BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-28
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In XX/XX/XXXX, I requested a copy of my credit report, that whens it came to my attention that I have an inquiry of my report that I did not authorize. I sent a certified letter dated XX/XX/XXXX to XXXX XXXX XXXX XXXX requesting to provide me with a copy of any documentation associated with this account bearing my signature authorizing an inquiry. A 2nd certified letter dated XX/XX/XXXX was sent attempting a last goodwill gesture to contact the credit reporting bureau about the erroneous reporting on their behalf. I also sent a certified letter dated XX/XX/XXXX to XXXX requesting the same information and nothing has been done by either XXXX XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am illiterate when it comes to finances. I took what loans were offered to me so that I could focus on my education and not have to work so many hours to stay afloat. After I graduated and was ill-prepared to enter the work-force, I found out my school was shut down. Unable to find a job in my field I kept pushing off paying my loans back because I could n't even come close to affording them. Every time I would call, the person on the phone would immediately offer me forbearance, and simply suggested that I look up my repayment options. This went on for years. Now, I actually applied for  IBR and se lected the box on the application for Navient to chose w hich IBR plan wou ld give me my lowest payment. After about a month and never hearing from them, I finally called and they told me my payment was {$260.00}, which is a hardship for me but I assumed it was the best that could be offered. When I went online to make my first payment at long last, I saw that I had missed it! There wer e two sets  of loans, each with a monthly payment of about {$250.00}, totalling about {$500.00}. When I called they told me that I had been put on the income-sensitive plan, but that my payment could be lower on another plan. And they offered me forbearance again while I figure it out. My loan balance has almost doubled since I graduated, and I have n't even been able to make a payment yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I just recently checked my credit report with XXXX XXXX and it looks like there is a fraudulent credit card account opened with Citibank CBNA under my name. Citibank has never contacted me about this account or provided me with any information at all to verify if this is indeed my account and they have been reporting this on my credit report. 

Looks like the account was opened on XX/XX/2021 and has been reported on my credit report multiple times. I have filed a fraud report with Citibank but they have not provided any concrete updates.

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 2022-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my checking account without providing me reason and for no reason.

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 2017-08-28
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have requested a copy of the " on-line application '' that was used to fraudulently open a Visa Credit Card with Synchrony Bank BP in my name without my permission. I am a victim of Identity Theft. The fraudulent person opened a line-of-credit ( credit card ) via the Internet " on-line '' on XX/XX/XXXX with SYNCB/BP DC, for {$6000.00}. They charged {$7900.00} on the credit card. I have contacted the credit agencies, filed a police report and filed an Identity Theft Report with the Federal Trade Commission.  The identity theft was brought to my attention on XX/XX/XXXX and I have been trying since XX/XX/XXXX to get a copy of the fraudulent " on-line application. '' Synchrony Bank has dragged their feet and have not sent me the " on-line application that I requested. In addition, they are required to send me any documents or information that was used and/or uncovered during the process of them investigating this fraud. I have not received any documents or information them. Summary : 1 ) I need a copy of the fraudulent " on-line application '' ; 2 ) copies of any documents or information uncovered during the investigation of this identity theft claim.

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 2017-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In XX/XX/XXXX, I requested a copy of my credit report, that whens it came to my attention that I have an inquiry of my report that I did not authorize. I sent a certified letter dated XX/XX/XXXX to XXXX XXXX XXXX requesting to provide me with a copy of any documentation associated with this account bearing my signature authorizing an inquiry. A 2nd certified letter dated XX/XX/XXXX was sent attempting a last goodwill gesture to contact the credit reporting bureau about the erroneous reporting on their behalf. I also sent a certified letter dated XX/XX/XXXX to Transunion requesting the same information and nothing has been done by either XXXX XXXX or Transunion.

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 2022-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
RE : XXXX XXXX Bank of America check account # XXXX Routing number XXXX XX/XX/22 @ XXXX transferred confirmation # XXXX On XX/XX/22, I have my Bank of America account hacked. A hacker has gain access to my information and my identify has been compromised to log into my Bank of America on Tuesday, XX/XX/22 at XXXX XXXX. I have received a email that my account has log-in and personal preference and setting like password has changed immediately and my phone number linked to the account also been removed. A short two minutes of time gone by and all my access to my account has been denied. I noticed an amount of XXXX XXXX XXXX XXXXXXXX XXXXXXXX  was transferred to an unknown individual by the name XXXX XXXX but unsuccessful. A second attempted was made to XXXX XXXX with email XXXX completed transferred of XXXX XXXX XXXX XXXXXXXX XXXX. 

I immediately called Bank of America to suspend all activity and told there will be an investigation and I should receive the fund within 10 business days. Unfortunately, they sent me a letter on XX/XX/22 and I was told that they can not and unable to honor my fraud claim. 

I am writing to address my concern that my banking information has compromised and I immediate suspended my account as the protocol. I am devastated that my funds has been stolen and Bank of America did not do their diligent to fulfilled further investigation. I am asking the XXXX XXXX XXXX XXXX to step to help me with Bank of America to take a deep dive and looked how my funds can not be recoup with name and the emails of individuals. 

I am eager to find a solution and as well as many other people had the same circumstances of identity theft and stolen funds from bank accounts. 

Warmly, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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:
OnXX/XX/XXXXI was informed that Equifax experienced a large data breach, and was able to confirm that my data was included in the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: Experian Information Solutions Inc.
State: HI
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 correspondence is in response to my request for a courtesy/good-will credit retraction and the response I received on XXXX XXXX, XXXX. In the letter I was told that such late payments on credit reports could not be removed due to regulations promulgated by the FCRA. Contrary to these assertions, by failing to update previously reported information, XXXX XXXX XXXX is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). Here is a link to the FTC advisory opinion I am referring to in the rest of this letter. https : //www.ftc.gov/policy/advisory-opinions/advisory-opinion-harris-03-22-99 The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA XXXX such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. 
XXXX XXXX XXXX representatives told me that because the XXXX  payments were accurately reported in XXXX and XXXX of XXXX and that XXXX XXXX XXXX will not update this information. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. *

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 2017-04-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was notifie d two years later of   missed payments on my Dept. of ED loan, for which I applied for and received forbearance. Navient inadvertently applied the forbearance to my Federal loan, and are trying to m ake me pay for their mistake. Their error increased my payment and extended the life of my loan. I 'm absolutely certain their efforts are fraudulent. The customer Service advocate 's initially response was : inconsistent payment times caused the loan to accrue interest. That 's what late feers are for, but no fees were assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: EQUIFAX, INC.
State: NV
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 convergent account, ( Business and profess in the amount of 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 2021-04-15
Company: RICHLAND HOLDINGS, INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was accused of damaging a room ( Door Frame and Door ) at the property address located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX Nevada XXXX ( XXXX ) ; during my stay between the dates of XX/XX/XXXX XX/XX/XXXX. This frivolous accusation is 100 % false. On XX/XX/XXXX when I checked out of the room, the dwelling was inspected before check out was completed. I turned in the keys and the bill was paid in full and I left the property. The incident in question took place after my check out and departure ( The Staff contacted me over 48 hours later to inform me of the damage ). Therefore by law I can not be held accountable for whatever occurred in an empty unit after the lease/agreement has come to an end and all bills/ ( and or ) fees have been satisfied. I have also contacted XXXX XXXXXXXX XXXX on XX/XX/XXXX. I spoke to the current Property Manager Mr. XXXX. He informed me that I was cleared from the unit with no outstanding bill/ or fees at my departure. Mr. XXXX also notified me that the cost to replace a door, and its frame is {$900.00} ( Door {$500.00} and Frame {$400.00} ) but however the credit collection company : XXXX XXXX XXXX XXXX XXXX XXXX has place the ludicrous amount of {$2900.00} on my account. This is in clear violation of the Fair Debt Collection Practices Act as Amended by Public Law 111-203, tittle x, 124 Stat. 2092 ( 2010 ). Section 15 USC 1692, Section 807 False or Misleading representations 2A, 8, Section 808 Unfair Practices, and Section 809 Validation of debts. Your immediate assistance is appreciated in helping me to resolve this matter.

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 2017-08-28
Company: EQUIFAX, INC.
State: HI
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 correspondence is in response to my request for a courtesy/good-will credit retraction and the response I received on XX/XX/XXXX. In the letter I was told that such late payments on credit reports could not be removed due to regulations promulgated by the FCRA. Contrary to these assertions, by failing to update previously reported information, XXXX XXXX XXXX is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). Here is a link to the FTC advisory opinion I am referring to in the rest of this letter. https : XXXX The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( XXXX ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. 
XXXX XXXX XXXX representatives told me that because the delinquent payments were accurately reported in XX/XX/XXXX and XX/XX/XXXX and that XXXX XXXX XXXX will not update this information. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. *

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Received a reply from experian today that the information will remain the same nothing was verified at all. Have reports from the bankruptcy itself stating that they do not report to credit agencies. To Whom It  May Co ncern : I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry listing a   Bankruptcy in I do not have a Tax Lien or Bankruptcy.
( UNITED STATES BANKRUPTCY COURT DISTRICT MINNESOTA ) does not report ( type of file - Tax Lien or Bankruptcy ) to credit bureaus.     Federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgements or tax liens.     A Bankrup tcy filing is public information. Again, ( UNITED STATES BANKRUPTCY COURT DISTRICT MINNESOTA ) does not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. ( CB Name-  XXXX  ,  XXXX  , Experian ) has found information on ( type of file - Tax Lien or Bankruptcy ) through third party research.      Please validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.     Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act, section   623 ( a ) ( 3 ), and I am keeping careful record of your actions.
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

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 2021-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I requested a credit increase on my business ( XXXX XXXX XXXX ) credit card with Capital One, only to be denied for what they say was " You have to many inquiries '' they also show my score as a XXXX, but my XXXX score is over XXXX and all of my credit cards have great payment history, this is open racism. They once told me I could get a increase after I had my card for more than 14 months then they said 16 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Gurstel Law Firm, P.C.
State: UT
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 am being contacted by Gurstel Law who is a debt collector. They are saying that I owe a certain debt from XXXX XXXX. What they are going off is solely the information that is given to them from the company where the debt supposedly is coming from. I have asked on a number of occasions for them to provide proof of this debt via an original contract. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Gurstel Law is required by federal law to verify - through the physical verification of the original signed consumer contract. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file. Their failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed if they are unable to provide me a copy of verifiable proof, they must remove the account listed below. 

This is not the first complaint I have filed- Gurstel does not change their tactics and I am still having the same issue. 

**The CFPB has not helped either even though this has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation