BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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 received a copy of my credit report and I noticed there were information on there I did not recognize. I reached out several time to the credit agencies asking for any documents bearing my signature. As of today I have not receive any documents bearing my signature. I would like your help in helping me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account : XXXX XXXX XXXX XXXXXXXX Balance : {$46000.00}

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 2020-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Here 's the history of my saga with Bank of America : XXXX  of XXXX - I don't have the exact date. 
I notified B of A credit card fraud department after seeing it in my credit report that I had a claim against me. I assumed it would get resolved much like it did with XXXX credit card with the same identity theft. Both credit cards were obtained using an old mailing address and not obtained by me. 

Early this year - I received a summons and complaint form Bank of America to appear dated XX/XX/XXXX. 

On XX/XX/XXXX after numerous attempts to get someone who understood my situation, I got hold of XXXX at the fraud dept. I explained that I never heard back about my claim until I received the summons. They provided me with a case ID number XXXX. 

On XX/XX/XXXX I finally received a letter from B of A requesting for back up materials. 

On XX/XX/XXXX I faxed all the requested documents. 

More documents were requested on a letter dated XX/XX/XXXX. I mailed those documents on XX/XX/XXXX through the US postal service. 

On XX/XX/XXXX I called and spoke with XXXX, since I still hadn't heard back. 
XXXX informed me that my case was closed and declined on XX/XX/XXXX. He kindly re-opened the case for me and asked that I fax over all the materials again. 

I received a letter dated on XX/XX/XXXX with another decline. 

On XX/XX/XXXX I made numerous calls to get connected to a supervisor. I was told by XXXX that I needed to prove that the money advanced from the credit card into a B of A checking account under my name, was not my account. XXXX said I would need to contact B of A to file a separate claim, which I did. 

I received a letter dated XX/XX/XXXX from B of A checking to send backup information to the claim. On XX/XX/XXXX information was mailed to B of A checking. 

I received a letter from B of A checking dated XX/XX/XXXX acknowledging that I wasn't the person responsible for opening the account and they would notify the credit bureau and internal departments to stop the collection effort and remove this stain form my credit history. 

On XX/XX/XXXX I spoke with XXXX XXXX at B of A credit card. He asked me to fax over the letter from B of A checking to XXXX XXXX at Bank of America Credit Crd. 

Dated XX/XX/XXXX I received a letter from B of A credit card being denied again.

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 2019-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
TranUnion and XXXX  are reporting an obsolete account that is closed and origination date of XX/XX/2005, XXXX XXXX, account no. XXXX. Both organizations have the authority to remove the old account that is too old to be on my credit report. I am asking for the removal of the fourteen year old account. I have tried to resolve the issue and baffled as to why the old account hasnt been deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: W&A Intermediate Co., LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX XXXX and I am a federally protected consumer, and I am making this complaint against Wakefield and Associates, for committing identity theft. I have never given Wakefield and Associates any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with Wakefield and Associates and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2023, I have not received any documentary evidence, such as a trilateral contract, giving Wakefield and Associates any right to collect on this alleged debt. 
I have never received any documentation requesting validation from Wakefield and Associates, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Wakefield and Associates can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this alleged debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Wakefield and Associates can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Wakefield and Associates continues its collection efforts, I will file for litigation for actual damages caused and Wakefield and Associates will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: FIRST REPUBLIC BANK
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
1. Applied for loan program for a personal loan on XX/XX/XXXX 2. Paperwork was submitted as requested by XX/XX/XXXX 3. Loan application was kept on hold for over a month 4. Loan application was denied indicating high debt to income using arbitrary non standard methods of calculating monthly payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: FIFTH THIRD FINANCIAL CORPORATION
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:
A recurring transfer was set up for Fifth-Third Bank to draw funds from a XXXX XXXX Account on a monthly basis. The transfer was cancelled and the Fifth-Third Account closed, yet the Fifth-Third Account continues to draw funds from the XXXX XXXX Account. THREE HOURS on the phone with BOTH banks has not resolved the problem. 

No one at FIFTH THIRD BANK seems to be able to resolve this issue since the " Account is closed. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-21
Company: EQUIFAX, INC.
State: TX
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:
Equifax and XXXX should not be reporting that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: Sequium Asset Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/XXXX, Sequim Asset Solutions added a collection account to my credit report naming the original creditor as XXXX XXXX XXXX XXXX and date as XX/XX/XXXX. The amount is {$80.00}. I contacted Sequium to tell them this is not my debt. I have not had XXXX XXXX XXXX since XXXX and they said this eminated from an account from XXXX of XXXX. They did not provide any written notification to me although they claim this debt is from XXXX XXXX XXXX XXXX and I am account holder. I have not had XXXX XXXX XXXX XXXX since XXXX. I do have their internet service and t.v. but that was obtained in XXXX of XXXX when we moved to XXXX NC. We also switched to XXXX XXXX XXXX XXXX in XXXX of XXXX but that is in my husband 's name. Sequium did not have my telephone number, address or email address. This account belongs to my daughter and they refuse to provide ANY proof that it is mine. I paid the {$80.00} because my daughter is a single parent and asked them to again remove from my credit reports and although they have NO PROOF THIS IS MY ACCOUNT, they still refuse to remove the account and stated it will be on there up to SEVEN years and they can't remove it although I have had this happen to me before on the collection agency involved promptly removed the item. I ask that Sequium either provide written proof this is my debt ( their failure to do so has stopped my right to dispute within the allotted 30 days ) or remove this immediately. My daughter is responsible for this debt and although they named me as the account holder, they had no information about me except my name. This is outrageous and must be rectified!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: Experian Information Solutions 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused 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 2019-06-04
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 was in XXXX XXXX XXXX the other day buying a handbag and one of the sales representatives persuaded me to sign up for a store card. It was crazy I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. Ive contacted the FTC and the police. Im doing this on my own behalf. 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 explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I did not initiate the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2021-07-16
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I've been unemployed since spring of XXXX because of the pandemic. I still have student loans from attending college in the late XXXX. Student loan borrowers were supposed to be given automatic deferral during the pandemic. 

Navient continued demanding payment as usual and unexpectedly withdrew my monthly payment in XX/XX/XXXX per autopay, causing me significant financial distress at the worst possible time. They later agreed to reverse the payment and put me in some kind of forbearance, but never clearly explained how long it would last or when I would have to start paying again. They claimed they weren't bound by rules made to help student loan borrowers during the pandemic. 

Navient suddenly began demanding payment again in XXXX of XXXX even though the pandemic was still raging and I was still unemployed. I found out about their demand when I was charged a late fee. I asked for additional relief because of the pandemic and they refused. My only options were 1 ) use up my few remaining months of regular forbearance and then begin making payments again somehow despite having hardly any income, or 2 ) pursue a consolidation loan so I could have additional forbearance opportunities, which they encouraged me to do. After some research I learned consolidating would cause me tremendous financial harm because, while my current loan 's remaining balance can be forgiven under XXXX after a couple more years of public service, consolidating would wipe out all my past payments qualifying for XXXX. 

Navient totally ignored their obligation to address the unprecedented hardship the pandemic caused student loan borrowers like me. They kept putting the squeeze on me demanding payment and charging late fees while my family faced some of the scariest times in our lives. Believe me we already had plenty to worry about! If I had less savings and family support Navient 's opprobrious behavior could easily have caused me to go hungry and/or lose my home. Navient also tried to steer me into wiping out my ability to soon qualify for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I may have fell behind with the payments but i also paid double the monthly payment on XX/XX/XXXX which i thought would cover XXXX and XXXX then also paid more than triple the payment on XX/XX/XXXX {$2100.00}. I thought that would cover XXXX and part of XXXX. XXXX was 30 days past due in XX/XX/XXXX, ( 30 days late ) and i made a payment XX/XX/XXXX of {$2100.00} which should have covered XXXX, XXXX, and XXXX  100 % and left over approx $ XXXX late fees towards XXXX XXXX payment. which would have not really have been late until XX/XX/XXXX and you received a payment before that due date ; however, i have 5 late payments reporting in the last 5 months not 2 at the most based on the payment details outlined above. Please see the attached letter. I'm humbly asking for help with this matter.

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 2019-06-04
Company: Experian Information Solutions 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 was in XXXX XXXX XXXX the other day buying a handbag and one of the sales representatives persuaded me to sign up for a store card. It was crazy I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. Ive contacted the FTC and the police. Im doing this on my own behalf. XXXX XXXX, XXXX XXXX, USDOE/XXXX, US DEPT ED, XXXX, USDOEXXXX, 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 2020-11-27
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 Days but no response yet. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach.

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 2023-01-25
Company: Radius Global Solutions LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Received notification of a negative mark on my credit report. Disputed with credit bureau as well as agency. After looking into this more, the collection agency purchased an old debt that was past the statute of limitations and had already been taken off my credit report. They filed this as a new debt which is a violation of the Fair Debt Collection Practices Act. Want this off my report immediately and the company should be fined.

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 2023-05-17
Company: SUN LOAN COMPANY INC.
State: TX
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:
Ive attempted to have this account disputed from all three major credit bureau 's. Ive never attempted to obtain any financing from Sun loan, nor have I ever applied for or received any type of loan through this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have several accounts on all three of my credit reports from XXXX XXXX XXXX XXXX XXXX that all show my accounts are managed by a debt management company and that agreement has been done and the accounts paid for 6 months or more and no matter if I dispute it or not and include the letter saying the management is over they will not be removed.

Company response to consumer: Closed with explanation