BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-28
Company: BANK OF AMERICA, NATIONAL 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:
Approximately XX/XX/XXXX, I attempted to change my payment method with Bank of America to my new bank account. Unlike EVERY OTHER XXXX who connects to my new bank using PLAID, Bank of America informed me that it must first make deposits in my account which I would later confirm. This occurred on XX/XX/XXXX. ( PLAID takes about XXXX minute per account. ) I confirmed the amounts and verified my new bank account. Every current Bank of America currently says to login and click XXXX XXXX on their first page to change my auto pay. Of coursethere is literally nothing on ANY account page that says XXXX XXXX. Instead, I went into Payments, saw my scheduled payment for XXXX, clicked Edit Payment andit would only let me use the OLD bank account. No problem, I will set it up again. I returned to the Payment screen, clicked CANCEL PAYMENT several times and realized it was only canceling payment on a month-to-month basis. No problem, I went to Manage Payment Methods, DELETED the old account, checked that this deleted all scheduled payments, and tried to set up a new paymentbut where? 

Eventually, I found that there was a VERY SMALL link that says XXXX. I set this up for my next due date and minimum payment. I received a confirmation that I read as my autopsy being confirmed and my next due date. Perfect. 

XXXX never showed up in my scheduled payments. So I called and after XXXX minutes I was told they payments set up on XX/XX/XXXX would not be in effect until XX/XX/XXXX over XXXX weeks later. I was also told that it would NOT show up in scheduled payments until XX/XX/XXXX, XXXX days AFTER I expected a payment to post to my account. 

I then tried to set up bill pay with my new bank, XXXX XXXX, only BoA doesnt accept electronic payments through XXXX XXXX 

I then logged into my BoA account again, canceled and then reapplied XXXX and realized that it says ( in very small print, above the important details of DUE DATE ( which was indeed the due date on which I expected my payments to occur. ) The reasonable person probably not even have read this far. They would have seen that autopay was set up and never noticed a discrepancy until their next bill IF THEN ( since they already had it on autopay. ) This is clearly a petty scheme to exhaust/defraud BoA credit card customers who want to make timely payments but who are frustrated at every step by arbitrary barriers, insane limitations, and the excuse that you didnt read the fine print for requirements NO ONE ELSE has. This is predatory banking.

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 2023-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023, I answered Capital Ones questions regarding Claim No. XXXX that I had filed regarding wrong wigs that were sent to me and the seller is not responding. Capital One deposited a provisional credit in the amount of {$54.00} into my checking account. I was sent an email from Capital One stating the claim was denied because they said I had not provided the information that they had requested. As I stated before, I provided the information to XXXX XXXX XXXX  as instructed. When I contacted Capital One to inform them that I had emailed the requested information, I was told that I would have to open another claim to have it investigated again. This time, the Claim No. was XXXX. I sent the email with the requested information on XX/XX/2023 and again on XX/XX/2023. The same exact thing happened. I was sent an email that it was denied. When I called to inquire this time, I was told that that Claim No. XXXX had been escalated to be further investigated. However, the provisional credit of {$54.00} was deducted from my checking account on XX/XX/2023 even though I had not received an email stating that a decision had been made on the claim. When I first called on XX/XX/2023, I was told that an error had in fact been made and that the money would be put back in my checking account. After some time on the same day, I called Capital One again because the money had not been replaced. This time I was told that an error had not taken place and that the money would not be replaced. I really couldnt understand the reasons why because of the heavy accents. I spoke with a representative as well as a supervisor and I believe they both had different reasons why the money will not be returned even though they eventually received my response to their email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Fair collections and out is fraudulently reporting a collection on my credit profile after a full payment was made to XXXX XXXX which they failed to remove from my credit

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 2021-11-12
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

CAPITAL ACCOUNTS is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$340.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$340.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: NJ
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'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 


XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

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 2023-04-21
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2023 I mailed Experian a letter disputing several items on my credit report. On TODAY XX/XX/2023 I received an email from them stating they received the dispute but would not be taking any action and investigating what I disputed because it does not appear to be sent directly by me or authorized by me. This is refusal to investigate and are grounds for a lawsuit. This is a violation of FCRA. 

I have attached a copy of the email sent to me by Experian today.

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 2022-04-15
Company: Experian Information Solutions Inc.
State: WI
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 XXXXXXXX XXXX  XXXX account # XXXX ( EXPERIAN XXXX XXXX XXXX account # XXXX ( XXXX, Experian XXXX XXXX XXXX XXXX  account # XXXX ( Experian, XXXX, XXXX ) XXXX XXXX account # XXXX ( Experian, XXXX ) have 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

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 2019-06-17
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:
This is my second complaint against Trans Union with the CFPB in which the first one they did not address my concerns. In fact, three of the account I addressed that they claimed were verified have in fact been deleted by the furnisher since then, which only proves that Trans Unions does NOT investigate properly as they are required per FCRA. Trans Unuon has failed to provide a method of verification in which I questioned in the previous CFPB complaint, and has sent a certified letter requesting. In fact Tran Union managed to lock my file ( computer glitch they claim ) for an entire week in which NO customer service representatives could even access. Thats serves as a HUGE concern. This is a company that obtain MILLIONS of identities of consumers. MILLIONS, and I was told my file was locked and could not be accessed and needed maintenance? Thats completely unacceptable. Trans Union has continued to ignore my requests for method of verification in a timely manner, as well as deleted a report Bankruptcy that does not belong to me. The bankruptcy court confirmed to me that they do NOT furnish this information for ANY THIRD PARTY. That includes Trans Union, or any other third party they may use for verification.

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 2023-10-17
Company: EQUIFAX, INC.
State: AZ
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, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

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.

Accounts 1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Selene Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have a mortgage that is serviced by Selene Finance. There is an escrow account set up with the company that has over {$130000.00}. although the escrow is paid the servicing has not paid the property taxes associated with the agreement with Selene Finance. There is now a {$5100.00} late charge with the XXXX XXXX tax collector. We are now on our 10th call with the company to get this resolved. They promised to pay the tax, then give us back money, so can pay. Every call is put on hold for up to an hour. 

this process has been over a month with XXXX results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a predatory loan in 2005. Wells Fargo took over the predatory loan and tried to foreclose on my property. There were two loans issued a first and a second. With the help of the Attorney Generals office several years ago I was able to save my home and rewrite my first mortgage with Wells Fargo. Wells Fargo was to discharge the second mortgage as I was given a XXXX modification. They did not discharge that second mortgage and sold that predatory second mortgage off. As a result of this many companies have bought the second mortgage and now the last company that has obtained this second mortgage is for closing on my home. I believe Wells Fargo was to discharge this loan not to sell it off.

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 2022-04-15
Company: EQUIFAX, 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:
Improperly shared information with a third party about my medical/dental debt and services. 

FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The account can not and have not been verified. My previous disputes with the 3 agencies have been ignored to date. Please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts supporting reporting.

The account has not been verified and no HIPAA release has been provided to me for any of the medical debt and reporting of radiological services. The HIPAA privacy rule requires a " business associate '' ( collection agency or billing firm ) to reasonably limit the amount of information disclosed for such purposes to the minimum necessary as well as to abide by reasonable requests for confidential communications. HIPAA Regulations, the Privacy Rule requires an Associate to enter into a partner contract containing specific requirements with an Associate prior to the disclosure of PHI, as set forth in, but not limited to, Title 45, 164.502 ( e ) and 164.504 ( e ) of the Code of Federal Regulations ( CFR ).

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. 


REMOVE ACCOUNTS IN HIPAA VIOLATION : 1. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$87.00} XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX. ) XXXX XXXX XXXX XXXXXXXX XXXX {$100.00} XXXX. ) XXXX XXXX XXXX XXXXXXXX XXXX {$480.00} XXXX. ) XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX. ) XXXX XXXX XXXX XXXXXXXX XXXX {$500.00} XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$360.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 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 XXXX 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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2022-04-15
Company: EQUIFAX, INC.
State: LA
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:
Fraudulent inquiries not done by me, three inquiries XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Affidavit and disputes sent to XXXX will not comply with deleting inquiries

Company response to consumer: Closed with explanation