BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE 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 2023-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Description of complaint : In XXXX, I spoke to BofA 's to cancel my owner 's HO3 policy for insurance on my new home. I was advised the HOA Master Policy covered it. I spoke with the insurance team and sent them a copy of the Master Policy on XXXX, and was told it was sufficient. Well 2 mortgage payments later, in XXXX, the escrow was still inclusive of the owner 's HO3. I called BOFA again, spoke with a representative that said she will have the insurance removed, but instead she attempted to cancel the entire escrow. I received notice that it was denied, on XX/XX/XXXX, so I called back and was told that they would correct the request, and resubmit, and I had to cancel with my insurance company. On XX/XX/XXXX, i got an email that it was denied again. I called back and was then advised that it would take 30 days to process, and that XXXX would not include the insurance, but it did. I called on XX/XX/XXXX and spoke with 2 mgrs - one named XXXX, who finally advised she contacted the insurance team and confirmed the HOA Master Policy was sufficient, and that the insurance team would clear it up witihin 30 days, as it had to go through the final steps, and any money owed would come back in a check. She told to continue paying the full amount in the interim. Today, XX/XX/XXXX, i received a call from " XXXX - XXXX XXXX in PA '' stating she needs proof of insurance. I asked her why, she said she didnt know and transferred me to inurance. Insurance representative XXXX said she sees the policy was cancelled and the Master Policy was proven ok, so she transferred me back to customer service to get the policy removed. She merged customer service, - who said insurance would do it. XXXX XXXX wouldn't speak to me again, and the had her agent transfer me to insurance manager XXXX, who hung up on me. This is very unprofessional and high level incompetence. I will let social media know that BofA is a horrible morgage servicer, as my house is the only thing in jeopardy due to their incompetence. And mgmt doesn't care. Im a sad First Time Home Buyer. The only ones that can resolve my issue dont care enough.

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I received an email alert from XXXX stating that a Hard Inquiry from XXXX was done. 

Today, I contacted XXXX to dispute the Inquiry. They said it will be removed and to contact XXXX XXXX. In addition, XXXX asked if I was interested in a freeze that would restrict new inquiry to require my authorization. As of today, the Freeze should be in place. 

I contacted XXXX XXXX XXXX department to be transferred to XXXX XXXX. They confirmed an application was received and approved. XXXX XXXX has blocked the card as of XX/XX/XXXX. They stated no cards were mailed. I was advised check with the U.S. Post Office to verify if any fraudulent change-of-address were filed. 

I am in the process of reporting the fraudulent inquiry to TransUnion and XXXX. I am also checking with the U.S. Post Office for any fraudulent address change request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Bank of America XXXX XXXX XXXX, XXXX Florida XXXX is using my personal identifying information to open fraudulent bank accounts. This is the 3rd occasion and all have been reported to their fraud department after hours og being on hold. Bank of America has not closed the 3rd account at my request and remains indifferent to the fact that this is the 3rd time a fraudulent account has been opened. Bank of America has charged fees on the most recent fraudulent account although no transactions have taken place on any of the accounts. Bank of America has not reversed this fee although miniscule. Bank of America has also refused to put in place any measures in place to prevent further fraudulent activity in my name. Bank of America has requested more PII from me in order to complete the claim and close the account. At no time have I opened or wished to have an account with bank of America. No other fraudulent activity using my PII has occurred.

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 2023-05-23
Company: EQUIFAX, INC.
State: GA
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 rights to privacy and confidentiality under 15 USC 1681. 

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

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

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX Account # 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 an 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 conviction 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 2023-07-01
Company: EQUIFAX, INC.
State: GA
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 was shopping for home and I am very displease and disappointed that I found fraudulent and illegal accounts on my consumer credit report. I was recently in a breach with Equifax and XXXX so that lets me know that my information have been exposed. However, I am under the impression that my information should always be protected. Now that these fraudulent accounts have come to my attention, you guys are violating me. Under 15 usc 1681g my consumer credit report should be secured and if not, The credit reporting agencies can be sued immediately. This is a defamation of character and is causing emotional stress on me and my family. I am trying establish a home and I need you guys to remove these illegal accounts immediately! This is also destroying my livelihood and should no longer be neglected. I will be contacting the CFO of each credit bureau to complain because this is not fair. Please respond immediately with removing and blocking this illegal accounts so i can successfully buy my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: CL Holdings LLC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I found out that I was sued by Jefferson Capital Systems , LLC and a civil judgment had been declared by the XXXX XXXX XXXX XXXX. The case number is : XXXX. Jefferson Capital Systems file number is : XXXX. 

The judgment was made on XX/XX/XXXX. On XX/XX/XXXX I received another notice from Jefferson Capital Systems from a XXXX XXXX XXXX XXXX, CO. The amount of the debt listed is {$1800.00}. This is astronomical for a credit card with a {$300.00} credit limit. Also of note is the fact that my last name when married was, " XXXX '', and it was legally changed back to my maiden name, " XXXX '' after my divorce was finalized in XXXX of XXXX. The notices I have received are addressed to " XXXX XXXX ''. This also makes me question the statute of limitations on this debt. 

I looked up the case number above and discovered that the case was closed years ago. I am questioning the legality of continued attempts to collect on this debt and potential violations of the laws regarding consumer debt collection practices. 

I am also XXXX and my only source of income is XXXX and I have not worked since XXXX of XXXX. 

I would appreciate your help in this matter as Jefferson Capital Systems has a long history of fraudulent debt collection practices. 

Thanks in advance for your help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: CADENCE BANK
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XXXX XXXX, 2022 I was checking bank statements from an account that I had not used recently and discovered a {$5.00} fee on my checking account with Cadence Bank. The account had never had fees charged in the past. This fee had been charged for the past 6 months ( {$30.00} total ). I had not been regularly checking the statements as I knew I had not been moving funds in or out of the account recently. 

I contacted Cadance Bank 's customer service number and was informed that the charge was due to inactivity on the account. I asked if they could point to where in the customer service agreement they had the ability to charge a fee for inactivity and they stated that if they deem the account " abandoned '' they can begin charging additional fees. No where in the terms of service is this {$5.00} fee listed or any information given on when they can classify an account " abandoned ''. I was also given no warning that these fees would begin to be charged. 

I visited a local branch at XXXX XXXX XXXX, XXXX, XXXX and spoke to the Branch Manager about the charges. She stated that it was my duty to monitor my statements and report any fraudulent charges by the bank. This is unacceptable in my opinion that a bank can make up additional charges and fees, not notify the customer, and hold the customer accountable for those fees. I believe this is a an illegal act by the bank as I did not consent to the extra fee, and the fee is not listed in the Cadence Bank fee schedule or in the terms of service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: WA
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:
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 An 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 2022-08-25
Company: EQUIFAX, INC.
State: MD
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:
n accordance with the Fair Credit Reporting act Credit Inquiries 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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:
I requested to update the inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or responses that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update/correct the following accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. 
XXXXXXXX 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 2020-12-23
Company: SLM CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I mailed priority mail 2 cashiers checks to my bank, at their XXXX, Illinois post office box as directed by XXXX, one of their customer service representatives. 
The envelope with the checks was received on XX/XX/XXXX, and confirmed by myself and the bank via the post office tracking number. 
Checks were not deposited into my money market account, in a timely manner so I began calling to find out the status of my deposit. I have called several times, spoken to several reps at the bank, finally spoke to XXXX who issued what they call an activity report, case. 
Was told by XXXX, that all the mail delivered on the week of XX/XX/XXXX to the bank, was sent back to another location at the bank, and were redirected to their post office box on XXXX, which meant they would not be picked up until XX/XX/XXXX. 
Spoke to XXXX on XX/XX/XXXX, told they were being processed give it more time. 
Spoke to XXXX on XX/XX/XXXX, and was asked to mail a copy of the cashiers checks to the department that was handling the activity case, which I immediately did. 
Spoke to other reps in between and was told to be patient, because of covid they were working from home, and the fraud department was handling the pick up of checks. 
Spoke to XXXX on XX/XX/XXXX, because I was denied the ability to speak to XXXX one of their supervisors, he was busy, and would call back in a day or two. He apparently contacted XXXX, who called and after several calls back and forth was told that the checks were apparently lost, to put a stop on them, and get new cashiers checks. 
That would be fine and well, but I did not purchase these checks, it was payment for a legal settlement that was finally settled and the purchaser does not want to stop and re-issue the checks. I contacted my lawyer today XX/XX/XXXX, so he can call the other attorney and see what can be done. 
I have gotten nothing but the run around from these people, other than XXXX, who was been as helpful as he can be based on his position with the bank. 
This is causing me financial problems, but unneeded stress. 
I need to get this rectified as soon as possible.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: AZ
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:
On XXXX/XXXX/22 I addressed Experian via their dispute center to dispute late/delinquency payments showing up on my credit report/credit file from over 5 years ago in relation to my student loans. I notified them that the information they have on file is incorrect and requested that they verify the completeness and accuracy of it. Further, I requested that they reinvestigate this information and delete the account immediately. That same day I filed an identity theft report with the FCC because Experian is using my personal information without my explicit written permission, in violation of the Fair Credit Reporting Act ( FCRA ). Without these negative remarks on my file, I would easily be in the highest credit bracket. This is more important to me than ever as my wife and I embark upon parenthood, buying our first home, and starting a new business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions 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 were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-09-27
Company: EQUIFAX, INC.
State: NJ
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:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



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 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 of 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 2023-05-23
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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ccs collections XXXX, these companies have used my credit report illegally pursuant to 18 USC 8, I owe no debt This company is violating my consumer right to privacy to USC 1681 B 2. Company has also mo permission to report ANYTHING using my information pursuant too 15 USC 1681 4

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24
Company: Experian Information Solutions Inc.
State: TN
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 disputed the bankruptcy that is reporting on my credit report to all bureaus and their claim is that the bankruptcy was verified. I sent a letter to the bankruptcy clerk to ask the reporting guidelines and they responded that the courts don't report to the credit bureaus. So with that being said, the credit bureaus is falsely reporting a bankruptcy on my credit report and that is against FCRA Section 611 Subsection 5a.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On my report they are showing 3 days late in 2021. They are also reporting inaccurate balance and amounts. This is a time share and is reporting as a mortgage. Prior to the late reporting they sent in, they never reported any on time payments.

Company response to consumer: Closed with explanation