BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There has been a lot of actions between bank of America and I They are the ones that brought to my attention of online activity being signed in at two different sides of the us I kept telling them after second time I had to go in to prove my identity that I could no longer make it in. I know who was doing it and they kept stealing my wallets and things so I couldn't go back to do anything.its not only crime my former employer committed violating me. I went through my accounts and noticed charges they made. Bank of America said law enforcement could contact their fraud department to pursue action. Law enforcement kept saying bank of America had to contact them and ignored my police reports. and meanwhile my former employer is getting away with fraud and it's on my record they closed my accounts and I owe them and now I cant open a bank account anywhere and did nothing wrong. 
Not to mention I havnt done any activity in that account and the account I had you can't go negative and can't get any information

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 2022-04-25
Company: Experian Information Solutions Inc.
State: TN
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:
The account below is parked on my consumer report illegally without my consent, or proper notification. It is unlawful to report an alleged debt to my consumer report. The credit reporting agencies are most definitely in violation of consumer laws.

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 2021-06-22
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:
There are 6 accounts 1 bankruptcy and many inquiries that are not mine I have not signed, used or know what these are!!! I have no idea how they are on my report or whos these are I need help the bureaus and the furnishersdont knwo what these are. 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry US DIST CT - Reference Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: EQUIFAX, INC.
State: MD
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:
In spite of my requesting an investigation into this account there are still multiple inaccuracies reporting on my account and it's keeping me from obtaining a mortgage as per my mortgage lenders investigation in to my credit worthiness. I wont be approved due to this inaccurate information on my credit report. Why won't you investigate and save me from this pain???? XXXX XXXX  XXXX  Equifax Acct # XXXX XXXX Date Last Active : Incorrect Date of Last Payment : Incorrect The name of the creditor is truncated and makes absolutely no sense. The account number is truncated so, I have no idea what the account number really is. The date of first delinquency is incorrect The payment history is extremely incorrect There was no notice of previous dispute There are so many things reporting incorrectly that there is no way that you could have done an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
disputed the late payments reported on XXXX XXXX. 
XXXX. Equifax never reversed them ... They did not even send me any proof as to why they will not correct it.. Please take care of this error and remove the late payment CFPB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In XX/XX/2021, someone use my old address from about 10 years ago to open a bank account with Chase Bank. Chase called me to verify some information and I alerted them that I had not opened an account with their bank. The bank advised me that I had to file a report to get the account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been cancelled on my home owners insurance, which under my conventional loan/policy I must have on my property. My Homeowners insurance is through XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, FL XXXX Telephone : XXXX ). The bill was supposed to have been paid on XX/XX/2020 in the amount of {$2500.00}, and the lender, US Bank Home Mortgage ( U.S. Bank Home Mortgage, XXXX. XXXX XXXX, XXXX, MN XXXX XXXX : XXXX XXXX, who handles the escrow, failed to pay. I have contacted them on multiple occasions, one date being XX/XX/2020 where they verbally told me via the phone that they had written a check # XXXX and that it was getting mailed via USPS tracking : XXXX, and that it was going to be over nighted. After following up with my home owners insurance XXXX XXXX XXXX XXXX one week later on XX/XX/XXXX, they still had not received it. I then followed up on XX/XX/XXXX with XXXX XXXX, and they stated they still did not have it. At this point I am baffled and feel stuck that there is nothing I can do. US Bank still continues to tell me that they sent the payment. At this point XXXX told me on XX/XX/XXXX that if they don't have it, it likely was not sent.

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 2023-06-28
Company: CHALLENGE FINANCIAL SERVICES
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
My SSN and wallet was stolen I reported it but nothing was done in being charged for cars and other things on my credit I'm unable to rent a house or purchase a car and open a bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, i received a letter from XXXX XXXX XXXX trying to collect a debt for a bank called XXXX credit card. On XX/XX/XXXX, i then sent a letter explaining that the debt had been paid in full according to my knowledge, i requested a debt validation of which they refused to respond instead on XX/XX/XXXX XXXX XXXX sent another letter demanding me to settle the debt without validation. The account was put on XXXX XXXX in XXXX of which the statue of limitation has expired in XXXX to collect a debt in California.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My Capital one card was used for purchases without my permission. The company will not remove the charges stating that a chip was used and that can not be forged. This however can not be true as my credit card was in my possession and was not used. I have no history of making purchases such as these. In fact Capital one denied some of the charges because it didn't match my purchase history. I have contacted Capital One and they will not help me. I would like these charges reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-20
Company: EQUIFAX, INC.
State: WV
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 have filed a dispute with Equifax regarding inquiries that I did not authorize nor have any knowledge of. I contacted the creditors shown on my report and they advise me to contact the bureaus to get it removed. I attempted this multiple times with the most recent attempt being on XXXX. My confirmation number was XXXX. The inquires I disputed were as followed : XXXX XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXXk on XXXX/XXXX/XXXX, XXXX XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. All of these inquires are made unauthorized. I have attempted to contact the creditors and get told to contact the bureau directly to have it removed. These inquires are holding me back from moving forward with my credit. I have filed as a victim of identity theft with the federal trade commission. I am attaching a copy of my credit report showing these inquires as well as my identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : CAVALRY PORTFOLIO SERV ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : PORTFOLIO XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
used a moving service, during our move from XXXX XXXX XXXX, and the carrier did not deliver the goods as promised, they charged 30 % on credit card and took rest in cash. 
it's been more than 10 months and no resolution from the movers and also credit card is not giving back funds and supporting the mover even after they did not deliver the services as promised. the services agreed is to deliver my goods from point a to point b and they did not deliver all the goods, so it's not honoring the contract and they need to refund my amount.

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 2021-06-22
Company: CREDIT ACCEPTANCE CORPORATION
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 status incorrect

Complaint:
In XXXX, XXXX and XXXX of 2019 I paid my car notes on time to Credit Acceptance Corporation. In spite of them giving me a payment plan, and I paid all my bills as discussed, I paid on time. I paid them lump sum in to catch all of my past due but they still reported me as having paid late and I was not.

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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Capital one 02/05/2023
Capital one 02/08/2023
Capital one 03/08/2023

SYNCB/Amazon 02/05/2023

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 2019-09-30
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
These student loans are not mine The home I was living at withbmy boyfriend in XXXX Tx.. I lived as we broke up.. I left my iD in his drawer beside his bed.. I was angry because he was cheating on me with a girl that has same name as me..my ex had the lady name XXXX so her name XXXX XXXX .. this girl was from XXXX  and they kept all my things and wouldnt give them back to me. This lady is the one that falsified school documents and stole my identity!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: EQUIFAX, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 4th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I have a card issued for my child support for over 5 years. There are always odd service charges they I dont understand and there is never an explanation on the statement. I have BOA download on my phone and the transactions never explain 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 2022-12-23
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The XXXX account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX Bank account- wrong opening date, wrong closing date, incorrect owner information, incorrect remarks based on who closed the account. 


furthermore there are inaccuracy in terms of my credit report middle initial being wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: WELLS FARGO & COMPANY
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am a co-signer on a Wells Fargo student loan for my daughter ( Loan # XXXX ). She missed several payments in XXXX. Wells Fargo failed to contact me as a co-responsible party and subsequently entered poor credit information on my credit report. Wells Fargo fails to update their systems so that notifications are timely and immediate corrective action be taken by the co-borrower. I was issued three Wells  Fargo complaint numbers ( # XXXX, # XXXX and # XXXX ), all failing to resolve the issue. I will attach evidence Wells Fargo changes information in their internal systems regarding contact information that I neither requested or agreed to - and they changed it to a wrong address - more than once. Yet, Wells Fargo have my correct email address but still fail to send me notifications as the co-borrower. I requested, due to their negligence, that Wells Fargo remove this erroneous reporting. They refuse to do so. I know I changed my contact information XX/XX/XXXX - they failed to update it in their system. 

Given issues with this loan, I paid the loan off in full on XXXX XXXX. I sat in front of loan officer XXXX XXXX at the Wells Fargo Bank on XXXX XXXX XXXX in XXXX NC. I told her my goal was to pay the loan off in full that day and to dispute late fees and credit reporting due to Wells Fargo 's lack of proper loan servicing. XXXX told me the payoff - minus the late fees, which they were waiving - was {$4700.00}. Indeed, they included {$230.00} in late fees ( documents attached ). They  subsequently refunded my daughter {$48.00} - they still owe me {$180.00} ; they refuse to refund this amount. 

I have tried and exhausted all my attempts to resolve this issue with Wells Fargo - they are impossible to work with. I request your help in getting both my credit rating restored back to it's near perfect rating - and the refund that is owed. 

Thank you

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 2023-06-06
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I ran my credit report and noticed I had a collections on my account. I looked further into how I got the collections and the collections is from national credit system from XXXX XXXX at XXXX XXXX. I have proof that I do not owe anything to XXXX XXXX  at XXXX XXXX. I paid in full the amount I owed to them. on XX/XX/23. I need this collections removed from my file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XX/XX/XXXX purchase a XXXX XXXX XXXX from XXXX XXXXThe loan was service by Santander Consumer USA. XX/XX/XXXX I was picking up the vehicle, and there was a problem... and I left the vehicle at the dealer. After contacting Sandtander I was told the dealer started the loan unwind but never complete it. I have contacted both Sandtander and the dealer several times and to date no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was have account in PNC bank and the bank close. My account was no reason and I was buy all my bill from this account and I got charged fee for all my bill because I am late for payment and all of this because the bank close my account and the bank doesnt see any reason for this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: JDJ Investments, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I C Systems Collection agency does not have the right to collect or report on my credit report as a debt owed. I have repeatedly requested XXXX, XXXX and XXXX to remove from my report per the FCRA section 609 immediatly. I have requested an original copy of the signed contract from I C Systems Collection and they have failed to do so. This item remains on my report and is hindering my ability to obtain credit. I demand this be removed from my credit report immediatly.

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