BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
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:
XXXX XXXX XXXX XXXX notified me in XX/XX/2022 that Bank of America credit card was opened under my name. I checked XXXX and XXXX XXXX and verified that card was opened under my name even though balance was showing {$0.00} dollars with a credit limit {$15000.00}. I have a perfect credit history and score of XXXX. I have called and notified Bank of America right away to close the account ( fraud department ). XXXX on the phone ( XXXX XXXX stated that he was closing the account right away. It's outrageous they let someone open an account under my name without checking even though i have credit freeze in all credit reporting agencies. Its Bank of Americas negligence might affect my credit rating. They have never notified and or sent a letter to me in regard to cc opening. It appears to me that this gross negligence on behalf of Bank of America should be investigated to see how many other consumers might be affected. They have failed their due diligence steps verifying consumer account opening procedures and liable for any damages i might incur due to their incompetence. Besides closing that account, they should apologize to the consumer in writing who is affected and remove any trace of this cc opening along with offering free credit monitoring. Shame on this kind if shady practices routinely tolerated by Federal Government ( they need to be investigated and receive civil fines for violating my civil rights.

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 2023-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I had reward dollars I used towards my balance as I always have. I also mailed in a payment that took my balance to {$0.00} on XX/XX/22. I then received an email stating my account was overdue. I called and received a credit for overdue amount but they stated I still owed a balance. They want me to pay a {$19.00} fee to take care of this and set me back to a {$0.00} balance. I don't owe them any more money and will not pay the fee. 
I am unable to give you the full account number as I don't have the card. They were supposed to send me a new one, but did not. Capital One told me to destroy the old card as it had been compromised, so I did as instructed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After the data breech I locked my credit with all 3 credit services. Now I want to refinance my home and I can get no response to unlock it. Equafax keeps telling me their system is being backed up. XXXX keeps you running around in phone prompts but will not give you a person to talk to. To frustrated to try XXXX XXXX. Wasted to days and lost my interest rate quote. Feel like I am being held hostage by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
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: Information belongs to someone else

Complaint:
I called Transunion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts : XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking these accounts is inadvertently resulting in me being extorted.

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 2020-04-10
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Resurgent Capital Services stating that it was an attempt to collect a debt and if I didn't notify them in 30 days, there office will assume that the debt is valid.I never received products nor services from Resurgent Capital Services. I sent Resurgent Capital Services a dispute letter and in that same letter I also asked for them to provide me the Instrument of Indebtedness which they have yet to produce, but yet continue to try to collect on a debt in which I do not have with Resurgent Capital Services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: MI
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 am aware that, despite customers providing precise information, your responses to numerous disputes, complaints, and challenges have been using pre-written standard form letters. I understand that this practice is unlawful because each customer complaint should be individually considered and addressed accordingly. 

My letters have been created using readily available software accessible to everyone. Choosing not to process or address my letters would violate 15 U.S. Code 1681i. Delays in processing consumer letters based on the assumption that third-party assistance may be available are illegal and do not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my full knowledge and consent. Failure to respond to my correspondence promptly will be interpreted as a willful disregard for my customer rights, and I will be compelled to involve my lawyer and pursue legal action. 

According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the accepted Metro 2 data field reporting standard, I have the right to dispute any information on my credit report that I believe to be inaccurate. It is crucial that all data in a consumer 's file is properly documented and validated before being made available for use by creditors. Therefore, I take this matter seriously. 

The allegations of delinquency and derogatory information against me are entirely false, and I am unwilling to accept any misinformation associated with my name and financial history. I am determined to fight back vigorously. The accuracy of your credit report is paramount. The listed allegations fail to meet federal or state reporting requirements and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would instill greater confidence in the accuracy of the information presented. 

It is your responsibility to maintain and report data with complete accuracy and compliance. Reporting claims that you know do not meet regulatory requirements is unacceptable. We must ensure that all claims are accurate and reported in the appropriate format mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with the utmost care and diligence. 

XXXX XXXX XXXX Charge-off {$15000.00} XXXX XXXX XXXX Charge-off {$4200.00} XXXX XXXX XXXX Charge-off {$5100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: Radius Global Solutions LLC
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX Subject : Formal Complaint Regarding Inaccurate Reporting by XXXX [ Account Number : XXXX ] To Whom It May Concern, I am writing to formally file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate reporting of a balance by XXXX pertaining to my charged-off secured credit card account, with account number XXXX. I want to bring to your attention the concerning discrepancy in the reported balance and the true nature of this secured credit card account. 

It has come to my attention that XXXX inaccurately reported a balance of {$210.00} for my charged-off secured credit card, despite the fact that this account was initiated as a secured credit card with an accompanying deposit. I would like to emphasize that at the inception of this account, I made a deposit as per the terms and conditions of a secured credit card agreement. The remaining balance should have reflected not only the deposit I made but also the funds that XXXX retained in accordance with the terms of the contract. 

I hereby request that XXXX provide authentic and verifiable documentation of the original debt and the associated contract that clearly outlines the deposit I made and the terms governing the retention of a portion of my funds. It is imperative that XXXX presents accurate and conclusive proof of the financial arrangement that was established at the outset of this secured credit card account. 

In the event that XXXX is unable to produce the requested documentation that supports the reported balance and the terms of our agreement, I insist that this inaccurate reporting be promptly removed from my credit report. It is of paramount importance that my credit history accurately reflects the true nature of this account and the financial obligations associated with it. 

I appreciate your prompt attention to this matter and kindly request that you initiate an investigation into this discrepancy. I believe that the CFPB 's intervention will play a pivotal role in ensuring fair and accurate reporting practices by financial institutions. 

Thank you for your consideration and assistance in resolving this matter. I look forward to your timely response. You can reach me at [ email address ] or [ phone number ] should you require any further information or clarification. 

Sincerely, 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 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 U.S.C 1681. 
XXXX XXXX account # XXXX, has violated my rights. 
XXXX XXXX XXXX account # XXXX, has violated my rights. 
XXXX  XXXX account # XXXX, has violated my rights. 
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 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. 16815-2 ( 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 2022-05-06
Company: Experian Information Solutions Inc.
State: TN
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 received the copy of my credit report and found inaccurate information, there are late payments showing when I am not really late on this 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 non-monetary relief
Consumer complaint received 2021-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Transunion is violating my consumer rights pursuant to the Fair Credit Reporting Act. I did not give permission for this account to appear on my credit file or did I validate it. Pursuant to Title 15 1681B, there must be Permissible Purpose for something to report to my credit file. I did not give written instruction for the account U.S. Bankruptcy Court to appear on my credit file. Transunion is using fraud by using identifying information without any lawful authority to furnish this information on my consumer report. By definition Transunion has committed identity theft.FCRA also state 1681b ( e ) ( 6 ) - All CRAs must work together and be joined. Consumer reporting agencies on a nationwide basis must maintain a joint notification system. I have reason to believe and do so believes, this subsection was enacted to maintain maximum possible accuracy amongst consumer reporting agencies. This information for US Bankruptcy Court on my consumer report does not match other consumer reporting agencies XXXX and XXXX, which means your company has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). This account, US Bankruptcy Court, account number XXXX be removed. According to FCRA15 U.S.Code 1681c-2 ( a ) Transunion, with appropriate proof of the identity, a copy of an identity theft report, and a statement by I, the consumer stating the information in connection with US Bankruptcy Court account number XXXX is not relating to any transaction by myself, Transunion is required to place a block on my consumer report on the information associated with US Bankruptcy Court account number XXXX. This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim.

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 2019-09-17
Company: Dyck-O'Neal, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with DYCK ONEAL. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX and XXXX  with no successful resolution. There was definitely an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
To Whom It May Concern : It has been brought to my attention that XXXX XXXX XXXX } has listed { negative listing } on my XXXX file. To my knowledge, I have never had account with { CHASE }. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from { CHASE } including copies of any documentation associated with this { negative listing } which bears my signature. In the absence of such documentation, I request that this CHASE be permanently removed from my XXXX report. For your records, my contact information is as follows : XXXX XXXX { XXXX } { XXXX XXXX XXXX } XXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Experian Information Solutions Inc.
State: VA
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:
Contacted both XXXX XXXX XXXX and Experian via phonecall XXXX. 
I was denied a charge card by XXXX via letter dated XX/XX/2021 for the following reason -> Insufficient credit experience and it was based on " in whole or in part, on information obtained from the consumer reporting agency : Experian '' and " is unable to supply the specific reasons why we have denied you credit. '' I telephoned and spoke to the XXXX XXXX  representative who was NOT helpful at all he referred me to the credit agency Experian. 
I telephoned and spoke to an agent of Experian and I explained to him that I am XXXX  years of age and if he could explain the reason given " insufficient credit experience '' for denial of a charge card that I could conveniently use during my travels. He stated the reason being that I do not use my credit cards showing any balance of any kind. My usage of the credit card ( s ) that I do have is consistent and I pay the balance in full to avoid any accrual of interest payments added to my credit statements. It is of my opinion that this is an unfair practice and a case of age discrimination in regards to applying for a charge card as a consumer in the marketplace especially since I have excellent credit and pay my bills in full. Furthermore, I feel that I have sufficient credit experience NOT " insufficient ''.

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 2023-10-11
Company: Experian Information Solutions Inc.
State: CA
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:
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. I had received a mail from the IRS that someone tried to file taxes under my name, I start doing investigation and start getting all the call from those companies, I called my lawyers that is how I found out I am a victim of identity theft. I filed a complaint with FTC. 

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Achieve, XXXX XXXX XXXX  XXXX account, and XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

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

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