BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America around XXXX Bank of American closed my account due to some type of fraudulent activity they were suspicious of that I did not do to my account and was not aware of. Also funds were stolen from my account and when I was attempting to fix the whole situation they notified me they were in the process of closing my account. I had a total of around $ 400- {$500.00} in my account which was taken out and never recieved due to Bank of America accusing fraudulent activity which I had no idea why and never hardly used my account. I was trying to save my money not spend it.

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 2016-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My name is XXXX XXXX I want to file a complaint do to the fact someone has opened a credit card in my name and used up XXXX dollars in a XXXX XXXX card, and none of the companies want to give me the information that I found on XXXX to check my score. And found a card that I did not open, that someone else has opened in a XXXX XXXX credit card I would like to press charges against that person .I also would like all the information about what, were, how, and who, was this person so I can make a police report. And they will not give me the proper information to do what I need to do .so this person will get caught .I would like to know why I can not get all my information on the card that was opened in my name .and why XXXX XXXX will not give me my own information .that someone else used, they told me not to worry about to let it go, Please call me if any???? XXXX XXXX at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: STERLING JEWELERS, 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:
After repeatedly contacting the company regarding an error on their part Ive gotten nowhere. Their company placed my account in a bankruptcy status which resulted in me not being able to pay my bill or receive statements. I called and called and continuously tried to explain to them that the account was opened after my bankruptcy and traffic their had to be a discrepancy on their end. After receiving horrible customer service and being transferred multiple times they finally heard me out and opened a dispute. They saw that someone on their team dropped the ball by having my account closed and placed in that status. They apologized for the inconvenience and the mistake on their part but due to this i have suffered tremendously. They reported 60-90 day late payment to the credit bureaus and are refusing to fix that! My credit has dropped tremendously because of this. I had never reveived a statement and didnt know i had a bill until i called! Even after calling they couldnt accept a payment from me. Ive been trying to pay since XXXX! I want those derogatory remarks removed from my report along with all of the late payment fees! This is by far the WORST COMPANY IVE EVER DEALT WITH!!!!!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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: Reporting company used your report improperly

Complaint:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX, XXXX FL XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2020-09-11
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX a fraudulent inquiry was made on my behalf from XXXX XXXXXXXX the same incidents occurred on XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting a CFPB complaint to report an alarming incident of identity theft. Upon receiving my credit report, I was astounded to discover multiple accounts that I did not initiate or have any knowledge of. It is imperative that you take immediate action to remove these fraudulent accounts as per the FCRA Section 605b which mandates Credit Reporting Agencies to delete any information listed on an ID Theft Report. I have attached relevant documents to support the blocking of the erroneous information being posted on my report. Kindly provide prompt assistance in resolving this issue. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$8000.00} 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. Rest assured that I did not initiate or authorize anyone to open these accounts on my behalf. It is essential to note that FCRA Section 605B ( a ) clearly states that Credit Reporting Agencies must block any information in a consumer 's file identified as resulting from identity theft not later than four business days after receipt. I expect you to take immediate action to adhere to the FCRA regulations and promptly block the identified fraudulent information from my credit report.

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 2018-04-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent XXXX XXXX XXXX XXXX a letter on XX/XX/XXXX and XX/XX/XXXX asking them to VALIDATE this debt they claim I owe them or XXXX  XXXX. XXXX, XXXX only keeps sending me billing statements which is not sufficient VALIDATION that I owe them anything and they know that. These billing statements themselves could be fraudulent. If they are a collection company that works with XXXX XXXX or BUYS DEBT from XXXX XXXX then they should have the proper documentation from XXXX XXXX with my signature agreeing to pay XXXX XXXX and VALIDATING this is in fact my account and that I agreed to pay them this amount. There is also a letter XXXX, XXXX sent me but it says its from XXXX XXXX saying that XXXX, XXXX owns the account and that it is not an attempt of XXXX XXXX trying to collect a debt. I am going to need VALIDATION THAT I OWE XXXX, XXXX {$360.00} and {$400.00} if they can not produce these documents I demand them to remove it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, 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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been divorced XX/XX/XXXX from XXXX XXXX whose last 4 SSN is XXXX. 

As she was getting pre- qualified for the mortgage at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, these enquirers have equally affected my credit score. The credit checks she initiated were done from the months of XX/XX/XXXX through XX/XX/XXXX. 

These enquirers should be removed from my accounts with all XXXX credit bureaus and any line of credit that are registered to her SSN or or me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had 3 charges from company XXXX of XXXX charged to my citibank checking account in error on XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. I advised the company to take one bill of XXXX which I had in arrears and asked them to cancel the account. The company went on to charge me in XXXX, XXXX and XXXX. I contacted the bank to dispute the 3 charges at the same time. the bank then created 3 separate cases XXXX, XXXX, and XXXX. I received paperwork from the bank to fax documentation to the bank on fax number XXXX which i did on 4 different times. Using the reference number they gave me for all 3 cases R # XXXX I faxed a letter explaining what happened with all my required info and email conversations with me and the vendor advising them to only take 1 payment and cancel my subscription. The bank initially provided temporary credit for all three charges. A few weeks later the bank sent me documentation that they have no received any documents requested, I called in and spoke to a rep that gave me the XXXX number to fax the info again, which I again faxed. The credits were then reversed advising that documentation wasn't received and the cases was resolved in favor of the vendor. I called back and spoke to supervisor XXXX who advised me docs were received on XX/XX/XXXX but only applied to case XXXX, He also advised that fax # XXXX was not working and gave me fax XXXX which i then resent all the docs again and they were received. I need the bank to replace these charges back to my account i did not authorize them and I have provided documentation of my conversation with the merchant proving this.

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 monetary relief
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: NJ
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:
Ive seen an inaccuracy on my mortgage account it states that there is balloon payment which is not correct and not accurate there is no balloon payment. Please update the following account : XXXX XXXX XXXX XXXX XXXX  Please update status to : open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28
Company: Nationwide Recovery Systems, Ltd
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Nationwide Recovery Sys Is in violation FDCA by reporting collection for a debt that I was never notified of prior to dispute. 
I was never provided any information Further it is reporting inaccurate information as I have NEVER been to a XXXX XXXX XXXX The account reports I owe {$790.00} Opened XX/XX/2019 Original Creditor KXXXX XXXX XXXX XXXX XXXX I contacted the facility where the creditor is listed and they were unable to locate me or my name. 
My rights were violated please resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
On XX/XX/XXXX I was conditionally approved for a student loan through Navy Federal Credit Union. Upon receiving the approval I was asked to provide income verification for the loan that I applied for. I submitted a copy of my XXXX XXXX as proof of income as it was one of the options that I was given as proof of income. On XX/XX/XXXX they declined my documentation. They declined my documentation stating that it was beyond 60 days old and I needed to upload my pay stubs from the past 60 days. I submitted the documents they did request. On XX/XX/XXXX while reviewing my status of my loan online, I discovered that the documents that I submitted were also declined approval. I called and spoke with a representative on that date and they stated to me that they required a letter from my employer stating that I am still employed at my job. I obtained the letter from my employer and submitted it to the portal for them to review. XX/XX/XXXX I called Navy Federal again to review my loan application because I noticed that my letter was not approved. The customer service representative couldn't answer as to why it was not approved and said she would call back. I did not receive a call back. On XX/XX/XXXX I received an email from Navy Federal stating that my loan would be declined due to inactivity. I called Navy Federal on XX/XX/XXXX due to them not being open on the weekend. When I spoke to the customer service agent he stated that I needed to send my latest paystub due to XXXX of the prior paystubs being over 60 days out. I submitted the paystub and awaited approval. XX/XX/XXXX I noticed that the online portal stated that my latest paystub wasn't approved. I contacted customer service again on XX/XX/XXXX. When I spoke to the customer service representative they stated they needed my XXXX XXXX. Even after I was told my XXXX XXXX wasn't approved because it was 60 days out. On XX/XX/XXXX I received a call from a Navy Federal Credit Union Loan representative. The representative asked me was I on XXXX XXXX XXXX XXXX  I told her yes and that I just had XXXX. She asked me when I was returning to work and I explained that I would be back in 3 to 4 months. She then asked me to upload any documentation from my doctor to show how long I would be out and something from my employer to show I have enough accrued time until I return to work. On XX/XX/XXXX I received an email from Navy Federal denying my loan application due to " Current income does not meet the minimum loan guidelines ''. It is my belief that my loan was denied not because of minimum income requirements but because I am on XXXX  XXXX  from my employer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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 belongs to someone else

Complaint:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19
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:
Goodevening, According to the FCRA, i have a right to dispute inaccurate information and errors on my credit report. I have two UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT AND EQUIFAX HAS YET TO REMOVE THE UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT. Legally, unauthorized items and inaccurate information must be removed immeditately. I have contacted equifax numerous times to remove the information that i have NOT AUTHORIZED. I am reporting to CFPB because i demand to get these inquiries removed immediately. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 call TransUnion to help me and they refused to help me with some Inquiries that I did not give permission to run my credit. which give some Hard inquiries on my credit. 


1. XXXX XXXX - XX/XX/18 did not get my permission 2. XXXX XXXX XX/XX/18 did not get my permission. 

XXXX. XXXX XXXX XXXX XX/XX/18 did not get my permission. 


XXXX. XXXX XXXX XX/XX/18 did not get my permission

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 2023-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Remove 9 Hard Inquiries, remove this is not my credit card CAPITAL ONE Reported on XX/XX/XXXX, remove all Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE BANK XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX thank you for all your time and your help on removing these items off my credit report.

Company response to consumer: Closed with non-monetary relief