BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
During XXXX of XXXX and despite my account information being on the wire advice Bank of America misdirected a wire transfer payment from XXXX in XXXX to me/my XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX EIN : XXXX ) to an unrelated entity, XXXX XXXX XXXX I was able to correct the banks mistake by getting a check from the unrelated entity so there was never any correction at the bank. Subsequently, Bank of America forcibly closed my personal and business accounts in XXXX despite my XXXX years of business with the bank including a satisfied mortgage obligation. Then in XX/XX/XXXX, I was unable to open a personal depository account at the bank and the business account that I was able to open was forcibly closed by BofA on the very next day. More recently in XX/XX/XXXX, I was denied opening any accounts at Bank of America without explanation. Based o the earlier wire transfer mistake and the banks not accepting any new account for me, and my significant past business with XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX and XXXX, XXXX of whom pay by wire transfer, I believe that several past wire transfer payments intended for me or my business were credited elsewhere that Bank of America now does not want to repay.

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 2022-09-16
Company: EQUIFAX, INC.
State: AZ
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1.  Identity Theft XXXX  XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 2. Identity Theft XXXX  XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 3. Identity Theft XXXX Account XXXX : XXXX As A Consumer By Law This account Must Be Removed Immediately. 4. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 5. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 6. Identity Theft Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XXXX 10. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case!

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. 

CREDIT COLL ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize the following inquiries. 
XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | 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 2023-04-10
Company: Experian Information Solutions Inc.
State: AL
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. 

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 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 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 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 2018-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In the matter of XXXX XXXX XXXX. I have started many disputes for the reporting of inaccurate information on my credit reports.in the month of XX/XX/2018, you can see the proof that on XXXX and XXXX XXXX at the same time different information was being reported. ( see attached files ) The FCRA protects me from having inaccurate from being reported. Also, I was turned down for credit that I would otherwise receive. In complaint # XXXX with the Attorney General, XXXX XXXX per XXXX On XX/XX/2018, sent a letter saying the account is valid and accurate. I only started looking into my credit in XX/XX/2018, so it only shows the lies from them are true.

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 2023-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had XXXX Capital One credit cards for over XXXX decades. They periodically change the name of the cards and replace them with new ones. They are charging me $ XXXX annual fee even though if I applied as a brand new customer today that fee would be $ XXXX for this particular card. I requested a no-fee card but they refuse to consider an upgrade or even a downgrade. They are trying to say since the fee was $ XXXX way back in 2002 when I got the original card that this is the fee forever - even though this is NOT the same card that I was originally issued. They are doing this because they can get away with it. Please hold them accountable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE 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: Credit inquiries on your report that you don't recognize

Complaint:
I received a copy of my credit report and discovered an alleged hard inquiry.

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 2021-09-09
Company: EQUIFAX, INC.
State: NJ
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 items listed below still remain on my credit report in violation of Federal Law. Equifax failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
1. XXXX XXXX XXXX XXXX Balance : {$6000.00} 2. XXXX XXXX Balance : {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  ; Experian and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when in fact ALL of these accounts are in dispute. XXXX XXXX partial account numbers XXXX ; XXXX ; and XXXX. Experian and XXXX  are not investigating these negative accounts that are reporting. They show the following accounts as not in dispute, when in fact ALL of these accounts are in dispute. XXXX  XXXX  partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) All of the above referenced items are in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

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 2023-06-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2021-06-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
USAA credit card held a credit card payment for 7 days. In the mean time, auto-draft bills from the credit card account got declined and USAA had no resolution on and offered no work around.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Santander consumer the account was closed and sold to XXXX. It was then written off as a profit and loss. The account was closed XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Upstart Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Since XXXX this year I have been asking Upstart to delete the fraudulent report that someone took out in my name. It was the result of identity theft. I have sent them so many letters, the last one was in XXXX. They know that the account is fraudulent and acknowledge it. However they keep telling me I need to speak with a third party called XXXX XXXX about getting the account resolved or getting the record deleted. This is not my account its fraud. FCRA requires them to delete accounts within 5 days when Identity theft is involved. They are being irrational and telling me to ask someone who does not have any record on my reports to delete it. It make no logical sense. Upstart needs to delete this public credit record as its clear that the account is not mine. 

My name is XXXX XXXX XXXX XXXX. They can not produce any signed agreements with my name. I have been dealing with so many people opening accounts with different variations of my name, but I use my full name when I do loans because the identity thieves do not have that information. Please see my attached birth certificate. 

Please compel them to follow the law and delete this. They have been provided everything they need yet they keep being irresponsible and stubborn. Please make them respect the your organization and respect Federal Law! 

I am a XXXXXXXX XXXX XXXXXXXX XXXX veteran. This is affecting my health tremendously. I am not well and the stress of having my identity stolen and being put through so much to fix the damage is exhausting. I should not need to spend so much time fighting this. I am an honorable man who has been awarded many medals. I deserve to be believed and respected!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Incorrect satisfaction of mortgage was recorded at the XXXX XXXX XXXX office. The tax map designation on the lot was incorrect on the satisfaction. This was discovered during a title search of the property as we are selling. I contacted Bank of America by telephone on XX/XX/2020 at XXXX and after 2 hours was routed to " XXXX ''. I was told that a corrected satisfaction would be provided. The subsequent paperwork sent over was not for our property. I was however provided with the direct phone number of the supervisor " XXXX '' at XXXX. XXXX Calls were placed and voice mails left - none were returned. I called again on XX/XX/XXXX and was told to just " send an email and/or fax to the Lein Release department at XXXX. Letter was also faxed to XXXX. An automated response was received on XX/XX/2020 saying that a response would follow within 2 weeks. Nothing received to date.

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 2023-02-26
Company: LendingPoint Holdings LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
" If you don't pay your overdue balance immediately, we will have no choice but to report your delinquency to the credit bureaus, which could seriously harm your XXXX XXXX and prevent you from obtaining loans or credit in the future. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: CITIBANK, N.A.
State: VI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
While I deeply appreciate the services and credit extended to me by financial institutions, I find myself perplexed at the inability to secure credit limit increases on my accounts. Notably, all of my accounts are in good standing, with a consistent history of on-time payments. Additionally, I have recently experienced a significant increase in my monthly income, which bolsters my financial stability and capability to manage credit responsibly. Given these positive factors, I am keen to understand the criteria or concerns preventing the approval of credit increases. I believe that a reconsideration based on my improved financial position and impeccable credit management would be both fair and beneficial for both parties.

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 2022-09-16
Company: Bridge It, Inc.
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
So Ive been cleaning up my credit reports and I happened to notice this tradeline from BrigitXXXX XXXX XXXX there with a Closed, Paid status with 3 late payments reporting on my credit reportsthe problem is is that I NEVER had an installment loan with this company..I contacted them and they said that they deleted the account and any information pertaining to this fraudulent account, but here it is months later and its still on there for some reason. So I contacted them again and they say they have no information in their system involving an account with my credentials reporting to the credit reporting agencies, BUT THEY DO!!!! As you can see in the screen shot provided. It is reporting on my reports which is hindering my financial freedom and it needs to be rectified IMMEDIATELY.!!! Remove this fraudulent trade line from all 3 credit reports, ( XXXX, XXXX, XXXX ) or I will be forced to proceed with my legal representations advice of graying legal action against you all. Litigation will commence if this isnt rectified immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX LOT XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX SC XXXX ; Medical XXXX Balance : {$35.00} ; Medical XXXX Balance : {$33.00} ; Medical XXXX Balance : {$35.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX account # 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief