BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Check XX/XX/2018 XXXX {$200.00} XXXX XXXX XXXX XXXX Check XX/XX/2018 XXXX XXXX {$200.00} Bank of America Arizona Check XX/XX/2018 XXXX {$200.00} XXXX XXXX - California Check XX/XX/2018 XXXX {$200.00} XXXX XXXX - California Check XX/XX/2018 XXXX {$300.00} XXXX XXXX - California Check XX/XX/2018 XXXX XXXX {$300.00} Bank of America Arizona Check XX/XX/2018 XXXX XXXX {$200.00} Bank of America Arizona Check XX/XX/2018 XXXX XXXX {$200.00} Bank of America Arizona Check XX/XX/2018 XXXX XXXX {$100.00} Bank of America Arizona XXXX I had a roommates friend got a hold of my information while I went out of town for a couple of days. I left my apartment and my purse on accident and had printed check from XXXX in my room and she had use them to her advantage to withdraw money at an atm. I was unable to get the truth of whom did the transactions and I moved and i barley had enough income to finally pay off my debt. Currently I am unable to open any checking account because of the Flag of Fraud on my name. I did however go through Bank of america and paid off the balance and I worked with XXXX XXXX XXXX. The dispute file did change the status with XXXX but, not Bank of America. I would like to have this issue resolved.

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 2020-10-21
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
For the past 2 days I have attempted to unfreeze my credit report with Equifax. I have been able to temporarily unfreeze my account with XXXX and XXXX without any problem. My wife was able to temprarily unfreeze her account with all three agencies. I have attempted to unfreeze my account with Equifax online and by their telephone computer. In spite of entering all the asked for data I continue to get a recorded message that they are unable to process my request. I even had a loan officer from the financial institution help me with this process but to no avail. I am not able to speak to anyone at Equifax re this problem. 
I am asking for help to have Equifax call me so that I may proceed with my loan application. Their customer service has been nothing short of dreadful. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: SC
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:
Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE Balance of {$1.00}, XXXX. 

Account Name : XXXX XXXX  Account # XXXX PAST DUE BALANCE OF $ {$1100.00} ( Account in Collection/Charge off please delete ) Date open : XXXX is reporting XX/XX/XXXX. Experian  show XX/XX/XXXX, and XXXX show XX/XX/XXXX XXXX XXXX XXXX XXXX is reporting {$1100.00} and Experian show XXXX, and XXXX show {$1100.00} Lasted Reported : XXXX is reporting XX/XX/XXXX. Experian show XX/XX/XXXX and XXXX show XX/XX/XXXX Date of Last Active : XXXX show XX/XX/XXXX, Experian show XX/XX/XXXX and XXXX show XX/XX/XXXX Past dues balance, Date openXXXX XXXX XXXX  Lasted Reported, and Date of Last Active all show inaccurate on this account accordance to XXXX XXXX Guidelines it MUST be delete. 

This is a violation of the FCRA and is also in violation requisite XXXX 2Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the righto a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory item be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.

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 2020-09-19
Company: DISCOVER BANK
State: AR
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:
In XX/XX/2020 we were billed {$56.00} on our Discover card for a purchase of shoes from XXXX XXXX dba XXXX. It turns our	 this was a scam company advertising a warehouse sale of Keen shoes. 
We never received the shoes and disputed the transaction in XXXX. We were initially refunded ( credited ) by Discover and the dispute was decided in our favor in XXXX. 
Then, in XXXX, XXXX sent something to Discover and the charge was re-instated. I called Discover and we were re-credited. Discover could or would not tell me how many times or how long they would allow Amor/Osborder to continue re-charging our card. It appears that this could continue for years.

Please require Discover to stop accepting re-posts of settled  disputes from scam merchants such as XXXX XXXX. 

Of note, we have been Discover card members for 30 years with a solid history of business with legitimate merchants and on-time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2023-04-20
Company: Williams & Fudge, Inc
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Between XXXX I attended the University XXXX XXXX XXXX XXXX for an XXXX degree. After submitting all the requirements and getting the financial aid letter from their school department with the eligibility to pay for my classes, they declined and re-issued a new letter stating that I was unable to get any financial aid. All of this came after the withdrawal deadline which they obviously know and did it purposely. I am demanding to this institution fully stop any further form of debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account was deleted and Re-inserted onto my credit reports. I am including documentation to support my claim of violating my Re-Insertion rights per the FCRA. I was never notified in writing that this account would be re-Inserted. There will also be a document that was received from the Creditor when I asked for Validation and their refusal to investigate the account.

The Credit Reporting agencies are also refusing to Validate the accounts by providing me with a contract with my signature of said account. 

XX/XX/2019 Dispute sent to the Credit Bureaus disputing the account listed on my Credit report. 
XX/XX/2019 dispute results received and the accounts were removed. 

Since the accounts have been Re-inserted without explanation or Validation. 
Please Delete per FCRA 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 2020-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The credit bureau 's are reporting inaccurate information on my credit report. Im uploading a copy of my dispute letter to show you the inaccurate accounts on my report. This is illegal and effecting me negatively.

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 2023-06-30
Company: Experian Information Solutions Inc.
State: MD
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  MD XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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:
This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following US DEPT OF EDXXXX 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 explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me 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 non-monetary relief
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2018-04-08
Company: Creditor Advocates Inc
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I pulled a copy of my credit report at the end of XX/XX/2018. On my XXXX credit report was an account listed from Creditor Advocates that they purchased or were attempting to collect for XXXX XXXX XXXX. As I was not aware of any outstanding medical bills I did not believe that it was actually mine. I proceeded to send Creditor Advocates a letter, sent certified mail, requesting more information so I could look into the matter to see if I was correct and it was an error. As per the FDCPA I requested that they validate the debt within 30 days of their receipt of my letter. They updated the account on my credit report to " disputed '' but failed to send me anything to show the debt was mine and therefore denying my right to make sure the information is correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This account account was never late and paid in full when I sold my house. I have disputed this account several times and never get a valid response other then the account is verified that its mine and never get proof of showing i ever was late. That's because I was never late on this 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 non-monetary relief
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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/2023 ) 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 XXXX data breach and may have got into the hands of the wrong person.

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 2023-10-30
Company: AFNI INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit act, this creditor has violated my rights under 15 USC1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 states consumer reporting agency can not furnish account without my written instructions under 15 USC 1666B A creditor may not treat a late payment on my credit card account under and open and consumer credit, or as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I needed to transfer money from my HELOC at The Huntington Bank in XXXX, IL to my XXXX account. I required the money for a down payment on a property which was suppose to close XX/XX/XXXX. I went to XXXX on XXXX, XX/XX/XXXX to wire the money and was told the wire may not go out until XXXX. When I called on XXXX morning they were just sending over the wire. I spoke with XXXX XXXX who I had set up the wire transfer when I visited the bank. She sent over the wire confirmation via email. To date, the transfer is not showing up on my HELOC account, but did post to my XXXX account on XXXX, XX/XX/XXXX. XXXX can not tell me why my account is not reporting the correct balance nor when it will report the correct balance. My lender needed this new balance to show up in order to close on my new property. We spoke with the branch manager XXXX XXXX several times and he is doing nothing to help us. My husband spoke with him just before XXXX XXXX  XXXX on XX/XX/XXXX and XXXX XXXX told my husband he was leaving at XXXX XXXX   sharp and " our issue was not his problem. '' We are going to lose our new home and {$10000.00} of earnest money if we don't close in the next couple of days. Nobody at that branch wants to assist us. Something was not done correctly and they won't tell us why my balance is not reflecting correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-09
Company: DriveTime
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This account is paid up and no longer delinquent. The creditor is having a hard time providing updated payments and history. I reached out to them but to date they havent updated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Capital One is still charging me for a product that was not as advertised. I signed up to the website opricot.com which is a site that organizes options data. I was misled on the site thinking the information would be real time or updated often. Which is not the case here because the data randomly updates every few hours which makes it almost useless to trade with. I decided to keep trying it out to see maybe if they would update the information faster or if it was still usable but then I was unable to log into my account. I tired everything. I contact the site through the messaging system and checked for any updates. There is no contact information or phone number which should have been a red flag but I though that capital one would protect me. I filed the first dispute and received my {$45.00} credit but was reversed after XX/XX/XXXX claimed I was still logging in and left my account active. I was attempting to log in to remove my credit card details but the only way to do that is if you cancel your renewal at the end of the month. If you cancel the auto renewal you must close out the whole account. So you are forced to leave in your credit card details and keep auto renew enabled unless you permanently close your account which I did not want to do so I could collect evidence for my dispute. The site seems very suspicious and I have opened a ftc complain which I will attach.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: ACIMA CREDIT, LLC
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: Investigation took more than 30 days

Complaint:
Acima continues to furnish information on credit file. Company fail to comply to FCRA Guidelines. Account paid, company stated entire tradeline will be remove once satisfied. Company continues furnish information.

Company response to consumer: Closed with explanation