BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-02
Company: Experian Information Solutions 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:
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 : Account NAME/ Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate XXXX 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
Consumer complaint received 2023-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2023 I received 5 emails from Bank of America asking me to verify my email address ; Welcome to Online Banking ; Verify Email Address ; Welcome to Mobile Banking ; and Unable to Open Account. I have not attempted to open any accounts with Bank of America. Following these emails, on XX/XX/2023 I received a physical letter at my residence mail stating the account application was declined ; this letter showed a company name as XXXX XXXX XXXX XXXX XXXX XXXXXXXX, mention of XXXX as location. Nothing of which I recognize. All attempts to contact Bank of America Fraud result in no answer ; request for account numbers to get a representative ( if you don't have an account, you can not progress on the phone system ) or full SSN - and continuous disconnections.

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 2023-07-03
Company: Experian Information Solutions Inc.
State: AR
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 XXXX XXXX XXXX who is submitting this CFPB complaint myself, I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information. Per FCRA, reporting must be 100 % accurate or the information must be deleted. I am a victim of Identity Theft and I want you to help me delete the following items as soon as possible : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$67.00} ; XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-03
Company: Experian Information Solutions 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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX Balance : {$4100.00} CHILD SUPPORT ENFORCEM XXXX Balance : {$6900.00}

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 2023-07-03
Company: Experian Information Solutions 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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. 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 XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$9900.00} ; 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 non-monetary relief
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 Subject : Request for Removal of Fraudulent Accounts Dear XXXX XXXX, Experian, XXXX I am writing to inform you that I, XXXX XXXX, have been a victim of CPN ( Credit Profile Number ) theft. Multiple accounts have been opened, closed, and maintained in good standing without my authorization. I have no knowledge of the individuals responsible for these actions. My address was used but a forwarding address was submitted in connection with this scam. 

Below is a list of the fraudulent accounts that appear on my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already contacted the local police, and I have been advised to file a complaint with the XXXX ( Consumer Financial Protection Bureau ). My CFPD complaint number is [ Insert XXXX Complaint Number ]. 

I have attempted to resolve this matter directly with your bureau, but I was informed that providing the XXXX complaint numbers is necessary. Therefore, I kindly request that you investigate these fraudulent accounts and remove them from my credit profile at the earliest convenience. 

Please find attached copies of relevant documentation, including the police report and any other supporting evidence. Your prompt attention to this matter is greatly appreciated. 

Thank you for your cooperation and assistance in resolving this identity theft issue. 

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Subject : Violation of 15 USC 6802, 15 USC 1681b, 18 USC 1028a, 15 USC 6801 15 USC 1611, 18 USC 241 Dear Sir/Madam, I am writing to bring to your attention what appears to be a serious violation of various federal laws pertaining to consumer privacy and identity theft. As a concerned individual, I repeatedly discover that you have included unauthorized transactions ( late payments & charge off ) and experiences ( hard inquiries ) in my consumer report, despite never having provided written permission for such reporting. This activity not only breaches my privacy rights but also raises significant concerns about the security of my personal information.

According to the federal laws governing consumer privacy and identity theft, namely 15 USC 6802, 15 USC 1681b, 18 USC 1028a, and 15 USC 6801, you are required to ensure that consumer reports only contain information for which proper authorization has been obtained. This includes obtaining explicit written permission from the consumer before reporting any transactions and experiences related to their credit history and financial interactions. 

I must emphasize that I have not granted any written authorization to include these transactions and experiences in my consumer report. As such, their inclusion represents a clear violation of the aforementioned federal laws. I am particularly concerned that this unauthorized reporting is a form of identity theft, as my personal and financial information should remain private and secure. 

I kindly request that you promptly reinvestigate this matter and provide a detailed explanation for the inclusion of unauthorized information in my consumer report. Additionally, I expect you to take immediate action to remove all such unauthorized adverse information and rectify any inaccuracies in my credit history. 

Please be advised that I am prepared to take legal action if this matter is not adequately addressed within a reasonable timeframe. I believe it is essential to protect the privacy and security of all consumers and ensure that your organization complies fully with the laws in place to safeguard our personal information. 

I look forward to your prompt response and a resolution to this matter. Please acknowledge receipt of this letter and provide me with a timeline for your investigation and actions. 

Thank you for your attention to this critical issue. 

Sincerely, XXXX 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 2023-11-06
Company: Experian Information Solutions 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 XXXX Account # 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.

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 2023-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On Tuesday XXXX XXXX, I called regarding a return payment. I was frustrated with the woman because it was a script conversation and I wanted her to touch base with my bank. From there she put me in touch with another person that had no idea what the previous conversation was about. Just as I was, she seemed extremely frustrated. I explained that processing time with Capital One never seems to be correct so I paid my credit card roughly XXXX days in advance of when I would be paid because it will take XXXX for it to come out of my bank account and then another XXXX to post where Capital One gives my credit back. I explained that I didnt know it would be a return payment based on how long it has typically taken in the past. I could never get a direct answer on why its not done at the same amount of time each time. While on the phone, I also paid the entire bill again and it has cleared my bank. I go look today and without notice, they have shut down my credit card. No courtesy call or anything. After XXXX minutes of getting to the fraud line, the lady stated they have the right to close without reason at any time. I told her legally You should give a reason that isnt automated. She stated they closed my card based on XXXX return payments thats Ive had in a year. There was no explanation, no call, no detail and need I say, when there has been XXXX, its been immediately paid. I then asked her, the next person this happens to, do you all shut their card off after XXXX? She would not answer that. I told her it shows the company is not treating their customers fairly and wrongfully using the we can shut your card off at anytime umbrella comment when they please. I believe the worker I spoke with was upset with me and asked to have my card shut down but did it the following day to show it wasnt connected. I hope to prove this from her notes and the companies notes when they met in regards to closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRUIST FINANCIAL CORPORATION
State: GA
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: Their investigation did not fix an error on your report

Complaint:
My husband and I called and spoke with several loan account specialists on XX/XX/21 before speaking with the collections department. We were not aware that our last payment for our auto loan was due before XXXX. This was because we had previously requested a deferment and those two payments were put on the back end. However, after speaking with a " XXXX '' in collections who was very rude, we scheduled a payment for XX/XX/XXXX and were told that this would not affect our credit. We provided the collections representative with all of the payment information to schedule the last payment for XX/XX/XXXX. However, today I received an alert that the account has been reported delinquent. We have been loyal customers and have always paid our loan. We are very disappointed and frustrated that Truist would treat us this way after having paid off our entire loan with them after XX/XX/XXXX. At this point, we will NEVER do business with Truist in the near future because if this is how they treat their customers, I would rather take my business elsewhere and to think that we were thinking about opening a checking/savings account with Truist has also left us thinking otherwise. I hope that this issue can be resolved and that Truist will remove this derogatory inquiry from our credit reports. Also, nowhere in the deferment agreement does it state that the final payment will be a balloon payment. Therefore, we were unaware that we would have to make a final payment of more than {$800.00} in XXXX. Therefore, we only paid the amount that weve always paid on the loan, in which the loan payment was never late. It's not right that Truist reported the last payment as past due to the credit report agencies. We did make the regular payment, we just weren't aware that we had to make a double payment for the last remaining payment on the loan.

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 2023-10-10
Company: CITIBANK, N.A.
State: MO
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Charged upfront or unexpected fees

Complaint:
I had a Promotional Purchase from Home Depot for Refurbishing my bedrooms bathroom for {$10.00}, XXXX with no interest for 18 months. I had made total payments of {$5100.00} at the end of the promotional, which left a balance of {$480000.00} in XXXX XXXX  My problem is Home Depot is charging me the interest on the original purchase ( {$10000.00} ) instead on the current balance ( {$4800.00} ) as of XX/XX/. I have reached out to them on about 4 times trying to make a settlement, but each time, they have refused to settle.

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 2023-03-14
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: GUARANTEED RATE INC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I lost my home in the XXXX XXXXXXXX XXXX My insurance company issued a {>= $1,000,000} to Guaranteed Rate for the rebuild of my home. I am working with an architect, engineer and the county to get permits issued to rebuild my home. Once permits are issued I can hire a general contractor. I have incurred over {$200000.00} in expenses and the loan servicer, XXXX, refuses to pay any of the incurred invoices. Their reason is that I need to have a signed contractor and an inspection. The process to rebuild a custom home does not start with a general contractor and there is nothing to inspect. I have a contract with an architect, engineers and permits to the county that I owe money to. I have escalated within XXXX but there phone people do not understand the process to build a home and tell me there is nothing they can do to help. Surely it must be illegal for them to hold my money and refuse to repay me for money spent on the process to rebuild. This is why the insurance company gave them the money. The insurance company does not understand why XXXX will not release funds and has called trying to get them to but XXXX refuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 U.S. Bank NEVER sent over my XX/XX/2023 {$100.00} electronic payment to # XXXX card at XXXX XXXX. U.S. Bank by fraudulent schemes STOLE my money and fraudulent account take over by credit card fraud from my U.S.Bank checking account. 
Both my XXXX XXXX credit cards # XXXX & # XXXX are closed XX/XX/2023 and no more transactions because of XXXX XXXX fraudulent account take over. XXXX XXXX told me they never received my XX/XX/2023 {$100.00} electronic payment from U.S. Bank.

I have been filing fraud complaints to U.S. Bank and the theft continues.

My FTC Identity Theft Report attached.

U.S. Bank is to XXXX  XXXX overnight my {$100.00} to my address on file and on this complaint.

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 2023-07-02
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX is a credit card company that allows you to have a credit limit based on your bank account balances. I signed up for the card and everything was going good making purchases and payments, fast forward about a year and a half later their app no longer works to make payments. Everytime you would go to make a payment it would crash the app or go black and sign you out. I have sent hundreds of emails to XXXX  with all the same response saying their team would look into it and they would send me a payment link to pay through. Only problem with that is their customer service team takes 2-3 days to respond and only respond thru email, before Im able to make a payment and it has negatively affected my credit report due to their app not working. I have also had someone use the card fraudulently and have fraudulent charges. I have sent them all the information with numerous proof, screenshots, screen recordings, even offered to pay the balance in full to just get it removed off my report completely. They deny all my requests.

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