BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened an account, online, with Bank of Amercia on XX/XX/20. On the date of account opening, I completed the online information based on my current legal identification. Approximately 4 days later, I logged into the account via my Bank of America mobile app, to attempt to add an external bank account to my profile. At that time, I noticed that my account profile information had been changed to old, invalid information. The name, address and email contact information had been changed to my previous married information based on an account profile from 5 years ago. 

I immediately called the bank, keeping in mind that my new account is a joint account with my now fiance. I was advised that, over the phone, they could change my mailing and email address. However, I would not be able to change my name. I was advised that I would received some documentation in the mail that I would have to complete and drop off at the local branch. 

Approximately two days later, I went into the branch to make a withdrawal. At the teller line, I was advised that I could make the change in the branch, but that I would have to make an appointment. I stated that I would just wait for the documents as I did not have time to make an appointment based on the abbreviated hours of the bank. 

Fast forward to today, I was attempting to link another external bank account. I went through the entire verification process only for the account to not be added because the name does not match. I then made an appointment at the branch, went in with all of my identification ; DL, social security card and password. All with my current legal name. I was then advised that now they can change my name but since the account is a joint account, the other account holder would have to be present. Should I mention that he does not even live in the same state? Nor had this been a statement made to me at any of the other times I initiated contact to get this matter resolved. 

My complaint is that, if you have a customer that is filling out an online application in which they attest that the information on the application is true and accurate, how are they able to just change the information on the application based on a profile that was in the system from 5 years ago? If, during the application in process, there was a discrepancy in information ( XXXX ) why was it not deemed necessary to reach out to the customer ( me ) to confirm my information, ie. request a copy of my driver 's license or social security card? Futhermore, what if the account profile information had been changed prior to the issuance of the card? The card would have been mailed to an old address that I no longer reside at and could have fallen into the hands of a fraudster.

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 2020-03-31
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: Old information reappears or never goes away

Complaint:
Good morning I have tried to dispute this account with XXXX XXXX and all credit bureaus. This account still show as potentially negative when its false. I have to been a customer for XXXX XXXX   since 2016. The account was paid in full since then. All the credit bureaus and the company have refused to take this off my credit. I need someone to enforce this people to stop and remove this negative false account. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

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 2020-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
Tried to submit a check to Bank Of America, under my name but to my husband 's account, they didn't even called or anything and denied to proceed with it, until we found out nothing got done and my husband was charged for it, after fighting about it and submitted 2 claims, they sent us a " Legal copy check '' and I took it to my bank ( XXXX XXXX XXXX XXXX ) and after they did they're investigation, I was told Bank Of America already took the money from the check on XXXX XXXX.. Also contacted my previous landlord ( person who sent me the check ) and he contacted the bank ( XXXX XXXX ) where the check came from and he was told the check was already cashed on XX/XX/XXXX as well.

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 2023-06-07
Company: SANTANDER HOLDINGS USA, 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 this XXXX Santander consumer usa has violated my rights under 15usc1681 section 602 states I have the right to privacy. 15usc1681 section 604 a section 2 it also states the consumer reporting agency can not furnish an account without my written instructions. Under 15usc1666 b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I have been having issues. But the real concerned started on XX/XX/2021. I have direct deposit set up. So basically almost everytime I use my card it it declined or state dont not honor. This is happening because in the state of Maryland a forgery Maryland Durable financial power of attorney was processed through out financial institutions to gain access to my employee benefits including stocks and XXXX account. The forgery power of attorney have a unknown agent listed that states the agent controls my money if I am able to or not.I believe that I might just in fact know the person or persons who hold the money transmitter license to act on my money which is apart of my identity theft and my identity theft is committed by a government entity contractor individual group and or business. Since XXXX my card have been declining everywhere but after the second attempt it will go through. This is being done to embrass and harass me to know where my where abouts are. Everything is wrong with finacial regulators that getting license to transmitte money illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is a further issue with regard to complaint : XXXX IT APPEARS THAT CITIBANK IS ATTEMPTING REPRISAL FOR THIS COMPLAINT. 
CitiBank sent a letter received today indicating that they intend to issue a check for {$390.00}, which is {$33.00} less than what I am owed. The letter states that they are withholding this amount due to a disputed charge. Looking at my account record online, a 'reverse partial merchant credit ' item has suddenly appeared with a date of XX/XX/19, nearly one year ago. That item has not appeared on statements I have in my possession since I closed the account in XXXX. Upon further checking, it relates to fraudulent charges that I reported to CitiBank immediately upon discovering them last XXXX after CitiBank 's security system triggered an alert for a suspicious charge. They were made at a hotel in XXXX XXXX XXXX when I was in the United States. There were two, for {$140.00} and {$87.00}. I was half a world away, knew nothing of this place, and certainly had not authorized any charge. I made my report within minutes and the CitiBank rep indicated that another charge was being attempted by someone at the hotel in XXXX XXXX while we were on the phone, and I was in the US. This was clear fraud resulting from stolen information. CITIBANK POSTED THE REVERSAL OF CREDIT FOR THAT FRAUD SEVERAL DAYS AFTER I FILED MY COMPLAINT WITH THE CFPB. THIS APPEARS TO BE RETALIATION FOR MY COMPLAINT. Note also that they were quick to send this letter but no refund has been delivered so it remains unclear if they will be sending anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22
Company: EQUIFAX, INC.
State: NV
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 a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions 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:
An account was opened in my name and contains errors on my credit report. XXXX bank refuses to provide any info as my information does not match what is in there system. I have been trying for two weeks and they tell me that they transferred the account to a collection agency and the collection agency says they transferred to XXXX bank. When you call XXXX they are now unsure where the account is and need 30 days to locate status of the account while reporting monthly that this account is charged off on my credit reports.

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 2021-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX. 
XXXX {$280.00} Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit this does not belong to me, fcra violation. names addresses employers wrong. see attached.

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 2022-11-10
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 sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX {$8300.00} ; XXXXXXXX  XXXX Balance : - ; XXXX XXXX  XXXX XXXXXXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Balance : - ; XXXX  XXXX Balance : - ; XXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
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:
I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an 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 # XXXX. 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, CA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/2022

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 2023-02-14
Company: EQUIFAX, INC.
State: CT
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:
UPDATE TO CLAIM XXXX UPDATE TO CLAIM XXXX UPDATE TO CLAIM XXXX UPDATE TO CLAIM XXXX I AM SO TIRED OF THIS BACK AND FORTH BETWEEN EQUIFAX AND THEM PERFORMING BUSINESS MISCONDUCT AGAINST THE UNITED STATES CONGRESS AND ITS LAWS UNDER THE FCRA . CONGRESS DEMANDS THE ELABORATE MECHANISM WHO IS EQUIFAX TO EXCLUDE! TRANSACTIONAL ACCOUNTS UNDER 15 USC 1681a ( 1 ) ( 2 ) AND EQUIFAX WILLFULLY PERFORMS AGAISNT CONGRESS AND HAS NOT REMOVED THE ACCOUNTS REQUESTED AS DEMANDED BY CONGRESS. EQUIFAX IS IN CONTRACTUAL BREACH OF THE METRO 2 COMPLIANCE AGREEMNET 2-1 page 18 WHICH CLEARLY STATES " Automated Data Accepted by all consumer reporting agencies, the Metro 2 Format enables the reporting of accurate, complete and timely credit information.

Meets all requirements of the Fair Credit Billing Act ( FCBA ), the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ) and all applicable state laws. '' THIS REQUIREMENT UNDER METRO 2 COMPLIANCE INCLUDES 15 USC 1681a ( 1 ) ( 2 ) EXCLUSIONS!!!!!! EQUIFAX IS IN FEDERAL VIOLATION ND METRO 2 COMPLIANCE VIOLATION FOR WILLFULL NEGLECTION OF GRAVE DUTIES

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: SYNCHRONY FINANCIAL
State: WI
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:
on XX/XX/2023 I mailed a physical letter to XXXX XXXX XXXX from regulatory department at synchrony bank requesting the information on my credit reports from my synchrony bank citgo credit card be removed. 
The account on my reports is actually hurting my average age of credit and since there is no federal requirement that positive accounts must stay on report for 10 years

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 2021-10-22
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:
I started by disputing with the collection company XXXX XXXX which is the collection agency my debt has been sold to. When doing so they just said that they verified the account on their end. Which is incorect according to the dates I have on file. 
The Name of this account is XXXX XXXX Acct # XXXX. 
I then disputed with both XXXX and Experian twice about this account that is past the Texas XXXX XXXX XXXX which is currently 4 years. 
In my disputes letters I stated that not only are the dates wrong of when it says the account was opened but it is also past the Texas statue of limitations. Each time I have disputed and provided the documentation from the original creditor that shows this account was opened XX/XX/XXXX. Both times that I have disputed these items they come back as verified with the credit bureaus. The only thing that seems to be updating on these accounts is the date when the account was opened which they currently have as XXXX, XXXX which is innacurate. Each time I have diputed these dates have been randomly pushed forward. 

When I called these organizations to get a better understanding of why they were coming back verified, I was litterally told that the credit bureaus do not actually verify this information themselves and that they send it to the collection agencies to verify but no actual investigation is done on the credit bureaus side.

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 2023-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am writing to express my concern regarding an insufficient fee charge of {$250.00} that was debited from my Capital One Credit Card account on XX/XX/2023. 

On XX/XX/2023, I initiated a deposit of {$100.00} into my credit card online account, a few minutes later I deposited {$150.00} from my Capital One Checking account to my online Credit Card account. According to the information provided on the Capital One credit card online portal, deposits are processed on the same day with a cutoff time of XXXX XXXX 

Upon reviewing my account activity, I noticed the imposition of the aforementioned insufficient fee charge. However, after contacting Capital One 's customer service on XX/XX/2023, I was informed that the deposit of {$250.00} was notcredited to my credit card account until five days after the initial deposit was made, citing that the funds were not available in the account at the time of processing. 

I find this explanation perplexing, as the online information on the credit card portal specifically states that the deposit is processed on the same day with the mentioned cutoff time. Due to this discrepancy, I kindly request that Capital One thoroughly investigate this matter and reconsider reversing the unjustified {$250.00} insufficient fee charge. 

As a loyal and responsible customer, I have always maintained my accounts in good standing, ensuring timely payments and adherence to all terms and conditions. Hence, I believe that this fee charge is an oversight or an error in processing that needs immediate resolution. 

I kindly request that you conduct a comprehensive review of the deposit process and account activity to rectify this matter as soon as possible. Your prompt attention to this issue would be greatly appreciated. 

If required, I am prepared to provide any additional information or documentation to support my claim. Please find enclosed copies of the deposit transactions made on XX/XX/2023, for your reference. 

I look forward to a swift resolution to this matter and a favorable response from your end. Should you require any further clarification or information, please feel free to contact me at

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: DISCOVER BANK
State: NJ
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:
Im aware that DISCOVER has closed my account and from what federal laws states in 15 USC 6801S-2 ( 4 ) ( 7 ) If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 15 USC 1681a ( p ) of this title furnishes negative/closed information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative/closed information, in writing, to the customer. As a natural person and consumer clearly, Ive been abused by your corporation. I found out my account was closed through third-party companies which is a violation. I didnt give your company permission to close my account or expose my privacy. Since closed my account please send my rescission forms for my remedy and Im demanding you to remove this closed account from all three of my consumer reports from all three consumer agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX WELLS FARGO CARD SER XXXX XXXX XXXX CreditCard 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