case and this company seems the same I can not stop the remote checks according to XXXX  unless I close my bank acct and I donr se why I should do that Company now appears to operate off shore in XXXX XXXX How can thay charge an interest rate of 842 % and make a new contract every time I make a payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Southwest Credit Systems, L.P.
State: ND
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX an account was open under my name for {$480.00}. The company name is southwest credit systems , L.P . The original creditor is XXXX. I am not responsible for this debt. I sent in letters to be disputed And havent heard anything back its been past 2 weeks. Can you please correct this information and delete it from my background. This is having a negative effect on my credit score.  Please correct the information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a claim with Bank of America on XX/XX/2022 regarding a transaction with XXXX  for {$770.00}, at which time I provided them with my plane boarding passes to show that what XXXX is stating regarding the item being delivered and signed for by me could not be valid as I was not in the state and I live by myself. On XX/XX/XXXX I received a letter dated XX/XX/2022 stating that the merchant has up to 45 days to respond to the claim. On XX/XX/XXXX I called into the BOA customer service number and spoke with a manager in the claims department that advised me that yes the letter is stating that the merchant has up to XXXX from the date the letter was sent which is XX/XX/2022 to respond to the claim and if the merchant does not respond I will be given back my money. On XX/XX/XXXX I called into BOA and spoke with a claim representative who advised me that the merchant has up to 90 days to respond and if they dont then the bank will reach out again for resolution. At this time I advised her that is not what the Bank of America letter says nor is that what was told to me by the previous manager, I requested to speak to a manager. At this time a manager came on the line and advised that with this type of claim they allow up to 90 days for the merchant to respond if the merchant does not respond within 90 days then they will followup with the merchant and they cant provided a time frame of how long it will take. I again advised the manager that I am holding a letter from BOA that says the merchant is allowed 45 days and I would like to have my money give back to me. The call was disconnected

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