BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-10
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:
I was received an emailed about my information being in the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX : XXXX... 
XXXX XXXX XXXX 
XXXX XXXX : XXXX... 
XXXX XXXX : XXXX... 
XXXX CARD : XXXX... 
XXXX XXXX BANK : XXXX... 
XXXX XXXX XXXX XXXX XXXX 

I have attached a copy of my ID for identity verification and a bill for address verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: GA
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: Other problem getting your report or credit score

Complaint:
Contacted Experian about their Experian Boost service that is not working and is also not updating credit scores with the bills from my account that are paid on time to boost my score. XXXX XXXX XXXX XXXX internet, cell, power bill, video streaming service and XXXX are not being properly accounted for ... but the water and gas bills are. When questioned about why this was happening and what was taking so long to repair the issue the supervisor told me, " the XXXX  department here at Experian refuses to fix the issue and there's nothing that I can do for you ''. I asked if there was someone in the XXXX department that I could speak with he stated that the do not talk to customers.

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 2023-01-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CITIZENS BANK is alleging that I owe a debt of {$570.00}XXXX XXXX  I served a letter on CITIZENS BANK through USPS certified mail on XX/XX/2023, Tracking Number XXXX. In my letter I requested CITIZENS BANK to validate this alleged debt under 15 USC 1692g ( a ) and 15 USC 1692g ( b ). CITIZENS BANK has ignored my request and is now threatening to close my account and report false information on to my consumer report. I have provided copies of CITIZENS BANK correspondences as well as my letter/documents that was received by CITIZENS BANK with this complaint, see the attachments for review. CFPB please help me in resolving this issue, because CITIZENS BANK is ignoring my requests and correspondence. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to you regarding discrepancies I have found on my credit report. 

Account : XXXX XXXX Account # XXXX Why is this account being reported with 2 different dates of last activity?

15 USC 1692 g validation of debt This account is written off as a charge off. This account is ran as a charge off and I have not received a 1099c cancellation of debt form. This account is inaccurate and is being reported on my credit report. 
I do not recognize how this account is reporting on my credit report. I do not recognize the account number. I do not recognize the account high balance and nor do I recognize the late payment associated with it everything reported here does not meet the FCRA. The negative item does not meet the FCRA reporting requirements. I do not understand why this item is being reported when I did not give written consent to share my information. 
This agency is in violation of 15 USC 1692g. they were also to notify me in writing 5 days prior, I was not notified.

Company response to consumer: In progress
Consumer complaint received 2023-04-04
Company: Experian Information Solutions 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:
Account # : XXXX Account Name : XXXX XXXX XXXX XXXX  Balance : {$5100.00} Original Creditor : XXXX XXXX XXXX XXXX have contacted both Experian, as well as XXXX XXXX XXXX regarding this account. The high balance is inconsistent with the other credit bureaus. The close date is incorrect. Last payment is also incorrect and inconsistent with the other credit bureaus. 
XX/XX/XXXX XX/XX/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 2023-03-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-13
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I fell victim to fraud in XXXX of 2022 I got an email from what I thought was a trusted bank email, asking me to resolve an overdraft fee. I gave them access to my account after a series of emails and they asked for my address and date of birth Once I gave them that I was no longer able to get in contact with them. So I was expecting to see the overdraft fee waived, but after about 3 days my account was locked and I received an email from the actual bank saying that they discovered some fraudulent activity from my account. I brushed it off because I haven't used the account since I overdrafted the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: NJ
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:
Due to the suspicion of someone else probably using my SSN I am disputing unrecognized, unauthorized or inquiries that I do not remember applying for. 
Disputes ; XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date : 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 2023-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX XXXX XXXX To my elected official, I am a small business owner and I have been taken advantage of by Bank of America. I need your assistance in this matter. 

I opened up a business checking account with Bank of America on XX/XX/2022. I opened up the account online and I deposited {$100.00} into a business checking and {$100.00} in a business savings account. On XX/XX/XXXX I got an email from Bank of America saying that my accounts are approved and the email included the last 6 digits of my new account numbers. I opened up my online profile with the Bank of America app on XX/XX/XXXX. On XX/XX/XXXX I got an email from Bank of America saying that my business debit card will be sent to my business Address. On XX/XX/XXXX Bank of America closed my account and did not refund my money that I put into that account. I went into the branch and I opened up a new businesses checking account and I had to deposit some more funds into that company to fund my new account. I was told by the banker in the branch that they could not refund my money at the branch but I would be contacted by the Bank of America headquarters and will be issued a cashiers check within 7 business days for the money I deposited to open up the initial online accounts on XX/XX/XXXX. I waited XXXX weeks and I did not get the cashiers check from Bank of America. I was told by the headquarters that my cashiers check was mailed on XX/XX/XXXX to my address. It has been over 2 months I still do not have my money that was owed to me. I spoke to a Bank of America supervisor on XX/XX/XXXX and he told me to reach out to the bank that I used to fund the account on XX/XX/XXXX to file a claim. I filed a claim with that bank and was not given a credit. My bank said Bank of America never responded to its investigation and I can not get my money back. This is unacceptable. I need to be refunded my {$200.00} and compensated for my time and interest for this company holding my funds for over 60 days and not providing me with the service that I paid for. 

Thanks

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: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with an authorized user account I am not responsible for that I would like to have deleted and the unauthorized fraudulent inquiries deleted as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: IN
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 recently reviewed my credit report and noticed that the account I had with XXXX XXXX XXXX loan is marked incorrectly and with Negative charge off! I paid off this loan entirely! 

I submitted my dispute letters to all the credit bureaus and XXXX XXXX ( see enclosed ) and they clearly violated my rights as a consumer. I paid this loan off since XX/XX/2021. 

This has caused defamation to my creditworthiness, credit standing, credit capacity, XXXX  XXXX was required to notify me no later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation. 

I requested the statement of accounting so they can prove i still owe them because i have my proof of payment. This charge off is inaccurate and needs to be removed immediately and marked as PAID IN FULL!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed this month on my credit report that there was a XXXX credit card open towards the end of XXXX and that there has been a balance due every month. I dont shop at Macys and have not open a XXXX  card ever. Its negatively affecting my credit score. I have reported with Macys directly, they instructed me to also report here

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 2023-07-11
Company: CITIBANK, N.A.
State: IA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a savings account with Citibank in response to a marketing promotion promising a {$450.00} payment for maintaining {$50000.00} or more for 60-days. I opened the account and deposited {$70000.00} on XX/XX/2023. I maintained the {$70000.00}, but it was not until the XX/XX/2023 statement that the {$450.00} was paid ( 90-days after opening ). As other institutions now offer higher rates, I opted to close the account. While Citi readily accepts ACH deposits, when an account is closed they promise to send a check within 10 to 15 " business days '' ( i.e. it could be over 20-days )! While I could transfer funds to another Citi account or Citi partner account for free, I would have to pay {$50.00} in wire fees to send the funds to my bank ( Citi applies a maximum {$50000.00} wire limit, so two wires would be necessary ).

I believe it's both marketing fraud and a malicious business practice to offer an " easy open '', promise a bonus ( {$450.00} ), but then require 120 days to " actually '' get the benefits. Why not ACH the funds to my bank account from which the funds were origionally sent? Citi can easily do this, but wants to diminish my yield by not giving me my money back. I won't be doing business with Citi again and think they should be held accountable for their deceptive business practices.

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 2023-07-11
Company: Global Lending Services LLC
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:
XXXX XXXX had a offer that say I would be fine but preapproved for a loan and XXXX different hard inquiries put was put on my report dorming my XXXX XXXX by XXXX points. Then they stated that I was not eligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Sezzle Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
A chargeback with my credit card was resolved in my favor for merchandise not received. The payments were made through sezzle who is trying to show the payments as overdue ( late ) payments rather than disputed and refunded. They are trying to say I owe this amount back when I was successfully credited back through my credit card for merchandise not received. The order took place in XX/XX/XXXX with merchandise that was supposed to be received in XXXX of XXXX chargebacks were filed in XXXX of XXXX. They said they didn't have information from my bank showing it was closed in my favor and asked to provide that. I did so and are still say it could take months to remove the owed late payment notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX I received a letter for a private loan from NAVIENT. All of my private loans were paid in full by my grandmother ( my co-signer ) upon her death. NAVIENT just informed me there is a loan not paid. I have requested all documents in regards to this loan with all the details and NAVIENT states they can not provide me the documents for me to prove it has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
XX/XX/XXXX Capital One posted, I owe {$1400.00} on XXXX XXXX XX/XX/XXXX XXXX posted, I owe {$1400.00} on XXXX XXXX XX/XX/XXXX I paid the full amount {$1400.00} to Capital One. 

On my credit report Capital One & XXXX XXXX posted the incorrect information. I don't owe {$1400.00}. 

Capital One credit card was paid in full on XX/XX/2023. XXXX points was DEDUCTED from my credit score. I want the XXXX points restores. I want the correct amount of money owed posted XXXX XX/XX/XXXX Capitol One received full payment for {$1400.00} 1. XXXX posted the incorrect amount on XX/XX/XXXX {$1400.00} 2. Capital One posted the incorrect information on XXXX  XXXX XXXX XXXX states I owe {$1400.00} to Capital one, false, inaccurate, incorrect information. I OWE XXXX dollars, I paid the debt in full on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had a personal checking account with Chase bank since XXXX, on XXXX they closed my checking account with no reason provided. 
After that couple times I have tried open new account but they denied with no reason. 
I never recived any letter about the denied open checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Westlake Services, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I believe that the company 's actions have been highly improper and have caused me significant distress. I urge you to investigate and resolve this matter promptly. 

To provide some context, my mother, who cosigned on the vehicle, recently filed for bankruptcy. As per the legal proceedings, an automatic stay was implemented, which is intended to protect debtors from creditor harassment and contact during the bankruptcy process. Despite this legal protection, I was shocked to receive communication from a collection agency while my mother 's bankruptcy case was ongoing. This blatant violation of the automatic stay has deeply troubled me. 

In an effort to address this issue and understand the situation better, I diligently attempted to contact Westlake Financial to seek clarification on the matter. However, my repeated attempts to reach your office were in vain. The lack of response or assistance from your representatives during this crucial time added to my frustration and confusion. 

To exacerbate the situation further, I recently discovered that Westlake Financial claims that I should have continued making payments on the vehicle during the bankruptcy process. However, I was never informed of this requirement and was under the impression that payments were temporarily suspended until the bankruptcy was discharged. It is highly unfair and unreasonable to hold me responsible for payments that were not explicitly communicated during this challenging time. 

Given the lack of communication, contradictory information, and the threat of vehicle repossession, I find myself deeply distressed and concerned about the actions of Westlake Financial. It is my belief that such behavior is unacceptable and undermines the trust I placed in your company as a valued customer. 

I urgently request that you rectify this matter and provide a swift resolution. I expect Westlake Financial to honor its legal and ethical obligations, respect the bankruptcy process, and ensure proper communication and transparency moving forward. I also request that any impending repossession proceedings be immediately halted while this issue is being addressed. 

I kindly ask for your prompt attention to this matter. Failure to provide a satisfactory resolution will leave me with no choice but to escalate this complaint through legal channels and explore other avenues for seeking redress. 

I look forward to your swift response and a prompt resolution to this distressing situation. 

I spoke with XXXX Bankruptcy Specialist Westlake Financial XXXX XXXX She was rude and showed no empathy and also assumed the conversation I had with agent without any notes on XX/XX/2023, XX/XX/XXXX I spoke with 2 customer service agents that said they could not discuss anything. 
XXXX XXXX XXXX, XXXX ( XXXX ) XXXX collection agency that demanded payment twice as of today

Company response to consumer: Closed with explanation