BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My EDD debit card that was issued by the Bank Of America was closed without notice with a credit balance of {$9000.00} which was authorized through bi weekly payments to the card for my continuing unemployment claim. This occurred on XX/XX/2020. I have completed an upload with the EDD with Identity documents early in XXXX and have received communication from the EDD that my account is open and without issues, and that the Bank of America needs to reopen my card. I keep being redirected to contact Bank Of America to resolve this issue with my card being closed. The EDD is now issuing my payments by paper check because of this problem with Bank of America. Every day I call the Bank of America customer service and am given a different answer about not being able to access my money on my debit card. I have been told by Bank of America agents on several contacts that this has happened to thousands of people and that I just have to wait until they get to my 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 monetary relief
Consumer complaint received 2022-10-31
Company: EQUIFAX, INC.
State: SC
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:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : XXXX XXXX # XXXX Account name : XXXXXXXX XXXX # XXXX Account name : XXXXXXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: FL
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-22
Company: EQUIFAX, INC.
State: NJ
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 XXXX XXXX XXXX. 

Account name : # XXXX XXXX XXXX Account name : # XXXX XXXX, Account name : # XXXX XXXX, Account name : # 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 seven years. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Date of transaction XX/XX/22 Amount {$1000.00} I rented a home and the person posed as a owner of the house. I paid them via XXXX through bank of america. A police report was filed, and the person is being prosecuted. However, even though I filed a fraud report with bank of america the detective also supoened the account to retrieve information. They refuse to refund my money as fraud. Bank of america has been horrific with their fraud department as well as responding timely.

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 2019-08-19
Company: FREEDOM FINANCIAL NETWORK
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Freedom Debt Relief and XXXX XXXX XXXX took $XXXX of my money after they said they settled a debt. I had several credit cards to have settled, they did settle two of them as promised, but then it went south I had saved up $XXXX in my account, they could have taken care of half of my accounts with this but they went after the largest account so they could take my money and get paid instead of paying off my debts. They negotiated $XXXX month payments for like 5 years. Then they emptied out my account for their commission so when the payment was due on the settlement they negotiated. I had a XXXX balance and the creditor withdrew from the agreement.I called several representatives in the company to find out why my account was XXXX yet not one of my existing debts had been paid nobody could answer me. It took me several days and phone calls to have someone finally explain what they did. This was deceptive business practice on their part,they only went after this account as soon as I reached their commission amount in savings andleft nothing in the account to pay the debt. They won’t give me a refund and the lady I spoke to that finally answersWhere my money went admitted they could have handled it better but I still wasn’t getting a refund so I closed my account.After I closed my account I was harassedFor 3 more months asking me where my payment was and that I needed to submit it.My account was closed they still wanted me to send them money. They blamed the fact that I deferred a few monthly payments and that nullified my contract and ability to get a refund. When I signed up I was verbally told by XXXX XXXX that they would work with me, the money in the account was mine and I could use it if needed and I could also defer payment if I had a hardship without penalty but none of that was true.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX XXXX XXXX  XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information without my knowledge or permission. I have contacted XXXX  XXXX but they are not wanting to change anything. 

XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information. I do not recognize nor have I applied for anything with this lender. They claim to have done an investigation but I have yet to hear anything back. 

XXXX XXXX XXXX  XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX my information was fraudulently used without my knowledge or permission. I have tried numerous times to contact XXXX XXXX  Services but I have not been able reach anyone and the hold times are ridiculous. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX my information was fraudulently used without my knowledge or permission. I spoke with a rep named XXXX who told me that they would not be willing to change their reporting. 

XXXX XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX my information was fraudulently used without my knowledge or permission. I spoke with 2 different reps about 3 weeks apart from each other ; yet each time I've been told that someone would be getting back with me in which case they have yet to do so. 

XXXX XXXX XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX my information was fraudulently used without my knowledge or permission. The hold times are ridiculous. 

XXXX XXXX XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information. I do not recognize nor have I applied for anything with this lender. They claim to have done an investigation but I have yet to hear anything back. 

XXXX XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information. I have never even applied for this account. XXXX XXXX will not change their reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information. I do not recognize nor have I applied for anything with this lender. They claim to have done an investigation but I have yet to hear anything back. 

XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information. I have never applied for anything with this lender. I keep getting the run around when trying to effectively communicate. They aren't willing to work with 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 2019-03-25
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 with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My Bank of America credit card/credit information was stolen and three ( 3 ) fraudulent purchases were made ( XX/XX/2018 ) with my card. I reported this to the bank within a few days and they have only responded one time stating the card was present at teh time of the transaction and failed to credit my account for the fraud. I submitted a police report as well with the XXXX, TX police department regarding this fraud/theft. I resubmitted a second request ( XX/XX/XXXX ) for the bank to look at the fraud case and they have failed to respond in writing or by phone over 30 days. The bank is not providing a timely response, not providing sufficient phone or email support to remedy my case and not protecting the card holder credit information with authorization security features.

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 2022-10-31
Company: EQUIFAX, INC.
State: MD
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:
I have notified the Consumer Reporting Agency ( CRA ) that I did not approve the following inquiries in on credit report and they refuse to delete them. I also asked for physical evidence where I signed giving these companies permission to view my credit file. Since I did not give any written consent, these items should have been deleted or I should have received the requested evidence with my signature of approval. 

Company Name Inquiry Date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/22 According to the Fair Credit Reporting ACT, legally these unverified & unauthorized items MUST be DELETED! As a consumer, by law my credit report must be made 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: SUN WEST MORTGAGE COMPANY, INC.
State: AZ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I filed a UCC financial statement and recorded it with my county and also submitted a 1009A and 1099C, which was also sent to the IRS. They are refusing to discharge this debt. I even called for a Performance Bond number and refused to give me one so I can settle this matter. They are threatening to auction off my house, even after I spoke to them. I received a certified letter on XX/XX/2023 from their attorneys. Names are XXXX, XXXX, XXXX XXXX XXXX XXXX at law. To settle the so called debt of {$230000.00}, to get this discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
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: Problem with personal statement of dispute

Complaint:
I paid my XXXX XXXX XXXX fully for the credit report showing delinquent on this account and on my credit report. I want this fix immediately because the report is a false statement before i get attorney involved. 
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 2018-08-20
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I've contacted Credit Acceptance, asking them to verify the debt. Along with all the original documents along with my signature. I was given a balance over the phone of {$4000.00} to pay off my debt. Now the balance is now over XXXX. Despite me contacting them and asking them to verify my debt. They continue to report late payments to my credit report, and have failed to send me any settlement offers or verify the debt owed. I no longer have the vehicle so I'm not understanding why they are asking for a large amount when the vehicle has been sold.

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 2023-04-26
Company: Upstart Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, this creditor UPSTART NETWORK INC. has violated my rights. On their 15 u.s.c. 1681 section 602, states I have the right to privacy. 15 u.s.c. 1681 section 604a, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. On their 15 u.s.c. 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
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: Their investigation did not fix an error on your report

Complaint:
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XX/XX/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 2023-09-14
Company: EQUIFAX, INC.
State: VA
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:
I submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-10-22
Company: TRUIST FINANCIAL CORPORATION
State: MD
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:
XX/XX/XXXX : I signed up for English classes for my son and made monthly payments of {$50.00}. 

I attended online XXXX XXXX. There were issues were connecting to the system and getting help. I called and emailed tech support with no response. 

XX/XX/XXXX : I attended orientation day online. There were issues connecting to the system. The teacher tried to help me, but she was unsuccessful. I contacted support, and I was on hold for an hour. I emailed tech support, no response. 

XX/XX/XXXX : I canceled the class before it began via email. I could see this was not going to be a good fit. The company didn't offer help in accessing the course. 

XX/XX/XXXX : The company wasn't responsive, so I called Suntrust to file a dispute and stop payment on my account for XXXX and the amount they are debiting. 

XX/XX/XXXX : XXXX debited my account again, even though I dropped the class and SunTrust stopped paying my Acct. 

XX/XX/XXXX : I filed a complaint with the CFPB XX/XX/XXXX : Sent letter acknowledging the dispute asking for more information. 

XX/XX/XXXX : Faxed more information to Suntrust. 

XXXX : I called SunTrust for an update. The Representative said they closed the case because they didn't receive the information. 

XX/XX/XXXX : I step into a branch and fax the information. I received a transmission log as a receipt showing I sent the documents. 

XX/XX/XXXX : Suntrust sends a letter saying they didn't receive the information. 

XX/XX/XXXX : Stepping into a Branch to send documents again because XXXX XXXX sent a letter saying she didnt receive the documents. Again

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 2023-09-14
Company: EQUIFAX, INC.
State: LA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated ( XX/XX/2023 ) but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: Self Financial Inc.
State: IL
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:
Im accordance with the fair credit reporting act these accounts have violated my rights under 15 USC 1681 section 602 states I have a right to privacy. Under 15 USC 1681 604 A section 2 a consumer reporting agency can not furnish an account without written instructions. Under 15 USC 1666 B a creditor can not treat a payment on a credit card account under an open consumer credit plan as a late payment for any purpose.

Company response to consumer: Closed with explanation