BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-18
Company: Early Warning Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XXXX XXXX closed my accounts and REPORTED ME TO EARLY WARNING WITH FALSE PERSONAL AND FINANCIAL INFORMATION. I complaint to OFFICE OF THE COMPROLLER OF THE CURRENCY ABOUT THIS FRAUDULENT ACTIVITY IN XX/XX/XXXX, and in XX/XX/XXXX, XXXX XXXX answered PARTIALLY, stating that they had the right TO CLOSE ACCOUNTS WITHOUT ANY NOTICE TO THE CONSUMER AND THAT THEY HAD THE RIGHT TO CHANGE ACCOUNTS, SAVINGS TO CHECKING, WITHOUT ANY NOTICE, AS WELL. However, XXXX XXXX DID NOT MENTION ANY FRAUD ACTIVITY NOR ANY REPORTING ME TO THE EARLY WARNING. IT IS IMPORTANT TO MENTION THAT THE PERSON WHO CLOSED MY ACCOUNT AND REPORTED ME AS FRAUDULENT ACCOUNTS TO EARLY WARNING WAS SIGNED BY XXXX XXXX, SENIOR VICE PRESIDENT XXXX TELEPHONE BANKING, EXECUTIVE LOCATED IN OHIO, BUT GRADUATED FROM UNIVERSITY XXXX XXXX. IN ORDER TO MAKE THIS FRAUDULENT REPORT, MR. XXXX ALTERED MOST OF MY INFORMATION, PERSONAL AND FINANCIAL, AND THE CONSEQUENCES OF THIS FRAUDULENT REPORT IS DEVASTATING SINCE XXXX. I disputed these TWO FRAUDULENT REPORTS TO EARLY WARNING SERVICES IN XX/XX/XXXX, and the answered I received via normal mail is THAT XXXX XXXX CONFIRMED THAT ALL THE INFORMATION SENT TO EARLY WARNING IS CORRECT AND ACCURATE WITHOUT ANY PROOF. I REQUEST EARLY WARNING REQUEST XXXX XXXX PROOF OF THE INFORMATION PROVIDED WHERE XXXX XXXX REPORT MY TWO ACCOUNTS AS FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Wells Fargo keeps reposting a charge that has been paid for an online order preventing me from closing my account. I placed an online order with XXXX on XX/XX/21, payment was received by XXXX on XX/XX/21, the order has shipped XX/XX/21 at XXXX pm. Wells Fargo changes the pending date every day preventing me from closing my account, the account cant be closed if theres a pending transaction. Its misappropriation of funds, XXXX has been paid for the transaction {$14.00} I receive my merchandise on the XXXX. I have withdrawn all funds from my account, direct deposit has been redirected to another account. I want nothing to do with Wells Fargo they are crooked and dishonest, underhanded.

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 2021-04-18
Company: LEXISNEXIS
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: Account status incorrect

Complaint:
In accordance to 15 usc 1692 cc2 I have invoked my creditor status and notified XXXX, lexisnexis, XXXX, and XXXX  that I am creditor over all accounts in the name of XXXX XXXX are to be replaced as paid as agreed never late for all negative accounts. 15 usc 1681b permissible purposes the reporting agency must place or remove what ever the consumer request and has not changed the creditor score to that of a creditor as requested nor has the master or full file requested been received. 28 usc 3304 prevents the transferring of a debt after creation and once sold the debt is no longer to a third party without a contract. So all debt collectors are fraud without contract with consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Synchrony bank keep calling me on Saturdays and Sundays at XXXX to XXXX XXXX and multiple times during the day.

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 2023-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my debit card without my permission and there was no fraud on the account and there was money in the account. The account was closed by the agent as of XX/XX/2023. I was only notified via email and when I called to rectify the situation I was told they could not reopen the card. Although this was my only means to pay my rent and other bills. I'm

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 2020-03-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I had place temporarily security lift with experian but then I removed the lift and wanted to freeze my credit. But now experian is asking me to send details through mail. I dont want to do that as I was already a victim of identity theft before.

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 2023-09-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding an issue I have encountered with the Department XXXX XXXX XXXX I believe that the Department XXXX XXXX has failed to report my recent payments accurately and has incorrectly charged me interest, which is adversely affecting my credit history and my account balance. The details of my complaint are as follows : XXXX. Creditor 's Name : Department XXXX XXXX XXXX. Account XXXX : XXXX XXXX. Payment Dates and Amounts : - Payment Date : XX/XX/2023 Amount Paid on XX/XX/2023 : {$200.00} - Payment Date : XX/XX/2023 Amount Paid on XX/XX/2023 : {$100.00} I made these payments to the Department XXXX XXXX XXXX XXXX specified dates and in the respective amounts, as documented by my bank statements and confirmations from my payment method. However, to my concern, these payments have not been reported to any of the major credit reporting agencies, including [ List the Credit Reporting Agencies, e.g., Equifax, XXXX, XXXX ]. Furthermore, I have noticed that the XXXX XXXX XXXXXXXX has incorrectly charged me interest on my account balance. At the time of payment, my outstanding balance should have been {$1000.00}, and I should have had no interest due. However, the department erroneously calculated my balance at {$1300.00}, including an incorrect interest charge. This failure to report my payments accurately and the incorrect interest charge are negatively impacting my credit score, financial standing, and the accuracy of my account balance. I have attempted to contact the Department XXXX XXXX multiple times to resolve these issues but have not received a satisfactory response or resolution. I believe that the Department XXXX XXXX has violated consumer protection laws and regulations by not reporting my payments accurately, and by incorrectly charging interest. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate actions to ensure that the Department XXXX XXXX XXXX XXXX its reporting obligations and corrects the interest charge. I am attaching copies of all relevant documentation, including proof of these payments, my account statements, and any correspondence with the XXXX XXXX XXXXXXXX XXXX XXXX support my complaint. I appreciate your prompt attention to this matter and request that you keep me informed of the progress and resolution of my complaint. You can contact me at [ Your Email Address ] or [ Your Phone Number ] if you require any additional information. Thank you for your assistance in addressing these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-13
Company: Bread Financial Holdings, Inc.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The original lender XXXX XXXX- XXXX XXXX had closed the account on XX/XX/XXXX. Then sometime around XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX, on XX/XX/XXXX XXXX posted Account was 30 days past due then on XX/XX/XXXX he put the account in collections which posted a derogatory comment on my credit report. Ive stated multiple times I never had any contract or binding document with XXXX XXXX XXXX. I have no recollection of this account. XXXX XXXX continues to add derogatory events to my credit report violating The Fair Credit Reporting Act. The US Federal Government Legislation enacted to promote accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. FCRA provides protection against the misuse and misreporting of an individuals credit information. XXXX XXXX XXXX has made false reports against my credit report causing serious damage to my credit portfolio.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. I have addresses that are not mine appearing on  my report. Please remove the following addresses. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XX/XX/2019 this company incorrectly reported my account as delinquent. They then reported my payment current for XX/XX/2019 but report XXXX XX/XX/2019 delinquent. After learning this I contacted the company and on more than one occasion was assured it would be corrected. Apparently they had misapplied a payment but the information they reported was inaccurate. A supervisor agreed to remove all delinquencies. The account was closed. To date they have not removed these delinquencies. My account has always been paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay. I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting act 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 lateforanypurpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
I was defrauded, extorted and held ransom by moving companies, including charged {$8000.00} to my XXXX Bank of America Card by a company that I did not hire and that is not in my contract. The company, XXXX XXXX XXXXXXXX XXXX, that charged me {$8000.00} also does not have an active business license to operate and does not have a mandatory federal motor carrier XXXX XXXX to operate legally in the United States. 

Bank of America has not resolved the issue, nor has Bank of America provided me with clear and consise info on what they need from me, nor has Bank of America provided me with clear and concise info on what payment amounts are due during the fraud / billing duspite is in investgation. 

I have provided Bank of America with nearly a hundred pieces of evidence that clearly supports my claim. I have called tirelessly since XXXX to provide anything they need and have asked for speficics on what they might need to resolve and they have not called back nor provided me with the information. 

I was orginally charged {$3700.00} on XX/XX/2022 by XXXX XXXXXXXX XXXX, who defrauded me with lies and fake information to obtain my business and did not honor my contract. XXXX relocations claims they are award winning movers, who have been in business for 46 years on their website, which are lies and fake informantion in order to lure in customers to defraud themXXXX XXXX XXXX XXXX the info on the site is fake. 

I was then charged {$8000.00} on XX/XX/XXXX by XXXX XXXX XXXX XXXX, who I did not hire and again who are not in my contract. I do not have a contract with them. 

Both of these companies involved in these charges have a long documented history of extrorting, defrauded customers, which is racketeering. 

I have been trying to resolve with Bank of America since XXXX. I have been a customer of theirs for 20+ years and I'm a XXXX XXXX however I plan to shutdown all accounts if not resolved.

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 2021-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have been on Nevada unemployment since XX/XX/XXXX of 2020 its now been a year that Ive been on unemployment and seven weeks ago Bank of America prepaid closed my card account for questionable Identity. The first time I spoke with them regarding the issue they wanted me to bring in ID and Social Security card to a branch while Im on the phone with the prepaid Bank of America so that they can verify my identity. I tried doing that for three weeks straight on multiple different occasions just to be told that I have to contact XXXX. When I contact XXXX They tell me to contact Bank of America prepaid. Its been seven weeks going on eight that I havent been able to receive my funds even though I submitted all require documentation I went in person to verify my identity and theres no help Bank of America prepaid sends you to Nevada unemployment Nevada unemployment since you right back to Bank of America. Ive already lost housing since this pandemic started Im about to lose my weekly because Im not having any income I lost my car I literally have no food to eat because I dont even have food stamps qualifying because I make too much money with unemployment but Im not even receiving my unemployment. XXXX finally stopped sending my payments to my Bank of America prepaid card after my balance reached {$1400.00}. I only get XXXX for a week but with the stimulus it amounts to {$380.00} a week. XXXX equals XXXX. I am a XXXX XXXX and pay my own unemployment insurance and I am my own employee so there should be no reason why none of my funds are being with held from me

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 2023-10-06
Company: DISCOVER BANK
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company basically denied my verified FTC report # XXXX, also my verified IRS claim of idenettity theft ( Notice XXXX ) dated XX/XX/19 prior to this incident i was already compromised. Not my fault i dont own the SS #

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
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:
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.

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 2023-07-27
Company: EQUIFAX, INC.
State: FL
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance Owed : {$3800.00} ; XXXX XXXXXXXX Balance Owed : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: Experian Information Solutions Inc.
State: FL
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 submitted dispute letters to the 3 credit bureaus informing of inaccuracies on my credit report that continues to report negative which is impacting my scores in negative manner.

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 2023-08-02
Company: EQUIFAX, INC.
State: TX
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:
Texas XXXX XXXX states that if a tenant is a XXXX XXXX XXXX XXXX and the XXXX is also on the lease then the victim can move without any notification to anyone. Also i am not held responsible for any of the remaining balances. Ive attached a copy of the police report as well as the tenant laws for your records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an items left that need to be removed or Block. Per FCRA section 605 you are required to remove these items listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/202XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/2023

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 2021-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
Tried to call the credit agencies about the incorrect information on my report each one requested a ftc report. They said once they receive a ftc report they will cooperate and take the inquiries off my report.

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