BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This is a follow up complaint to one filed on XXXX XXXX. I have consulted legal counsel to bring resolution to this matter, as I am exhaustind dealing with Bank of America I have been the victim of identity theft and have had two fraudulent credit cards opened in my name. I received another credit card in the mail with a credit line on {$27000.00} two days ago. This is all despite the fact my credit is frozen with all three credit bureaus, and I have no credit inquiries from Bank of America. I called the BoA fraud line on XX/XX/2023, to report that I had received notification via email that I had been approved for a BoA credit card. I was also informed that a credit card application was submitted on my behalf on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was given a Complaint Reference ID 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 2022-09-03
Company: Experian Information Solutions Inc.
State: FL
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 account 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 States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681XXXX XXXX INVESTIGATIVE CONSUMER REPORT States a consumer report in which information of consumers character, reputation, personal characteristics, and mode of living is obtained through personal interviews with neighbors friends or associates of the consumer who have knowledge concerning such items of information and is kept on FILE The accounts that I have listed below that I see on my consumer report are violating my rights and are doing so without my written instructions of consent and the inquiries that are also listed below that I have no knowledge of are also reporting on my consumer report without my written consent 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 2022-06-04
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: Investigation took more than 30 days

Complaint:
I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX  : XXXX ( original Creditor : XXXX XXXX XXXX  ) Balance {$570.00} XXXX XXXX Balance {$500.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  : XXXX SELF-REPORTED Balance {$9.00} XXXX  SELF-REPORTED Balance {$480.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) Balance {$900.00} XXXX XXXX Balance {$500.00} EQUIFAX COLLECTION : XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX  ) Balance {$900.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: FL
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 would like to bring to your attention that the reported charge-off status and the manner in which it has been presented on my consumer report are inconsistent with the guidelines outlined in 15 USC 1681eb . According to the Internal Revenue Service ( IRS ), a charge-off is classified as ordinary income and should not be reported on a consumer report. Additionally, I have not received a 1099-C form, which further indicates an inaccuracy in the reporting and constitutes a violation of 15 USC 1681eb .

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX. I was shopping for mortgages and Wells Fargo gave me the best interest rate and the lowest down payment. I missed a payment here and there and it was fine, then one time I was late and they said I can not make the payment. I was confused then my daughter told me we were in foreclosure. I hired an attorney and the police that this was crazy, and I can borrow the amount from family. They told me at that point I remember vividly that they would never again accept a payment from me and to prepare for my foreclosure. It ruined my family. my children turned on me, everything fell apart. The lawyer told me he heard of this happening to a lot of people in our town and we put two and two together, however he claimed to go toe to toe with a company like Wells Fargo just was not feasible and I should prepare to a life without a home. I never recovered financially due to my age and I still rent today. It really breaks my heart to know if I had chose another mortgage lender I would have equity and a home to call my own. I lost everything because of wells fargo, they did not care and they KNEW what they were doing was wrong. The staff knew it as well and all they can do is apologize. The fact is, I paid until they chose to no longer accept my mortgage payments so they can sell my house from under me and when they did, they turned a tidy profit on it as well. They are the type of company that you ( consumer watchdog ) are designed to protect hard working citizens like me from. They ruined me for no reason just pure olf fashioned greed. I am glad someone told me about this link. The world should know what they have done.

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 2022-04-12
Company: Experian Information Solutions 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 Reporter Act XXXX account XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 8 states I have the right to privacy.

15 U.S.C. 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your account without my written instructions.

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 2023-01-20
Company: CITIBANK, N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/XXXX I opened a Citibank checking account. I initiated this account over the phone and transferred money from my other bank accounts. I wanted to receive the cash bonus promotion they were running. 

XX/XX/XXXX After having the account open and using it for a couple months, I received a letter dated XX/XX/XXXX that stated after a recent review, it has been determined that we can no longer service your accountit will be closed within sixty days from the date of this letter. 

I had {$62000.00} in the account at the time of closing. 

I called on the phone and was told is was closed due to fraud. I was told I would receive a check in 30-60 days. They couldn't provide any more information. 

XX/XX/XXXX I went into a local branch and they called for me. They did not get more info on why it was closed but asked someone to expedite a check for the money that was not under investigation. 

XX/XX/XXXX I received a check in the mail for {$57000.00} with no letter or explanation. There is still {$4800.00} that they are holding. 

XX/XX/XXXX, XX/XX/XXXX I reached out again and was told that it was still under investigation and to wait for a letter. 

XX/XX/XXXX I still had not received a letter. Went to local branch and the XXXX called the back office. He asked about what happened to the {$4800.00} that is missing. At first the person said {$2800.00} was put in the Citi sub-ledger. When we told them how much was actually missing, they changed the number to match the {$4800.00} amount. 

We were told there were fraud abuse credits. However, I can account for each transaction on my account and there is no fraud. I was told again to wait for a letter. 

XX/XX/XXXX I received a letter that said we do not have enough information to complete your research. 

XX/XX/XXXX I went into local branch again. The called the back office again and I was told that the {$57000.00} was all that I was due. The other amount was put in the general ledger. They could not tell me why.

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 2023-04-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I filed an identity theft dispute in regards to the information on my credit report. I requested the original application with my wet signature and all other information that proves that I am the owner of these accounts and have not been given any. It has been well over XXXX days to validate this debt and I have not been given anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Experian Information Solutions Inc.
State: ME
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 Am a natural person who has been victimized not only by the XXXX major credit reporting agencies XXXX XXXX, Experian, and XXXX through their UNAUTHORIZED and UNAPPROVED collection, storage, and selling of my personal information, but also by the criminals in the underworld who obtained my data through the XXXX XXXX data breach. I've contacted the XXXX CRA 's to inform them of inaccuracies and errors on my personal consumer reports, and received only XXXX response from XXXX XXXX which stated that they were not going to process my complaints because it didn't appear that the documents came from me. I informed them that this is exactly the kind of unlawful behavior that the FCRA was established to prevent. I'm deeply depressed and suicidal dealing with years of negative and erroneous items in my credit files and having to fight these companies that make billions of dollars by reporting inaccurate accounts. I'm also writing to the Attorney General of Maine and the XXXX, as I have no faith in the CFPB. I've complained about these companies many times before, but they only give some form reply and the CFPB disappears. It's ridiculous. I sent letters Certified to all XXXX CRA 's on XX/XX/XXXX, and received a reply from only XXXX XXXX on XX/XX/XXXX stating they didn't believe I sent them the letter, so they were doing nothing for me. That's completely unacceptable.

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 2023-08-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant XXXX and financial XXXX, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2021-06-25
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I tried to redeem my membership rewards points today, XX/XX/2021, for a flight reservation but this redemption, wasn't successful and it flagged my account to go under reveiw. This also happened a few months ago when I tried to redeem my points for a flight reservation on XX/XX/2021. My membership account went under review at that time and the review process was completed 2 months ago. How many times per year does American Express need to review membership rewards accounts? This's my second time during this calendar year and every time it takes up to 3 months for an account to be unfrozen. I found this unreasonable and needs further explanation and more transparency from the company. I will not pay the {$590.00} annual fee for the XXXX XXXX card ending in XXXX unless I have access to my points, I'll not pay for a card I don't have access to its benefits, such as points redemption.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 to the Fair Credit Reporting Act, XXXX account number XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2, I also state, a consumer reporting agency can not furnish an account without my written instructions.

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 2023-03-10
Company: Experian Information Solutions Inc.
State: IN
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.

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 2023-06-06
Company: Experian Information Solutions Inc.
State: MI
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:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT NEED REMOVED. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. NEED THIS REMOVED FROM MY PROFILE ASAP. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2023-01-20
Company: Upstart Holdings, Inc.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I was falling behind on my payments but managed to make a minimum payment to keep my account from being charged off on XXXX XXXX XXXX  This minimum payment only allowed an extra 31 days to make another payment to prevent the account from being charged off. On XXXX XXXX XXXX  Upstart sent me a " Right to Cure '' email stating that I had until XX/XX/XXXX to pay my balance before they would charge off the account. Contrary to their email, my personal loan dashboard reflected a date of XX/XX/XXXX to make a payment. Due to the discrepancy in the payment dates, I decided I would go off what was reflected on their website/my dashboard for the payment due. I thought the website would have more accurate information regarding my payment date. On XX/XX/XXXX my account was charged-off. I immediately sent an email explaining the situation and how I was given two dates and that there must be a mistake or error on the email or website. Upstart Loan Operations did not care about the facts that I presented to them. I even provided a picture of my dashboard that had my amount due and it showed XX/XX/XXXX as when it was due. Upstart still refuted this information and evidence and will not recall the loan from the charge-off and allow me to make my scheduled payment. This is unacceptable behavior when the customer has proof that there was a discrepancy in the payment dates. I should not be punished with a charged-off account when I was actively trying to rectify my account and their system was showing two separate dates that I was supposed to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The creditors and credit bureaus are getting away with XXXX  people. The problem is and has always been with the reporting they do. During the 2020 pandemic the creditors and bureaus should have had a freeze on how they report. Take my situation for instance. Creditors started closing credit cards that were in good standing and causing my score to drop. This should not be the case if my cards are in good standing. If they are going to close a card that is paid off or in good standing for none use it should not affect my credit scores. Someone has to put a stop to this madness. How can the government make them change their policies that are hurting hard working American 's? In short, if an account is closed due to not paying etc. this should affect the individual, but if a person pays their bills and the account is good then a company 's option to close the account should not affect the individual. This double edge sword has to be stopped. Protect the little credit people are holding on too. I am so stressed because I'm doing my part and paying my bills and still my score is getting hammered. I will be the working homeless because no mortgage company will ever give me a loan with a pitiful score. Thank you for reading my struggling pain.

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 2023-08-15
Company: Experian Information Solutions 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, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX 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  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 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