BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX Bank of America performed unauthorized hard inquiry, soft inquiry and opened a Checking and Savings account without my approval using fraudulent information provided by an identity thief. I am the victim of identity theft and am doing my best to move swiftly in order to keep my information safe. 

I received a debit card as well as welcome letter in the mail and went to a branch in XXXX PA to get them to close the unauthorized fraudulent accounts. I provided all my information along with identifications in person as requested and the Branch manager XXXX XXXX. XXXX XXXX confirmed that this is indeed a case of identity theft and fraud using my information unlawfully. This occurred on XX/XX/XXXX. 

The card was sent in a name used by the identity thief. I have reported this to the fraud department at BOA and the point of contact XXXX XXXX assigned to me by their " resolutions '' team has been less than helpful. 

I believe that my information has been compromised and that Bank of America did not take adequate steps to verify information before opening accounts ( savings and checking perhaps even credit ) using my personal information provided by a identity thief. 

On XX/XX/XXXX I sent the Bank of America Fraud department a signed Affidavit along with all requested papers in response to the " investigation '' they performed on my behalf. I have done everything in my power within the course of 5 days that has been asked of 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 2020-03-07
Company: Experian Information Solutions 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:
Experian has failed to remove a fraudulent account from my credit report. They are claiming that they verified this fraudulent account. I have asked Experian to send me any contract bearing my signature between myself and this fraudulent company ( XXXX XXXX ) and they have failed to do so. When I asked how this is verified they said they call the company and that is it! I am outraged, that this is what they call verified. I have excellent credit, and to now have my credit tarnished with this fraudulent account, it is unacceptable! I have now filed a police report against ( XXXX XXXX, and Experian ). I will be pursuing this matter it in civil court. This open collection is for XXXX dollars. Date : 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 2023-11-29
Company: U.S. BANCORP
State: VA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased four {$500.00} visa gift cards from XXXX that are US Bank branded cards on XX/XX/23. I have tried to use them multiple times and called multiple times to try to get them " unlocked '' to no avail. US Bank is non-responsive.

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 2023-11-29
Company: Westlake Services, LLC
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been stolen in 2020 when a car was purchased now its on my credit I cant get a car in my own name, the debt is on ver XXXX dollars its affecting my life. I disputed it 10 times they keep responding back as accurate and they wont delete it now theyre harassing me with all these emails the account is closed but its still on my credit as a debt. This account is Westlake financial

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 2022-11-10
Company: Experian Information Solutions Inc.
State: NY
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 found out my identity was stolen and somebody opened fraudulent accounts under name when I received a collection notice in the mail. I immediately contacted the credit bureaus and filed police reports. The XXXX fraudulent accounts are charge-off credit card account ( XXXX ) from XXXX XXXXXXXX XXXX in the amount of {$3000.00} and XXXX XXXX account in collection ( XXXX ) in the amount of {$2700.00}. Identity thief ruined my credit and destroyed my family 's future. I've asked credit bureaus to remove the fraudulent items off my credit reports, but they refused to do so. I don't know what else I can do to get the justice I deserve as one of the millions of American who fall victim to identity theft every year.

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 2023-11-29
Company: OneMain Finance Corporation
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I, XXXX XXXX XXXX, obtained a personal loan from One Main Financial services in XX/XX/XXXX in the amount of {$10000.00} to cover wedding cost and expenses. Per the contract/agreement The monthly installments amounts of {$430.00}, with a maturity date of of XX/XX/XXXX. 

My final XXXX payments were made in XX/XX/XXXX. A payment in the amount of XX/XX/XXXX a payment in the amount of {$1000.00} was paid to the account. Another payment in the amount of {$900.00} on XX/XX/XXXX was also paid leaving a balance, per XXXX XXXX XX/XX/XXXX account statement, of {$8.00}. 

Recently I received an alert to my credit profile that XXXX XXXX is reporting me as delinquent. I feel that this action has caused me credit denials, decreased my fico score, and overall credit score preventing my likelihood of purchasing a home in the next two months. 

Furthermore, XXXX XXXX, has violated the Fair Credit Reporting Act. More specifically the following : Section 611 - Procedure in Case of Disputed Accuracy : This section outlines the rights of consumers to dispute inaccurate information in their credit reports and the responsibilities of CRAs to investigate disputes. It requires CRAs to conduct a reasonable investigation, notify the furnisher of the information, and correct or delete any inaccurate or unverifiable information.

Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies : This section places specific duties on those who furnish information to CRAs. Furnishers are required to provide accurate information and to investigate disputes regarding the accuracy of information they have provided. It also mandates that furnishers update and correct information that is found to be inaccurate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: OH
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:
ive sent out several letters to the bureaus requesting an investigation into my disputes regaurding my credit report and the investigation has not been completed in the allotted amount of time. first letter was sent on XX/XX/2022 no response. i sent another letter demanding a reply on XX/XX/2022. still no response.

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 2020-03-07
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: Account information incorrect

Complaint:
XXXX  is reporting XXXX as a collection and as an account that was bought by a third party. Not only is XXXX reporting the account as delinquent but also as an account that has been sold to a third party for collection. 
The information regarding the account in the report is not only incorrect but also being reported multiple times in different ways as a negative account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have a Business account with B of A Checking on one of my vendors XXXX XXXX takes there payment every week on Monday at midnight, My funds from Merchant Services for my business transfers on Tuesday as well to cover my bills every week. 

I am being hit with {$35.00} XXXX Fees during this time since XX/XX/XXXX till currently I called in XX/XX/XXXX to the Vendor XXXX XXXX explained how this is hurting me and to please change my due date to Wednesday, that I am a small Business and can not afford the NSF fees, they said there is nothing they can do. 
I called my Bank of America, I went in person and escalated it to the Branch Manager to help me please it's now in the {$1000.00} 's for the XXXX and that it's all happening on the same day to please help me, All my attempts were denied. I gave the Bank about {$120000.00} in business last year, and feel that I am a small growing business and they should want to help me with this matter they offered me no solutions and refused to help me. 
I have had my Business account with Bank of America since XXXX XXXX XXXX XXXX XXXX and need help.

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 2018-10-17
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I have paid three companies XXXX XXXX XXXX, XXXX XXXX. I have mailed proof to all three credit agencies that they were paid and its been 40 days with no response or action removing them from my credit report. I also found a derogatory false claim by XXXX. I do not owe them anything, I do not know who they are or what they are claiming. I tried reaching them by phone they would not answer. They brought my score down XXXX points for something I don't owe. I have worked really hard to pay my debts and now I can not close on my home loan due to this derogatory false claim. I need your help to remove it. I also want the three credit agencies to remove what has been asked of them over 40 days ago. I also have my son XXXX XXXX listed on my credit report he has never applied for credit. I fear someone is using his name to apply. he is in XXXX correctional since he was XXXX years old. He has never applied for anything. Please help me get these false and derogatory reports removed such as XXXX and the previous debts listed above that the credit reporting agencies have not bothered to do.

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 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I contacted Trans Union and XXXX via certified mail on XX/XX/2022 to initiate further investigation and removal into incorrect information/mis-reportings on my credit report. 


I had previously worked through the reporting institutions as well as a credit repair agency for help with this matter, to no avail ( yet ). 

They are reporting false and inconsistent informational and have given no basis of proof for why or how they are determining this. 

They have neglected to respond with any of my requested information, and are not properly verifying this information. 

Additional Notes : We are disputing a claim from XXXX XXXX put a charge-off on our account without notifying us ( a CfpB complaint was filed ) I will attach : my letter to Transunion my letter to XXXX a screen shot of the credit issue on my report so you can see the details and inconsistencies with dates, amounts and 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 2022-03-15
Company: Experian Information Solutions Inc.
State: OK
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:
I filed for bankruptcy in XX/XX/XXXX as a result XXXX XXXX charged off my credit card account in XX/XX/XXXX which is understandable. However, XXXX XXXX reported the charge off again in XX/XX/XXXX and most recently on XX/XX/XXXX. My attempts top to request that XXXX XXXX remove the additional charge of dates has been unsuccessful. XXXX XXXX refuses to acknowledge that erred in reporting multiple charge off dates for the same account. 
Note : Each additional time that XXXX XXXX has reported to the credit bureaus that my account was charged off has caused my credit score to plummet. Also, prior to filing bankruptcy, my credit account was never in arrears.

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 2020-03-07
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 information incorrect

Complaint:
Experian is reporting XXXX as a collection and as an account that was bought by a third party. Not only is Experian reporting the account as delinquent but also as an account that has been sold to a third party for collection. 
The information regarding the account in the report is not only incorrect but also being reported multiple times in different ways as a negative account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX and XXXX are reporting incorrect information about this XXXX account after supposed investigating this account because of a dispute I submitted back in XXXX. It is now the end of XXXX, that vehicle has been sold by the finance company and XXXX just recently tried to reopen on my credit report as a new vehicle loan. Both of these Credit Bureaus are doing whatever they want and NOT operating in the best interest of the consumer. 

Remove this XXXX XXXX account from my credit report immediately as it is completely incorrect based on 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. It is a financial institution that has been improperly reported to the credit bureau without my consent. There was no disclosure offered to me where I gave my permission for my information to be shared with anyone. No third party should have access to my personal information yet they do. This is a violation.

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 2023-06-07
Company: Credit Control, LLC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Contacted company XXXX XXXX XXXX SOME TIME IN XXXX OF XXXXXXXX XXXX to tell them that this was NOT MY DEBT OF {$1100.00} and THAT I DID NOT OBTAIN OR OPEN THIS account as I recently found out during that time period that I was a victim of identity theft! I SENT AND OR MAILED THEM COPIES OF THE IDENTITY THEFT REPORT THAT LISTED THIS ACCOUNT ON IT AS WELL!

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 2020-03-07
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: Account information incorrect

Complaint:
On XX/XX/2020 XXXX  reported that my account with XXXX XXXX was 30 delinquent. However this information is not accurate as the charges that XXXX XXXX has attributed to me are not related to the actual payment history. The charges are being disputed.

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 2022-03-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I don't know why these accounts are still reporting!! They're not even mine and I have sent every dispute under the earth trying to remove these things from my credit 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
Consumer complaint received 2022-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have two XXXX XXXX  accounts XXXX and XXXX with Bank of America, no balance, unused in a long time. I moved, and I asked Bank of America numerous times to update my address, but the bank is so disorganized and incompetent that this was not done and they refused to make the change of address. Therefore, I want the accounts closed, Bank of America also then refused to close the accounts. I wrote a letter asking to close the accounts, the accounts were not closed. I contacted the service center via telephone, they refused to close the accounts. A total XXXX disaster of an institution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Mr. Cooper Group 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 is missing that should be on the report

Complaint:
My mortgage Company Nationstar/Mr. Cooper stopped reporting my mortgage to the 3 credit reporting agencies about 5 years ago. I was unaware of this until XXXX of XXXX. Upon seeing this I immediately contacted them to have this issue corrected, which to date has not been done, I XXXX of this year I spent several hours on the phone with Mr. Cooper ( that's what they are calling them selves now ) telling me that the credit reporting agencies made the request that they stop reporting, and told me that I need to send them Mr. Cooper a letter requesting that my mortgage be reported. I did this on XX/XX/XXXX. Finding this scenario a little odd I called XXXX, XXXX and XXXX and inquired why they would request that Mr. Cooper stop reporting my mortgage, and surprise, surprise it was Mr. Cooper that made the request. I received a letter from Mr. Cooper stating that a request was sent to the 3 reporting agencies asking them to add it back to the tradeline. Well as of today XXXX XXXX this has not been done. I know this because I called all 3 and none of them have any request regarding the adding of my mortgage, they all have told me that I had a mortgage reported at on time but Nationstar requested it be dropped. I then spent another hour and a half om the phone with Mr. Cooper only to be told that 1 I needed to ask the reporting agencies to request it be added ( which I know is incorrect because I asked them to contact Mr. Cooper and was told in no uncertain terms that's not the way it works ), then was told no I was wrong the request was sent, despite the fact I now know it wasn't. Then was told it would have to go back to research to find out what the problem is, and that could take 30 to 60 days, and this was told to me by the escalation department. I do not understand why when I know that according to FRCA that they are required to report this why I am having to fight to get this done, Please help.

Company response to consumer: Closed with explanation