BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
on XXXX new Bank of America credit card was opened in my name and the confirmation was sent to my wife 's email address ( XXXX ) not mine. My email is XXXX. My wife dose have a Bank of America credit card in her name. They did a hard inquire of my credit and it showed up on my credit report. 
I called Bank of America to cancel the card and my credit report ( XXXX ) to have the hard inquiry removed. I don't know if anything else has been compromised. Below is the email that we received. 


From : Bank of America XXXX Date : XX/XX/2023 at XXXX AM EST To : XXXX Subject : Notice : Your Credit Card Has Been Approved Reply-To : Customer Service XXXX Bank of America Your credit card application has been approved XXXX XXXX, We're happy to XXXXet you know that you've been approved for the BankAmericard credit card. In the next 7-10 business days, you'll receive your new credit card in the mail, along with important information about your account, including your Credit Card Agreement, account benefits and details, and information on how to manage your PIN.

Please review and save this information. To activate your card, follow the instructions that come with your new card.

Important note : If you requested a balance transfer with your credit card application, please continue to pay your other lender ( s ) until you receive confirmation on your first statement that the transfer has been approved and completed to avoid late fees or delinquency. 

We'll never ask for your personal information such as SSN or ATM PIN in email messages. If you get an email that looks suspicious or you are not the intended recipient of this email, don't click on any links. Instead, forward to XXXX then delete it. 
Please don't reply to this automatically generated service email. 
Privacy Notice Equal Housing Lender Bank of America , N.A . Member FDIC 2023 Bank of America Corporation

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 2023-11-28
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This Is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are Investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint. with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v.

Trans Union Corp. No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you will be liable for your willful non-compliance. Please Remove all Fraudulent accounts as i have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC I am also keeping the companies listed below informed of your willful noncompliance CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX XXXX : State senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and Insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Someone fraudulently switched the title/ownership to a vehicle I had and repossessed it back in XX/XX/2017. The DMV investigated and prosecuted this person, I never got the car back although DMV was aware that fraud was committed and I had nothing to do with it. This vehicle is being reported on my credit as a charge off with numerous late payments however I have provided the furnisher as well as All 3 credit bureaus with over 10 certified documents from the DMV showing the day the title was transferred, who actually did it, the new title to the car once it was done and an investigation report. I mailed these documents in and Ive spoken with several representatives over the phone. The furnisher is still not removing this account from my credit report nor are the credit bureaus when it was clearly fraudulently taken from me and was not a charge off, XXXX XXXX  has been aware of this incident since XX/XX/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 2021-02-07
Company: DISCOVER BANK
State: NC
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:
On this DATE we made a reservation to a XXXX XXXX hotel through XXXX we made an initial deposit of {$570.00} on XX/XX/XXXX. We then paid the rest of the trip a total of {$1300.00} on XX/XX/XXXX. The week that the trip was scheduled, due to COVID-19, our flight was cancelled and the airline refunded our money. The lockdowns in our area forced us to cancel the trip to XXXX XXXX. At the time XXXX XXXX offered us a voucher via phone conversation. Unfortunately unbeknownst to us they closed their doors in XXXX. We reached out to XXXX XXXX on XX/XX/XXXX to ask where our voucher was and found out in an email response that they were temporarily closed for eight weeks beginning in XXXX. We then found out through news articles online that they had permanently closed. The XXXX XXXX XXXX also states they are out of business. We have reached out to XXXX several times to see if they could refund us and they have not helped us at all only promising to call us back and then they never called us back. They say XXXX XXXX would be the ones to give us a refund. But obviously there's no communication availabile to XXXX XXXX because they're closed. Unfortunately after months of trying to to communicate with XXXX, we have been told by them that the hotel was suppose to process a refund, we still have not received any refund. We started a dispute with DISCOVER in XXXX to see if they could help us resolve the issue. They have continued to ask us for new information stating that they can not reach out to the merchant who charged the card. We have provided mountains of information and still have been denied a refund. We were charged for services that were never rendered. We have waited months for DISCOVER to look into the dispute which is well beyond the window allowed according to the fair credit billing act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-16
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022, I logged into my Citi credit card account to check on XXXX of my XXXX credit cards I keep with them. When I logged in, I was unable to access my Citi XXXX card and saw a message that said it was inactive. I was concerned because I had not deactivated or done any action to close the account. I was worried there was fraudulent behavior and called Citi at XXXX in the evening. I spoke to several reps, who advised that my account was shutdown by Citi because it was inactive for 15 or 18 months ( XXXXwo reps told me two different answers ). I was quite upset. This is my longest tenured credit account and it's important for my credit score. It was extremely unfair of Citi, and honestly pretty deceptive, to shut the account down without telling me. On top of that, when i asked them to re-open the account they said it would take XXXX business days AND require a hard credit inquiry, notwithstanding the fact that I have an XXXX XXXX and another open credit card with active usage with them. 

It was like Citi was intentional about damaging my credit and did so in a way that was unprofessional and hidden, they never reached out to inform me of their actions. I never received a notification my account would be closed. I had not read my credit terms in YEARS ( because I'd had the card for so long ) that my account would be shut down for inactivity, and they did not provide me any warnings or letters that it would get shut down. 

I pushed to escalate and was finally advised that a more senior customer rep would call me back shortly. I asked that they call me between XXXX and XXXX AM because I would most likely be unable to take a call later in the day. I heard nothing for several days then on XX/XX/XXXX, I received a call back at XXXX, which I missed due to my work. I've given up with them, Citi is punishing me for literally no action, my card was shut down because I hadn't used it, and that directly hurts my credit. To re-open it is a hard inquiry, further damaging my credit. I am going to look for a new home soon and every basis point of interest matters in a mortgage, so Citi 's crude incompetence will probably cost me several XXXX dollars.

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 2023-11-28
Company: EQUIFAX, 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 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 Number XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number XXXX Account Name : XXXX XXXX : Account Number XXXX Account Name : XXXX XXXX  : Account Number XXXX Account Name XXXX XXXX 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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
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: Account status incorrect

Complaint:
This is 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 response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
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: Old information reappears or never goes away

Complaint:
XX/XX/2021, I attempted to dispute inaccurate information on my credit score affecting my credit score, because I am trying to apply for my va loan to purchase a home, I've contacted the credit bureaus to delete over 13 accounts that exceeds past the 4 year california statute of limitations, but the creditors keep illegally re-aging the accounts that total up to {$20000.00} and the credit bureaus keep allowing me them to, when I dispute the items to let them know what they are doing is illegal, experian, transunion, equifax blocks me from filing the disputes, this has became on ongoing problem for years and something needs to be done about it, I am tired, and frustrated because they keep my scores in the low XXXX 's when my scores should be in the mid XXXX to XXXX, everytime I contact them they do not fix the issues that these creditors are illegally causing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened two bank accounts In US bank on XX/XX/XXXX. One checking account, and one saving account. I opened these account because there was a promotion in the bank that for each account I will get {$400.00} bonus if I meet certain criteria. For checking account {$4000.00} direct deposit within three months and for saving {$25000.00} to be kept in the bank for three months. I already met these criteria. 

I opened these accounts after visiting US bank and the person in US Bank promised that I will get these bonuses. Till to-date I did not get any bonus either for checking or for savings account. I talked to the person in bank several times and he told me that I will get these bonuses at the end of XX/XX/XXXX. But still no bonus was deposited. The bank has informed me in XX/XX/XXXX that it will not give me any bonus. 

I am not happy with the US bank as it has not fulfilled its promise. Please help me in getting the bonus. 

The address of US bank is XXXX XXXX XXXX, XXXX, CA XXXX The persons contacted were : XXXX XXXX and 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 2022-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX. Take off XXXX XXXX. I have credit freeze and never gave information. 
XXXX. XXXX XXXX has old information. I have XXXX balances on my accounts. 
XXXX. My credit history is XXXX XXXX XXXX and they say I have none. 
XXXX. XXXX says XXXX am late on payments in 2017. I was never late. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called XXXX and told them I would make minimum payment and they took XXXX say it wasn't enough. That is a lie.I had agreement with them to pay XXXX $ a month until I got out of accident.

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 2023-11-21
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have not lived in XXXX Michigan in XXXX  years and this report is on my credit!!! This is not me and I just filed a police report against whoever did this and this company will be reported for not verifying identity. We dont even have a XXXX XXXX tx XXXX Please remove this ASAP!!! I have never even been contacted about this or it would have been handled! I have XXXX collections on my report and now I have this small one!!! I did not notice until I logged in my XXXX XXXX to see this had been added

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
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:
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 name : # XXXX has violated my rights. 
Account name : # XXXX name : # XXXX has violate my rights. 
Account name : # 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 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 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 2021-01-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Regardless of the multiple written requests, the unverified accounts and inquiries listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

U S DEPARTMENT OF ED XXXX Date Opened XX/XX/XXXX U S DEPARTMENT OF ED XXXX Date Opened XX/XX/XXXX U S DEPARTMENT OF ED XXXX Date Opened XX/XX/XXXX U S DEPARTMENT OF ED XXXX Date Opened XX/XX/XXXX U S DEPARTMENT OF ED XXXX Date Opened XX/XX/XXXX U S DEPARTMENT OF ED XXXX Date Opened XX/XX/XXXX U S DEPARTMENT OF ED XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4600.00} XXXX XXXX-XXXX  Inquiry Date XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: Premium Credit Bureau
State: NJ
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX Attention : PREMIUM CREDIT BUREAU Credit Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear PREMIUM CREDIT BUREAU This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : PREMIUM CREDIT BUREAU Made on : XXXX XX/XX/XXXX Made with : XXXX  To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation