BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened an account with Bank of America and in that face to face process explained i can not use my street address and not comfortable to give it out. Where i live the people on the street take mail from mail boxes, break into cars amongst many forms of vandalism and theft. I explained it is imperative that my account be noted to 'NOT MAIL TO THE STREET. ' Because I am FORCED to give a street address I am at risk. 

This complaint is to exemplify that all the double text codes and call codes, passwords and verifications FORCED upon people are null and void ... nothing short of pure harassment that is only protect for the banks and little to zero protection for the consumer. I was trying to view last years downloadable spreadsheet format for 2019 tax purposes and the online system is not easy to use. ( ALL BANK AND CREDIT CARD ONLINE SYSTEMS SHOULD FOLLOW EXACT SAME FORMAT SO PEOPLE CAN NAVIGATE EASILY ) _. So i called in and asked the bank be sure to cancel any mistakingly ordered paper statements in my trying to figure out how to get a download version. 

The statement being mailed to the POB would have been ok and something I could over look ... that the bank didn't head my request to NOT mail paper. But no, my statements were mailed to the street address that i have more than once, verbally and in writing, have requested DO NOT MAIL TO THEW STREET PEOPLE ON THE STREET USE IT FOR TOILET PAPER OR ID THEFT. But Banks do not care ... they say that the FEDERAL GOVERNMENT " requires '' they only use a street address. IS THAT SO?

So the government is on the band wagon to terrorise consumers and put our personal credit at risk? Not only are consumers FORCED to divulge our complete social, mail address, phone numbers, birthdate to people in other countries but now our government is making banks use street addresses that are given solely as reference when someone live in a high crime area?

XXXX XXXX XXXX!!!!!! you guys i am calling the bull  XXXX card on this one. Are you on the consumer 's side at all? Who the heck is supposed to protect us? 

We have no one and you guys are allowing the banks, insurances and even foreigners in foreign countries more rights over our own private information than ourselves. 

LAYER UPON LAYER of security in texts, codes, emails and passwords for everything we do and you will FORCE us to jeopardize our credit files over something so prehistorically ignorant as a street address? 

XXXX XXXX XXXX!!!!!!!!!!! 

This must be rectified ASAP

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 2022-08-11
Company: Experian Information Solutions Inc.
State: NC
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 inquiries on my credit report that were not authorized.

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 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Made several attempts to dispute. 
This was XXXX BK XXXX was filed in error!!!! Was not privileged to file and there no course of action was taken and was denied. 
Transunion has failed to verify whom they spoke with at the US Bankruptcy, and how did they investigate! I asked them to remove, as it was filed in error and the time permitted to file was premature and therefore not enforceable. I asked credit agency to remove in XX/XX/XXXX and XX/XX/XXXX as well as XX/XX/XXXX. I stayed Please remove unverified public record

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 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accurate information and reporting, on my credit report, causing adverse actions and credit denials for 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 non-monetary relief
Consumer complaint received 2023-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My Bank of America account was hacked for over {$4000.00} and they didnt honor the discrepancy or put the money back in the account instead they made me- {$2000.00}.

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 2020-01-16
Company: EQUIFAX, INC.
State: MD
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 want to change my residence address and employment information on my credit report. I tried to get my credit report online so that I could change my residence address and employment information, it needed to be updated becauseit has changed and what Equifax has on my credit report is incorrect. I went through, XXXX to get my annual report. 

Equifax would not give it to me online, XXXX had me fill out a form and send it to them along with my driver 's license and social securitycard, which I did. 

On XX/XX/XXXX, I receiveda letter from Equifax stating they wanted me to send them the same XXXX asked for, which was my identifying documents, which I did. I sent them a letter to change my residence address and employment information, along with the info they requested. They still did not honor my request. 

On XX/XX/XXXX, I receiveda letter from Equifax reiteratingthe same letter they sent to me on XX/XX/XXXX, excludingmy change of address and employmentinformationand sending me verification that the change has been completed. I want my residence address and employment information changed to the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Conduent Incorporated
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Way2go has claimed to transfer new unemployment deposit, although the bank has not yet received the money but is REFUSING to effect or permit the transfer of withheld monies issued to them prior to my original complaint. I tried to make a single transfer rather than recurring to move the {$820.00} but Way2 go refuses to permit it as a recurring order exists. They have isolated to retain the original deposit accumulated solely because they issued the cards weeks later than directed according to unemployment notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2019 I paid off my entire balance with Capitol One credit cards. Two weeks later Capitol One credit Charged me XXXX in interest on a balance I already paid off. I called them on XX/XX/XXXX to complain about the charge. They would not remove it. In fact, they were hoping I would miss the payment so they could assess me a XXXX fee. In essence, they could not only charge me interest on the XXXX but also charge me the fee and add interest to that. When I pay a balance in full I assume I am done paying. The first customer service representative I spoke with hung up on me after I requested a manager. I called back and got a Manager named XXXX. He would not give me his last name. He told me his ID number is XXXX XXXX. He would not remove the interest charge. This is a scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On or about XX/XX/2021, after me being released from the XXXX XXXX XXXX XXXX, XXXX  ; XX/XX/XXXX, XXXX XX/XX/2021, I checked my credit report thru XXXX report confirmation number : XXXX, Transunion.com file number : XXXX, and found many fraudulent notations on that report : XXXX XXXX XXXX account XXXX, in amount of {$440.00}, XXXX XXXX XXXX XXXX account XXXX in the amount of {$460.00}, XXXX XXXX XXXX account XXXX in the amount of {$300.00}, XXXX XXXX account XXXX, in the amount of {$490.00}, XXXX XXXX XXXX XXXX. account XXXX, in the amount of {$550.00}, and found many fraudulent notations on the reports and immediately contacted the reporting companies fraud department and I submitted a complaint to no avail has the issues been resolved nor has the erroneous notations been removed from my reports, 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 non-monetary relief
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account 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 act can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited a 14000 check. Receipt said it would be available next day. After the fact Wells Fargo put a hold on it. Said funds werent available. It was a check from XXXX insurance on a XXXX XXXX XXXXXXXX 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 2023-11-09
Company: Experian Information Solutions Inc.
State: FL
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:
Every information on Experian is mixed up with my dad 's info, every info is incorrect. ( Credit score, opened credit cards, and total debt is mixed too, showing my debt and my dad 's debt together ). 
We have very similar names.

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 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 am writing to formally dispute the recent addition of an authorized user to my credit account with TransUnion ( Account # : XXXX ) and XXXX ( Account # : XXXX ) without my knowledge or consent. This action has raised profound concerns regarding the precision and confidentiality of my personal credit information, as safeguarded under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Pursuant to the FCRA, consumers like myself are entitled to ensure that the information contained within our credit reports maintains accuracy, fairness, and security. The unauthorized inclusion of an authorized user on my credit accounts not only infringes upon my privacy rights but also casts doubt upon the accuracy and legitimacy of the data being reported by your agency.

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 2022-12-31
Company: CITIBANK, N.A.
State: GA
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:
Affidavit of Truth STATE OF GEORGIA XXXX OF XXXX XXXX XXXX XXXX, being duly sworn deposes and states as follows under penalty of perjury : XXXX. My name is XXXX XXXX XXXX, I am presently XXXX XXXX XXXX, and my current address of residence is XXXX XXXX XXXX XXXX, XXXX, GEORGIA XXXX. 

XXXX. Notice to all, I, am that I am, the consumer, in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name/middle XXXX, XXXX XXXX, and XXXX have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX XXXX, and autograph as the agent XXXX attorney, in fact, so be it ; and ; Whereas, I of age, of majority, give this herein notice to all, I make a solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : 3. Fact, I am the original creditor and I extended your organization credit in the consumer credit transaction, so be it, and ; 4. Fact, I was required to provide a Social Security Card number on your credit card application in this consumer credit transaction, so be it, and ; 5. Fact, I never knowingly authorized nor knowingly gave any person/organization permission actual, implied, or apparent authority to use my consumer credit card for this consumer credit transaction, so be it, and ; 6. Fact, I never received documentary proof of no such evidence of indebtedness in this consumer credit transaction, so be it, and ; 7. Fact, I have not benefited from this consumer credit transaction but only been harmed mentally and financially by your unfair credit card practices, so be it, and ; 8. Fact, I was never aware of the transaction, which left me in the dark about the cost of the transaction. This caused me to make an uninformed decision which resulted in numerous billing errors, and unfair credit card practices, so be it, and ; 9. Fact, I was never provided adequate notice that clearly and conspicuously mentioned the pertinent facts of this consumer credit transaction therefore I couldnt reasonably understand its meaning. This lack of understanding placed me at a disadvantage from the beginning of this consumer credit transaction, so be it, and ; 10. Fact, I believe that a deceptive form was designed, prepared, and provided to me in order to collect an alleged debt that I, the consumer, allegedly owed to the alleged creditor, so be it, and ; 11. Fact, the affiant is aware and has proof in the attachment labeled as Exhibit A that COSTCO ANYWHERE is in violation of 1006.30 ( e )

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 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have never opened an account with XXXX XXXX yet there is a charge off account on my credit report stating that i owe {$50.00} when I never opened an account with this company. I shouldn't have false information on my credit report and i dont believe i should be penalized for inaccurate information. The bank information is XXXX XXXX XXXX XXXX  XXXX, MO 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 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
Disputed the fraudulent inaccurate accounts multiple times with supporting documents and they still refuse to investigate or give writing information on how they came up with their verified information with supporting documents. So I advised them with the FCRA 611-15USC 1681i LAW. Demanding proof or deletion immediately.

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 2023-04-14
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:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Order of Events XX/XX/2023 : 1st Notice I endorsed the bill and sent along with a Letter of Instructions - Re : Claim of Credit, which was sent to the billing department located at : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX. 

XXXX XXXX Tracking # XXXX ( delivered on XX/XX/2023 ) A copy of the endorsed bill was also sent to XXXX XXXX XXXX XXXX located at : XXXXXXXX XXXX XXXX  XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Claim of Credit, a notarized Power of Attorney, and a copy of the Federal Reserve Act Sec. 16, Part 1 & 2. 

USPS Certified Tracking # XXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : XXXX Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX XXXX located at : XXXXXXXX XXXX XXXX XXXX  XXXX, VA XXXX, along with a Letter of Instructions - Re : Opportunity to Cure, a copy of the Federal Reserve Act Sec. 16 and Sec. 29, and included a copy of the delivery confirmation from USPS of the 1st Notice. 

USPS Certified Tracking # XXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : 3rd Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX XXXX located at : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX, along with a Letter of Instructions - Re : Default of Notice, a copy of the Federal Reserve Act Sec. 29, and included a copy of the delivery confirmation from USPS of the 2nd Notice. 

USPS Registered Mail Tracking # XXXX ( delivered on XX/XX/2023 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: MD
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:
Equifax is reporting a bankruptcy on my credit file using XXXX XXXX as a third party for this information. XXXX XXXX is fraudently reporting information to Equifax. XXXX XXXX has clearly stated that their company could not identify me. How is it possible for Equifax to place false information on my credit report from another company that can not identify me? I'm providing additional information so Equifax will remove this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
I have a few fraudulent accounts appearing on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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