BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Bank of America has opened fraudulent checking accounts in my name at least XXXX times over the past 14 months, despite my placing a security freeze through XXXX and freezing my credit through the three major credit reporting agencies. I have contacted BOA every time they open an account in my name and although it gets closed, the same thing happens all over again within a few months or even days. 

XX/XX/XXXX Received email that Bank of America opened a checking account in my name without my knowledge. Called consumer hotline to have account closed. 

XX/XX/XXXX Received email that Bank of America opened another checking account ( # XXXX ) in my name without my knowledge. Called consumer hotline to have account closed. 

XX/XX/XXXX Received letter from Bank of America in response to my reporting fraud requiring me to fax them the following information to prove that I did NOT open the # XXXX checking account : copy of my drivers license, copy of my Social Security card, copy of police reports, copies of documents received for the account in question, etc. I faxed them seven pages of documentation from XXXX of their branches to prove that I DIDNT open the account. Its clear that nothing near this level of documentation was required for anyone actually opened an account in my name. 

XX/XX/XXXX Received email that Bank of America opened another checking account ( # XXXX ) in my name without my knowledge. Called consumer hotline to have account closed. 

XX/XX/XXXX Received confirmation from XXXX that per my request a security freeze was placed on my consumer file. I had also reported this to the XXXX major credit bureaus. 

XX/XX/XXXX Received letter from Bank of America notifying me that the # XXXX account was being closed because they could not verify my identity. 

XX/XX/XXXX Received email that Bank of America opened another checking account ( # XXXX ) in my name without my knowledge. Called consumer hotline to have account closed. 

XX/XX/XXXX Received email that Bank of America opened another checking account ( # XXXX ) in my name without my knowledge. Called consumer hotline to have account closed. 

XX/XX/XXXX Received email that Bank of America opened another checking account in my name without my knowledge. Called consumer hotline to have account closed. 

XX/XX/XXXX Received email that Bank of America opened another checking account in my name without my knowledge. Called consumer hotline to have account closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to notify the credit bureaus YET AGAIN that I was a victim of identity theft and that I want these bogus items that were added to my credit report as a result of the alleged identity theft removed. Credit bureaus are obligated to REMOVE any items identified in identity theft in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Here is the list of things I wanted to get rid of, once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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, XXXX  XXXX Credit Card Account # 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 an account without my written instructions '' 15 U.S.C 166b " a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS : Except as provided in paragraph, 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.

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 2022-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was not notified by Capital One that my Venture card was about to auto-renew for the {$59.00} membership fee. I received an email that a membership fee was on my statement and I called them to downgrade to a card that did not have a membership fee before it was taken out of my account. I was given a new card with no fee, but then still charged the membership fee for the Venture card. I called Capital One and was told that they could not reverse the charge because my Venture card was technically active for a few days. A supervisor told me that I would have needed to call 40 days before the membership auto renewed to successfully downgrade to a card with no fee, which is not common knowledge. Additionally, I was told that I " agreed '' to still pay the membership fee for the Venture card when I accepted the new terms and conditions for the card with no membership fee. I asked for them to share the recorded call where I technically " agreed '' to still pay the membership fee for the other card and they said it was proprietary information. They have refused to reverse the charges. Their practices for auto-renewing membership fees are incredibly deceptive and trapped me into a credit card that I no longer want.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-12
Company: FREEDOM FINANCIAL NETWORK
State: CA
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Didn't provide services promised

Complaint:
I, XXXX XXXX made a complaint about Freedom Debt Relief misleading ( CFPB complaint ID # XXXX ) on XX/XX/XXXX. After that complaint, FDR contacted me to solve issue. FDR stopped drafting out my money and tried paying off to creditors. Then set up my graduation date on XX/XX/XXXX. FDR drafted bi weekly as program deposit since XX/XX/XXXX to XX/XX/XXXX is {$22000.00}. I enrolled in 9 debts amount is {$21000.00}. XXXX over withdrawal amount is {$1000.00}. FDR refunded to me only {$940.00} on XX/XX/XXXX. FDR promised and showed in my client dashboard that XXXX XXXX to date amount is {$4500.00}. FDR paid to all creditors amount is {$16000.00}. 
{$22000.00} - {$940.00} = {$21000.00} {$21000.00} - {$16000.00} = $ XXXX I pay {$21000.00} ( over {$110.00} ) for my total debt {$21000.00} and my question is what's my benefit to enroll in the Freedom Debt Relief program? Where's {$4700.00}? FDR made misleading and lack of negotiation to more interest of debt that I enrolled. 
1 ) If I didn't make first complaint to CFPB, FDR will continue stealing my money and pushing me down to the XXXX. FDR do negotiation for their profit only, not for clients. FDR extend the program period to get more gain. 
2 ) I made payoff amount by borrowing in XX/XX/XXXX to end program to control my financial situation. But FDR didn't stop and I couldn't control my interest payments behind the program. FDR ripped me off, broke family life, mentally, financially, physically and FDR did discrimination to me also. Now my entire life is totally mess up. I had phoned and messaged with FDR many times and begging and request but FDR didn't please to me. FDR has all recorded conversation with me.

3 ) I do truly statement that Freedom Debt ReliefXX/XX/XXXXand I'm a XXXX person. FDR takes clients ' hardship pure white money, tears, blood andXX/XX/XXXX to the clients. 
4 ) I humbly request to CFPB that please publish my statement complaint to the public, everyone to avoid Freedom Debt Relief 's trap and GIVE PUNISHMENT TO FREEDOM DEBT RELIEF. 
Appreciated and sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been working on my EXPERIAN credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX and there is XXXX, GA XXXX. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-04-29
Company: Bread Financial Holdings, 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:
Zales Jewelry is reporting my late payments to third parties agencies which in this matter are the three credit agencies which are XXXX, XXXX and XXXX. Pursuant 15 U.S. Code 1666b - Timing of payments ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Zales Jewelry is in clear violation of this law. Zales Jewelry is also reporting my transactions or experiences which is another violation of the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer 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 ; which in this matter is my Utilization. Zales Jewelry has been my causing my family and I huge distress by reporting these items on my consumer report with its negative impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Throughout my XXXX college and university career, I took out school loans equaling about $ 55k through XXXX XXXX which was the only lender used by those institutions. In XX/XX/XXXX, I became aware of the PSLF and inquired about it. I was told to keep paying the loans as there was insufficient information and I was doing what I was supposed to. At some point, my loans were sold/moved to Navient. I contacted them and also shared that I would like to ensure I was taking the steps to be eligible for PSLF. They also confirmed I should continue paying the loans and as we approached XX/XX/XXXX they would have further information. I inquired throughout the years to both companies, I would say annually, and was told I should just keep paying. Over this last year I inquired again and submitted the PSLF paperwork. My application was denied with the reason that my loan was not a direct loan and that XXXX XXXX and Navient are servicers for student loans. How would I know the difference if XXXX XXXX was the only option I had for subsidized and unsubsidized loans through my public institutions AND they both confirmed that I was taking the necessary steps? When I called about the denial of my application, the Department of Education directed me back to Navient to refinance to become eligible in 10 more years??!!! So I was ineligible because I was paying through Navient and was redirected back to refinance again through Navient! This is 100 % disheartening and, in my opinion, something that should be civilly litigated. I am, as are thousands of others who have been jerked around, the target candidates for loan forgiveness. I am a first generation college graduate and single parent who took full advantage of the opportunities afforded to me to excel and chose to give back as a public servant. I have been successful, and by the time 10 more years comes around, it will be highly unlikely I will be eligible due to income. Calculating the interest and extended loans, I am appalled. 100 % unfair and has caused me excessive grief. Excessive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

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

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: TX
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. 


Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries

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. Please remove these inaccurate accounts stated in my credit report, and correct/update late payments on the accounts I wa
s never late.

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 2023-02-01
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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
On XX/XX/23, we opened a credit card with Wells Fargo Bank. During the process, their computer system did not correctly put my legal name on the credit card, even though it appears on my Wells Fargo account and debit card the correct way. It has enough room to fit it ( 19 of 21 characters ). My banker could not fix this, the system would not let her. When my name came up incorrectly on the pin pad, there was no way for her to fix it. She called what I assume was the bank/employee help line and she was told we could fix it in XXXX XXXX by calling a number. That my credit card would be reissued with my correct last name at that point. So XXXX XXXX later, I called the number I was given. I was told suddenly it would not be fixed, it would be 7-10 days before paperwork arrived at my house ( probably more with mail as it is ). This is NOT what the company told our banker. I was told it would/could be fixed the next day. I escalated this immediately to the " Executive Office '' as this is NOT what I was told. I got a long confirmation/case number and was told I would get a call in two days. When this did not happen, I called them today, Friday, XX/XX/23. I was then told oh no, it takes 7-10 business days for them to call you back, then 7-10 business days for paperwork, then 7-10 business days for them to fix it when they get the paperwork and yet another 7-10 days for them to mail me the correct card. Suddenly an error with the application process ( mostly their computer system making the mistake and not letting their bankers fix it, and the woman at Wells Fargot employee help line giving the banker the wrong information for me that was supposed to be XXXX XXXX later is now 40 days to rectify this!!! I caught this error before the process was completed and their bankers were unable to make this correct on their end due to the Wells Fargo computer system, further, the bankers life line to the company was incorrect on how to fix this! I want to repeat that my name fits on my Wells Fargo debit card and account. It is 19 of 21 characters but their system does not correctly put names on the card. I have tried to remediate this myself and Im getting lies and non-response.

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 2023-10-11
Company: CarMax, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
CarMax Auto Finance engaged in knowing and willful fraud during a consumer credit transaction on XX/XX/2020. I firmly believe this transaction is void due to deceptive practices. They failed to provide adequate notice about finance charges and imposed unnecessary insurance, already included in the finance charge, infringing on my consumer rights. 

Insufficient finance charge notice deprived me of an informed choice. Pressure to buy additional insurance placed an unjust financial burden on me. Worse still, CarMax Auto Finance unfairly furnished incomplete and inaccurate information on my credit report, damaging my credit and credibility. 

I strongly assert that CarMax Auto Finance 's deceptive practices nullify the contract due to fraud. I urgently seek your assistance to investigate, rectify my credit report, and shield others from such practices.

Company response to consumer: Closed with explanation