BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-26
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:
NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT XXXX XXXX format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of hich is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > XXXX Not Proven Compliant Account -- > XXXX Alleged Reporting Data Provider -- XXXX XXXX XXXX Not Proven Compliant Account -- > 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 2019-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I deposited a check via mobile on XX/XX/2019 in the amount of {$1.00}, XXXX. The check was from a XXXX personal checking account. Despite the fact the check cleared through XXXX on the XXXX, Bank of America put a hold on the check until XX/XX/XXXX. I received the check from a friend, I have a recorded conversation with my friend and XXXX XXXX, wherein XXXX assured that the money was sent to Bank of America on the XXXX. 

Furthermore, I have a copy of the cleared check from my friend. Bank of America does have my money and despite talking to numerous " so-called '' managers, wherein I recorded each conversation, to name a few : " XXXX XXXX '' Financial Center Manager, XXXX, IN who stated he would get my money release. I met with " XXXX XXXX '' in person also and he saw the proof from XXXX that I provided that the check did clear from XXXX. " XXXX XXXX '', Supervisor, also stated she would get my money released I have a recorded conversation, however all to no avail! 

Bank of America has received the money from XXXX XXXX, I have proof and they are holding my money for no reason! This should be unlawful!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They start to call about every six months or so, and when I ask for details about their location, they refuse to give it to me. I have not received documentation regarding the debt and they continue to tell me that they are sending it and that I'm not responding. When I ask for their address so that I can send them a cease and desist letter, they refuse and tell me that they are not collections. They tell me they are with " In House Processing '', but say that they are not the original debt holder. They have my SSN, DOB and address, and it makes me very uncomfortable that they have this, but yet I do not know who they are or where they are located. 

This morning was the most recent contact ( XX/XX/XXXX @ XXXX MT ). When I called them back, they verified who I was, and indicated that they could settle a debt with them from ACE Cash Express. When I asked them for documentation of the debt, they asked to verify my address, the address that they have for me is incorrect. When I asked for their name and business address, they stated that I was harassing them and hung-up on me. I called back to try and get more information and they stated the debt was from XXXX, that it was for {$1800.00}, and that they could settle for 33 %. They indicated that I was going to be served with court documents for a civil proceeding in XXXX County Court. When I asked them for their attorney 's name they were suing me with, they refused and hung-up again. The third time I called them back, they immediately stated that I was harassing them and that they would count me " served ''. 

The fact that people in an unknown state, business, etc. have my personal information ( SSN / DOB / Employer ), but they will not tell me who they are, where they are is very concerning. The fact that they have repeatedly stopped calling me for months at a time and then pick back up later leads me to believe that they are hoping one day I will have a lapse in judgment out of fear and give them a credit card for payment on a debt that I'm not aware of!

Also, my husband and I filed for bankruptcy in Colorado approximately 5yrs ago and included any an all debt. If I did owe this company money and was aware of an outstanding debt, then I would have included them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Navient Solutions, LLC.
State: FL
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:
Someone took out 2 student loans in my ( former ) name on XX/XX/2019 through Navient Department of Education. I reported it to all 3 credit bureaus, FTC.gov and Navient and sent in the requested documentation to Navient. XXXX   informed me today that they are not resolving my disputes and it will not be removed from my credit report, as Navient states I took out the loans. I havent used the last name XXXX in 15 years, I am not in school, nor do I have any need for student loans, the address on the account is in TX and I have never lived in TX, and the phone number on the account is a SC number and I have never lived in SC. My XXXX score dropped over 20 points just since last month over this and I want it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Good Morning, For the past month I have been working solely with Equifax to try and rectify an issue with my credit report being frozen, locked, or blocked. I am in the preliminary steps of of purchasing a home and I have been held up for months now because my lender is unable to access my Equifax report. She is able to access XXXX and XXXX but continues to state that Equifax is locked or frozen. Equifax has been extremely unresponsive and unprofessional with this matter. I have spent myriad hours on the phone with them to no avail. 

I ask that you please contact Equifax and remove ALL freezes/ locks/ blocks on my account and please notify me when you have completed this. I am glad that this resource is available because it has been extremely frustrating trying to resolve this with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This began last fall. I have USAA for checking, savings and insurance. I used to get a text message when they noticed something possibly awry. Last fall that stopped, XXXX, I believe. They saw something they thought suspicious, sent me a text which I never got, then deactivated my card, which I found out at a store the next day. I called, found I could not register my phone, they use a XXXX digit short code. I worked with my phone carrier and verified I can receive short code messages, no numbers are blocked. I have spent more than XXXX  hours on the phone with USAA. They keep telling me they can fix it, last call was XXXX weeks ago, I was supposed to hear back, never did so I called today. They closed the ticket as resolved, they've done that before too. It is NOT resolved. The representative tried to send me a text and couldn't, that is not resolved. Had me switch to other methods but all XXXX involves a text message which I can not get from them. I have to use email, that is NOT convenient. I've more than {$70000.00} sitting with them and I NEED to be able to get text messages. This latest representative said she'd reopen a ticket and in the process of doing that, disconnected and never called back. So I searched these problems with USAA and found your process. I'm going to file a XXXX complaint too. I may well move my money to a bank that actually cares about their customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, 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:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a ( 3 ). They assumed this role without permission not only that they did not have my consent. They did not respect my rights to privacy which is under 15 USC 1681 a ( 4 ). They did not exercise there grave responsibility, they were unfair, they were partial. They never had permissible purpose Under 1681 b ( 2 ). I never consented to this report in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: CITIBANK, N.A.
State: IA
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 added as an authorized user to a credit card without my consent. The card holder is my father, and he has my social security number. We are no longer in contact and I do not know how to reach him as we are estranged. I continue to receive negative ratings on my credit report due to his high balances and late payments. This is affecting my credit rating. I contacted the Citibank customer service sometime last year and they stated that they were unable to remove me as an authorized user, and that I had to contact the cardholder to do so. 
The credit card is reported on my credit report as, " CITIBANK CBNA/XXXX  '' and the source is reported as, " XXXX. '' The address of the card company is reported as, " XXXX XXXX XXXX, XXXX XXXX, SD XXXX. '' Any help with this matter is much appreciated!

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 2021-04-06
Company: ALLY FINANCIAL INC.
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off a loan with Ally Bank on XX/XX/XXXX via electronic payment. The funds were immediately taken from my checking account. When reached out to Ally to inquire about receiving a lien release letter, I got no response. I reached out a second time the following day via social media and was told someone would reach out within 24 hours. I still received no response. I then called on Monday, XX/XX/XXXX and was read very vague statements about the process. " It will take about 10 days to process payment '', " it will take about 7 to 10 days to mail the release ''. I reached out on XX/XX/XXXX, which was 10 days after the payment was initiated and spoke to a representative that told me it would be faxed on that day. It did not come on the XXXX, so I called again on the XXXX and spoke to XXXX, a supervisor and was again given vague dates. " Need to wait a couple more days for processing ''. This is a process that takes less than an hour in a branch and I have been waiting nearly two weeks. I have expressed my frustration and keep getting the same response from Ally. I would like specifics on when the release will be sent to me and how ( I prefer fax or email ). I am not given the grace of a range of dates for payments and if someone is 1 day late they are assessed a fee. The same standard should be applied when a contract has been satisfied.

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 2018-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
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:
It was on XXXX, I was making payment through XXXX XXXX XXXX program to capital one credit card and they report to credit bureau that I was late payment for 120 days even if I was paying to them through XXXX XXXX XXXX  program. I was very disappointed with XXXX XXXX XXXX and capital one credit card company. I was injured with XXXX XXXX XXXX that makes me unable to work for 3 months as well. I have only been in US for 3 year through refugee status and I dont understand much about credit game. 
Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-10
Company: EQUIFAX, 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:
I recently went to a credit counseling class for home buying. I ran my credit report and i see unauthorized items that i do not recognize on my report I did not authorize these items on my credit report and i wantthem removed. I'm doing this on my own and did contact the ftc and the local police. Bankruptcy : Discharged XXXX, Bankruptcy chapter? -discharged, Chapter XXXX bankruptcy discharged, 12 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 non-monetary relief
Consumer complaint received 2019-02-10
Company: EQUIFAX, INC.
State: AL
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 reviewed my credit report recently and notice some items that i did not authorize. I did not authorize these items and I need these items removed from my credit report. This is totally unacceptable. N/A ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 10 XXXX XXXX XXXX XXXX. 11 XXXX, 12 XXXX XXXXXXXX 12 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX. I'm doing this on my own behalf. I contacted the Ftc and my local police.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 reviewed my credit report recently and notice some items that i did not authorize. I did not authorize these items and I need these items removed from my credit report. This is totally unacceptable. N/A ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA 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 , GA EMER XXXX XXXXXXXX XXXX XXXX, XXXX. I'm doing this on my own behalf. I contacted the Ftc and my local police.

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 2017-12-05
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened a XXXX 's account under the impression that I was able to use it for a purchase. They were unable to honor the purchase, and I told them to close the account. I was just sent a statement of my new credit card.

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 2018-03-26
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I went to open a Bank account and once they ran the ChexSystems 3 accounts came up on my account that were listed as NSF ( 2 ) activity or Account Abuse ( 1 ) I wrote to the banks and to ChexSystems on XX/XX/XXXX to let them know that I had no recollection of owning or signing for these accounts. I received a letter from one of the banks stating that the account was valid but they did not send me proof of signature. I wrote them another letter on XX/XX/XXXX requesting that they send me proof of signature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: TD BANK US HOLDING COMPANY
State: FL
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 have contacted Nordstrom multiple times pertaining to this issue. I was advised that I was approved for the Nordstrom Visa but since I had to implement a Fraud Alert due to the most recent XXXX   breach. I had the great opportunity of speaking with someone in upper management in the corporate office and when speaking with a customer service representative and a manager I was advised that all Nordstrom card service needs to do is verify my identity. In doing so I sent front and back copy of a current Florida state drivers license current front and back copy of my Social Security card and a current utility bill showing my name on the bill as living at my current address and I have done this more than three times and in spite of doing so and complying with what they requested taking time out of my busy schedule. I sent them the documents requested well on XX/XX/2019 I have enclosed a letter that is basically the notice that Nordstrom card services to receive my complaint with the consumer financial protection bureau. When a consumer gives information such as their employer and in my case I am a XXXX I believe I have been discriminated against against the fair credit lending act there should be absolutely no discrimination based upon spiritual or religious affiliation or organization. That being on my application and through conversation I am being discriminated against by Nordstrom card service to receive the visa card that I shouldve received because Nordstrom card services received the documents clear as day in fact I believe in color that they requested. Since Nordstrom has merged with TD Bank they had been the worst and out of compliance of the fair lending act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Bmo harris bank is applying my payments to recocery fees instead of the principal balance. This is reflecting my payment as 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 explanation
Consumer complaint received 2019-02-10
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:
I went to the bank to get a business loan for my XXXX  and was not able to get approved. I was told where I can go and pull a copy of my report and I see other people accounts on my credit. Can you guys please remove these accounts so I can get the loan needed to get equipment. XXXX XXXX/XXXX  XXXX. XXXX  XXXX/XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX  , XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX. I have contacted the FTC and the police.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I went to cosign for my mom a car and was denied due to accounts on my credit that are not mine and dont know anything about. This is really a crazy because Im confused how this could happen. I thought maybe the dealership was just giving me a hard time so I went to my bank to apply for a personal loan because I knew they would be honest unlike some car dealerships. I was also denied there as well. I'm doing this on my own behalf and i contacted my ftc and police department. Please remove these items that are not mine. 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 and 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