BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I trust this letter finds you well. I am writing to express my concern and dissatisfaction with the delayed opening of my account.

I understand that unforeseen circumstances may arise, causing delays in processing applications. However, the extended delay in opening my account has caused inconvenience and frustration on my part. I have been eagerly awaiting access to the services your institution provides, and this delay has adversely affected my financial planning.

Please expedite the process of opening my account and ensure its activation at the earliest convenience.

Improve communication regarding the status of my account opening. I request timely updates on the progress made and the expected timeline for completion.
Given the extended delay and the inconvenience caused, I kindly request that you consider appropriate compensation or accommodations for the inconvenience experienced.

I believe in the importance of a strong customer-bank relationship and trust that your institution values customer satisfaction. I appreciate your immediate attention to this matter and a swift resolution. I am asking for your assistance to correct these late open account in my credit file : XXXX XXXX XXXXXXXX Balance : {$960.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: FL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
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:
I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I received a letter from Fifth Third Bank stating that my credit card limits were being decreased. Fifth Third states that XX/XX/2020, my credit score from XXXX XXXX was XXXX. I received my credit report in the mail from XXXX XXXX which showed that an inquiry from Fifth Third Bank was not requested until XX/XX/2020 and XX/XX/2020. How was the suggestion from XXXX XXXX made if my credit report was not pulled on XX/XX/2020 by Fifth Third Bank?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Avant Holding Company, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a charged off account that I had with AvantCard in the amount of {$740.00}. The first payment was made XX/XX/2023 in the amount of {$50.00} and the second was made on XX/XX/2023 in the amount of {$690.00}. 

Towards the end of XXXX I received a notice that a new collections account was reported on my credit reports from XXXX XXXX. XXXX XXXX shows that I owe {$740.00}, since apparently they purchased the account from Avant. This is not accurate as I paid Avant in XXXX. 

Avant sent me an email after an inquiry from me telling me that they would forward the payment in XXXX. I contacted them today, XX/XX/XXXX, and now Avant is telling me that the payments are pending ( which is not true as I have proof that they posted from my bank accounts ). Makes no sense to be pending since they were made over a month ago. They say somehow XXXX XXXX should have access to that ( which makes no sense since I paid it on Avant 's website ). XXXX XXXX says they should have received the payments since they were paid so long ago. 

I don't know who is in the right and in the wrong but I know that my account has been paid and it's now being reported incorrectly on my credit report as a new XXXX XXXX collections account with a balance even though it was paid before XXXX ever showed up on my credit report. This is not accurate and needs to be resolved by both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Kriya Capital, LLC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently took the time to check my credit reports and found that Credence Resource Management is collecting on me for a debt that is not mine. 

I've never had phone services from XXXX XXXX XXXX nor have I ever held a contract with them. Ive attempted to call XXXX XXXX XXXX but they said there was nothing they could do since the debt had already been passed off to a third party. Prior to Credence Resource Management reporting this erroneous debt, Ive never received any type of dunning letter or phone call in regards to this debt. Both of which are violations of the FDCPA. 

I don't understand how any of this happened but I do understand my rights under the FDCPA and I do have grounds to file legal litigation if I can't get this resolved here. 

I can provide documentation in supporting my claim of never holding any services from XXXX XXXX XXXX. All documentation and evidence of claims will be only forwarded in person to my county justice courts if resolution is not reached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX ( XXXX ) has violated my rights. 
15 U.S.C 1681 Section 602A Section 2 States I have a right to privacy 15 U.S.C 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C Code 1681s-2 States A PERSON shall not furnish any information relating to a consumer to ANY consumer reporting agency if the PERSON KNOWS or has reasonable cause to believe that the information is inaccurate. 
( B ) States A person shall NOT furnish information relating to consumer to any consumer reporting agency if- ( i ) The person has been notified by the consumer at the address specified by the person for such notices that specific information is inaccurate and ( ii ) The information is, in fact, inaccurate.

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 2023-09-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting 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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Avant Holding Company, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: NAVY FEDERAL CREDIT UNION
State: NC
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:
When I spoke to the bank, I was told that XX/XX/XXXX there was a transfer from another member to member bank account with Navy Federal for {$4500.00} and I have spoke to the bank three times today was the last time I spoke to the bank and I was told that even though I gave them documentation proof from my cash app statements that no money of XXXX was took out of my bank card into XXXX XXXX that I would still have to pay it even though it showed no proof of me taking money out of my bank that day especially not {$4500.00} because I didnt even have a job at the time Im XXXX years old so I definitely dont know how I wouldnt even got that money I was told that after the transfer was made into my account, it was took out and put into XXXX XXXX. Thats why I showed them my statements from the entire month of XXXX. After speaking to them all three of these times, Im still told that I have to pay for this and Im not even sure where the money went or how it got in there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX, is obligated by FCRA to report accurate accounting. Consumer has advised ALL the inquires reported was fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is NOT asking for an e-oscar report, if XXXX does not have documentation to show these were in fact authorized it must be removed asap. Said company is liable under the SEC to follow certain rules, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will be filing form 211 treasury omb forms to audit consumers account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I received a series of emails associated with NAVY FEDERAL CREDIT UNION that indicated an account in my name had been opened, 2-factor authentication was enabled using my email address, and a card was on its way. I forwarded the first 2 email to as address listed on the ban 's website ( XXXX ). I called the ask twice to alert them to this activity. On the first call, the operator asked for my social security number, which I refused to give. On the second call, the operator offered to connect me to the fraud department ; once connected, an automated announcement said it would take 25 minutes to speak to a human. 

I have never requested to do business with NAVY FEDERAL CREDIT UNION at any time, have never authorize them to open an account, and have never given them permission to check my credit or use my social security number. The emails form this organization claim that it is federally insured by NCUA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I opened a Citi Premier credit card with Citbank  for a promotion that outlined that I would receive XXXX points once I spent {$4000.00} in 3 months. ( XXXX XXXX XXXX ) I opened the credit card, which took 2-3 weeks to get to me and the promotion had already started, giving me 2 months to fulfil the terms. As I was making a purchase today, my card was declined for insufficient funds. Citibank told me that I was only offered a credit line of {$3000.00}. I have enough income to have a much substantial credit line so it begs the question, why would a credit card company approve you for a credit line that is below the offer promotion, making it impossible to reach? The whole encounter with Citibank is bizarre and I believe they are misleading consumers with this promotion and degrading the trust of buyers and their brand in the process. I will be closing my account, but they should be held accountable for misleading consumers with false advertising and unethical 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 2023-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I ordered a new card and it arrived. I activated the card and used the card on-line to pay my rent via XXXX. My labtop has been acting weried so I took it to the repair shop and the computer repair shop founr a remote access XXXX  virus on my laptop. 
This explains why and how is the same charges that are not my charges continues to show up on my card. 

Bank of america XXXX  prepaid card said because i already had a claim within the last XXXX  days that i was not able to dispute these charges. 

i should not be required to pay for something i did not use. i dont understand why bank of americas fraud detection system did not freeze the card untill i verfied. the following are back to back charges that would be inconsistant with any true card owners transactions.

multipule XXXX XXXX back to back transactions for small amounts DATE TRANSACTIONS AMOUNT XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2023-09-09
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My account has been compromised and my money is not accounted for. Inaccuracy on my account with a balance of {$0.00} I don't have my account number but I have my social security number XXXX My date of birth is XX/XX/1996 Ga state Id number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
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:
This account does not belong to me, and I did NOT XXXX authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # 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 agency can not furnish an account without my written instructions.

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 2023-09-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporting act this creditor has violated my rights under 15usc 1681 section 602 states I have the right to privacy ( there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy, 15 usc 1681 section 604a sec 2 consumer reporting agency can not furnish an account without my written permission 15 usc1666b a creditor can not treat a payment on a credit card account under an open end consumer plan as late with any purpose.

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