BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Consumer Financial Protection Bureau Re : Complaint against Bank of America To Whom It May Concern, I am writing to express my dissatisfaction and concern regarding a recent decision made by Bank of America in relation to my deposit account application. I am greatly disappointed by the denial of my account opening request, particularly given my previous two-and-a-half-year history of utilizing a checking account with your only reason l open account again beo a o b offer XXXX dollars open rewards. 

I received a notice indicating that my application to open a deposit account with Bank of America had been declined. The decision was purportedly based on information obtained from XXXX XXXX XXXX , XXXX, as mentioned in the communication. However, I am troubled by the fact that neither the agency nor the bank has provided me with specific reasons for this decision, leaving me feeling perplexed and frustrated. 

According to the notice, I have the right to obtain a free copy of my consumer report from the consumer reporting agency within 60 days of receiving this communication. I intend to exercise this right and request a copy of the report to better understand the factors that led to the rejection of my application. Moreover, I am concerned about the accuracy and completeness of the information within my consumer report, as I believe my financial history and relationship with Bank of America should warrant a more favorable outcome. 

The factors cited as adversely affecting my deposit account scoreparticularly the status of my relationship with the inquiring bank compared to the age of my established relationship with any bank, the total amount of returned checks during the last 30 days, and the number of inquiries during the same periodare aspects I believe require further clarification. Given my history as a loyal customer, I find it difficult to reconcile how these factors could outweigh my positive banking history. 

I value my relationship with Bank of America and have trusted your institution for over two years with my financial needs. As a customer, I believe in open communication, transparency, and fairness. I urge you to conduct a thorough review of my application and the decision-making process that led to its denial. I request that you provide me with detailed explanations for each factor that influenced the outcome, so that I can better understand the reasoning behind this decision. 

I appreciate your prompt attention to this matter. I am hopeful that by addressing this issue, we can rectify any misunderstandings and continue a positive banking relationship. 

Sincerely, 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 2019-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On numerous occasions in the past and recently I have had individuals make monthly ongoing deposits into my business account for funds that are due me in my course of business When these individuals have made these deposits at the varied branches The teller whom is accepting the deposits is disclosing my private home address to these depositors when they complete the deposit slip address data I have complained to BofA on numerous occasions that my home address Is private and that they are violating my instructions not to disclose my home address and thus are violating my privacy rights. 
When the teller accepts a deposit the teller is hand writing my home address on the deposit as opposed to my business address on file. They are deriving this home private home address from their banking computer systems. 
All my accounts have the same XXXX XXXX business and primary mailing address with this financial institution none of them have my private home address. All my bank statements indicate only this address as originally set up. 

I have also reached out to the bank on several occasions in the past year about credit card offers that they were also mailing to my home address which I prohibited. They were instructed to cease and desist from that mailing practice which for the most part has been complied with I have digital evidence of the teller privacy violations on recent and past deposit slips. 
The past mailed credit card offers mailed to my home address have been shredded. 

I have spent countless time on the phone with customer service about this privacy disclosure violation and I have visited branches with the credit card solicitations pleading with them to please stop their mailing to my home address practice. 

I have attached just a few of many deposit slips which reflect the disclosure of my private home address in XX/XX/XXXX-XX/XX/XXXX I have also attached a proper slip of which there are many correctly showing my XXXX XXXX mailing address There are numerous others incorrectly and correctly completed There are also past incidents wherein on a personal acct they have also disclosed my private address

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 2022-01-31
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: PNC Bank N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2018, I was contacted by a seller claiming he was renting out a studio apartment in XXXX. He even had a picture of his driver 's license with the address in XXXX XXXX which, in retrospect, was likely a picture from another possible victim. Over the next 10 days I corresponded with him over email and text messages to finalize the rent. I paid via the XXXX XXXX app, XXXX XXXX, and XXXX Messenger pay. Unfortunately when the time came, he claimed he couldn't send the keys to the apartment and the leasing documents. When I confronted him, he called me a variety of names and later on admitted to scamming me due to poverty. 
I contacted my bank, PNC, immediately after and filed disputes for every transaction. Since it's based on the east coast from when I attended university, I was unable to visit any branches. The fraud investigation department took 3 months to get back to me and said they were completely unable to do anything. However, I specified that it was a scam and that I had indeed authorized the transaction, so it wasn't an issue of someone else taking my card number. Yet these transactions weren't able to be reversed. The only company that did anything to help me was XXXX, who reversed my transactions in XX/XX/XXXX immediately after listening to me describe what happened. Unfortunately since only 20 % of my payments were made through XXXX XXXX as the seller preferred the other methods, I still have {$5900.00} left to recover.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 non-monetary relief
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XX/XX/2020 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 non-monetary relief
Consumer complaint received 2023-01-28
Company: Bridgecrest Acceptance Corporation
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: Problem with personal statement of dispute

Complaint:
Bridge crest from XX/XX/2016 is still on my credit ... after they have the wrong information on my credit and it's affecting my score. I sent letters and disputed so many times and it comes back accurate results. Please erase Bridgecrest XXXX off my credit. Also it's been 7 years the accounts been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: WELLS FARGO & COMPANY
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:
Wells Fargo utilized personal factors ( discriminated because of identity & last name tied to information from 10 years ago ) but company claims it couldn't verify my identity & " decided that they wouldn't allow me to open an account '' both in XXXX, XXXX XXXX & XXXX respectively

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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
n accordance with the Fair Credit Reporting act XXXX  Account XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01
Company: STATE EMPLOYEES CREDIT UNION
State: NC
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 been a victim of identity theft and the following fraudulent items are appearing on my credit. The fraudulent items are as follows : XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX - ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX  XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX 's, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX , Act Name : XXXX XXXX XXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31
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: Investigation took more than 30 days

Complaint:
due to you not removing these inaccurate items off my credit i am being denied my ability to obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my 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 non-monetary relief
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: NY
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:
PERSONAL STATEMENTS # HK # IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX 2collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections can stay on your credit report for up to 7 years from the delinquency date, but they typically affect your FICO Score less over time. 
6inquiries These lenders have accessed your credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have two different mortgages on a farm and a rental property. I have made payments on my loans online every month with any additional leftover money paid toward principal. Starting in XX/XX/XXXX I  had noticed that Well had been placing money into an unapplied funds account instead of toward principal. I had contacted them twice with continued problems. I finally contacted the cfpb last and was told the problem had been fixed and the case competed. I have tried to make a payment again on my account and AGAIN it has gone to unapplied funds. They are holding money and being paid on this money in interest. This problem has not been fixed.

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 2022-12-08
Company: EQUIFAX, INC.
State: MO
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 NOT a duplicate or a copy...... please read There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 



XXXX- Acct # XXXX XXXX XXXX XXXX XXXX ADDRESSES THAT ARE NOT MINE!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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: Information belongs to someone else

Complaint:
I implore you to take swift action to eliminate the fraudulent inquiries from my credit report since I did not authorize them, and they are causing me significant distress.

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 2019-01-22
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I summit modification loan documents they told me I had 30 day when I talk to them on the phone now bay view loan said is to late I send them all my paper whit the peal letter I need to know they are going to my house for sale not fair please help me my English is not to good

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently submitted a complaint with this company about a debt I knew nothing of. After I received the information I requested. The amount of debt owed is incorrect. I have proof of this. 


The letter attached was turned in to their front office XX/XX/2021. The keys were turned in the night of XXXX, XX/XX/2021 to the after hours drop box ( same location keys were dropped off ). I called out from work by emailing the callout line that same day. 

XX/XX/2021 maintenance man came to my door with my Intent to vacate letter that was submitted to the office. He was addressing the leaking water pipe that no one had came to fix after I submitted a formal maintenance request which is also mentioned in that letter. 

I have submitted a dispute on my credit report as well due to this situation. Please contact me at ( XXXX ) XXXX to get this amount corrected and I will pay the CORRECT amount owed.

Company response to consumer: Closed with explanation