BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance to the Fair Credit Reporting act 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 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 instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I set up automatic payments to pay off " statement balances '' on my Bank XXXX XXXXXXXX credit card at the end of every billing period. Despite having an automatic payment set up, on XX/XX/2022, I made an early payment to this bank in the amount of {$5000.00} towards my total credit balance of {$5100.00}. This will turn out to be the worst decision I have ever made. The payment went through, but their billing system refused to take the payment into account and adjust my account balance to reflect the early payment. Then on XX/XX/2022, nearly three weeks after ( in the same billing period ), they charged my bank account again for {$4200.00} ( for a credit balance I did not owe or know how their system determined ), leaving my bank account with a low balance. I called them several times to let them know that they charged my bank account when I did not owe them money. They told me that they were right to overcharge me because I have an automatic payment set up in the account. In other words, I shouldn't have set up an automatic payment. They also made it very clear that their billing system is not designed or meant to detect and adjust statement balances in my account despite the fact that it is the same reason I literally set up an automatic payment for the credit account. Finally, they told me I was supposed to go into my account to manually edit the payment to avoid overcharging my account. Again, this is the only point why people set up automatic payments for billing ; to avoid having to manually make payments to banks. 

I was forced to go to my bank physically to stop the payment, and today my bank charged me a " stop payment '' fee of {$30.00}. So I called them again this morning to request a {$30.00} check from them to cover the fee that my bank charged me because they billed my bank account wrongly. Again they maintained that their system was perfect for overcharging me and making me pay a bank fee of {$30.00} and spend two days ' worth of my time resolving the issue. I am only asking them to send me a check for {$30.00} to pay for the bank fee that their flawed system had caused. I am not asking them to pay me for the time I have spent for the past two days trying to resolve this or the emotional and mental trauma they have put me through. I would not advise anybody reading this to open a credit card line with this bank.

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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXXXXXX XXXX XXXXXXXX

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 2023-10-13
Company: Wolf River Development Company
State: NV
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Crane finance contacted my XXXXXXXX XXXX XXXX and told them that they wanted t do a Notice of Voluntary Wage Assignment Intent without my permission. They stated that I signed this form when I applied for the XXXX loan. I do not remember seeing this paper or remember reading it. If I had, I never would have signed for it. 
My XXXX was going to XXXX me for having an outstanding loan that was trying to be collected through a wage assignment. 
I should have been informed in advance that they were going to contact my employer. This contact put me in a difficult position that almost cost me my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
According to 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I Am A natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX is governed by 15 USC 1681. and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

Account name : XXXX XXXX XXXX ACCOUNT NUMBER XXXX xxxxxx Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX. Account number : XXXX Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX ONLY ADDRESS SHOULD BE ON MY CREDIT IS THE ADDRESS 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 non-monetary relief
Consumer complaint received 2023-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX, I received 4 emails from Bank of America where I already have a credit card. 

The emails were in regards to a new checking account application being submitted, my email address being changed, my phone number being changed, and my checking account application being under review. 

I did not do any of these things so I opened my BofA mobile app and started a chat. The chat representative gave me a phone number to call. I called the phone number and the person I spoke with said that she saw no issues with my account, no changes, and no new accounts opened. I saw the same in my mobile app. She said the emails were likely a phishing attempt and I should mark them as junk. She said she would notate my account. 

On XX/XX/XXXX, I received a phone call to my cell phone regarding my accounts at BofA. I was confused because I had been told already that there were no accounts opened or changes made. The woman who called said that they believe the new checking account I opened to be fraud. I explained that I had called on Thursday, XX/XX/XXXX and spoke to someone who said that no accounts were opened or changes made and she was going to notate my account. This CSR did not see any notes on my account and confirmed that there was an account opened in my name. I asked to see the application and asked what information the individual had of mine that they were able to open the account. The CSR said she could not provide me with any of that information, but I should assume that I am the victim of identity theft and follow appropriate procedures. That was all the information she provided. No resources, no attempts to assist, nothing. 

Since, I have found the steps on my own and followed them, but I find it concerning that BofA would not be obligated to provide me with the fraudulent application or at least provide me with the information that was used to open the account on my behalf. Since it was not, what information does the fraudster have? What information should I be protecting? What information is likely to appear at other financial institutions that I do not have a relationship with where accounts could be opened in my name? 

How can consumers prevent fraud or protect themselves if these quite large institutions are unable to or unwilling to assist? Shouldn't there be an obligation to provide consumers with the details of the fraud perpetrated against them? If billions of dollars each year are being lost to scams and fraud, wouldn't it be beneficial for FIs like BofA and others to provide even just the basics of information? Shouldn't they be required to have a team of individuals trained in how to handle these situations?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Experian Information Solutions 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 have been sending dispute letters asking for this egregious charge-off to be removed from my report as they have not provide the original credit agreement or original contract I signed for this debt.

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 2023-10-13
Company: Experian Information Solutions Inc.
State: FL
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:
Unauthorized inquires on my credit report that does not belong to me and I did not authorize them

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 2022-07-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report 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 2018-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX is showing a Bank if America account opened in my name on XX/XX/2017 and closed the same date and its showing unpaid with suspected fraud activity. Ive never had Bank of America. Ive been with XXXX XXXX XXXX for 4 years now

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 2023-09-21
Company: Experian Information Solutions Inc.
State: KY
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:
When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX  XXXX Balance : {$2300.00}

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 2023-03-30
Company: Radius Global Solutions LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company Radius Global Solutions has been calling me for years asking to speak to someone I do not, nor have ever known. I called them a few times and advised them I am not who they are looking for and am always told they will remove my number from their list. That never happens. I have their number blocked but they still call everyday. Today they sent me a text. I have never agreed to receive text messages from the company and believe it's in violation of the TCPA. 
Please see attached screenshots showing the call history and the text message I received. 
.

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 2023-03-30
Company: PNC Bank N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX I went in to a pnc branch to apply for a business credit card for my business. I have excellent business credit and my personal credit score is XXXX on XXXX. I meet the criteria for a business credit card and I also have others with other institutions. 

However I got a call today from a banker saying I was declined due to 4 reasons 1. Too high balances on existing accounts 2. No recent loans 3. Not long enough credit history/ profile 4. Dont remember 4th reason But all of the reasons are invalid or incorrect I just paid off a bank loan in full a couple months prior. Which my credit report shows that account was closed and paid as agreed, I have a long credit history XXXX  years. I have XXXX auto loans on my credit profile thats paid in full. 
Majority of all my credit cards balances are paid down to {$0.00} balances, and or I only owe a few XXXX dollars on credit cards with very high credit limits. 

I feel Im being targeted being a minority woman and business owner. I meet the qualifications for these financial products yet Im being denied. And I cant seem to think of no other logical reason, being that I have excellent credit rating on my personal and my business

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: IL
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:
I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT. THEY ARE 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 explanation
Consumer complaint received 2020-06-16
Company: EQUIFAX, INC.
State: CO
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:
On XX/XX/2019, I received a SPECIAL OFFER letter from XXXX XXXX XXXX XXXX : CALL ABOUT OUR 2+2 PROGRAM! YOU PAY 2 PAYMENTS AND WE WILL PAY 2 PAYMENTS ON YOUR ACCOUNT. 
PAY THE 2 PAYMENTS AND WE WILL BRING YOUR ACCOUNT COMPLETELY CURRENT AND CREDIT YOUR BALANCE FOR 2 ADDITIONAL PAYMENTS. 
YOU PAY {$300.00} WE PAY {$300.00} To take advantage of this amazing offer from XXXX XXXX  I called the number on the letter XXXX. The rep said that I actually owed {$620.00} so if I paid {$310.00} while on the phone, they would match my payment, bringing my account current and no more collection calls. 

If XXXX 's never fulfilled their part of this deal how is this not deceptive and unfair? I called a few times to ask where is the credit of {$310.00} and also ask why I'm being harassed multiple times a day for nonpayment. If XXXX would have honored our agreement, my total account balance would have been only been {$0.00}, but instead, XXXX 's continued to harrass me daily and report negative payment information to all 3 bureaus. 

XXXX 's has been removed from my XXXX  credit file but the results from my dispute with XXXX  and Equifax have not been in my favor regardless of my supporting document. 

I've attached supporting documents that show any info that XXXX 's has voluntary reported to different sources IS CONTRADICTING. 

XXXX 's continues to report late or missing payments but why haven't they reported the special offer that was sent to me. Why haven't they reported their promise to pay {$310.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
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: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I recently received a copy of my ( Experian ) credit report, and I noticed a late payment posted on my credit report : Account name XXXX XXXX  XXXX Account number XXXX Account type Child Support Responsibility C Individual Date XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated-Jul XXXX Balance {$2500.00} Balance updatedXXXX  Recent payment $ XXXX Monthly payment {$0.00} Original balance Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC.

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 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was a victim of a XXXX XXXX XXXXXXXX data breach. My information was compromised and sold through the dark web. XXXX, XXXX and Transunion do not have sufficient safeguards in place to ensure that bad actors who have possession of personal and financial information do not have the ability to access credit reports and remove fraud alerts and security freezes. 

The use of a unique PIN is in place for Transunion and XXXX, however the bad actor is easily able to access an account through a line of questions ( no different than accessing normally ) to obtain the PIN and remove the freeze and fraud alert. 

It is grossly negligent with the prevalence of identify theft in the United States that better safeguards and protections are not in place to prevent this from occurring after alerting the credit bureaus of the issue multiple times. I am having to contact each credit bureaus multiple times per week to reapply freezes and alerts in order to stop the fraudulent credit and loan application activity the bad actor is conducting. 

A better security process needs to be implemented for victims of this level of identity theft with the credit bureaus, it is 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 non-monetary relief