BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2023-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I changed banks from Bank of America to XXXX on XXXX of XX/XX/2023. I called the National number for Social Security and made the change. The change did not go through, and was told to call the local office. I did and the information was updated. When I called Bank of America, they found out that the 10 day closing hold on the account had not happened and it would be expedited. That was on Tuesday, XX/XX/2023. The hold was removed on XX/XX/2023. I was told that they would be sending me a check for the left over balance of {$57.00} and the SSI check in the amount of {$910.00} for a total of {$970.00}. I got this from one person. The next one told me they would be sending the check back to Social Security. Then another person told me that a check has been sent out for the {$57.00}, but the SSI check has been sent back to Social Security. That was as of Wednesday according to the man I spoke with with today, and the {$57.00} has been sent out in the form of a check, he wasn't sure what was going on with the SSI check. He doesn't even have record of a Social Security check coming to them at all. Social Security has yet to receive, any thing from Bank of America and Bank of America keep giving me the run around about it or where it's coming from, another keeps telling it has been sent back to Social Security. They have done something with my SSI check and won't give me a straight answer as to what they've done with it. I need this money, and Bank of America isn't giving me anything to go with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: FL
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:
Filed a dispute on XX/XX/22 online, which came back " validated '' I redisputed requesting a thorough investigation as the collection account was listed multiple times with different amounts. This was a violation of the FCRA. I received a letter from XXXX that the information of the XXXX should be removed due to reinvestigation or retention had expired. MG credit then re-added the collection account with a new charge off amount of {$1200.00}, with no additional certification provided to me as required by FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: NJ
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX, XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Collection Bureau of America Ltd.
State: TX
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 have sent Collection Bureau of America several letters requesting validation of alleged debts they claim I owe. They in return, sent me a ledger history and have yet to provide documentation that bears my signature showing that I have entered into a contractual agreement with them. These derogatory comments are still reporting on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Kohls sent me messaging stating that to not have my Kohl 's Charge Card be transferred to a Capital One Credit Card, I needed to call a phone number and opt out. I opted out via their process via the date required. I had a XXXX dollar balance upon the time that I opted out and maintained a XXXX dollar balance through the process. The issue is now Capital One went ahead and opened the account, and is sending me billing statements for an account that I have already opted out of. I also did not approve of my information being shared with Capital One and they now have my social security, etc information that was given to them by Kohls. Kohls should have just closed my account by the opt out deadline and not shared my information and Capital One should have never opened the account fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: Atlanticus Services 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: Sent card you never applied for

Complaint:
I received a message from XXXX XXXX and XXXX stating my credit score dropped. Both sites gave a link to see the reason why. Both sites indicated I opened a new credit card account with Fortiva Bank. I did not apply for a credit card with Fortiva, or any other financial institution. I contacted Fortiva and spoke to a female customer service representative who had a thick XXXX XXXX. It was so thick I could not understand her without asking her to repeat herself multiple times. Her claim was that I purchased an item from XXXX a few years ago and when I elected to finance my purchase through XXXX The financing went through Fortiva Bank, and therefore they are able to send me a credit card I never applied for. I have never been an intentional customer of theirs. My purchase through XXXX was done on XXXX website at time of purchase. I paid that debt off immediately, and it was XXXX  when I made that purchase. Fortiva commits fraudulent acts by initiating credit cards to consumers without the consumers knowledge or authorization, and places the consumer in a bad situation when it comes to credit and the potential for identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-06
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXXXXXX XXXX  committed fraud I filed for the credit protection insurance on both of my cards from them when hurricane Ian it and I couldnt go to work for a few months and they stole the insurance money and refused to put it towards my accounts and there still trying to force me to pay it and they are making false reports to my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Had a mortgage with wells fargo, about 2010. They said i qualifyed for a reduced payment. After paying for months they said i didn't qualify and had to payback the differerence in payments.Lost home because they foreclosed on my home.

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 2022-10-21
Company: EdFinancial Services
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2022 I called to request the funds I payed toward by student loan during the pandemic relief period be refunded. I was not given a confirmation number, though I did receive an email saying the request was received. I was also not given a timeline as to expect the request to be processed. I'm trying to get the refund so that I can apply for relief before my next payment due at the end of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA. XXXX XX/XX/XXXX XX/XX/XXXX Acct : XXXX XXXX XXXX DE XXXX I am writing you because its has brought to my attention that Under the Fair Debt Collection Practices Act, debt collectors are prohibited from using false, deceptive, or misleading practices to collect debts. I am well-versed in the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, and it has become clear that my rights are being violated. Under 15 U.S. Code 1681b - ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. It has been 30 days and you are in VIOLATION of this law. Please delete this item IMMEDIATELY! This account should not be furnished on my consumer report as its in VIOLATION!!! At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX, Equifax or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : * Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act * This is Defamation of Character and all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. **Attachments showing that this account has been deleted from the other credit reporting agencies. **

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have attempted on multiple occasions to correct my name on Equifax, without success. I sent them the paperwork they required on all of these occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). The name that currently shows on my credit report when I go to my account is that of my ex-husband ( XXXX ). I have legally changed my name back to my maiden name ( XXXX ). Equifax refuses to change my name, despite the information I sent them, which included my social security card, drivers license, and divorce decree confirming that I could return to using my maiden name. 

Equifax does not have any option on their phone contact to actually speak to a representative- the only thing that a person hears is the automated system. They also do not list an email contact or any other way of getting in touch with someone who may be able to assist with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please review attachments below i have inquires that i do not recognize on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Prince Parker & Associates
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
PRINCE PARKER AND ASSOCA XXXX XXXX XXXX XXXX XXXX NC XXXX contacted me via phone repeatedly after the attached C & D was sent and evidence received by the signed USPS certified card shows they have knowledge of it which they previously told the cfpb they did not. I want the debt validated. Two credit reporting agencies accept XXXX have removed this because I showed them this evidence. The cfpb has not done their job and neither has this creditor to follow the laws. If the that is not validated within the next five business days by USPS mail and if they do not stop contacting me I have all the evidence to pursue legal action and collect damages by law. I'm also not required to communicate with them via email or provide them my email address as I am harassed enough by them I don't need any more harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed manyACCOUNTS which do not belong to me. Since Im a stickler for research, I found that under section 605b ofthe FCRA you are required by law to remove & block any ACCOUNTS which are found to be opened due toidentity theft. The dispute ACCOUNTS do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 2023-08-04
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
applied for American Express XXXX XXXX and after spending the promotional offer I didn't receive the bonus points and they still charged me the annual fee for no benefit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: U.S. BANCORP
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened an account ( US Bank XXXX XXXX ) with the bonus offer ending on XX/XX/XXXX. The promo code while opening the account was XXXX. 

After meeting all the requirements, the company XXXX US Bank ) is not honoring their bonus payments. A customer service representative from the bank confirmed that I have met all the requirements on a phone call ( XX/XX/XXXX ). 

When I called today ( XX/XX/XXXX ), I have been receiving vague excuses from the customer service representative about why the bonus has not been paid out. One representative mentioned that the account was not funded properly since the money was transferred from a different bank. Meanwhile another representative mentioned that since I received a personal checking bonus, I was unable to qualify for business checking bonus. Another representative sent me a flyer from the previous quarter XXXX. Since, I am getting vague excuses, I would like to file this complaint and have US Bank honor their original bonus terms.

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 2023-03-03
Company: NAVY FEDERAL CREDIT UNION
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:
On XX/XX/ at approximately XXXX XXXX called from Navy Federal to collect on a loan payment. The loan reached its maturity so XXXX suggested that i refinance the loan. I asked XXXX if i should make a payment to avoid a 30 day late credit report. XXXX insisted that i did not need to make a payment because the refinance application would place a hold on the account so it would not report late. Over the weekend the new refinance was completed. The old loan was reported 30 days late contrary to what XXXX stated would happen. I called Navy Federal collections spoke with XXXX who reviews the call & stated i had never asked about preventing the 30 day late report which is a blatant lie. I asked to get a transcript of the call & the contact to navy Federal executive office for consumer complaints, XXXX states she could not provide any information regarding executive officers or the VP of collections. I have never had any late credit reporting. I would have made the payment in order to avoid the late reporting but i was following the process as advised by Navy Federal collections representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: NJ
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


U S DEPT OF EDXXXX XXXX XXXX {$8600.00} - Has violated my rights U S DEPT OF EDXXXX XXXX XXXX {$8600.00} XXXX Has violated my rights DEPTEDXXXX XXXX - {$0.00} - Has violated my rights U S DEPT OF EDXXXX XXXX - {$8600.00} -Has violated my rights XXXX XXXX - {$0.00} - Has violated my rights XXXX XXXX - {$0.00} - 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation