BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was approved for a XXXX credit card back on XX/XX/2022. I was only able to use around {$690.00} dollars from that limit because after that all my transactions have decline. I tried calling Bank of America and now they are saying my account is under review and the only way to lift that restriction is to go to the bank with two forms of Id. Im XXXX XXXX XXXX and XXXX  have no interest in showing up in a branch especially not Bank of a America that they take hours to see you. I read my terms and conditions and no where in there it says I have to go to the bank to verify unusual activity on my account. They are violating my rights they approved me and now they do r allow me to use it or to pay it off so I can close This account. Its very sad since I was a Bank of America costumer for almost 40 years. I want the restriction of my account lifted or to be able To make Payment and close it out. Would not reccomend BOA

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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2022-07-22
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had updated. Due to Bureaus lack of response which I classify as frivolous, XXXX, Equifax, and XXXX have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them one more chance to correct their errors and update my records. Please update the following accounts, which CREDIT BUREAUS have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to FIX the accounts listed below : XXXX XXXX XXXX XXXXXXXX XXXX Balance {$7700.00} ; XXXX XXXX XXXX Balance {$8200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Experian Information Solutions Inc.
State: WI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX, I co-signed for a loan for my niece who is XXXX XXXX XXXX XXXX The next day I checked my credit score through credit journey saw my brother 's credit was now listed with my credit information. I contacted the XXXX dealership in GA who denies making the error. The Dealership reported the accounts were mixed when that ran my credit report with Experian on XXXX, but stated they used information from XXXX and process the loan. I contacted Experian on XXXX, and learned our information was mixed and my account was flagged so that would not happen again. I requested from several agents who mixed our information. I was not given that information as they kept saying they could see that information. I called back on XXXX, and requested to speak with a supervisor and spoke with XXXX who told me that someone would call me in XXXX hours. That never happened. I called Experian again on XXXX, and learned that now I could not get that information as the problem has been corrected. I explained that every time I called I requested this information. I was also in informed by the Supervisor XXXX, that I need to file a compliant with this office and should look up the information. XXXX wanted me to believe that XXXX of my brother 's creditors linked all our information all at one time on XXXX. I told her that sounded outlandish. I was told that now I could not learn that information because the problem was not fixed. Someone should not be allowed to have more access to my credit information or report incorrect information and not beheld accountable.

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 2022-07-22
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$52.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$76.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$160.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX LA XXXX, LA XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Potentially effected by Wellsfargo. I had a checking savings and car loan during XXXX. I have attempted to contact customer service.

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 2021-06-18
Company: WELLS FARGO & COMPANY
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I got this company named XXXX XXXX XXXX called to my son from the phone number XXXX and told him that they have a legal case against him. He got nervous and tried to get some information then they noticed that they called the wrong person. They provided with the case number XXXX to him to ask me to call them back. 

I called and they said that they have a summons to serve me because I'm being sued. I asked who is filing that and she said that I have fraudulent opened and some other retoric with legal terms words to tell me that I commit a federal fraud. Of course I got scared, then asked for details and she said that was a bank account in Wells Fargo opened from XXXX to XXXX. I claimed that I ad contact the bank because 2 years ago I got same call and at the bank they have nothing. My last account was closed with XXXX balance. And the collector is asking for {$1200.00} including fees and interest. Checking my rights I found that I don't have to pay fees or interest not previuosly signed and accorded. Also this account is way out of the statute of limitations, we're talking about 9 years at least. 

When I told them about my rigths she said that this kind of lawsuit will not be protected for the Statutes of Limitations because is considered like a federal student loan and protected by federal agencies. I didn't found anything saying that. I don't know if that is true but to me they fail since they contact the wrong person telling him that they will act legally against him.

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 2023-12-12
Company: EQUIFAX, INC.
State: FL
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 non-monetary relief
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: TX
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 2022-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
To Whom it May Concern, I have reviewed my consumer report and discovered your company has misused its authority in communicating with the credit reporting agencies. 

The line of credit I extended with your company ( CAPITAL ONE ), regarding ACCOUNT NUMBER XXXX According to CONGRESS you are in VIOLATION OF FCRA 15 USC 1681a ( 2 ) ( A ) ( i ) ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681sXXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IN FACT, the law states that EXPERIENCES ( UTILIZATION, LATE PAYMENTS, AND INQUIRIES ) between the consumer ( XXXX ) and the person ( YOU ) ( CAPITAL ONE ) making the report should not be included on my consumer report. 

You have seven ( 7 ) days to UPDATE MY BALANCE TO {$0.00} AND DELETE THE UTILIZATION FOR THIS ACCOUNT, REMOVE ALL LATE PAYMENTS STARTING FROM XX/XX/2019 TO CURRENT AND FUTURE MONTHS, SHOW THE ACCOUNT AS BEING IN GOOD STANDING, and REMOVE ALL INQUIRIES DERIVED FROM YOUR COMPANY ( CAPITAL ONE ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act XXXX Accounts listed below, 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 an account without my written instructions. 

Negative Accounts : Account Number : Ending in with XXXX Original Lender : XXXX XXXX XXXX  Date Assigned : XX/XX/XXXX Original Balance XXXX Reporter : TransUnion Account Number : Ending in with XXXX Original Lender : XXXX XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Original Balance XXXX Reporter : TransUnion Reported incorrectly as Charge off, this was paid on time and in full. 

Account Number : Ending in XXXX Original Lender : XXXX XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Original Balance XXXX Credit limit : XXXX Reporter : TransUnion XXXX XXXX % Reported incorrectly as 30 days past due on XXXX and XXXX. Please remove and replace with paid as agreed as this is incorrect, I was never 30 days late. I have payment records and receipts. 

Account Number : Ending in XXXX Original Lender : XXXX XXXX XXXX XXXX XXXX Original Balance XXXX Credit limit : XXXX Reporter : TransUnion XXXX XXXX XXXX Reported incorrectly as 30 days past due on XXXX. Please remove and replace with paid as agreed as this is incorrect, I was never 30 days late. I have payment records and receipts. 

Inquires : Please removed listed inquires as these are not my accounts nor did, I authorize for them. 

XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX TransUnion XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  : XX/XX/XXXX TransUnion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are accounts on my credit report that were open fraudulently by a former partner who was abusive towards me. These accounts are reporting on my credit report with XXXX, XXXX, and Transunion and want them remove as I never consent for the accounts to be open. Having these accounts on my credit report cause me XXXX  and XXXX  me since I was a victim of domestic violence as well as identity theft. 

The accounts reporting on my credit report include : XXXX XXXX  XXXX account shows paid off XXXX XXXX XXXX account shows paid off XXXX  XXXX XXXX XXXX account shows paid off XXXX XXXX XXXX account shows paid off XXXX XXXX XXXX XXXX and XXXX account shows paid off XXXX XXXX  XXXX which was formerly own through XXXX XXXX - collections XXXX  XXXX XXXX - Balance of XXXX XXXX XXXX- Original debt XXXX was paid off XXXX XXXX  XXXX Amounts of XXXX and 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 2022-01-13
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and 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 2021-06-20
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
My mortgage was fully paid off, but Freedom Mortgage withdrew an additional mortgage payment from me after the mortgage was paid off. I have sent a secure message and have no response at all after allowing ample time for a response. This amount I could have invested and I believe there should be a penalty or.interest paid on the amount that was incorrectly withdrew. Freedom Mortgage has acted in negligence.

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 2020-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Old information reappears or never goes away

Complaint:
Dear, Im XXXX years old and trying to refinance my home but there are two disputes on my credit report ( XXXX  ) that never go away and XXXX XXXX handling of disputed tradelines ( XXXX ) I dont have an account with them and B of A Can not find either but the last accounts number XXXX and XXXX And can caused financial injuries if I can not refi. 
Please see attachment

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 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have a loan with XXXX XXXX. On XX/XX/2022, my debit card that was on file to make monthly automatic payments was compromised due to suspicious activity. As a result, I was issued a temporary debit card and a permanent debit card from my personal bank within a one-month timespan. Because my automatic payments could not be made with my initial debit card, I received an email from XXXX XXXX  notifying me to update my payment information. I immediately updated my card information with the temporary card in XXXX and the permanent card in XXXX. XXXX XXXX  refused to charge my card ( s ) the day I updated my payment information. As a result, there were two missed payments that appeared on my credit report and my excellent credit score dropped by XXXX points. 

I would like to report that XXXX XXXX  intentionally did not take out the amounts I owed in XX/XX/2022 and XX/XX/2022 and as a result, my credit score has plummeted. 

I was put in contact with XXXX XXXX from the Office of the Chairman who admitted that there was wrongdoing on XXXX XXXX  's part but will not correct the issue. It is extremely deceptive to email consumers to their update payment information, but not indicate that a payment will not be made immediately. XXXX took my feedback to improve future communication with customers on her end ; however, refuses to resolve the issue that has impacted me. 

Ive filed complaints with the Consumer Protection Finance Bureau and saw other consumers who were in a similar situation who had this issue resolved. XXXX XXXX is not a consumer-friendly bank, but rather a collection agency. The company asks customers to put a credit card on file as opposed to the account number of a banking account to take out automatic payments for a loan. This is a malicious way to conduct business. There are customers whose debit cards may expire, be compromised, etc. and they are unable to make a payment due to no fault of their own. XXXX XXXX  intentionally wants to destroy the health of consumers credit with their misleading practices. 

Furthermore, there is nothing in the terms and conditions that states that a payment will not be processed the day that a consumer updates their payment information. I've asked numerous times for the terms and conditions that shows that a payment will not be processed as soon as a customer updates their payment information. My request continues to be ignored. 

Please see email attached that shows the lack of clarity for when a payment will be made once a consumer updates their payment 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 non-monetary relief
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: VA
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:
File fraudulent claim with XXXX and the police division # XXXX. This is not my account. 

XXXX XXXX XXXX - XXXX {$7700.00}

Company response to consumer: Closed with explanation