BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am the Power of Attorney ( POA ) for XXXX XXXX XXXX! My POA was created by my Attorney, signed by XXXX XXXX XXXX, and legalized by a notary public! XXXX XXXX XXXX has checking and savings accounts with Bank of America. Thru XXXX and XXXX I have been attempting to create a Payment on Death ( POD ) account for the beneficiaries identified by the will. My first request to Bank of America created this response, " the bank is unable to review the POA because the POA presented does not reference any specific United States state or territory statutes. Please provide an Attorney Opinion letter with respects to governing law ''. My lawyer, who wrote the POA has never heard of an opinion letter, so what i did was i included the fact that the beneficiaries were born in the United States and resubmitted and the response from BoA was '' provide appropriate court documents, an Attorney Opinion Letter or statuary authority that allows the Attorney in fact to act on the behalf of the estate representitive. '' In between my 2nd and 3rd attempt I got a survey from the BoA and it was not a flattering response from me so i get a call from the bank manager telling me that he and his boss were going deal with issues that i have raised. Will that did nothing. So my 3rd attempt generated this response from BoA, Unfortunately we're unable to accept the POA that you presented to act on behalf of XXXX XXXX XXXX. WE believe in good faith that the POA isn't valid and doesn't have the authority to perform the act requested '' I have sent the BoA the WILL, XXXX XXXX 's death cetificate and the POA. My POA has been accepted by other institutions without any issues at all! BoA says contact your lawer! My lawyer ( the one who created the POA ) is very agitated himself because the actions of the BoA, questioning his POA! " Has never happened before '' he says. The BoA just seems to be finding ways not to help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: Experian Information Solutions Inc.
State: TX
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.

The letters are stated with items and issues. 

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 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 2023-08-28
Company: PENTAGON FEDERAL CREDIT UNION
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Penfed Credit Union is taking advantage of my ignorance towards the consumer debt laws. They did not update my payment status and account status which is hurting my credit score to this day after paying in full through the debt collector they sent after me... They still have my status as " charge off as bad debt and unpaid. When I paid in full 2 years ago. I need Penfed Credit Union to take responsibility and fix this issue asap. They are not a good bank for this and I wouldn't recommend. I have been trying to contact them and let them know i paid in full already and stating they need to update my credit card account on their end. I have letters and proof of contact and form stating I paid in full settled. All I request once again for the numerous time to please update my payment status as '' Paid in full '' nothing more nothing less for the payment status.

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 2023-08-28
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023, I mailed LVNV Funding LLC an initial letter requesting full debt validation of the alleged debts in question : Account # XXXX, # XXXX, # XXXX, # XXXX ) via Certified Mail. LVNV Funding LLC received my initial letter on XX/XX/2023. After XXXX days, I did not receive a response from LVNV Funding LLC XXXX so I mailed my second letter requesting full validation for the alleged debts in question again via Certified Mail on XX/XX/2023. LVNV Funding LLC received my second letter on XX/XX/2023. After waiting for an additional XXXX days, LVNV Funding LLC failed to send their responses. 

Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify the alleged debt ( s ). 

I enclose copies of my requests to the collection agency, asking them to validate these alleged debts, and the receipts showing that I sent these letters certified mail. These debts are not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

As a consumer, it deeply concerns me that, despite my written disputes and the absence of proper debt validation, LVNV Funding LLC has continued to report these alleged debt ( XXXX ) on my credit reports as of XX/XX/2023, which is considered a collection activity, according to 15 U.S.C. 1692g ( b ). This persistent reporting constitutes a clear violation of the FDCPA and is causing me significant distress. I do not know who LVNV Funding LLC is, nor have I ever done business with them or been lent any money by this agency for me to owe such alleged debt ( s ) nor do I agree with these alleged debt ( s ) on my reports as I never signed anything with such agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: Experian Information Solutions Inc.
State: TX
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 am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX Bankruptcy Case Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX  Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT 4. The following personal information is incorrect Account Number : ALSO KNOWN AS : 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 2022-01-03
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Please be advised after careful review of my consumer report I have come across the following items on my report. 

XXXX XXXX Account number XXXX There are multiple inaccuracies regarding the reporting of the said alleged debt. 
This account is currently reported as charged-off. 
This account exceeds the 600 dollar threshold, I was never sent a 1099c which this account qualifies as realized income. Furthermore with this account now being considered income this account no longer falls within the guidelines on the FCRA as debt and now must be removed from all credit reports in compliance with 15 U.S. Code 1681e - Compliance procedures, ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Delete these accounts IMMEDIATELY Failure to respond satisfactorily with the above account deleted from these referenced accounts and send out a free copy of my report after said changes have been made will result in legal actions taken against your company, for which I will be seeking {$1000.00} for each violation for : Defamation of character ( per se ) Negligible enablement of Identity fraud Fair debt collection practices act 15 U.S. Code 1692g violations fair credit reporting act 15 U.S. Code 1681 violations for willful noncompliance 616 civil liability for willful noncompliance 15 U.S. Code 1681n Signed XXXX XXXX enclosed is a copy of my ID and proof of address

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Unauthorized Charges by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo returned XX/XX/XXXX {$54.00} Wells Fargo states ther is nothing else they can do. 

I reached out to XXXX XXXX  They tell me there is no history on there end

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 2023-01-27
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:
Disputed information on my report, and nothing was done iam a victim of identity theft I have police report to prove it aswell

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 2022-01-03
Company: EQUIFAX, INC.
State: PA
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 pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Asset Management Outsourcing, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2018 at XXXX, I attempted to contact XXXX XXXX XXXX to set up a payment plan on an account that I previously owed. At one point in time, I was set up on payments for this account but I was unable to continue making the payments. When I contacted them, the lady that I spoke with told me that in order to get me set up on a payment, I would need to provide them information regarding my personal finances. I told them that I was not comfortable providing that information, nor per the FDCPA was I required to provide this information. I told them that I could set up payments semi monthly in the amount of {$30.00} ( a total of {$60.00} a month. ) The woman told me that she was unable to set me up with that amount. Seeing as I work in Compliance for a collection agency, I do know that it is a violation of the FDCPA that they can not refuse any amount that I am willing to pay. I do have a copy of the call on my phone as well as I do record all of my calls, as well as they record their calls. Due to the illegal practices of this company, I want this debt removed from my credit report and for the account to be closed. I will continue to file complaints until this has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Dear CFPB, IRS, XXXX, XXXX, TRANS UNION, XXXX XXXX XXXX I am writing to demand the deletion/removal of an unlawful and inaccurate report on my consumer report. XXXX XXXX XXXX has unlawfully given my nonpublic personal information, personally identifiable information, financial information without my consent to a third party. This is clearly stated in the Fair Credit Reporting Act in section 604 ( B ). I have not given consent, written instruction or permissible purpose for this to be reported, shared or sold. This is also a breach of the arbitration agreement. Furthermore XXXX XXXX XXXX has harassed me constantly even after me telling them they legally need to cease and desist. These are all violations of the FDCPA, FCRA, XXXX, XXXX, this is also fraud identity theft, harassment. I demand the account be removed by all credit reporting agencies and the 3rd party. In addition to the deletion of the account and rapid rescore I expect my privacy right to be respected and I expect all parties to act in accord with the law. Including all applicable tax law. This illegal, unlawful and inaccurate reporting is damaging my credit worthiness and if it continues I will be forced to alert the SEC, FTC, IRS and every applicable legal entity to resolve this matter. There are also several violations of state law. Rather than pursue all of these in court, I simply demand the item be removed in accordance with the law. Then all parties are made whole. Any further communication that doesn't involve removing the account will be considered a failure to cure. This is a notice to all parties involved that any further non compliance will be considered willful. Please be advised that this is my request asking you to remove the unverified account on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report as well. I demand that you remove the account from my credit report immediately. If you do not comply with this demand within 30 days, I will be forced to take legal action.

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 2023-05-03
Company: EQUIFAX, 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:
Someone stole my personal information and open fraudulent accounts, which also led to me acquiring un-authorized credit inquiries on my consumer reports. 

To make things worse, XXXX and Equifax duplicated some of the fraudulent accounts and reported some more than ones ( under different names, account numbers and varying balances ). In other words, instead of having one negative account reporting I would have two or in another instance three of the same account... all reporting negatively! It has been over 3 months of trying to resolve this identity theft/error reporting with XXXX and Equifax, but all to no avail. 

I have even sent them letters from collection agencies stating that they have " terminated all collection actions on those fraudulent accounts after their investigations, '' yet, XXXX and Equifax refuses to remove them off my consumer report. 

Additionally, a debt collector by name XXXX XXXX XXXX ( XXXX ) who is furnishing one of the fraudulent accounts refuses to honor/accept my FTC fraud affidavit report and has insisted on demanding that I provide them with a " police report '', which according them is " the only way they will investigate and/or remove it off my credit report ... because FTC report doesn't mean anything to them ... anybody can make a claim using FTC and they respect nor accept it ... we refuse to accept it until you provide us with a police report ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Experian Information Solutions Inc.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM 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 explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize any of these inquires on my credit report 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 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 2023-07-28
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-05-03
Company: EQUIFAX, 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 confidentiality under 15 USC 1681. 


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 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 accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On Saturday, XX/XX/XXXX, I spoke with XXXX XXXX regarding a settlement on my loan. That day we agreed that I would pay {$14000.00} on Tuesday, XX/XX/XXXX. Moments later, the settlement offer was sent to me via XXXX XXXX. I did not sign because the address that was listed on the contract was incorrect. When I asked them to send a new copy, XXXX, promised that I would receive the new copy the morning of the XXXX. 

Today is now the XXXX and the company has refused to send me a new settlement letter. I have called 6 times today, starting from XXXX - XXXX EST. Each time a representative has told me the document would be sent shortly and it is never sent to me. 

The reason for my complaint is that each day that passes, without the payment being made, I will incur more interest/late fee charges. A rep from the company told me that I would pay without receiving the settlement letter. However I refuse to make a payment until I have the document and have signed it. 

All I would like to do is pay my settlement loan and be done with it and for whatever reason they are holding me hostage.

Company response to consumer: Closed with explanation