BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account name : XXXX XXXX Account # XXXX. 
Account name : XXXX XXXX XXXX XXXX. Account # XXXX. 
Account Name : XXXX XXXX. Account # XXXX According to : 15 U.S.C 1861 section 602 A. States : i have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it is also consumer reporting agency can not insrtuctions. 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any cons item of information. Any other adverse item of information, other than recordsof conviction more than seven years. 15 U.S.C. 1681 s-2 ( A ) ( 1 ) Aperson shall not furnish any information relating to a consumer person knows or has reasonsable cause to believe that the information

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 2023-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
For the past year I've been contacted via email from a guy named XXXX XXXX who purports to have an Bank of America ATM Card with the amount of {$3.00} XXXX Dollars in my name. He sent me a certificate of transfer stating the same thing, however in order to receive the ATM card he wants me to pay {$500.00} for the shipment and/or activation. I tried to run him away referring to him as a scam, but he has been persistent that he isn't a scam by swearing to XXXX and on his life that he isn't, on the certificate it has the CEO of Bank of America signature on it, I've also contacted the CEO of Bank of America via email to validate the document but to no avail, he didn't respond back. I had an account with Bank of America in XX/XX/2020 however it was closed although I believe it was never closed and I was charged unauthorized fees on the account which diminished the funds that I did have in the account. Under law I believe I'm the rightful beneficiary of the funds stated by XXXX XXXX from Bank of America.

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: MO
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:
It has been a battle going through all this and I have been suffering since the Credit Bureaus have done nothing! Despite the numerous attempts to contact the Credit Bureaus and request for the correction of the accounts reporting erroneous information on my Credit File, the Credit Bureaus have done nothing! It has been 6 months since I started disputing my Credit Files and yet they have been persistent with ignoring my Requests as well as they have been claiming that the disputed items are verified. However, the Credit Bureaus have not sent me copies of proof of verification as a result of their investigation. I am submitting this 11th CFPB complaint to order the Credit Bureaus to either correct the disputed items from erroneous reporting or completely remove these items from my Credit File since the Credit Bureaus have failed to " VERIFY '' these items. Either way, I need my Credit File corrected as soon as possible. I need you to correct and or remove the following items as soon as possible : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/22, an unauthorized user gained access to my CitiBank Online Checking account and withdrew {$20000.00}. The unauthorized user first gained access to my cell phone number through XXXX XXXX. I received a text from XXXX that my number had been compromised and then shortly after my cell phone service was blocked. During that time, the unauthorized user hacked into my CitiBank account by wiring out {$20000.00} from my checking account. While I still had access to my CitiBank account by using my laptop, I saw that the unauthorized transaction was wired to someone named XXXX XXXX from Illinois who had an account from XXXX XXXX XXXX XXXX bank. I had to use my home phone to reach out to CitiBank to stop the wire transfer and freeze my checking account. That same day I went to a CitiBank branch and they informed me that they were able to freeze the pending wire transfer and any future transactions. The next morning I called CitiBank asking about the status update on the wire transaction and was informed that the money, unfortunately, went through. CitiBank then directed me to their fraud department and I was advised to file a fraudulent claim and complete an affidavit providing more information on my case. During this investigation process, I contacted XXXX about the incident. I was then mailed a physical letter confirming that my phone number and personal data information were indeed compromised by an authorized user. The investigation process with CitiBank 's fraud department took around 2 months and with no updates on the status of my claim. I reached out to CitiBank 's fraud department asking if they needed any evidence to support my claim, but they declined my request. I received a mail from CitiBank on XX/XX/22 stating that my claim was denied " due to the fraud reported was caused by providing customer account information or authorization for the transactions that were determined to be a scam. '' I tried contacting CitiBank 's customer service to dispute the results of my claim, but no one was able to help me. 

I have attached screenshots of evidence I have to support my claim. Please let me know what other information you need. Thank you.

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 2022-12-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX # XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX These credit bureaus have violated my rights. 

15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 2 : It also states a consumer reporting agency can not furnish a 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX Account XXXX XXXX** -Date Opened, is not matching with all credit bureaus please investigate this account fix or delete it. 
-Last Date Reported, is supposed to be accurate across all three credit bureaus and its not please fix or delete. 
-Date Last Active, is way off from XXXX and XXXX XXXX or delete it please. 

XXXX Account Number XXXX -High Credit Limit, is different from XXXX and XXXX Deleted this account XXXX Please fix or delete. 
-Date Opened, is supposed to be accurate but its not please investigate fix or delete XXXX Account Number XXXX XXXXDate Opened, is not the same across all three bureaus investigate for accurate reporting or delete it. 
-High Credit, reporting way off from XXXX and not Reported to XXXX please investigate fix or delete. 
-Date Last reported, is supposed to be the same from other credit bureaus but its not please investigate fix or delete it. 
-Date of Last Payment, its more than a month different from other credit bureaus, please investigate this and delete it. 
-Date Last Active, is way off from reported on the other bureaus, which one is reporting correct? Please investigate it. 

XXXX XXXX XXXX Account Number XXXX -Date Opened, is supposed to be the same across all three bureaus but its not, please investigate fix or delete. 
-High Credit Limit , its inconsistent and incomplete. Please fix or delete.

-Date Last Reported, is not the same from the other two credit bureaus, fix or delete.

-Date of Last Payment, is not showing the same date across all three bureaus. Please investigate and fix or delete it.

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 information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I had {$500.00} in fraudulent charges on my unemployment benefits prepaid card issued by Bank of America. I filed a dispute and got a letter from Bank of America stating that they have creditED my acct for {$500.00} on XX/XX/2021. Clearly a lie because here we are at XX/XX/2021 and I have yet to recieve the credit to my acct. I have spoken to the dispute dept at least once a week who have put in a ticket for missing funds. STILL hasn't been done. I have also spoken to many supervisors. Today after spending 40min on the phone asking to speak with a manager I finally was transferred to a supervisor, yet again! XXXX, a supervisor for the prepaid claims dept basically told me OH WELL! There is no ETA for when the money will be deposited despite the XX/XX/XXXX letter stating that the credit was already taken care of. And the dispute dept is the last level of recourse for me and nothing has been done. I have bills to pay!!! This is ridiculous and I'm at the end of my rope with this 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 monetary relief
Consumer complaint received 2023-06-22
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX and Experian are not reporting XXXX student loan accounts despite account information being furnished to them by the servicer on XX/XX/31. XXXX has already reported 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 non-monetary relief
Consumer complaint received 2022-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Capital One locked my XXXX while I was out of town on vacation on XXXX, XX/XX/XXXX at XXXX pm. I received a text message that my card was restricted with a phone number to call. The only way to unlock the card was for Capital One to send a text message with link for me to submit a photo copy of the front and back on my driver 's license. In order for their system to accept my license I was forced to make 5 different calls to Capital One. Finally at XXXX pm while speaking with the fifth representative my driver 's license was successfully received and my card was unlocked. 
The following day, Friday, XX/XX/XXXX Capital One again locked my XXXX at XXXX pm. I called Capital One and was informed I needed to submit a copy of my driver 's license, signed Social Security Card ( SS card ) and proof of residency. I explained I was on vacation and didn't carry my SS card and I did not feel comfortable sending my card. It wasn't requested when the account was opened and it isn't a document I feel comfortable sharing. I asked if there was any other means of verification and was told no. I then requested to close the account but was informed that I would lose my cash back rewards. 
On XXXX XX/XX/XXXX, I returned home and attempted to resolve the issue once again with Capital One. I asked why my account was restricted in the first place and was told it was for suspicious activity. I had the card in my possession at all times and they never requested I verify purchases or any other information. They would only accepted the documents : driver 's license, Social Security Card ( SS card ) and proof of residency. Again, I voiced my concern about sending my SS XXXX and was told that was the only way to unlock my account. I was advised I could make payments or close my account. NO other activity would be allowed. My card would stay in " permanent restriction '' until I submitted the documents. I understand Capital One is trying to protect me as a consumer but all they did was restrict me from having access to my credit account when I needed it most. 
The resolution I am seeking is to get the card unlocked without sending my SS Card. I am willing to verify by other means so I can receive my cash rewards. This is a horrific, stressful and ridiculous verification method without any possibility of overrides. This policy needs to be reviewed. 
Please help me unlock this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-07-21
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:
Equifax, XXXX, and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 

As Defined by The IRS Even if you didn't receive a Form XXXX, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 
15 USC 1681 s-2 Says Equifax, XXXX, and XXXX is a furnisher of information to a consumer reporting agency. 
Equifax, XXXX, and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand Equifax, XXXX, and XXXX to Cease and Desist the reporting of incorrect/ inaccurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: EQUIFAX, INC.
State: NY
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: LJ Ross Associates
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:
I'm a resident of XXXX, NY- and a Notary. To hold the Public Office I must reside in NY, I've attached my Notary Certificate. Look at any bank statement or credit history and you can see everything happens in or around XXXX, NY. I called and said the debt was not mine. I'd like this removed from my credit score and there are already 2 investigations by XXXX and XXXX I've started, but this will take up to 30 days. I'd like this resolved faster because my rights have been violated. I never was given an opportunity to dispute the debt before sending to collections, even though I contacted the Company. This also ruined my perfect credit score with 100 % payments on-time for 20+ years. The collection agency never contacted me ( L.J. Ross ), I contacted them after they hit my credit score by over 40 points without verifying the debt, and even admitted they made a mistake when I spoke to a manager. They said they called me 4 times after I left them a voice mail and instructed them to call my cell phone number. The manager I called on XX/XX/23 admitted the notices were mailed to the wrong address, and the calls were made to the wrong number even though I provided the correct number in my voice mail. He admitted the fraudulent number was contact area code XXXX XXXX XXXX even though I said to call my number area code XXXX XXXX XXXX He ever said he would talk to the employee about this issue and reprimand them. Proof again I never was given an opportunity to validate the debt- the Manager admitted things were not done right and I was a victim. He also said he could tell this was fraud but could not do anything without XXXX 's permission. I'd like to share this as negligence and violations of the fair credit/report act. Also the people I talked to before management at L.J. Ross were very rude and I'd like an apology from that Company, the Manager/Supervisor at L.J. Ross was very arrogant XXXX was negligent in multiple ways.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation