BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My wallet was stolen on XX/XX/11. I tried to call Bank of America credit card and when I put in my social security number I received an automated message that I now have a new credit card servicer and no longer have an account with Bank of America and I should refer to the letter that sent in the mail. I never received a letter. So I can't close my stolen card. Even worse, I don't even know who my new card servicer is to cancel that. There is no information on line and I can't get through to customer service for Bank of America because I am no longer recognizable. I don't really know what do here. Please help me out. 
Thanks 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 2021-06-17
Company: Debt Recovery Solutions, LLC
State: KS
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:
I checked my credit report last month around XX/XX/2021 and i saw this fraudulent account on my profile being reported by XXXX  and XXXX. It is the first time i seen these accounts. I've never received any information from the company or the collector DEBT RECOVERY SOLUTIONS so i don't know whats going on. This account is not mine i've tried disputing and calling the credit repair companies and i also sent letters to the debt collection company. It is extremely hard to get someone on the phone through the system it is very confusing and time consuming. They are violating my rights by reporting this false information. 15 united states code 1681 ( a ) ( 1 ) says they must report accurate information. It has been more than 30 days and all they say is that the information is verified. How, they haven't sent me one document showing that it is mine. I'm so confused how they can just violate the law like this and destroy my credit score and not be held accountable. I do know Fair Credit Reporting Act laws protect me from this type of stuf. 15 United States Code 1681n ( a ) ( 1 ) says any actual damages like the stress plus up to {$1000.00} per violation. I need this stuff deleted our i will have to excercise my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2023-10-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates , LLC filed their claim for a XXXX XXXX XXXX  XXXX credit debt against me stating the debt was Opened with XXXX  XXXX on XX/XX/XXXX. This reported date is incorrect, the actual date XXXX XXXX XXXX  XXXX reports is XX/XX/XXXX, see attached document. 
Portfolio Recovery Associates , LLC will not provide the date the debt became past due. I attached a copy of an email from XXXX XXXX that shows the account went past due Sun, XXXX XX/XX/XXXX per XXXX XXXX XXXX XXXX. 
The date the debt became past due is greater than 4 years from the date Portfolio Recovery Associates , LLC filed their collection action per the XXXX  statute of limitations. 

I have sent letters and left phone messages with no response. 
Portfolio Recovery Associates , LLC, XXXX XXXX  XXXX, XXXX, Va XXXX Portfolio Recovery Associates , LLC is not licensed in XXXX  as a debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17
Company: EQUIFAX, 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:
I AM IN THE PROCESS OF BUYING A HOME. I HAVE NOTICED ERRORS ON MY CREDIT PROFILE THAT COULD POSSIBLLY HURT MY SCORE. PLEASE REMOVE THESE ERRORS AS SOON AS POSSIBLE. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This complaint concerns Citizens Bank of Massachusetts Account Name : XXXX XXXX, XXXX. 

On XX/XX/XXXX, XXXX wrote check # XXXX in the amount of {$10000.00} to XXXX XXXX XXXX XXXX, a company we do business with. On XXXX XX/XX/XXXX, we were notified by XXXX XXXX that they had not received payment. We confirmed that the payment had cleared our bank and funds withdrawn from our account on XX/XX/XXXX. On further investigation, we confirmed that the check had been paid, to a company named XXXX XXXX XXXX XXXX We have no business with XXXX  XXXX XXXX do not know who they are, or why they obtained our check. 

I immediately notified Citizens Bank ( at XXXX EST on XX/XX/XXXX ) by telephone of a potential fraudulent activity and/or an error and asked that they return the funds to our account immediately. I was told by phone that they would investigate and reverse the charge if confirmed. I have a copy of the canceled check that shows the depositor name is not the payee name ; it is clear that this is a Citizens Bank error, but they refuse to acknowledge it. 

On XX/XX/XXXX having heard nothing about the issue, we visited our local branch manager and were advised that the claim was still being investigated. I was promised a call back within XXXX hours by the branch manager. On XX/XX/XXXX, I called him and was told the claim was still being investigated. 

Approximately, one week later, I called the manager and demanded the funds be returned to our account. I was given contact information for a more senior regional manager, XXXX XXXX ( tel XXXX ), Citizens ' " XXXX XXXX XXXX ''. 
I immediately called XXXX XXXX and was told the matter was still being investigated, but that I would hear back from him in XXXX hours. I have heard nothing back. I left him one voice mail that he didn't return. I have since tried to call him two other times, but his voice mail box is now full and I have no where else to go. I've left two messages for the local branch manager, and he has not returned either of them. I think they are just ignoring the issue and hoping I will go away. 

At this point, as far as I'm concerned, Citizens Bank as misappropriated our money. It has been more than 3 months since I first notified them, and I've got nothing to show for it. I have attached a copy of the paid check and a copy of our initial claim notifying Citizens of the issue. 

Any help you can provide would be greatly appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Its a Experian a joint account my part was taken care off its my ex husband but it got charge off/written off XXXX $ XXXX Fed XXXX XXXX XXXX Its shows more than XXXX and the other shows clear also not on the othe creditXXXX XXXX XXXX then XXXX Bank acct XXXX written off was forgiven the acct also XXXX Fed XXXX XXXX acct XXXX XXXX $ written off

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: EQUIFAX, INC.
State: GA
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:
On XXXX XXXX2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my third attempt and I am writing to delete the following information in my file. The items I need deleted are unauthorized inquires from XXXX XXXX, XXXX and XXXX, and the account from XXXX XXXX opened in XXXX of XXXX. These accounts are not mine. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Fair Trade Commission and I also enclosed copies of the Federal Fair Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. I would like to resolve this as quick as possible and without involving my lawyer.

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 2021-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made a purchase on XXXX for {$43.00} on XX/XX/23, and the full payment was deducted from my bank account. However, a few days later, the same payment of {$43.00} appeared as pending in my bank account, affecting my available balance. Despite contacting XXXX, they couldn't see the pending payment without a screenshot, which I couldn't provide due to the Chase app 's restrictions allowing you to take screenshots on an Android phone ... After contacting Chase, they assured me the funds would be available the next day, but that didn't happen. Subsequent calls to Chase resulted in them acknowledging the issue but explaining that, since the payment was pending, I had to wait for it to post which could take XXXX to 5 days before they could address the refund. Despite being pending, the amount was still affecting my available balance for other purchases. Chase claimed their hands were tied due to the pending status. I never authorized the XXXX payment and find it unfair that even though it was only " pending " That this amount of {$43.00} was affecting my bank account balance and Chase was only able to takes actions days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: FL
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Account Number XXXX XXXXXXXX XXXX {$4400.00} POSTED ON XX/XX/2021 CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT

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: EQUIFAX, 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:
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 Account NumberXXXX has violated my rights. Or a 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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 set up financial relief payments XXXX of 2023 for two credit cards with Bank Of America. I also provided new banking information during this set up. On the day the two payment should have been taken out, I was informed that they did not go through. BOA used my prior banking info saved from over a year ago instead of the new account info.

I provided the same correct banking info that I previously provided and the payment went through the next day. Day after this, both cards were reported late on my credit report. ( 1st late payment in over a decade due to their error ).

I then called to discuss this. A rep that was very short and rude assisted me. I requested to delete the payment arrangements made and take my billing info out of their system because of this issue.

While this was done, Bank Of America took it upon themselves to close both of my accounts without approval, authorization and did not inform me this would happen whatsoever.

Thanks to Bank of America, my credit tanked and I am now in an irreversible situation all because of 2 reps that 1- used wrong banking info and 2-closed my accounts without ensuring I would be made aware this would happen.

This is not only bad business but internal credit fraud in my opinion. A Bank of America rep should not have the power to affect peoples lives without their consent or acknowledgement like this. In no way shape or form would I have closed my accounts if I knew deleting an arrangement that I requested be set up would close my account. I set up this arrangement to avoid late reporting to credit agencies and did everything correct to avoid this, and that did not work. I have no idea why you can take a payment from a consumer and report them late the next day, as if your systems don't talk to each other.

I have no idea what can be done at this point but I expect a call back from someone and will be escalating this to everyone necessary. Thank you in advance for your help. If this email can avoid another one of your customers lives to not be tampered with unfairly and without their consent, then I will be happy. If my attempt to relay this awful situation to you can help to reprimand the rep that failed your company and me as a customer, again I will be happy to know I've helped someone else before BOA had their chance to destroy their credit and livelihood without concent. 

I am requesting the call before last be reviewed for quality assurance and future BOA rep training. Your reps need to act more professionally with customers and this kind of thing should never happen to someone in need of a little help from 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 2020-06-11
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently refinanced my 30 year mortgage with Flagstar Bank. I think this is my 3rd loan with Flagstar. My first payment was due XX/XX/XXXX. For various reasons, I decided to not pay until XX/XX/XXXX, which is absolutely allowed. In fact, there is no late fee until after the XXXX of the month. I have never missed a payment ever. 

They called me Tues XX/XX/XXXX at XXXX XXXX  and left a message asking me to return their call. 
They called again first thing this morning XX/XX/XXXX at around XXXX. 

The agent on the phone said she was calling from Flagstar collections. 

I stated that I was very surprised and because I have from XXXX XXXX to make my payment. First she said well your payment was due XX/XX/XXXX in a stern tone. Again I asserted that it was my right to pay within the first 2 weeks of the month without harrassment. And then She said she was in the internal collections department at Flagstar and wanted to reassure methat this matter had not gone beyond the bank??! 

I stated that I scheduled my payment for XX/XX/XXXX. 

She then asked why I was paying " late '' ... what was the reason and did I intend to continue paying this way each month, which I found incredibly intrusive. 

I assured her that I understood the banks were in a tight spot but that I was gainfully employed if that's what she wanted to know. 

Honestly, the whole experience felt abusive. I have never experienced anything like it. 
I am employed, pay my mortgage evey month. I sudder to imaging what they are saying to fols who are struggling.

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 2019-12-04
Company: EQUIFAX, INC.
State: FL
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 was denied credit which prompted me to check my credit report and when I did I noticed that XXXX   had reported 2 different social security numbers on my file and that I had negative accounts on my file as well. This obviously had been the cause for my denial for credit. So I contacted the Credit bureaus that I had noticed the 2 different social security accounts which means that the integrity of my information and put in question the accounts that were opened with this incorrect social security number. More specifically I advised them that the XXXX XXXX account and the associated collections accounts that were on my file were inaccurate and requested that they remove such information from my file. Equifax removed it all and put it all back, on top of that they added the address of one of the collection agencies to my file as it it were my own address. I have request that the addresses be removed but they refuse to comply. As matter of fact, they keep update=ing the items at their will and keep saying that the confirmed that the accounts are mine. How can they confirm this there 2 different social security on my accounts, how can they confirm t his when the address to which the accounts are opened doesn't match my address, how can they confirm this when they are allowing incorrect addresses and incorrect social security accounts to appear on my file? Do the credit bureaus realize the severity of their actions? do they realize that they have done something that is detrimental to my credit file? they must remove these items and correct their own inadequate reporting at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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:
The Fair Credit Reporting Act ( FCRA ) spells out rights for victims of identity theft, as well as responsibilities for businesses. Identity theft victims are entitled to ask businesses for a copy of transaction records such as applications for credit relating to the theft of their identity.

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