BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-19
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
BBVA has not released my security deposit {$1100.00} within the 21 business days as promised. My secured credit card was closed on XX/XX/2020 and 21 business days later is XX/XX/2020. The credit card account has a XXXX balance and all funds have been cleared. They will not provide a date therefore they are in reasonably holding my money past the agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: EQUIFAX, INC.
State: UT
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:
I am writing this due to non-compliance with the XXXX Credit Reporting Agency, Equifax XXXX XXXX XXXX, and XXXX Credit Reporting Agency. 

They have failed to remove information that was affiliated with personal details that was challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 24th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Experian Information Solutions 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:
Dear XXXX, In response to my complaint XXXX you have advised me that " We have reviewed and considered the information you have supplied through the CFPB and directly to Experian. In your complaint, you state that you have sent letters asking to have incorrect information removed. You request Experian have it removed from your report, but you did not mention which items you are referring to. We were unable to process your complaint based on the limited amount of information regarding your dispute. '' The following are the accounts that should be deleted asap : 1. XXXX XXXX Account XXXX XXXX. XXXX XXXX Account XXXX A copy of my complaint to FTC is attached.

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 2022-02-08
Company: EQUIFAX, INC.
State: GA
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:
we paid the deposit with a money order when they delivered washer n dryer. we also paid the following 5 months of payments. they r stating lies. they have fraugitly reported this infoo to XXXXXXXX equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
XXXX and XXXX are reporting XXXX XXXX XXXX ( XXXX ) XXXX XXXX  and Experian is not reporting information on Credit Report. Missing Information. XX/XX/2020

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 2023-08-01
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity thief. I have 2 accounts that were open XX/XX/XXXX. I have taken numerous of steps to try to revolve this matter with BMO but I have yet to resolve this issue. I am a victim of my data being breached and the company that let my data be compensated has paid for a restoration service through XXXX. The restoration company representative his name is XXXX XXXX, he and I was been trying for over 3 hours today XX/XX/XXXX to get the process of BMO when there is an Identity thief case. We were on hold for 2 hours, we asked for supervisors and were disconnected numerous of times, we asked to be transferred to the fraud department and was disconnected numerous of times, and even after all of that we still have not received the protocol or the procedure to handle a victim of identity thief case that I am experiencing. There is no reason why this should be the experience of a consumer that is a victim of identity thief. With me being a victim of identity thief I should not have to get the run around to get Information to remove these BMO accounts removed from my report. BMO should not be able to not provide the information needed or should the be able to hang up the phone or not provide a representative or supervisor that can provide the procedure for this issue.

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 2022-02-08
Company: Experian Information Solutions Inc.
State: SC
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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2021-03-11
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company sent out letter to setlle XXXX for XXXX. They said they would stop collection efforts etc. i paid the amount. Yet they are still attempting to volkect by saying that i have a balance of over 3k. I was told once the settlement was collected it would reflect a XXXX balance. They lied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Bread Financial Holdings, Inc.
State: PA
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 have on several occasions reached out to ask this company to verify a debt, they claim belongs to me as me and my son have the same name. He is a junior and I am senior. Thye continue to say its verified and I ask for something to prove this. I have yet to receive anything from them. Please send something verifying that this account belongs to me or remove it from all my credit reports. 
Please do not continue to ignore this request. I dont want something on my credit report that doesnt belong to meet and continues to hurt my credit. 

Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
I am writing this due to non-compliance with the XXXX Credit Reporting Agency, XXXX  Credit Reporting Agency, and TransUnion Credit Reporting Agency. 

They have failed to remove information that was affiliated with personal details that was challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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: Experian Information Solutions Inc.
State: NY
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 ACCOUNT IS LISTED AS 30 DAYS LATE WHEN I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT HAS AFFECTED MY CREDIT IN A BAD WAY

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 2022-02-08
Company: EQUIFAX, INC.
State: SC
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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Requested original alleged contract with original alleged signature on the contract for the alleged item. Received a photo copy of a contract with no signature of mine. Please remove the item from my credit report for failure to prove the alleged item. No Debt Verification has been received. No original contract with signature has been produced. According to the FCRA Act incorrect items must be removed. Will report false collection attempts to the CA State Attorney 's Office.

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: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LOAN ME CLAIMED A LOAN WAS TAKEN OUT ONLINE IN XXXX XXXX NAME WHICH I'VE FILED A POLICE REPORT AND FTC COMPLIANT REGARDING THIS ACCOUNT. I HAVE EMAILED THE DOCUMENTS REQUESTED TO XXXX FIELDS OF LOAN ME AND XXXX WHO IS REPORTING THIS FRAUDULENT ACCOUNT ON MY CREDIT REPORT. I WOULD NEVER AGREE TO SUCH TERMS OF ANY TYPE OF LOAN LIKE THIS. THIS IS A SCAM.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX, XXXX, I canceled my auto and home owners insurance policy with USAA. At the time we also canceled the auto draft associated with our insurance account. The auto draft came from our Checking account which is also with USAA. On XXXX XXXX, XXXX, without our permission, XXXX XXXX charged our account via auto draft, over {$400.00} for funds due on the canceled account. This resulted in an overdraft on our account. 
I contacted the XXXX XXXX department who referred me to the USAA Checking services. When I contacted USAA checking services to file a complaint, I was told there was nothing they could do since it was USAA Insurance that took the money. Apparently at USAA if something illegal is done between divisions, they have no interest in addressing them. 
My wife and I did not authorize this charge or release of funds. USAA has illegally accessed our checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: IN
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 contacted Equifax XX/XX/2023 regarding medical collection in the amount of {$100.00}. I told them by law medical bills under {$500.00} are suppose to be deleted. 
They refuse to delete it. 
This is a medical bill that went into XXXX XXXX collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XXXX XXXX, 2022 I made a call to Nelnet regarding a received email that payment was needed on a Income Driven Repayment Plan. I spoke to a Nelnet rep. trainer, XXXX, on XXXX as I did not receive email with new IDRP request regarding loans. XXXX sent over via email with IDRP document request to update my account and information. 

I executed document and try to upload documents to Nelnet 's dashboard in my account. I was able to enter ID and password. I then went to the documents and upload documents drop-down box. I accessed my documents from my computer their " File to Upload '' chosen. I chose from " Document Type '' " IDRP Request '' An error message repeatedly came up blocking my ability to upload requested documents. 

I called Nelnet and spoke to XXXX representative. She could not assist me in the inability to upload detrimental documents that are being request and I willing to give. I told her that devices had been remotely accessed prior and I had to contact FBI. She stated that my web browser was blocking me from uploading docs. I then informed her the XXXX app uploading was downloaded from FBI site. She then informed me that was the problem and to go to a different browser and access a different site. I then informed her that I had no problems with XXXX and if I could speak to her manager or XXXX. She refused. I told her if she could not fix my problem, my honest effort was to report to CFPB. 
XXXX XXXX ( aka. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

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 2023-10-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.

I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES. SOMEONE HAS USED MY IDENTITY TO ENGAGE IN THE FOLLOWING TYPES OF FRAUDULENT TRANSACTIONS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
This is in response to : COMPLAINT ID : XXXX I reached out to Bank of America regarding this complaint ( case # XXXX ) and they provided me with a confirmation they received from the alleged beneficiary bank confirming the funds have been received. I have attached the confirmation to this email. Upon opening the pdf, the beneficiary bank the funds were sent to is incorrect. The funds were indeed sent to the wrong bank per the pdf attached. I have attached my original instructions. The bank or its intermediary have sent the funds to the wrong bank and now the incorrect beneficiary is not responding to their recall request. I am now stuck because someone made a clerical error. I was hoping someone can help me bc bank of america is giving the runaround. I put the right information into my transfer and yet the Bank or its intermediary made a mistake on their end. It's not me, the client, who made the mistake but someone on their end either the bank or it's intermediary. The confirmation they have provided me with prove that the Receiver Institution on the PDF is : XXXX XXXX  XXXX XXXX with XXXX XXXX ; The BANK I instructed Bank of America to send the funds to is XXXX with XXXX XXXX ( XXXX ). Two differents institutions. I really need some help because I am still waiting 7 months later for incorrect info and the Bank of America is giving me the lip service treatment.

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 2022-10-23
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have Sent my first letter on XX/XX/2022 to Experian to investigate the following accounts as I dont believe the information to be accurate. 
Please remove the following inaccurate address from my credit report 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 Please verify this account. 

I did not receive anything back that they investigated this. 

I since then sent a demand to comply letter. 

Also with no reply. They are not complying with regulations based on my request for an investigation.

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 2022-02-08
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2018-04-06
Company: CITIBANK, N.A.
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:
XXXX XXXX XXXX Citibank I have reached out to these companies, my credit report says I have open delinquent accounts with them. They are saying they have no record of any open accounts under my name.

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 2018-09-04
Company: WELLS FARGO & COMPANY
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I was called by XXXX XXXX and they left a weird voice message. I called back asking questions. They stated that I was delinquent on an account. They stated that it was a XXXX account. I informed them that I opened that account 10 years ago and that I don't owe anything.I asked, why isn't the company contacting me? They stated if I would go into the Wells Fargo bank, that they could pull up all of my information. I also asked, '' Why isn't this on my credit? '' They stated because it goes through a checks and balance system. I told them it doesn't make sense. They then stated that if I would have paid my debt, I wouldn't have this problem. I stated that I haven't received anything in the mail. They tried to identify my address. They have called my job asking if they could process serve me. They have also called my aunt and my uncle harassing them. When I asked about this they stated that they are trying to contact me to serve me. This is not making any sense to me whatsoever. This is harassment and I want it stop.

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