BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
About a week ago, I visited my online Bank of America ( further referenced as " BofA '' ) XXXX XXXX  site to change my Pay From bank accounts registered on that site that are used for making payments to my BofA credit cards ( I have four credit cards with BofA : ending in XXXX, in XXXX, in XXXX, and in XXXX. ) During the visit, I deleted several of my older bank accounts already registered on that site in the past ( some of which were still shown as " Unverified '' ) that I no longer use, and added a new one, which went into " Unverified '' status. I tried to add yet another account, but ran into an error message " Verify one of your accounts before adding another. You currently have the maximum number of unverified accounts allowed by Bank of America. '' Thinking that maximum is one, and realizign the account I had added is not the one I actually want to use, I deleted the " Unverified '' account I just added, and tried adding another one again, only to receive the same error message, " Verify one of your accounts before adding another. You currently have the maximum number of unverified accounts allowed by Bank of America. '' I've contacted Bank of America for help with this issue several times by phone, yet BofA was not able to resolve the issue for me. As it stands today, XX/XX/2023, I have a BofA XXXX XXXX profile with only one verified bank account and no unverified bank accounts listed, and can not register any other or new bank accounts due to receiving an error message " Verify one of your accounts before adding another. You currently have the maximum number of unverified accounts allowed by Bank of America. '' But there are none, and I don't have any to " verify ''! Please help resolve this issue ; otherwise, I'm not able to make BofA XXXX XXXX online payments from my desired bank accounts to my BofA credit cards due to this technical issue on BofA online XXXXXXXX XXXX site!

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 2023-03-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
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 XX/XX/2023 The company responded to me Adding that they will not honor my request The credit bureaus stated that account XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX But how is that possible when " date open '' are inaccurate and " last reported dates '' are inaccurate and " last active dates '' are incorrect as well.THIS IS GROUND FOR REMOVAL.They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on My behalf as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Experian Information Solutions Inc.
State: KY
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XX/XX/2021 XXXX - XX/XX/2021 XXXX XXXX XXXX XXXX : {$4800.00} XXXX XXXX XXXX XXXX XX/XX/2021

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 2022-10-20
Company: EQUIFAX, INC.
State: VA
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 Fair Credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
ALASKA CHILD SUPPORT SER account # XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX account # XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX account # XXXX XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XX/XX/XXXX XXXX  XXXX account # XXXX XX/XX/XXXX XXXX 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 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 7 years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX & fraudulently reported an inquiry on my credit report in violation of 15 USC 1681 ( a ) ( 4 ) and 1681b ( a ) ( 2 ). I have never given XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX & XXXXXXXX XXXX XXXXXXXX fraudulently reported an inquiry on my credit report in violation of 15 USC 1681 ( a ) ( 4 ) and 1681b ( a ) ( 2 ). I have never given XXXXXXXX XXXX XXXX, XXXX, XXXX nor XXXX written permission to disclose any information contained in my consumer credit file. They have all blatantly violated the law and thereby have violated my rights as a consumer to be free from this type of financial, economic and mental abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I attempted to make my mortgage payment on fifth thirds app on XXXX  and was given an error message. I attempted again on XX/XX/XXXX and was again given an error message. Ok XXXX  I saw that a payment came out. Again on XX/XX/XXXX I saw a second payment came out. I did not authorize 2 payments to come out of my account. The bank can not refund me the money for the second payment for 14 business days. At which point the payment will almost be due again. I have called multiple times and chatted over the app but no one is willing to help me for the error that the bank made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Wells Fargo Bank XXXX XXXX XXXX XXXX XXXX Ca XXXX Check amount {$1100.00} was deposited into my Visa Card XX/XX/XXXX. This money was taken out of my checking account on XX/XX/XXXX. Wells Fargo Bank said " It was a returned check. '' Wells Fargo bank has tried to cash this check twice. Dates : XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX  cashed the first check and denied the second check. Wells Fargo owes me back to my checking account {$1100.00} back to my account. The XXXX XXXX tried to help me and the bank is giving them the run around. The XXXX XXXX told me to get in touch with you. My case number with the XXXX XXXX XXXX  is # XXXX. I also went in person and showed proof to the bank that they took my money out of my account without putting it back. I have made several phone calls to the bank.

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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have submitted over 20 investigations as well as mailed Transunion documents as regards XXXX XXXX on my report they keep showing this company as having a open account and also a invalid Amount owed. Most of the fees XXXX says i owe are from the submitting false paper work to court as well as fake summons served. I went to court submitted original loan amount XXXX dollars. Judge dismissed and vacated judgment. But they illegally kept up fake judgments amounts they racked up without my knowledge and added that to what ever XXXX i owed and reported amount over a XXXX dollars. This company has engaged in tactics in the past and most likely continues of attacking injured people submitting false paper work to courts. And Transunion will not remove or show the effects of me getting out of dept. But as a honest and reliable credit agency XXXX is only agency showing true representation 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 non-monetary relief
Consumer complaint received 2023-06-08
Company: OneMain Finance Corporation
State: VA
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 recently legally settled my debt with One Main Financial and started making payments per our agreement- they sold this debt to XXXX XXXX XXXX of XXXX, Va. They immediately showed this as due in full without any mention of my settlement. My sister who is a co-applicant has been diagnosed with XXXX XXXX XXXX XXXX XXXX. This has ruined our credit and we cant pay for her treatments. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: CITIBANK, N.A.
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:
XXXX XXXX XXXX I have no knowledge of this 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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 understand you have assumed a vital role in in assembling information on me as federally protected consumer, your are impeding the bank system by not making sure my consumer report is fair and accurate, you are directly impairing the efficiency of the banking system, with your unfair credit reporting methods undermines the public confidence which is essential to the continued functioning of the banking system. You are an An elaborate mechanism that has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. There is a need to insure that consumer reporting agencies exercise their GRAVE responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. You as the consumer reporting agency are require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. I was looking over my credit report and notieced some items resulting in identity theft. 

Pleas see attachment

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 2022-10-20
Company: Experian Information Solutions Inc.
State: PA
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: Was not notified of investigation status or results

Complaint:
The website XXXX keeps reporting to my credit. Incorrect information identity theft. They are reporting to open account that I never created I've never bought anything off their website. 

They keep reporting this to my credit and they are hurting my credit I have a negative XXXX points. I'm at poor credit because of them They give me case number by email say they won't investigate. Send to the proper department but they never get around to contact me they keep giving me the runaround. 

They keep reporting address that I never lived in. This is clearly identity theft.

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 2016-08-11
Company: Simon's Agency, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I get some medicals bills who was send to collection without my knowledge. I was with XXXX and always paid my co-pay to each of my visits. I never received any invoices from medicals institutions asking me to make any extra payments of {$4.00}. I want all this medicals bills to be removed and a XXXX balance also I want the collections to be removed. I request that the collections calls to be stop, I am on the Do not Calls List and still received some blocked number or XXXX all the time. Simon 's Agency inc get XXXX accounts with different amounts due report to my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, 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:
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. 

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 non-monetary relief
Consumer complaint received 2023-03-01
Company: AES/PHEAA
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
It's derogatory reporting to my credit report from American Education Services ; which is causing me hardship.They have sold my credit information to various credit collecting agencies, and garnished my wages unlawfully. These agencies have violated me in so many ways. They are sending me letters, calling my personal phone number, and emailing me ; which is a violation of my privacy. I had zero knowledge of this company selling my information. We as consumers are violated every day with these company 's fraudulent practices. These debts are already paid through our Cesti que trust. The violation becomes over kill, and is a Tort issue, by reporting derogatory information. This is considered deformation. These corporations want to overly profit adding interest, putting our information on the stock market, and selling our information to other agencies. 

According to HJR 192 these debts are not ours, because they are already paid. I can send in any documentation as requested. This include emails, letters from numerous companies, and a call list.

" The Federal Government took our lawful money out of circulation in 1933 but Congress had to provide the people a remedy. Public Law : " Chap. 48, 48 Stat. 112 '' under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRUIST FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Around XXXX through XX/XX/XXXX BBT opened a Business account online for someone using my ID, SS #, and Address. They opened an account with around {$100.00}, which they were immediately given access to, and the account was opened in the name of XXXX XXXX. All the paperwork came to my house for signatures. I called the bank immediately and explained it was a fraud and that they were going to check into it. In the meantime, I continued to get mail from BBT / and then TRUIST about the account and statements every month. I went over an hour to the nearest branch, several months later, to produce my personal ID and requested information about the account, as it was still open. Since I initially introduced myself and that I was there to make sure that the account got closed. They then informed me that since it wasn't my account I can not access any information about the account. So I can find out who may have my information and stop any further problems. There were also XXXX to XXXX credit checks and a couple of unknown charges on my credit report. I have continued to get Statements up until XX/XX/XXXX, with a balance of {$0.00} on the checking account. I again went to the bank to make sure the account was closed, because I was able to call customer service with my ID information and it pulled up the account as if it was open, I told customer service that this account should be flagged as a fraud account and was supposed to be closed. I still get marketing information from the bank and its affiliates and hate that my personal information is in their system also mentioning my business account with them. I have asked politely for them to remove any trace of my information from their systems. They informed me that it was impossible to do that. Please let me know if there is anything that can be done. There is also a charge on a XXXX account for a XXXX purchase. I have never ordered, received, or visited any of that company 's websites. I am tired of trying to fight this alone. As a recent widow, due to COVID, my options to follow up on these items have been limited. I have disputed some of the items and they won't remove them and it affects my credit as well. Please let me know if you can help. I have a huge, expanding file folder full of mail and documentation to support this claim. Contact me if you can help. I also recently received XXXX Invoices to be paid in a XXXX account with no company name on shipped products. I can't wait to find out where that goes.

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 2023-03-09
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Conns is reporting a charged off account on my reports that I have been disputing for a while now. 

I sent them a letter on XX/XX/2023 requesting validation of this debt and I have not heard anything back. 

Per the FCRA, the consumer reporting agencies have 30 days to complete their investigation in receipt of my dispute. It has been well past 30 days and have not received any type of communication back. 

How are they able to report this account on my credit reports as valid when they have not responded or provided any valid proof to me? 

I am requesting that this account is deleted from my reports as they are in violation of my rights as a consumer to have accurate and valid information on my credit reports and right to dispute!

Company response to consumer: Closed with explanation