BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I have a loan with BANK OF AMERICA N.A. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update or repaired the account ASAP!!!. 
BK OF AMER XXXX Date Opened : XX/XX/ Balance : {$1500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
We are not sure why we are being charged Finance Charges of {$20.00} by Kohl 's Credit card ( operated by Capital One, N.A. ) We returned defective orders # XXXX, XXXX, XXXX. Total credit for the defective gift card return was to be {$1000.00}. 

XX/XX/XXXX XXXX # XXXX {$300.00} XX/XX/XXXX XXXX  # XXXX {$300.00} XX/XX/XXXX XXXX  # XXXX {$400.00} The defective gift cards were returned via XXXX Tracking XXXX XXXX XXXX on Friday XX/XX/XXXX XXXX XXXX   and signed for by XXXX XXXX, XXXX Tracking XXXX XXXX XXXX on Monday XX/XX/XXXX XXXX XXXX and signed for XXXX XXXX XXXX & XXXX Tracking XXXX XXXX XXXX on Tuesday XX/XX/XXXX XXXX XXXX and signed for by XXXX. XXXX. 

We were instructed by Kohls.com customer service several times to mail back the items and the damaged packaging. 

We have notified Kohls ' and Capital One, N.A. numerous times about the disputes as required. We have called and mailed letters to Kohl's/Capital One, N.A., XXXX XXXX  XXXX, XXXX, WI XXXX. We have heard nothing from Kohl's/Capital One, N.A as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 am a Natural person, I am a living human being, I have the rights under 15 USC 1681.Equifax is govern by 15 USC 1681 , And they violated my rights numerous of times.I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.These accounts are XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX SD XXXX, next account is XXXX  XXXX XXXX XXXX XXXX, XXXX, ND XXXX, XXXX is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, va XXXX , next is XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX, last account is XXXX XXXX  XXXX XXXX XXXX, XXXX, PA XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-03
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been trying to resolve my private student loan debt with Sallie Mae, now Navient, for 10 years. They refuse to work with me to lower my payments. It is a CONSTANT, nonstop harassment on their part to try to get me to pay $ XXXXmonth which I CAN NOT afford. I just had a XXXX  and had to take 4 months of unpaid FMLA time off of work. They straight up REFUSED to work with me in any way when I called to ask about temporarily suspending payments while I was recovering from having my XXXX. I called several times leading up to my XXXX to ask about my options because I do want to pay back my loans and they offered me no empathy or options. I became very frustrated with the entire situation and told them to just cancel my payment plan of $ XXXX month. That is the absolute lowest they would go, by the way. I work part time and make very little money and they really don't care. They are a predatory company who does not care about helping anyone out, all they care about is money and harassing good people who have fallen on hard times. They usually call my cell phone between 10-15 times A DAY. Not only was that bad enough, TODAY they SOMEHOW got my brother in laws phone number and called his cell phone. They asked for my mother in law by name and said they were trying to get in contact with me. My mother in law was very worried about how they got her information as was my brother in law. This is completely out of line. They are NOT cosigners on any of my loans, they have ZERO involvement with any of my student loans, private or federal. This is outrageous and predatory and I will not accept it. Something needs to be done about this and I need some help. I am at my wits end. I have often considered filing bankruptcy, hiring a lawyer and suing the company and this had led me to a severe XXXX and even at times XXXX  thoughts. My credit is ruined, my co-signers credit is ruined, and they remind of that fact every day. I have thought it would be better for me just do XXXX  so I don't have to deal with this stress in my life anymore. And I have TRIED FOR 10 YEARS TO RESOLVE THIS ISSUE. They ALWAYS refuse to work with me about lowering my payments. I have been screaming out for help for 10 years and no one has helped me. I am tired of suffering like this. I need some help. This complaint needs to lead to changes at Navient and how they handle their customer service. It HAS TO CHANGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
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: Public record information inaccurate

Complaint:
Trans Union continues to list a dismissed bankruptcy as confirmed within my credit file. Although it is Trans Union 's policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. However, the law clearly states from " date of adjudication '' or date of " order of relief ''. Neither occurred in the bankruptcy that Trans Union continues to report.

Any case, civil or otherwise, which is dismissed never existed in the eye of the law and a case filed may never have actually been adjudicated.  Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, Trans Union must delete this information from my credit report and send me an updated copy when this action is completed. Trans Union has already reported this on my credit report for over seven years... enough is enough.

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this complaint and please provide me an updated copy of my credit report.

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 2020-03-03
Company: BBVA FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hi, I think Simple Bank is discriminating based on the customers country of origin. I applied for a checking account on Simple Online Banking website. ( https : //www.simple.com ) I got denied and was provided no reason for the denial. I have a perfect credit score ( 800+ ), a relatively high income, a valid name, address and social security number. I don't see any reason why would a financial institution deny a checking account application for someone like other than the fact that I'm not US citizen.

In the application, they asked if I'm a US citizen, I said no. Then they asked which country I a citizen of, then they asked if I'm a resident alien ( Permanent Resident ) and I said yes. I know for fact that discrimination based on country of origin is illegal and should not be tolerated My partner with similar credit score and salary as me, who is a US citizen applied a few days before me and she got approved immediately. 

I would appreciate it if you could follow up on this so this doesn't happen again to another customer. 

Company 's Name : Simple Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX https : //www.simple.com/

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: FIRST ADVANTAGE CORPORATION
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
My background through first advantage consumer reporting. 
I applied for a job with XXXX XXXX and 1st advantage reported some erroneous information on the report. 
I never had a charge of aggravated assault XX/XX/XXXX nor any charge of unlawful possession of a firearm nor a charge of unlawful purchase of a firearm.XXXX And I certainly never was convicted of such either. 
The firearms charges were false info only.I disclosed everything and they messed up the information.I am legally able to have my firearms.Sell or Otherwise.those charges were due to a pawn shop form I misunderstood and tried to answer truthfully.My ex wife had a protective order in place which was all based on false information.I was charged with on XX/XX/XXXX with XXXX XXXX but I certainly wasn't convicted of that charge.It was simple XXXX a misdemeanor and not a felony.Plus the whole thing was based upon false information in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 sent identity theft letter along with documentation on XX/XX/XXXX to start the fraud investigation. Everything got deleted from my account except 1 thing and thats with XXXX XXXX XXXX and they response was to call them. This dispute process was not handled correctly. If i provided documentation, why are they asking for more.

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 2023-02-23
Company: Experian Information Solutions 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:
Fraudulent account appearing on my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX 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 2022-02-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporting Act XXXX XXXX XXXX with account number XXXX has violated my right.

15 USC 1681 Section 602A. State I have a right to privacy.

15 USC 1681 Section 604A Section 2. It also state a consumer reporting agency can not furnish an account without a written instructions.

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 2022-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022 using my Bank of America checking account I placed an order worth of {$17000.00} on XXXX  Website. 
XXXX has lost the package and paid XXXX for the claim and XXXX is neither refunding nor shipping my order. And XXXX is telling me that they dont want to talk to me anymore. 

I asked bank to reverse the payment and they said they cant. 

My money has been lost.

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 2022-02-26
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/2022 I have contacted Equifax, XXXX and XXXX several times about the inaccuracies on the Dept of ED/ XXXX and XXXX that are being reported. Also there is a problem with the days being reported late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/2022 I have contacted XXXX, TransUnion and XXXX several times about the inaccuracies on the Dept of ED/ XXXX and XXXX that are being reported. Also there is a problem with the days being reported late.

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 2023-09-04
Company: Experian Information Solutions Inc.
State: TX
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:
Experian Will not remove accounts that are not mine. the are refusing too do it.

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 2020-03-03
Company: ENOVA INTERNATIONAL, INC.
State: ND
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
This company keeps emailing for payday loans that I have never applied for and have given my information to several other affiliates. I am getting spam calls and emails constantly from these vendors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was mislead by Bank of America that I can get a preapproval for a va home loan. Promised they can add my tax exemption to help with my debt to income is. Was denied because they cant add my tax exemption after saying they would. Now instead of getting a 3.375 interest rate and XXXX in closing assist Im stuck in the final stages with a lender charging me a higher interest of 3.750 rate and a estimate of XXXX In Closing cost. Attached is clear proof of my tax exemption that helps my mortgage not be 1/3 over my income on a XXXX loan. I even had preapproval sent to me.Im currently under contact and I had no choice but to pick a lender instead of dispute because I have 10 days to close

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 2023-03-02
Company: Waypoint Resource Group, LLC
State: TN
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:
In XXXX, someone stole my identity and opened an account with XXXX XXXX. The balance was sent to a collection agency RECEIVABLES PERFORMANCE XXXX XXXX XXXX XXXX, XXXX, WA XXXX. 
We filed a police report in XXXX of XXXX  and did the required paperwork from XXXX XXXX. At that time, the other credit bureaus had it removed, but XXXX did not. We recently found out that the fraud is still on our credit report with XXXX, and filed a dispute, but they refused to remove it. 
Today we called XXXX XXXX who told us they had it removed from the XXXX XXXX XXXX, but they refused to do anything else about it. We called the credit collection agency, who said the debt is still valid and was not removed by XXXX XXXX. They hung up on us and wouldn't tell us anything else. 
XXXX, XXXX XXXX, and the collection agency will not help us have this removed and we are trying to buy a house.

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 2022-02-26
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Mr Cooper is charging me like XXXX XXXX ( I have to look at my last statement ) because I was in a forbearance do to COVID. Are they allowed to charge me? Now I have additional money to pay on gop of my 50 year mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Experian Information Solutions 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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

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 2022-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporting Act XXXX XXXX XXXX with account number XXXX has violated my right.

15 USC 1681 Section 602A. State I have a right to privacy.

15 USC 1681 Section 604A Section 2. It also state a consumer reporting agency can not furnish an account without a written instructions.

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 2019-10-01
Company: Pinnacle Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Was sent a letter on XX/XX/2019 by XXXX XXXX XXXX, stating that I owed this debt with Pinnacle Credit Services , LLC. This is at least the second company pinnacle has sent this debt to for collection that I do not owe. I have disputed it previously on XX/XX/2019 with XXXX XXXX XXXX for the same debt with Pinnacle.  Everytime I dispute it they just transfer it to another company to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are inquires on my credit report that I did not authorize and that do not belong to me. Please have them removed from my credit report as soon as possible. 

I have listed all the inquires below. 

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: In progress
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by 3 credit bureaus. Despite sending them the complaint. I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my report. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is ( still ) reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : Inquiry included in dispute : XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date 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 non-monetary relief