BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 submitted a dispute for a XXXX account on my report. I called XXXX and they had no record but it is listed as a residential account in Delaware opened in 2017. I have never resided in Delaware nor opened an account to XXXX at that time. XXXX could not find the account yet the dispute came back that it is my account. XXXX could not give me any information

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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my credit file, incorrect information were found in my reports. The TransUnionXXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION 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 explanation
Consumer complaint received 2015-04-20
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I found XXXX tax liens on my credit report filed XXXX stating that I owe XXXX for the year 2010 based solely on the fact that I had a XXXX XXXX license. According to the XXXX the average licensees paid {$3900.00} in state income tax, so they figured I owe them {$3900.00} in back taxes. I moved out of XXXX in XX/XX/XXXX, so I was n't a resident of XXXX in the tax year XX/XX/XXXX. I did n't have any XXXX transactions XX/XX/XXXX. The department XXXX indicates XX/XX/XXXX that my license is issued in non-working status and may not perform licensed activities. The XXXX filed XXXX tax liens in XXXX XXXX and XXXX XXXX that should n't be there in the XXXX place. I will attch copy of my passport ( I left XXXX in XX/XX/XXXX and moved to XXXX XXXX I have not been a XXXX resident since XX/XX/XXXX ) and IRS transcript showing that I had no income XXXX XX/XX/XXXX. Also a copy of my XXXX license showing my license status. I started looking for a job since I moved XXXX, with this false credit report/public record, it makes it really hard if not impossible for me to find a decent job. I do n't know what I should do at this point. Any advice would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Credit card
Issue: Other

Complaint:
I was PRE approved for the bank of america XXXX cash rewards card and the XXXX card and they denied me for both. They told me I was never approved for these cards which is simply not true. Bank of America has repeatedly denied me single cards yet they approve someone on reddit for XXXX BoA XXXX credit cards? What a joke.. I should be approved for both of these cards and if not they should remove the inquiries off my credit report. I have had so many issues with this bank and they are absolutely no help. The online chat reps just tell me I have to call and most of the time the numbers they give me are wrong and I have repeated issues from Bank of Amerideals getting my {$75.00} XXXX cashback and I am still waiting on {$100.00} checking account bonus and I have met all requirements. Now they are about to charge me {$12.00} a month for not having a certain balance or XXXX. Im tired of this bank taking advantage of me and nobody is willing to do anything ... They do not care about me as a customer at all. PLEASE HELP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Hello! I am a single mother struggling to make a better life and I had my score up to XXXX and higher to get a mortgage then XXXX on 2 seperate occassions accused me of owing money which both times their company admitted fault and removed it HOWEVER my creidt score reflects as if i owed this for the almost year it was on y report and i didnt know : ( Now i a renting at high amounts and my score is XXXX!!!! HELP!! Please!! This is the problem in america we have become just like 3rd world counbtries where the rich and large companies are allowedd to hold down the common man /woman

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
im being billed for a credit card that is not mine over 7 yrs old they been stealing my tax returns the orignal creditor is first consumers XXXX XXXX XXXX XXXX account number is XXXX want it droped of my credit report and i want all my money they stold back with intrest

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for the Capital One Savor card Application ID : XXXX after my friend got approved for a {$12000.00} limit. I have both a higher credit score and higher income than my friend. 

My Application with Capital One is pending because they are asking for verification of my income and have given me until XX/XX/XXXX to provide it. 

I sent my proof of income via USPS - XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
i applied for a barclay card and i was denied do to unsatisfactory prior relationship, i was never late or anything on my card always paid balances in full, they closed me down because i was a victim of id theft and some XXXX went on my credit report and even though i sent them the police report and transunion deleted that fraud off my report there still denying me

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 2017-10-04
Company: Stellar Recovery, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Under the FDCPA, your right to dispute the. I was not given the right to dispute the dispute of {$200.00} by this debt collection on XXXX/XXXX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
The situation happened on XX/XX/XXXX there was a fraud check was put in my Bank of America account for XXXX $ and my ssa check was deposited on the 1st and didnt post until the third  and now my account has a bunch of fraud checks in it. Its over drawn by XXXX $ and it was all done by individuals that I have stolen all my personal information and they have been doing this for years. And I have made several different reports and nothing has been done about it. I have made police reports and irs fraud reports and social security fraud reports and bank fraud reports and none of this places are doing anything to fix the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX {$0.00} XXXX XXXX {$280.00} XXXX {$0.00} To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listings. 

There are no contracts, no valid claim ... account was settled original with creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX, XXXX XXXX XXXX # XXXX, XXXX, OH XXXX Phone : ( XXXX ) XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX/Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are reporting on my Credit Reports : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: LA
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, XXXX XXXX, am filing this complaint against Experian and there is no third party involved. I have sent out a letter as well to Experian mailed certified XX/XX/XXXX. Experian is in violation in regards to the information that is being furnished on my consumer report. I would like to state that Experian is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that a consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer. I, the consumer, never gave Experian any written consent to report anything on my consumer report.. NO CONSENT = IDENTITY THEFT. The following are fraudulently furnished inquiries. I did not authorize, benefit from, nor consent to any of the listed inquiries and i demand they be removed from my consumer report immediately : 1. XXXX, XX/XX/XXXX 2XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 3. XXXX XXXX XXXX  XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4. XXXX XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 5. XXXX : XX/XX/XXXX, XX/XX/XXXX 6. XXXX  XXXX XX/XX/XXXX 7. XXXX  XXXX XXXX, XX/XX/XXXX 8. XXXX  XXXX XXXX  XXXX XX/XX/XXXX 9. XXXX  XXXX  XXXX, XX/XX/XXXX 10. XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX 11. XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX 12. XXXX XXXX XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX 13. XXXX XXXX XXXX : XX/XX/XXXX IF THEY ARE NOT REMOVED, I WILL HOLD EXPERIAN CIVILLY LIABLE UNDER 15 USC 1681N FOR WILLFUL NONCOMPLIANCE AND AGGRAVATED IDENTITY THEFT PURSUANT TO 15 USC 1681A ( Q ) ( 3 ) SINCE FRAUD IS BEING COMMITTED USING MY IDENTIFYING INFORMATION. These negative and fraudulent items on my consumer report is preventing me from having an equitable consumer report according to 15 USC 1681b. If Experian can not provide to me a copy of when I sent a written permissible purpose to validate these inquiries, I demand they be deleted IN 4 DAYS. Enclosed is the FTC Identity Theft Report which states the inquiries that are being fraudulently furnished.

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 2020-03-30
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I don't remember the exact date other than mid to late XXXX XXXX when I attended XXXX XXXX ( option was available on the pulldown menu when signing up ) I never finished schooling and had to drop out due to family problems. in XXXX I applied for a loan forgiveness program with Nelnet/XXXX   Discharge address U.S. Department of Education XXXX. XXXX XXXX XXXX, XXXX XXXX. 
I applied for this program. Had to submit documents regarding SSDI monthly payments as well as medical proof. I was approved and went through their 3 year monitoring period. The accounts I had 1 for {$13000.00} and a second loan account for {$8900.00} totalling {$22000.00} should have been discharged in XXXX. Fast forward to XX/XX/XXXX I decide to fix my credit scores and reports to get out of debt. I discover I now have these 2 loans reinstated and no reason why. I have since XXXX of XXXX repeatedly have requested information regarding the account. They told me the account was reinstated but that's it nothing else. If I want to do the XXXX  again I have to start all over. The only thing they have sent to me is the application but nothing else regarding the accounts. I am under the impression any and all lenders legally must give account access and information regarding any accounts owed otherwise they must legally discharge the loans/accounts immediately and remove from credit reports. I have asked numerous times now and still have yet to get any information. I have contacted a consumer attorney regarding this matter to see what can be done to be discharged ASAP. 


My account number is the only thing I have XXXX. No other information as of right now due to them not giving me access to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
This account don't belong to me. Please remove this from XXXX. Please see below the account that is reporting derogatory on XXXX. 

1. Identity Theft BK OF AMER Account Number : XXXX This is not mine.

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 2015-05-07
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I 'm having problems with Equifax not correcting info on XXXX public records they have listed. I disputed with XXXX & XXXX 30+ days ago & they deleted XXXX of them & corrected the info on a XXXX. This is the 2nd time I 've disputed with Equifax & both times they came back " completed '' in just a few short hours. The other XXXX CRA 's took almost the 30 days allowed to delete/correct the info. The fact that 1 ) it took Equifax a couple hours to " complete '' this " investigation '' & 2 ) they state the info is correct when it absolutely is not correct, tells me they are n't even attempting to verify & correct this information on my credit report with them. I have been to the courthouse in person & have seen the correct info, and the other XXXX CRA 's have actually investigated these listings like they are supposed to, and already deleted/corrected the wrong listings. If a CRA is going to take the time to include public records which is EASY to verify if they actually did it, then they need to take the time to make sure this info is correct. This is my credit report & is very important, and as such it needs to contain correct info, not junk they just throw on there, without making sure everything is kosher first. This affects my life to a huge degree in every way imaginable, from getting credit to getting a job. As I stated, this is my 2nd attempt to get this info fixed with them, and both times they were negligent ( in my opinion ) in fullfilling their purpose & duties as a Credit Reporting Agency. They most obviously are n't actually investigating these incorrect listings when the info listed is STILL wrong, and the other XXXX CRA 's already actually investigated these and found them to be incorrect & deleted XXXX that are due to fall off soon, and updated the newest one with the correct info. As such, I would like Equifax to completely delete all XXXX of my paid medical judgements they have listed, since they are obviously not interested in displaying the correct info & just want to show whatever they feel like without regard to the very real problems that an incorrect credit report causes in peoples ' lives. And for the record, Equifax 's online dispute system is complete rubbish compared to the others '. Half the time you get errors when answering the questions that identify you, or it states your answers are incorrect, when in fact they are correct. Also, Equifax 's dispute system does n't allow for any notes to be added to the dispute like you can with XXXX 's & XXXX 's. That is just plain stupid, but does n't surprise me considering they do n't seem interested in making sure peoples ' reports are accurate & just spit back " completed '' investigations, when none ever actually took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
{$5700.00} was withdrawn from my Citibank checking account on XX/XX/2022. This is an error. The statement says : " Transfer to Checking # XXXX ONLINE Reference # XXXX Transaction Date XX/XX/2022 XXXX PM ET ''

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 2022-09-07
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I was provided a lease from XXXX XXXX for my XXXX XXXX. My car lease was paid-off early, over 2- years ago. I used typical auto financing to pay-off XXXX XXXX I now know that there were three companies involved with my lease transaction : : XXXX XXXX, XXXX XXXX XXXX Wells Fargo. Letters are attached from XXXX XXXX to verify lease the pay-off. Unfortunately, Wells Fargo was involved with the lease transaction and remains on title. now the lease was paid-off close to three years ago. being paid-off. I never had any direct contact with Wells Fargo. XXXX XXXX accepted all my lease payments and XXXX XXXX provided me with the pay-off .The state of Illinois informed me that Wells Fargo was associated with the lease and is still listed as a lien holder on title. The lease was paid-off with funds obtained from XXXX XXXX XXXX and I refinanced my car loan with XXXX XXXX who now has my loan. Communication with XXXX, XXXX XXXX XXXX XXXX XXXX of Illinois has confirmed that my release was never properly processed by the three related companies XXXX XXXX, XXXX XXXX XXXX Wells Fargo. A letter provided from XXXX XXXX does not appear to be correct.

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