BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-30
Company: Keynote Consulting, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This collection of over {$2300.00} showed up randomly on my credit in late XXXX or early XXXX. Looking into it I discovered it was for a place called XXXX XXXX XXXX for couples to travel the world. I was extremely shocked plus confused because I have never heard of it before. 

On top of that, I have never had my passport and have only ever traveled between XXXX and my home state of XXXX which does not have a place called XXXX XXXX XXXX. Looking into this more I found out that they had a scanned copy of a Driver 's License that was lost back in XXXX. The signature on the paper did not even match my signature. 

This company used a stolen Driver 's License and forged my Signature for a travel program I don't even qualify for or live nearby. I have disputed this in detail in XXXX, XXXX, XXXX, and XXXX both over the phone, by letter, and through XXXX. I have also provided them Identity Theft reference numbers regarding the stolen ID and forged signature. Yet they still will not drop this collection that is clearly fraudulent. 

I don't even know what type of collection this is because it isn't for healthcare, it isn't for a car or a house. Not a personal loan, it just looks like someone used my information to skip town and now I have to foot the bill for it. The whole thing is frustrating and their website even looks fraudulent. How can a company do this? And if they are a legitimate company, why are they accepting forged signatures and ID 's not even from their state? Do they even interview people to see the person who signed up is clearly not the person in the picture?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: TX
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 disputed my the reported information regarding my account multiple times. All Student loans, those in collection and not, were put on a federal administrative forbearance during the covid-19 pandemic of XXXX. This was also extended multiple times. These account was paid off during the time it was in administrative forbearance in XXXX of XXXX. The accounts are still reporting as collections and the reporting agency is reporting my account as a collection as of XX/XX/XXXXXXXX  when this account was paid off and closed XX/XX/XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2017-09-25
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Today on XX/XX/2018 my navy federal account was frizen without any notifaction!! No rmail no call. When i called i find out that because if XXXX XXXX XXXX  there was a account with XXXX that would not be removed because it was so called verfied and accurate!! Thats was my second time telling XXXX XXXX I have never had a account with them and they have not sent any prove of signature or anything for this account. Just a letter saying verfied! I have XXXX kids and having my account frozen without any warning is very stressful and dangerous for a single mother who is already struggling! This was not the correct way to go about buisness for neither 3 companies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: The Bureaus, Inc.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft. I contacted XXXX XXXXXXXX and they agreed to remove the debt. However, it is still being reported and sold to The Bureaus Collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 disputed my the reported information regarding my account multiple times. All Student loans, those in collection and not, were put on a federal administrative forbearance during the covid-19 pandemic of 2020. This was also extended multiple times. These account was paid off during the time it was in administrative forbearance in XXXX of 2021. The accounts are still reporting as collections and the reporting agency is reporting my account as a collection as of XXXX 2022 when this account was paid off and closed XX/XX/XXXX2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02
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:
after reviewing my credit reports there were several unfamiliar accounts and infromation listed incorrectly. I was subject to theft and or my information being compromised a while back, so im not sure if these accounts are the results of this compromise. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 In accordance with the Fair Credit Reporting act 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 reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX 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 2022-10-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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 sent letters to Bank of america to advise them of a someone trying to get a credit card in my name I have repeated sent letters to XXXX XXXX and XXXX also and they will not remove it they said only Bank of america can remove it and they are refusing to do so even through I sent then the proof of the id theft from the idtheft.gov

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: TX
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 sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX  Original Creditor : XXXX XXXXXXXX Balance Owed : {$220.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$4400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: AZ
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$2300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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  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 an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
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:
In accordance with the Fair credit report act XXXX XXXX XXXX account number 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
On XX/XX/XXXX I authorized a balance transfer from my Barclay credit card in the amount of XXXX and a balance transfer fee of XXXX I received the monies in my checking account, however, Barclay charged me 2 times for the balance transfer and balance transfer fee. I started calling customer service XX/XX/XXXX and filed a complaint with the XXXX  and the situation is still not resolved.

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 2022-10-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 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 explanation
Consumer complaint received 2021-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
When we first set up addition Principal payments with capital one auto they were told to apply my additional weekly payments and any other additional payments to principal. The total additional amount now exceeds {$2800.00}. My regular payments of {$290.00} were received by auto payments starting with the first payment On XXXX XXXX. Payment due date is on the XXXX of the month. The Capital one website is very deceiving when reviewing your payments. It appears at first glance your payments are received. However, it wasnt until I reviewed the balance more closely and realized the principal balance they reflected was higher than what I calculated. I made the first phone call in early XXXX and my last phone call XX/XX/XXXX, with no satisfaction. Capital One will only go back 3 months to adjust my principal. After 2 months of no resolutions and going to the office of the president, not only are they refusing to adjust my principal balance from the first additional payment on XX/XX/XXXX, they have NOT reflected any additional payments the past 2 months from my initial phone call in XXXX, I was informed future payments would be just an applied correctly. If capital one uses there excuses for additional payments to be applied to both principal and interest this is millions of dollars they are robbing from American people every year. They have robbed me of my financial goals of paying off my loan earlier and with less interest. As a retired loan officer Ive seen the negative impact Capital one has done to my clients, I vowed to myself NEVER to use Capital One, however, and unfortunately, the dealership I purchased our car through gave no option other than capital one. Capital one will state additional payments should be done through their online process and if received directly from the customer or a bill pay account other than capital one the additional payments would not be able to be applied towards principle. THIS IS NOT ACCEPTABLE! I ask for my additional payments be applied to principal balance and I was never told it would be a problem. Therefore, Capital One was negligent by not initially informing me. They truly make it impossible to add additional payments to your principal. I ask that you stop Capital One from taking advantage of additional principal payments especially when they receive the monthly payment, it SHOULD BE the consumers right to apply to principal, especially when it was directed. Please resolve this by getting my additional payments towards the principal. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Experian Information Solutions Inc.
State: AL
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:
Experian is inaccurately reporting a late payment to my credit report. XXXX has already deleted this inaccuracy from my credit profile and I am demanding that my profile be updated to ensure accurate reporting of my personal information. The payments were never late and Experian has refused to update my profile accordingly. The confirmation number for the XXXX deletion is ( 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 2021-09-01
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been battling with Citi in regards to an account listed on my credit report without any knowledge of my own. On several occasions, I have attempted disputing this account with Citi asking for verification of debt, however no one within Citi would comply with the Federal Government or with the Federal Trade Commission that regulates the Fair Credit Reporting Act as well as the Federal Fair Debt Collection Practices Act Section 809 ( b ), which plainly states " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Citi is considered the debt collector and letters were sent to their CEO/CFO between XX/XX/2021 and XX/XX/2021, asking for such debt to be verified and they have failed to do such. Only until my most recent conversation had with their Executive Response Unit Representative XXXX, whom agreed to finally send verification of debt after payment was rendered ; so in a sense, I was corned or made to negotiate matters without the debt being properly verified. I have disputed such with all three credit bureaus and neither except for XXXX, have vouched on my behalf to have the account appropriately verified prior to payment being initiated. The Executives or Executive Management Team, have no knowledge as it relates to debt requiring to be verified per the Federal Law that mandates such, prior to any debt being settled. What they have done is completely illegal. This account needs to be permanently deleted from my credit report immediately.

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