BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My card was frozen on XX/XX/2020, I called Bank of America XXXX XXXX, I was told that my card was frozen due to Identity verification, they told me to contact the unemployment office. I spoke to unemployment and they said a fraud was done in my account and that Bank of America was aware, to call Bank of America to solve the issue. I called Bank of America and they said I had a negative balance of - {$17000.00}. I informed Bank of America that I have never had a unemployment deposit of that amount of {$17000.00}. Bank of America told me to contact unemployment to verify the account. Unemployment began to make adjustment credits to the account after receiving identity documents that verify my self. Bank of America has received {$10000.00} from unemployment as adjustment credits starting XX/XX/2020, and that they will be working on the rest of the amount. XX/XX/XXXX is when I contact the bank to ask regarding the adjustment credits and why my account has not been moved from the negative into the positive? Bank of America informed me that I have to file a claim for all the rest of the balance which included {$11000.00}. A claim was put in after receiving my funding 's, they told me to call XXXX XXXX due to that it takes about 45 days. I called back XX/XX/XXXX, and they informed me that my claim was closed due to that my card was frozen because they had issued a temporary credit. They said unemployment had frozen my card, so I contact the unemployment office and they unfroze my card. They said it would take about 45 days from XXXX in order to receive funds again. I called in XX/XX/XXXX, they informed me that my case has been closed and they have to re open it because someone put my information incorrectly in the system. They told me that my account would be settled by the XXXX of XX/XX/2020 and I have not received anything. I spoke to Bank of America today the XXXX of XXXX and they informed me that my case is open but they don't have a date of when they will return my funds to the account, and they don't have a time limit on when they will provide the new cards or place my funds even though they had a promising date before. I have contacted the FBIC to submit the complaint against Bank Of America, I was informed to reach to CFPB to submit a complaint, I have also sent an emails to the fraud department and to the XXXX XXXX of Nevada addressed to XXXX XXXX on XXXX XXXX have spoken with claims and fraud to get official 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 2020-03-08
Company: Experian Information Solutions Inc.
State: AZ
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:
Bankruptcy chapter XXXX was filed which included the accounts from XXXX XXXX XXXX XXXX XXXX. as stated per the bankruptcy the amount of XXXX was included in the monthly payments made to the trustee t ok pay off the accounts. XXXX XXXX XXXX XXXX XXXX KEEPS ADDING MORE AND MORE AND REFLECTING NEGITIVE MARKS ON MY CREDIT REPORT. DURING COURT HEARING PER JUDGEMENT NO INTEREST A SET AMOUNT WAS TO GO TO THEM AND OUR MEDICAL BILLS THAT WERE INCLUDED. They are the only ones showing that I owe more and more. I've contacted the XXXX, CEDIT BUREAUS AND NOTHING IS BEING DONE. IVE BEEN ON TIME WITH MY PAYMENTS TO THE TRUSTEE COPY OF COURT DOCUMENTS SENT AND STILL SHOWS NEGATIVE REMARKS.

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 2019-10-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Today XX/XX/19 I was made aware of two accounts on my credit report that do not belong to me. The account names are XXXX  XXXX XXXX and XXXX. Neither of those accounts belongs to me. I did not open them and I never gave anyone permission to open an account in my name. I am still trying to figure out who is responsible for stealing my personal information to open these accounts but for now, I have filed a police report. I never made any payments or purchases related to these accounts nor did I ever gain anything as a result of those accounts that were opened in my name. I am willing to work with law enforcement to get this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-16
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I checked my credit report and realized there was an account reporting derogatory. On XX/XX/2019 I mailed Medicredit Inc in regards to account number XXXX. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws of the debt they claim I owe of {$1600.00}. I has been almost two months now and they have not responded to my letter that was sent certified mail on XX/XX/2019. Not only has it been more than 30 days since they signed for my letter on XX/XX/2019, but they also have not updated my credit report to show that this account is in dispute. As a result I am requesting that they have this account removed from my credit report

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 2021-05-04
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person.

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 2020-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Bankruptcy chapter XXXX was filed which included the accounts from XXXX XXXX XXXX XXXX XXXX. as stated per the bankruptcy the amount of XXXX was included in the monthly payments made to the trustee t ok pay off the accounts. XXXX XXXX XXXX XXXX XXXX KEEPS ADDING MORE AND MORE AND REFLECTING NEGITIVE MARKS ON MY CREDIT REPORT. DURING COURT HEARING PER JUDGEMENT NO INTEREST A SET AMOUNT WAS TO GO TO THEM AND OUR MEDICAL BILLS THAT WERE INCLUDED. They are the only ones showing that I owe more and more. I've contacted the XXXX, CEDIT BUREAUS AND NOTHING IS BEING DONE. IVE BEEN ON TIME WITH MY PAYMENTS TO THE TRUSTEE COPY OF COURT DOCUMENTS SENT AND STILL SHOWS NEGATIVE REMARKS.

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 2023-07-20
Company: Experian Information Solutions Inc.
State: AZ
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: Was not notified of investigation status or results

Complaint:
I contacted experian on XX/XX/30 to dispute some information that was not valid and i have not received any response from this company and it has been more than 45 days.

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 2022-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Bank of america is letting people put fraud charges on my account they refuse to enter my information. i keep going into bank with no results they keep taking my money. in 2 months i have had no money. they refuse bto talk to me on phone because there bankers lie and will not put in my info correct. i cant keep doing without money HELP bank of america XXXX XXXX XXXX wa XXXX XXXX XXXX XXXX XXXX XXXX i want to press charges aganist the bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-10
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I was denied credit by Lightstream on XX/XX/2022. I was discriminated against, and my federally protected rights were violated.

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 2019-10-02
Company: Texas Guaranteed
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Trellis Company, the debt collector to whom I have been paying my student loans agreed to accept a smaller portion of monthly payment. After the agreement, they were supposed to send my employer a letter so that they could stop taking payment from my check. It has been almost 2 months, and they have not sent the letter. In the past, I informed them that their method and amount they were taking from my pay was too much and was hurting me economically. They argued that I would have to wait for a hearing from a judge in order to make any changes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 2022-11-10
Company: EQUIFAX, INC.
State: RI
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 confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX-XXXX  Date XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date XXXX inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX/XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/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 2020-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called Capital one credit card in XXXX of 2020, regarding a fee waiver, because i knew that my account was going to be hit for a {$39.00} annual fee, they said they could not do anything until the fee is assessed and posted to the account and that if i called back in i would definitely get it refunded. I called capital one on XX/XX/2020, regarding the annual fee waiver, i noticed i only got a {$3.00} " membership fee credit '' of that {$39.00} annual fee. 

I called and spoke to a representative, they " looked into it '' and said i was " ineligible '' for the entire fee to be waived. I informed them that the rep that i spoke to in XXXX stated that without a doubt, if i called back in i would be refunded that fee. I asked to speak to a member of management, who reiterated that i would not be eligible for the fee refund and i informed her that due to the previous conversation and that it was promised i needed to speak to her manager, or the manager of the previous representative i had spoken to. she stated that she did not have anyone else she could escalate this up to, and that she could not get me in touch with the other representatives manager. 

at this point i ended the call after verifying that we were on a recorded line, and informed her that i would need to speak to an attorney regarding this matter. 

in order to keep my business with capital one i attempted a call on XXXX to see if there may have been a mistake and if i was able to get that fee waived or if there was another way i could get a better benefit like a balance transfer with 0 % interest that would offset the annual fee that i am going to have to pay, in which i was told that the offer that i was eligible for, was 13.99 % on balance transfers, which would not save me any money. 

at this point i would like capital one to credit my account for the annual fee, which was promised to me in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/XXXX and XX/XX/XXXX I notified XXXX and Equifax and they continue to report the same bankruptcy twice. I will attach all documentation that I have sent to them. I even contacted XXXX XXXX and they totally ignored request to validate. 

Double Reporting : XXXX Equifax XXXX Court Name XXXX XXXX XXXX XXXX XXXX Docket Identifier XXXX Type BankruptcyXXXX Account Ownership Type Attorney Name Disposition Type Dismissed Disposition Date Filed Date XXXX Paid Date Settled Date XXXX Consumer Dispute Indicator N XXXX Equifax XXXX Court Name XXXX XXXX XXXX XXXX XXXX Docket Identifier XXXX Type BankruptcyXXXX  Account Ownership Type Attorney Name Disposition Type Dismissed Disposition Date Filed Date XXXX Paid Date Settled Date XXXX Consumer Dispute Indicator N XXXX Equifax XXXX Court Name XXXX XXXX XXXX XXXX XXXX Docket Identifier XXXX XXXX Type BankruptcyXXXX BankruptcyXXXX Account Ownership Type Attorney Name Disposition Type Dismissed Dismissed Disposition Date PUBLIC RECORDS The following public accounts are recorded in your credit report. 
Disposition Date Filed Date XXXX XXXX Paid Date Settled Date XXXX Consumer Dispute Indicator N N XXXX Equifax XXXX XXXX Name US BANKRUPTCY COURT Docket Identifier XXXX Type BankruptcyXXXX Account Ownership Type Attorney Name XXXX XXXX XXXX Disposition Type Dismissed Disposition Date Filed Date XXXX Paid Date XXXX Settled Date XXXX Consumer Dispute Indicator N

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions 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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 2022-11-10
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX a thief breaking in to my car and rob my purse with my driver liscense ; my debit card ; banking cards and my Credit cards i call the Police i reportevery institution about it but they still tryand went to the Banks and tried get money from my accounts ; they did get money from my truist bank it happen on XX/XX/2022 ; i wish somebody can be more alert with this froud and ill be better if they alert me at any suspicion of fraud thanks

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 2023-06-07
Company: Experian Information Solutions Inc.
State: KY
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my 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

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