BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Back in XX/XX/2012 my account with Bank of America and over the next two and a half or six individuals turn that over {$34000.00} and we're in my account paying the bills and taking them and their statements statements what's some address in XXXX XXXX I've never been to but I was in XXXX now time with all this going on I know when I can I filed one complaint and they said that they were list 8 release about a year but they won't release any cancel checks and all those checks are XXXX 's and don't have my signal and I'm suing them and I need the rest of the information they know they're holding back information the last year-and-a-half ago did XXXX said I got a deposit or anyting else and so I don't want to make them sure that they give me all the information of my hair it is 8 years later and I don't have all the info whenever my account now I don't understand and then they lied and said they didn't have it and it came up with it XXXX if we were at the XXXX XXXX Police department is investigating this and I've got a lawyer while I'm suing them when they're trying to settle out of court but I need that information cuz I've got to sue the other little to get my money I don't I can't be any clearer 8 years and it still won't give me the rest of the Bank of America

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 2018-07-28
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Complaint about Accounts With a Negative Pay Status I never had the XXXX service and wanted to dispute it called collections SW Credit Systems to have it removed. 
I came to the terms with them that if I pay this debt they will erase it off my credit. I never purchased the service and never had an account with XXXX. I assume this would be the easiest way to solve the problem as I was told by SW Credit Systems. 
I paid the balance and SW marked the debt as paid and left me with a Negative pay status. Instead of what the representative promised to remove it completely. 

Company complaint about of a fraudulent XXXX bill. 
South West Reference Number # XXXX XXXX credit systems XXXX XXXX XXXX XXXX TX XXXX People involved XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Accounts With a Negative Pay Status LENDERTYPEBALANCE Southwest Credit Sys ... 
CollectionsCOLLECTION/CHARGEOFFOther {$0.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Paid Amount Past Due Not Reported Account Details Bureau Name SW CRDT SYS Original Lender XXXX XXXX Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$120.00} Date Account Opened XX/XX/XXXX Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX Remarks Paid collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Supposedly I owe the amount of {$310.00} dollars to collection agency XXXX XXXX XXXX XXXX. At around the time in question I was still out of it, and was on some XXXX medications from my second XXXX. I had in home care, and am still XXXX from my XXXX XXXX. I would love to see the paperwork or some kind of proof that it 's mine, I could n't even have signed anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I asked for it out of my statement from when I got out of XXXX  on XX/XX/XXXX until XXXX the back-to-back they didn't really give me what I asked for but when I look down there it was very important very very apparent that there were two cars and I know I know that there was a woman on the inside had all the information to make sure and I'm pretty sure I know who who was out spending and one day she took {$780.00} out of my account and I wanted it shut down and they won't shut it down because I got a negative about any shows everywhere that she's so there's no place there's no way I can shop both places at the same time as activity 1 part of town and she as soon as this woman is still working and then I brought your attention and they said you can't cuz you got a negative violent the next track CC I want that count down right now and I want her arrested and she she's got it don't know who exactly who did it and she spent {$500.00} out of my account people that work down in the bank the one that helped me see how she made a card she had several cars on a repaired when you see the thing there it's apparent

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 2019-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
Let me point out the inaccuracies. These dates should be matching and also the payment remarks are not consistent with the reporting bureaus. Please help me out on this. 

XXXX XXXX Last Verified : XX/XX/2019 -- Last Payment : XX/XX/2019 XX/XX/2019 Last Payment : XX/XX/2019 XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: NAVY FEDERAL CREDIT UNION
State: CA
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 dispute for an unauthorized charge to my debit card, the charge was made on XXXX for 100.00, I contacted XXXX and was told that they will no reverse the charge, I contact Navy Federal credit union and filed a dispute. I receive a notice on or about XX/XX/2019 stating that their investigation was completed and the temporary credit was charges back to my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: DISCOVER BANK
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My mother open a credit card account in my name using my social security number the account was opened up in XXXX an it says I owe them XXXX dollars but I never applied for this card before an it destroyed my credit I need it removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
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: Public record information inaccurate

Complaint:
Equifax has obtained inaccurate information from a third party vendor called XXXX. The information that XXXX sold to Equifax was totally incorrect. XXXX realized their mistake and deleted this information. I have sent Equifax a certified letter asking them to remove these dismissed Bankruptcies because XXXX has determined that the information they obtained was wrong. I have yet to hear from Equifax. Enclosed is the proof of my letter, proof that XXXX removed the incorrect information and proof that XXXX is in fact the third party vendor that supplied this false information to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX  XXXX XXXX dont have a active collection account XXXX was put under my experian credit where XXXX XXXX XXXX filed a comolaint against XXXX  XXXX stole social security number and open a cell phone account under XXXX XXXX XXXX and XXXX XXXX XXXX  then charged XXXX XXXX XXXXXXXX XXXX XXXX debt collection to my account

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 2020-02-25
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX XXXX I received a collection bill from IC systems in relation to a debt I then called and set up payment arrangements due to the balance being owed per my divorce decree by my ex wife I was told to pay it on XXXX XXXX. I told them I get paid the XXXX and I would pay when she paid. I am XXXX XXXX military and told them that. I explained it would get handled they promised as long as I payed it wouldnt affect my credit. I paid on XX/XX/XXXX as promised. Shortly after my current spouse and I went to finance a home and IC systems not only took payment the refused to follow through with deletion of account. My wife called and spoke with a supervisor who stated they listen to the call and told us they had an arrangement with cox cable to not delete when ask for documentation the supervisor refused to provide said policy and asked if we had an attorney. After we insisted on this being rectified we were told to contact an attorney because the supervisor stated that had no black and white written document stating said policy and the conversation was over and hung up. I want this deleted from my report I satisfied the debt in the time that was agreed to and all calls are recorded there, they need to rectify this immediately.

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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XX/XX/2023 - I called TransUnuon, XXXX, and XXXX to have old address that were undeliverable removed and theyre still on there.

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 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THIS BANKRUPTCY COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy Reference 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 2018-07-20
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 information incorrect

Complaint:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TD BANK US HOLDING COMPANY
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 information incorrect

Complaint:
TD/BANK USA/ TARGET CREDIT ON XX/XX/2019 THERE WAS A 30 LATE ADDED TO MY ACCOUNT AND NOW THE LAST TWO YEARS IT IS NOW SHOWING 60 DAYS LATE. HOW CAN AN ACCOUNT BE 30 DAY IN ONE YEAR THEN CHANGE TWO YEARS LATER. I HAVE CONTACTED THE COMPANY AND THEY KEEP SAYING THE 30 DAYS IS CORRECT BUT IT IS SHOWING 60 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: U.S. BANCORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
This was back before I XXXX to XXXX I wanted to cancel my loan contract and returned the vehicle but the car store and us bank refused to buy back the vehicle which is a violation of the SCRA rights ... us bank told me I wasnt allowed to do that before XXXX and I didnt have much time so I just kept the vehicle in my possession even when I gave them a copy of my orders ... I totally forgot about this situation but I did told them about my XXXX and they swept it under the rug ... its real sad they will do a XXXX XXXX and most of all a XXXX veteran like that

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 2019-03-04
Company: EQUIFAX, INC.
State: IL
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:
Equifax and XXXX are reporting me 120 days past due on XXXX, partial account number XXXX that has a {$0.00} balance and {$0.00} past due. This is harming my credit score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: U.S. Auto Sales Inc.
State: GA
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 noticed this inquiry from XXXX XXXX XXXX Automobile. This inquiry was placed on my XXXX report on XX/XX/2019 by this company. I do not have an account with this company and contacted them regarding this matter, in which there was no response. This inquiry is not on any other report only XXXX. I request that this matter be addressed and for the company to provide an inked statement of where and when this happened. I did not sign any documents with this company nor do I have an account with them. Companies like these make it a nightmare for consumers. This inquiry need to be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XXXX I was informed my information had been compromised due to a large security breach of a credit monitoring company. It was recommended by the company that I freeze my credit for safety, which I did. Fast forward to XXXX, I am trying to temporarily unfreeze my credit to purchase a home. Two of the three major credit companies have let me temporarily unfreeze my credit to support the mortgage process, Experian will not. The information Experian has in my account has not been updated since XXXX. Since that time I have moved and gotten married. As a result, the website could not verify who I am, even though I am giving them correct information, but their systems has me stuck in XXXX. My account has been locked and the only solution they provide is to send hard copy of sensitive information to a PO box in another state. I followed their steps to try and clear-up the issue, and now it has been 30 days, and still no response or resolution. My mailed information was delivered to Experian on XX/XX/XXXX. It is XX/XX/XXXX, and they have still not contacted me or unfrozen my account. Experian has hijacked my credit and my account. Their lack of action is impacting my ability to get a mortgage and may impact me buying a home. I am very upset with Experian. Their lack of updated information and their lack of communication is causing me and my family lots of anxiety and stress, in an already very stressful time. I don't know how to move forward, I have followed Experian 's steps and gotten to a dead end.

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 2020-05-20
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: Account status incorrect

Complaint:
I opened an auto loan in XX/XX/XXXX with XXXX XXXX XXXX. I have always paid it on time, yet XXXX XXXX XXXX reported to all 3 credit bureaus that I paid late in XXXX and XXXX of XXXX. 

I have a copy of my ACH automatic payment form that was submitted to XXXX XXXX XXXX on XX/XX/XXXX, via the email address they gave me. 

During several phone calls, I have confirmed that the form was indeed received. 

However, XXXX  XXXX XXXX has continued to fail to withdraw the agreed upon payment via the ACH, and instead marked my account as paying late. 

When I received the late notices, each time I called and spoke to bewildered customer service reps who had me make payment over the phone, and told me they were sorry that they didn't withdraw via ACH as agreed. They told me to dispute the inaccurate late payments through the credit bureaus. 

So I disputed the false late payments as instructed, at all 3 major credit bureaus. 

And to my surprise, each late payment dispute came back as verified by XXXX  XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened an auto loan in XX/XX/XXXX with XXXX  XXXX XXXX. I have always paid it on time, yet XXXX  XXXX XXXX reported to all 3 credit bureaus that I paid late in XXXX and XXXX of XXXX. 

I have a copy of my ACH automatic payment form that was submitted to XXXX XXXX XXXX on XX/XX/XXXX, via the email address they gave me. 

During several phone calls, I have confirmed that the form was indeed received. 

However, XXXX  XXXX XXXX has continued to fail to withdraw the agreed upon payment via the ACH, and instead marked my account as paying late. 

When I received the late notices, each time I called and spoke to bewildered customer service reps who had me make payment over the phone, and told me they were sorry that they didn't withdraw via ACH as agreed. They told me to dispute the inaccurate late payments through the credit bureaus. 

So I disputed the false late payments as instructed, at all 3 major credit bureaus. 

And to my surprise, each late payment dispute came back as verified by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Io, Inc.
State: PA
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:
Receivables Management Systems is damaging my credit by illegally reporting collections on a medical debt of less than {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: AZ
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 AUTHORIZE THIS INQUIRY AND NEEDS TO BE REMOVED FROM MY ACCOUNTS. 

XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation