BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
To Bank of America On Your letter dated XX/XX/2023 reefing to account number XXXX that refers to response to my complaint dated at Consumer Financial Protection Bureau Your information is inaccurate dont match referring my Complaint dated XX/XX/2023 About credit card account ending in XXXX fraudulent payments from an XXXX XXXX XXXX  account ending in XXXX that I never had .Such no payments made from an XXXX XXXX XXXX  account . 

Your stated We review our records and confirm the account information we reported to the consumer agencies is correct Your records are inaccurate and wrong referring to account number ending in XXXX As per your letter dated XX/XX/2023. 

Referring to account, account number ending in XXXX Bank of America letter dated XXXX XXXX Bank of America copy  of letter As per your letter dated XXXX XXXX, referring to credit card number ending in XXXX Payments from XXXX XXXX XXXX  account ending in XXXX .Find enclose letter I never had an account at XXXX XXXX XXXX  ending in XXXX, find enclose. No payments, fraud payments about account XXXX I communicated with Bank of America via certified mail on XXXX XXXX Bank of America did not responded on timely manner within 7 business days Attached find letter and documents sent to bank Referring to account, account number ending in XXXX Bank of America letter dated XXXX XXXX Bank of America copy of letter As per your letter dated XXXX XXXX, referring to credit card number ending in XXXX Payments from XXXX XXXX XXXX  account ending in XXXX .Find enclose letter I never had an account at XXXX XXXX XXXX  ending in XXXX, find enclose. No payments, fraud payments about account XXXX, Im requesting a cancellation letter for account ending in XXXX No payments made never had account at XXXX XXXX XXXX  thank you XXXX XXXX Please send me a confirmation letter showing that Im no accountable for account number ending in XXXX, within 7 business days.

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 2018-06-27
Company: DISCOVER BANK
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am submitting this issue with a complaint about my Discover Student Loans. I have been through multiple calls and have now sent three different letters of dispute, as well as, an online document to my loan portal. Asking them to prove documentation of acquiring all information and custody of two loans from XXXX bank. Zero information was given to me that the loans were purchased, no contact nor any form of agreement was confirmed. Only a single document, 5 years after the initial loan that I am paying them now. Ever since, Discover has increased my student loan rate to absurd levels far beyond it possible for decent living while working 3 jobs. I have to receive any documentation pertaining to receiving notice when my interest increases ( count is 3 missed occurences ). Even calling about taking almost half of my monthly paycheck for a change in payment plan has fallen through because they have refused the service due to, " you have payed everything on time and in full, what is the problem with paying now. '' Currently have three loans with Discover. 
Total amount : XXXX Monthly payment : XXXX Not only have all mailed versions, phone calls and online Discover submitted letters have been ignored. It is possible because I am still not missing payment dates that they do not care. I have been trying to collect my due information in lines with the Fair Debt Collection Practices Act and similar state laws. I have been in contact with the XXXX and their advisers. At this point they recommended that I contact my state attorney general and the CFPB for assistance. 

At this point, what would you recommend? 

Regards, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/2023 receive email that unusual activity on my account and to call to verify activity. When I call I was told they will close my account and end business relationship, and a check will be mailed within 7-10 business days or to go in branch and withdraw my funds. I go to branch XXXX XXXX and they are able to withdraw all my funds and upon calling 'back-end ' was told they are not closing my account and it was my request. They confirm the 'closing of my account ' ruling was overturned and if I wanted to continue with my withdraw since they will not close my account and wanted me to go in branch to verify identity. They unrestricted my account and everything looks normal. On XX/XX/XXXX the next day I receive email my accounts are restricted again and they are closing my accounts. I go in branch on XX/XX/XXXX and they state they are unable to withdraw my funds due to a pending investigation that was closed and finalized weeks ago. When I request written notice or documentation regarding why my funds are not accessible and I have no ability to use my funds, they deny providing any written information. I call on XX/XX/XXXX to request my funds be made available and demand full use of my funds, they deny my request stating there is an indefinite investigation and it could take anywhere from 1 day to 1 year to resolve and my funds are not available, even after closing my account and stating I would receive my funds within 7-10 business days.

They are violating customer agreement and their promise to return balance within 7-10 business days, violating EFTA regulation E by having an ongoing indefinite investigation that was finalized and closed weeks ago, being unfair and deceptive by lying to me stating my account will not be closed so they may put a hold on my funds and not allowing full use of my funds creating undue hardship. They are acting in bad faith not providing any written documentation and illegally investigating behind-the-scenes without any communication or cause. 

I also have videos of my entire interaction at the branch location showing the unfair and deceptive practices, however due to file size I am unable to upload to the CFPB portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing you this statement to delete the following information currently on my credit report. The items I need removed are listed in the report. I am a victim of identity theft and I demand that you erase these items off my credit report to properly correct my report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission affidavit. Now that I have given the following information, please correct my report or I shall proceed with involving my attorney!

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 2019-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: Spring Oaks Capital, LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15USC 1681 a ( d ) ( 2 ] ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX XXXX XXXX XXXX SPRING OAKS CAPITAL LLC is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erronerously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$300.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: PA
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: TX
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The bank accused me of being a collaboration with " Scammers '' which I was not. Closed my account with not time to give me to apply for an account at another institution. Considering half of my funds went to that bank and at the time my son 's also. After all was said and done Wells Fargo hit me with over {$10000.00} in fees and charges. Which I still have not paid to this day. Caused me undue stress and anxiety. Yet the account I opened to send funds to was compromised before I even got 1st deposit. No one knew of this account. It was only opened for 2 weeks before someone tried to steal $ XXXX from it which wasn't even in account because just opened. I only found thus by an article. So if there is further information you need that I couldn't provide at the time of this complaint filed please feel free to contact me at phone number or email

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 2019-11-25
Company: National Credit Systems,Inc.
State: MD
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:
XXXX XXXX is reporting multiple hard inquiries on my report for accounts that I didnt apply for. An identity theft report was sent along with all needed documentation of its inaccuracy and it has not been resolved. There is also one collection on my credit again for an account I never applied for. 

XX/XX/2018 National Credit Systems {$4600.00} I submitted an identity theft report packet to them as well as police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Entrata Inc.
State: TX
Product: Credit reporting 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:
My information was used to attempt to get an apartment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: PA
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'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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX Bank of America closed all my accounts for a risk factor that wasnt explained.

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 2022-02-01
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Last year I had a total of 4 cases of fraud! One being an accident, and the rest out of my control! The accident was an incident reported as fraud when it shouldve been reported as a dispute where a store wrongly charged me. It was never settled since I wasnt able to find the receipt. Thats fine. Another charge of XXXX $ happened when I lost my debit card ( only lost it once! ) I then had to wait a few days to dispute what I had noticed because it HAD TO POST before any dispute! There was an {$80.00} and another charge of a price Im unsure of, from Cash App, where My account was hacked while my debit card was still linked! Sent proof in of that and also how the account was closed. However they decided to disable my debit card for a year! After I was disrespected by NAVY FEDERAL CREDIT UNION. Supervisors have hung up on me, fed me false information, disrespected me, and refused to answer specific questions! Even had a supervisor named XXXX that kept muting my call along with loud children screaming in the background! I have another navy federal member that will be making a report. I was informed by that member that he also once experienced large amounts of fraud! HOWEVER, he NEVER lost his card privileges! Now that is discrimination. I got penalized because someone stole from me, but when it happened to someone else they were taken care of. This is just one of many reports!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: DISCOVER BANK
State: MN
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:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This is to inform you that I sent money to the following number and email XXXX XXXX between the dates XX/XX/2022 - XX/XX/2022 amounting upto {$260.00} over a course of 5 transactions as shown in the image attached below. 

After making these transactions the beneficiary didnt receive the money into his account but only received a text message from the bank which the amount was debited to his account as shown in the image attached below. 

I filed a compliant with Bank of America, the company involved with sending and receiving the amount and they rejected my claim stating that the transaction was completed and they could not provide me with the above claim of said amount. 
Claim number : 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 2023-09-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I'm filing a complaint against Equifax for violating my privacy and consumer rights. They've breached the Fair Credit Reporting Act ( FCRA ), Privacy Act of 1974, and Opt Out Laws.

1. They shared my personal data without my written consent, as required by 15 USC 1681 section 604 ( a ) ( 2 ).

2. I wasn't properly informed of my right to exercise nondisclosure, as mandated by 15 USC 6802 ( b ) ( c ).

3. They reported a Chapter 7 bankruptcy without my consent, violating 15 U.S. Code 1681c ( a ) ( 5 ).

4. Equifax failed to maintain accurate information, as required by 15 U.S. Code 1681s2 ( A ) ( 1 ) A.

5. Equifax reported my student loans without consent, violating FCRA.

6. They didn't adequately provide the option to opt out of reported information, as per 12 CFR 1016.7. These actions infringe on my privacy and break the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: Bread Financial Holdings, Inc.
State: WV
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:
There is a account from Victoria secret thats has been on my report for years I never in my life have opened any account with them like never Ive never even been into a Victoria secret XXXX nothing I have no idea how this got on my credit Ive been working hard to build my credit go form nothing and just recently it took XXXX off of my score and complete put a lot of plans I had in motion on hold and Im furious because Ive disputed this again and again and now its hurt me at a critical time XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief