BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-23
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 status incorrect

Complaint:
I have submitted several complaint to Transunion. Transunion sent me a response that they deleted this change off on XXXX/XXXX/20. it still has not been removed from my credit file. As well as XXXX  & XXXX  are reporting this incorrectly. I submitted method of verification to credit reporting agncies and they do not provide explanation of verification

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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:
CAPITAL ONE BANK IS FALSELY REORTING 2 ACCOUNTS AS INCLUDED IN BANRUPTCY, WHERE IN FACT WAS REMOVED FROM DEBTORS LISTS ( CREDITORS FINAL NOTICE TO CREDITORS, BK CASE XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: Optimum Outcomes, 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:
I have made several attempts to rectify this matter with Optimum Outcomes. I have notified Optimum Outcomes account do not belong to me. This account was opened as a result of identity theft. I have asked them to send me proof of my signature and they have not. I need your assistance in getting this account removed from my credit file. This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Apparently I applied for credit through XXXX, an online store and ordered something. I don't even know what. There appears to have been a credit card issued only to use for the store. I saw on my credit report a company called XXXX XXXX reported I did not pay my bills. I've never received a bill. I have no clue what is going on. I've tried to call the phone number of this credit card company and they always hang up when I ask for proof of purchase. 

So finally out of sheer frustration I paid the bill just to get it off my credit report. But here is what I'm asking CFPB to do. Please find out how I can get a report of what this is about, when the order was placed, how I can clean up my credit report with this credit card company ( I had excellent credit )? Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I recently, requested copies of my credit files. From all three credit bureaus, XXXX, XXXX XXXX, and XXXX. Once received I reviewed all three reports and there were accounts on my that I had no knowledge. And several that were from collections agencies. So i was advised to file disputes of the accounts in attempts to get the inaccurate, and darogatory information deleted. After, a couple of disputes I got information from the major three credit bureaus. Stating that the information reported was reported by the collections agencies. Was correct, in my dispute I detailed that I needed detailed information. Such as my signature on original contract, loan numbers, year account was opened etc. None, of this information was provided on the information that was placed on such as accounts, amount owed on the accounts, and re-aged dates on accounts. I am needing help in the process of getting the accurate information concerning these accounts. I have also ben advised by all three credit bureaus they would not re-investigate any of my disputes. Unless, I could provide further information on the accounts. I don't have any further information accounts, not aware of accounts. I have requested information by sending a letter of validation of debt, original account signature of credit, original date when account was opened.To all three credit bureaus, notating that a copy of the letters would be sent alone with a complaint filed to the Consumer Financial Protection Bureaus. It is my intention to get down to bottom of these daragotory accounts and get them removed from my account..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Please be advise that Bank of America violate the dual tracking laws, after our home had been considered for a loan modification agreement, bank of America was wrongfully pushing us to foreclosure 's sales, also simultaneously transferred our mortgage/loan to XXXX XXXX XXXX and then to XXXXXXXX in order to eliminate their name from the problems and unlawful act.that ant. Please note that under above mortgage transaction, our home was sold back to to XXXX XXXX XXXX XXXX XXXX by XXXX foreclosure and trustee Sale # XXXX / property address at XXXX XXXX XXXX XXXX, CA XXXX. 
On XX/XX/XXXX, we had no choice and forced to move out from our only existing premises that we spent all of our retirement and life investment. Regarding to our communication result with CFPB dated XX/XX/XXXX, Bank of America is so big and strong with their strong law firm that usually homeowners such of us become homeless regardless of our right. We did not receive any remedy yet, at this elderly ages with a few on going XXXX XXXX under a doctor 's care. We lost our home because of unfair business dealings by the bank of America. 
My wife and I are carrying a lawsuit against Bank of America for above illegal mortgage practices of dual tracking, and Homeowner Bill of Right. 
Although we can no longer take our home back, but we are willing for a fair settlement offer by the bank of America to recover some of our losses. 
We would certainly appreciate the assistance of CFPB corresponding to above and look forward to hearing from 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 2023-05-07
Company: EQUIFAX, INC.
State: MI
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 cosigned for my son to purchase a vehicle XXXX years ago. Recently he has been behind on his payments because he relocated and was homeless for 4 months. As a result, he and his family lived in hotels while he worked during the day. I am currently in the process of turning in a lease vehicle and attempting to buy another vehicle for work of course. The company XXXX XXXX XXXX provided me as the cosigner on a car loan. XXXX  has reported the late payment on my credit report, lowering my credit from XXXX to XXXX, which is making it nearly impossible to me to purchase a vehicle. I received the notice of collections on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I just purchased a vehicle literally 2 days ago. XX/XX/2023 is when I walked into a local US Bank to extract my hard earned funds that I was saving for my vehicle purchase. I mean the vehicle only cost me XXXX I withdrew XXXX. Just in case. I also put insurance on my vehicle later after purchasing the vehicle, which I also used my US Bank account for to make that purchase. Then to avoid the service fee I XXXX  myself from my XXXX XXXX bank account money ( XXXX ) to be exact. When I later tried purchasing something for the vehicle that I needed - my card was declined- I used my mobile app to check it. I have money in there to cover everything- then I called the bank and they act as if I am a criminal- my XXXX XXXX account- they have no problems with me there and theyve never even saw my face- everything is done online- the bank is now stating its due to my address verification and they are the ones that sent me an email stating my address verification was successfully received and updated- mind you I opened the account 4 months ago- they are trying the gaslighting bit and all this silly misdirection XXXX  that sometimes they do- I just want my money- I have all evidence to prove this. Also I saw article where US Bank was sued by customers in the past for abuse of power. They stole XXXX from my account for something that I didnt even purchase- they are just stealing my money. Please help me with next steps. I dont recommend this bank to anyone, however, this incident wont detour me from opening up another account at a physical bank. Just because XXXX bank is playing games and committing fraud, doesnt mean that every other bank is the same.

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 2020-12-02
Company: Embassy Loans
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
XX/XX/2020, spoke first with XXXX then several other employees with this in mind I was a prior customer and had a few questions about this debt cancelation insurance??. And why my past contact was for 12 months then as the new one I was almost ready to sign notice 14 months?? When asked the store was really almost believable but this time as wasn't desperate for the loan being Covid-19 and the hardships every American has trying to scam one isn't going to be taken lightly ... .I have fully covered auto insurance they still added that extra debt cancelation fees cost of even making payments is needed attention by every one ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2019-03-23
Company: GREAT LAKES
State: WI
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:
Hello, I believe that I was victim to a fraudulent phone call regarding my student loans. I received a call from XXXX XXXX, stating there were some recent changes to my federal student loan that needed to be discussed. I was given reference number XXXX and asked to call back at XXXX, the originating call was in Kentucky XXXX. The prompting system I received sounded very legitimate and was like that I have encountered in the past when calling fafsa. However, I left a message and never got a call back. This took place on XX/XX/19. I know there have been scams like this in attempts to get a voice recording that can be used for fraudulent activity. At the time I was not thinking about it and I have had changes to my financial student loan repayment recently, so I was not suspecting anything. However, when I didn't get a call back I was thinking about it and remembered hearing about a similar scam. What can I do to help protect myself and my accounts moving forward? 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: MO
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 NUMEROUS 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 items 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 XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Dynamic Recovery Solutions, LLC
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, XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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 2017-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Background : I was sent a letter by Bank of America to update my personal information in XXXX XXXX. I did not respond to it. In XXXX XXXX BoA cancelled my XXXX card. 
I went to a BoA Center and inquired about my XXXX XXXX. I was told that there was some fraudulent activity on y account and Debit card was cancelled. While at the banking center I informed them that i have received a letter from BoA requesting additional information. 
I was told by BoA representative that all information on y account is current and he provided me with a temporary XXXX Card and BoA sent me a new XXXX card with in a week with no intimation about reason of XXXX card cancellation. 
On XXXX XXXX XXXX BoA froze my personal checking account, without any warning. I came to know about this fact when my credit cards payments started to bounce. 
I called BoA on XXXX and that was the first time I was put in-contact with BoA compliance department. I provided the required information and was told that my primary checking account will be unfrozen. 
I called back again on XXXX morning an was told by BoA compliance Supervisor that my Primary checking account is now open and I should continue with normal banking activities. In evening i tried to pay my XXXX Credit card and the payment bounced again. 
On XXXX XXXX back closed both of my credit cards, citing those as high risk accounts due to multiple returned payments. 
Impacts Bounced Mortgage Payment Bounced Car Payment Bounced XXXX XXXX XXXX XXXX Bank closed both my credit cards marking me high risk customer due to multiple returned payments Severe Impacts to my XXXX XXXX The above situation was caused by complete lack of communication between different departments of BoA. 
If my debit card was closed on an advice of Compliance department, the branch did not give me any indication of that fact, rather I was issued a new XXXX card. 
No communication was done to my before closing my XXXX card or XXXX account. 
BoA regularly uses Text messages and emails to communicate. In this case no out reach was done. 
Even after reaching BoA compliance department, I was provided wrong information by their supervisors. 
I was repeatedly told that various BoA employees did not provide me the right services, thus impacting my life in a very adverse manner.

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 2023-02-03
Company: EQUIFAX, INC.
State: MA
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 one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 explanation
Consumer complaint received 2020-11-24
Company: SYNCHRONY FINANCIAL
State: UT
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:
Jcpenny credit services dropped my credit limit from {$2700.00} to {$100.00} because of a {$4.00} balance that I was not aware of until it went past due. This drastically negatively effected my credit score. I recently received notice from them saying my request to increase my credit was denied because I dont have real estate loan and some other negative comments. They said my credit was pulled on XX/XX/XXXX- WE ARE IN XX/XX/XXXX- and they show my credit score is XXXX - which it is NOT! First- I did not apply for increase. XXXX report they used is 1 1/2 years old, I DO have a real estate loan on my report and lastly- my credit score is much higher than 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 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my Second 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 alleged fraud or extortion. 
XXXX XXXX Balance : {$3600.00} ; XXXX XXXX Balance : {$0.00} ; 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 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 2023-01-27
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX Balance : {$6300.00} ; XXXX  XXXX XXXX Balance : {$460.00} ; XXXX  XXXX Balance : {$6200.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/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