BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
XXXX ) XX/XX/XXXX, I discovered a fraudulent XXXX XXXX Nevada Unemployment Insurance Claim under my Social Security Number. The discovery was made during a conversation with Bank of America about my B of A EDD Debit Card Account. I was alerted to potential fraud by the fact that he had received an email at his Priority email address at work about his EDD Debit Card account, and the EDD Debit Card Account was from XXXX. This made no sense because B of A did not have my work email address, and the account would not have been tied to his current work place ( XXXX ) years later. After speaking to the fraud representative at B of A, the fraud representative decided to file a complaint with the Nevada Unemployment Agency alerting them to the fraud, and both B of A representatives suspended and blocked the fraudulent account in Nevada under my Social Security Number, and he petitioned the CA EDD to close my old EDD Debit expired Debit Card Account. The name of the party using my Social Security Number is XXXX XXXX. 
XXXX ) XX/XX/XXXX, I filed a Credit Freeze with all the major Credit Bureaus in the US, XXXX, XXXX, and XXXX XXXX. 
XXXX ) XX/XX/XXXX, I filed an Identity Theft Complaint with XXXX ( FBI ) XXXX 
XXXX ) XX/XX/XXXX, I filed a fraud complaint with the Nevada XXXX XXXX XXXX ( DETR ), filing said complaint and report electronically. 
XXXX ) XX/XX/XXXX, I filed a Police Report with XXXX XXXX Police Department, said report is filed under report number XXXX, by XXXX XXXX, Badge Number XXXX. 
XXXX ) XX/XX/XXXX, I filed a Fraud Alert with XXXX XXXX, which oversees US Checking and Banking. 
XXXX ) XX/XX/XXXX, I filed a Fraud Identity Theft Complaint with the Federal Trade Commission. 
XXXX ) On XX/XX/XXXX, I ordered a XXXX XXXX XXXX Report. 
XXXX ) XX/XX/XXXX, I filed a Fraud Alert with all the major Credit Bureaus in the XXXX, XXXX, XXXX, and XXXX XXXX. 
XXXX ) I did everything possible, and Bank of America did nothing, and they did not close the account after informing them of all of that, instead they started sending me USPS mail about the fraud infected B of A EDD account, alerting me to the fact that the account was still open, and after all of that stated above. This is incompetence. 
XXXX ) On XX/XX/XXXX, B of A sent me another letter, after 10 years of this back and forth, still claiming an active account associated with fraud. 
XXXX ) When I called them the XXXX time, they said they would not close the account, the person I spoke with in XX/XX/XXXX of XXXX, his name was XXXX, and the one prior to that date in XXXX of XXXX was 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 2023-04-18
Company: FREEDOM FINANCIAL NETWORK
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or misleading advertising or marketing

Complaint:
Today at XXXX EST I received a phone call from a local area code. A robot named XXXX told me she was calling from a non profit company called Freedom Debt Relief and connected me with an agent. I asked him if they were indeed a non profit and he said no. I suggested they update their VRU and he ignored me, continuing with his sales script.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: OH
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:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX # XXXX, MI XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MI XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX, IL XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In the fall of 2020 Capital One switched the type of checking account that I have. Since the change over my direct-deposits are not credited in the timeframe that they have been in the past ( theyve excluded Saturday postings and credit funds on Monday ). 

Additionally I have been subject to fees and charges that were nonexistent with the previous checking account. In fact Ive made more customer service phone calls since the switch then I have in the combined years that Ive been a customer. 

Lastly I reported a unauthorized charge and was promised a provisional credit for a case that was ruled in my favor only to have it retracted and an overdraft fee charged. 

Its my belief that they switched my account to make more of a profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Equifax is keeping me from cancelling my subscription. When I try to log in I am told it is the wrong login information which is the information I keep in my XXXX XXXX account. When I try to get help logging in I enter all the information they request such as Social Security number, name date of birth, mobile phone number and email address, I am told that they are unable to help me. I have already signed up for XXXX  Credit Reporting, so can you see my dilemma? Thank you for any help you can provide me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I tired to dispute fraudulent information with this credit bureau because my information was stolen online and used

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 2021-03-13
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: Reporting company used your report improperly

Complaint:
I XXXX XXXX NEVER GAVE THESE AGENCIES ANY CONSENT OR AUTHORIZATION TO REPORT THIS ACCOUNT TO MY CONSUMER REPORT!!!!! 

XXXX, TRANSUNION, XXXX  ARE BREAKING THE LAW UNDER Under 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.

IM A PROTECTED CONSUMER AND KNOW MY 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 2023-02-06
Company: Experian Information Solutions Inc.
State: UT
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 Account name : XXXX XXXX XXXX. Account # XXXX, Account name : XXXX XXXX XXXX. Account # XXXX. Account name : XXXX XXXX XXXX XXXX. Account # XXXX. Account name : XXXX XXXX. Account # XXXX. Account name : XXXX XXXX XXXX. Account # XXXX. Account name : Utah XXXX XXXX. Account # XXXX. Account 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 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 beleive 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 2017-03-21
Company: Coastal Credit, LLC
State: OH
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
My cell phone rung and I told someone to answer it and the debt company did not verify who they were speaking to and disclosed all of my personal business about me being 30 days behind on my car note and demanding payment ... then when the person told them they could n't do that the lady became upset and tried to lie and say he said he was my son and then she hung up..after disclosing my personal business

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: FL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$42000.00} XX/XX/XXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$37000.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: JPMORGAN CHASE & CO.
State: CA
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 never late on the payoff account with Chase home loan please show me documentation proof of transaction being late to support your inaccurate reporting on my credit report if you can not supply this delete late payment off my credit report the FCR allows 30 days to fix this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
XX/XX/XXXX : Open checking account with SunTrust using promo code XXXX. The terms is " Earn {$200.00} for opening a new SunTrust Essential Checking account. Then, within the first three full months after opening the account, complete at least {$500.00} in Direct Deposits*, per statement cycle, for two consecutive cycles**. '' ** Activity included on a partial statement will not be evaluated. The first 3 full statements will be evaluated for the Direct Deposit qualification. 

I have received 3 statements so far : The first statement is from XX/XX/XXXX to XX/XX/XXXX : In this statement period, I have direct deposited {$1600.00} twice. 
The second statement is from XX/XX/XXXX to XX/XX/XXXX : In this statement period, I have direct deposited {$1600.00} twice. 
The third statement is from XX/XX/XXXX to XX/XX/XXXX : I did not direct deposit in this statement period. 

Based on the above, I fully believe I satisfy the requirement of " within the first three full months after opening the account, complete at least {$500.00} in Direct Deposits*, per statement cycle, for two consecutive cycles**. '' My first and second statement both has direct deposits. 

However, SunTrust claimed that I did not satisfy the requirement by not making any direct deposit in the third statement. This does not make any senses because the offer only requires Direct Deposit for two consecutive cycles within the first three full months. SunTrust disqualifies me for the {$200.00} bonus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

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 2023-11-20
Company: EQUIFAX, INC.
State: FL
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I have sent several disputes to TransUnion over the past year regarding three unauthorized or fraud-related accounts on my credit report. 

TransUnion has violated FCRA multiple times by refusing to conduct a proper investigation into a disputed item. On XX/XX/2022, I spoke with XXXX XXXX, Supervisor, in the US Special Handling Team disputing specific items on my credit report and send him a letter via USPS Certified Mail disputing the same items. The investigation results came back verified on XX/XX/2022 way beyond the required response timeframe ; Report # XXXX XX/XX/2022, I sent TransUnion a method of verification request letter into their investigation via USPS Certified Mail ( XXXX XXXX XXXX XXXX ). TransUnion has violated FCRA by refusing to provide any proof of their investigation and only resent the same response as sent on XX/XX/2022, verifying the results. As you can see from the attached documents, TransUnion has again disregarded my investigation request and second demand for verification method proof and documentation. 

I request a thorough investigation into TransUnion by CFPB due to their failure to provide the proper documents and proof of their investigation into each item indicated in the letters. I further request that TransUnion remove the disputed items due to their inability and failure to provide the proof of their investigation methods, both immediately and permanently.

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 2022-04-28
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In short, we purchased furniture through a 48-month equal pay no-interest credit card offered by XXXX XXXXTD Bank. We have made every payment on time through autopay with our bank XXXX XXXX Everything has been fine, but around XXXX of XXXX, they started to recieve our payments late and charging us late fees. We called and moved up the payment another week in our system. Still, they received late. We called again, moved it up another week, and still, they charged us a late deposit. At this point, after calling and trying to work it out, it is clearly intended to make money, or they are completely incompetent. They owe us over {$130.00} in late fees that frankly were not sent out late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-20
Company: LEXISNEXIS
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX I received confirmation from Lexis Nexis that they removed address from my credit report based on my dispute during that time frame. On XXXX I received an updated credit report and much to my surprise they have reinserted the addresses they said they removed and add others. The report number of the most recent report with the reinserted information is Consumer Number XXXX and Case Number : XXXX. I have enclosed a copy of the dispute results that shows they removed addresses. The new addresses added that need to be removed are as follows : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX As well as I'm requesting that they remove all phone numbers and emails

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
My entire life I only studied and took student loans for two colleges, and the two colleges are XXXX XXXX XXXX College District  ( XXXXCD ) and XXXX XXXX University  ( XXXXU ). I studied and took student loans for no other college in my entire life. All of my student loans are either currently in deferment or forbearance status. I have several student loans over several semesters between the two colleges that are bundled together ; then come along this lone student loan as an outlier. I only signed up for government aid and not private student loans. I suspect this student loan was made out of fraudulent activity. This is not my obligation. 

This student loan is from XXXX  Federal Perkins Loan Servicer with a principle amount of {$3000.00} and a current balance of {$3600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation