BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-15
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:
I received, in XXXX 2022, a postal letter from Bank of America ( attached to this complaint ) offering a " {$300.00} Checking Offer '' by 1 ) opening " a new Bank of America XXXX Banking account by XX/XX/2022 '' using the " unique offer code '' and 2 ) setting up and receiving " Qualifying Deposits totaling {$4000.00} or more into that account within 90 days of account opening ''. Although I had a Bank of America credit card, I had never had a bank account with Bank of America prior to receiving this letter. As per the letter, I opened the account online ( at bofa.com/SpecialOffer ), entered the unique offer code ( XXXX ) and instructed my two employers to deposits my paychecks to this newly-create Bank Of America checking account. 

I opened the checking account on XX/XX/2022 and had my first paycheck/direct deposit of {$4100.00} on XX/XX/2022. I had a second paycheck/direct deposit ( from my second employer ) of {$5500.00} posted on XX/XX/2022. As per the terms of the offer, sixty ( 60 ) days have passed since satisfying all the requirements, but the {$300.00} bonus was not deposited into the account. 

Over the last few days, I called 4 times, wasting more than XXXX hours with customer representatives, trying to get this issue looked into and resolved, without success. I was told that the offer did not exist and that they could not find it in my account or on their system. I was given other phone numbers to call, only to be redirected to the same customer service. A presentative even hanged up on me while researching the offer code. Today, XX/XX/2022, I went to my local branch with the same result : they could not find the offer and requested that I call a customer service representative. 

I am extremely disappointed with this turn of even and the time I have wasted on attempting to resolve this issue. Had I not received this letter from Bank of America, I would not have signed up for this bank account nor would I have asked my employer to send my paychecks to it. I actually thought that I would make my Bank of America my main bank service provider, along with XXXX XXXX, but this experience is making me reconsider that choice...

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 2023-10-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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  XXXX Account XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 XXXX 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 2022-02-21
Company: Resurgent Capital Services L.P.
State: CO
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:
Fraudulent Account : XXXX I have contacted LVNV Funding LLC, via XXXX XXXX and XXXX XXXX on several occasions to inform them that they opened credit card account with STOLEN information. I have provided a police report that states that my driver 's license was stolen. However, the response I have received states that the address on the license, is the same as what is on the account. No surprise given that this account was opened using stolen information. Because you have been unable to show me the drivers license used to open this account, I have retained legal counsel and can prove that I was NOT present nor living in the country at the time this account was opened and maintained with other accounts that were also opened fraudulently. We have direct communication from the banks to this effect. We have filed a new police report against your company stating that you used stolen documents and information to open this account. 
I was told to make contact once more with your company, to have them remove this account from my credit report, before contacting the courts. 
WARNING!!! I do have a copy of my passport which shows a " country stamp '', proving that I was out of the country i.e. The United States of America where this account was opened!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account : has violated my rights : XXXX - XXXX - Late Payments 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX I contacted Capitol One National bank and spoke with a Senior Account Manager, XXXX ID # XXXX. 

I shared with XXXX XXXX that in XX/XX/XXXX capital One gave me a line of credit worth {$3000.00}. Oh I informed her that national banks did not have the power to lend their own credit. That my credit was extended to me. Capital one representative stated that capital one gave me a loan of credit. Which makes no sense considering the definition of credit pursue it title 15 USC 1602F. But I went along with her and said OK if it was a loan where did capital One get the credit too long to me? She stated that the line was credit was given on behalf of capital one that the line of credit was not in tangible cash but it was supposed to be US dollars. 
I informed the Capital One representative that banks were committing fraud by creating checkbook money and intimidating consumers into paying them back in US dollars. I shared that along with other information in regards to the fraud that capital One has been committing. I ended the conversation telling the representative that I would like my balance to be zeroed out. She shared that she could not do that and advised me to send a letter to headquarters in XXXX Virginia. She stated that there was no one above her that I could speak with in regards to this issue and that she would know my account. Which means nothing. When I asked her what she would put on the count she stated she would put that guy did not want to pay the balance. Which is not true, I am willing to pay if capital One can prove that they gave me something. Capital one representative have shared that they gave a line of credit. We know that banks can not extend their own credit therefore my credit was given to me. Before capital One to request that I pay them back something that was mine is fraud in bad business. 


Ref # : XXXX Also, All conversations that I have with Capital One representatives are recorded and I have recordings in my possession. Recordings contain Capital one representatives agreeing to the fraud taking place on behalf of capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX date open inaccuracy with all 3 credit bureaus {$1000.00} - original creditor XXXX XXXX I have not supplied proof under the doctrine of estoppel in silence Engelhardt vs Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alledged debt, nor therefore any such debt, in fact therefore exists. 

Sources Recievable Management XX/XX/21 $ XXXX original creditor XXXX XXXX  I have not supplied proof under the doctrine of estoppel in silence Engelhardt vs Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alledged debt, nor therefore any such debt, in fact therefore exists. 

XXXX XXXX XXXX Collections closed due to inaccuracy but needs to be deleted. See attached credit bureau response after re-investigation. I have not supplied proof under the doctrine of estoppel in silence Engelhardt vs Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alledged debt, nor therefore any such debt, in fact therefore exists. 

Credit bureaus are to report 100 % accurate information by law, the above companies were asked to investigate and provide proof of accuracy of these alleged accounts by item of signed contract, note, or instrument showing the accuracy of these accounts and they have failed to do so. These accounts are negatively affecting my credit profile and leaving me under 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 explanation
Consumer complaint received 2022-02-21
Company: NAVY FEDERAL CREDIT UNION
State: MI
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:
Upon pulling my consumer report I noticed inquires from companies Ive done no business with or applied for employment with. These inquiries are false and inaccurate and should be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 2022-11-15
Company: Texas Guaranteed
State: TX
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:
When the initial federal student loan pause was commenced i continued to make voluntary payments until around XXXX of 2021 when I was made aware that i did not have to make the payments and in fact could receive a refund for the voluntary payments i had made since the pause had began. The refund amount was sent for {$1700.00}. My Loan servicer, Trellis company, sent out the refund check and it was lost in the mail. The loan servicer required 90 days to elapse before a new check can be issued. After the 90 day wait time a new check was issued however this check was intercepted and fraudulently cashed.On XX/XX/2021 I cooperated with the loan services providing an affidavit that was notarized indicating that I am willing to press charges to the fullest extent of the law against whomever fraudulently cashed my check as well that i was not involved. This process with trellis was initiated almost a year ago approximately. I spoke to Manager XXXX XXXX and his supervisor XXXX and explained my situation. XXXX advised me that i need to contact Trellis company 's bank, XXXX XXXX  for additional information. I did reach XXXX XXXX ( relationship manager at XXXX XXXX  ) I again explained the situation and was advised that now XXXX XXXX XXXX  ( where the funds were fraudulently cashed ) is causing the delay in the fraud investigation. Again it has been over a year with no response from XXXX XXXX  or XXXX XXXX XXXX I have maintained communication with both frost bank and trellis company throughout this process via email and telephone calls leaving voicemails and never hearing back. Trellis company contact number XXXX XXXX bank relationship manager XXXX XXXX XXXX XXXX I dont have information for the XXXX XXXX loss preventention department. i also further believe that my loans were rehabilitated and then due to internal errors between dept of ed and loan services was then back in default. If you review the loan history you can see a history of payments so the fact that the account was rehabilitated and then went right back into default was news to me. I believed that my loans wer not in default since the had gone through the rehab process.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}. Please remove these accounts as soon as feasible.

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 2022-11-15
Company: Eastern Account Systems of Connecticut, Inc.
State: VA
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:
In XXXX of this year I went to XXXX to begin cell phone service since I had just gotten a divorce and wanted a new phone and account. At that time I was told they could not offer me service because I had an outstanding bill. I have never had an outstanding bill. So I called XXXX and they directed me to a website that looked unofficial. On that website all it said was to fill out the form and submit my drivers license, social security card and other personal date that I was not willing to submit. I did speak to the collections agency a month later and they said not to worry about it because it was being being reported. I have had medical issues since then so I dropped it. Now I have disputed it through experience two times and no one can give me proof that it was my account. The company can not prove that I bought anything or signed anything from XXXX at my home address. 

I need to know what next steps I can take to repair my credit Thank you XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account was opened fraudulently attempts have been made to get the account removed from my credit report.I have disputed the account requesting proof the account was mine. Iv requested documentation showing XXXX # XXXX has the authority to collect from me. Iv contacted XXXX # XXXX directly and paid a balance that I was not supposed to in agreement that they would remove the account from my report. This account has been paid in full that was coursity on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: MD
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2022-02-21
Company: Tower Loan of Mississippi, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I was unemployed for a little over XXXX XXXX  following a near fatal motorcycle accident ( a hit and run ) that ended with XXXX broken bones and a XXXX  long hospital stay. Ive had XXXX XXXX  over the last XXXX  months and finally returned end of XXXX to work. Ive been struggling to pay all of my bills and have been denied assistance during this time. Once back at work, I XXXX  XXXX and was unable to work for almost XXXX weeks. I am XXXX  days late on my personal loan with Tower Loan and they have begun to contact my extended family and abusive ex that stole money, belongings, and my cat from me. XXXX told my ex today, Monday the XXXX, that I am in delinquent status on my loan and that I owe them money. He is now holding that over my head as well and making it publicly known.

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 2020-10-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Lost card and requested new card to pay the bill online. XXXX not sent credit card in right time to register at online pay the bill. 

Now, they are showing 30days delay.

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