BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a Small Business checking account with Bank of America in XX/XX/2022, after receiving personalized promotional email from Bank of America promising a {$100.00} to {$200.00} account opening bonus subject to balance maintenance conditions over a 90 day period. 
Prior to opening the account, I called a Bank of America Small Business Representative to discuss details of the offer. The Bank of America representative confirmed the terms of the offer and gave me instructions on how to open the account. 
I followed the instructions and opened the account. At the end of the maintenance period, after meeting the maintenance requirements for the {$100.00} bonus, I did not receive any bonus. I waited XXXX more month, and I still did not receive any bonus. 
When I called Bank of America to ask why I did not receive a bonus, I was put on hold again and again for almost XXXX hour. Finally, I was told the bonus offer had not been originally applied to my account, so I would have never received the promised bonus if I had not called to complain. Yet, Bank of America refused to apply the promised bonus ( now 1 month overdue ) in a timely manner. They said it will be applied within 60 days. This is unfair and unreasonable, because Bank of America charges monthly fees to keep the account open, so are they effectively avoiding to pay the full promised amount by deliberately delaying the bonus disbursement.

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 2023-05-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-22
Company: EQUIFAX, INC.
State: VA
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 were incorrect. 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 correction due to inaccurate reporting in my file. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite of my previous complaint, I am submitting this CFPB Complaint again to dispute the accuracy of my credit report. As I reviewed my credit file there are still inaccurate items that are still continue reporting on my file. I am asking for your assistance in removing charge off accounts from my credit file. These accounts have been reported inaccurately, which is negatively impacting my credit score and financial well-being. Despite my attempts to resolve the issue with the creditors, the charge off accounts remain on my credit report. Kindly remove the following items : XXXX XXXX Balance Owed : {$0.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy ; XXXX XXXX Balance Owed : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately ; XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. ; XXXX XXXX Balance Owed : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Company: Experian Information Solutions 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 received a copy of my credit report from Experian and I am listed as authorized user on a XXXX credit card. I do not have a XXXX credit card and I did not agree to be an authorized user on anyones card. I called XXXX and was told they have no information that I have a card issued by them nor my name as an authorized user on any of their credit cards. I put in a dispute to Experian and did not receive any information so I thought it was corrected. Today on XX/XX/2022 I check my credit report and it says according to my dispute in XXXX of this year my dispute was denied and the information will remain on my credit report. This balance on this account according to Experian has increased from approximately {$2000.00} in XXXX to {$6600.00} now in XXXX. This account is not mine and no details were given why they say it is mine. My credit score is XXXX. I have been diligent to pay down all my bills. This credit card is going up. This does not coincide with my use of credit. Please help resolve this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2023 I paid off my mortgage with XXXX XXXX XXXX in the amount of {$67000.00} that has not shown up on any credit reports as an account or loan and I have now paid this mortgage in full. XXXX XXXX XXXX gave me an audit control number of XXXX to call all 3 credit bureau 's. All 3 credit bureu 's have no clue as to what I am talking about and still have not even shown I ever had the loan with XXXX XXXX XXXX. This loan has been paid on time in advance each and every month I had the loan with no late payments. I want all 3 credit bureaus to show the loan and that it was paid in full. I should get alot of good credit for this loan. If it was negative credit they would have no problem reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
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 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. 
XXXXXXXX XXXX Account Number XXXX, XXXX Account Number XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXXXXXX XXXX Account Number XXXX, XXXXXXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX  Account Number XXXXXXXX XXXX Account Number 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 2022-12-05
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2022, I opened an account with Wells Fargo for a Credit Card that included a promotional purchase period and promotional balance tranfser offer. On the same date, I was approved for a a balance transfer of {$6000.00} to XXXX XXXX. On XX/XX/2022, I had still not received my credit card or had a balance transfer completed and called Wells Fargo support. Tier 1 support did not understand the issue, so I was escalated to tier 2 for better suport. Teir 2 support informed me that my balance transfer funds of {$6000.00} had been released to XXXX XXXX and would post by XX/XX/2022. Tier XXXX support also informed me that my credit card had shipped and would arrive shortly and that any promotional offers would be extended accordingly. On XX/XX/2022, I received a letter from Wells Fargo that my " balance transfer for {$6000.00} to XXXX  XXXX was not completed because... have not received your new account credit card .... '' Although I was told by tier 2 support that my funds had been released on XX/XX/2022, they had not and I was subsequently notified that this was incorrect. Upon account opening, I was informed that my card would be received within 7-10 business days and my balance transfer would be completed within 2 weeks. Both of these timelines have been blown out of the water. Furthermore, upon speaking to the executive support team on XX/XX/2022, I was informed that the promotional offers WOULD NOT be extended even though I was unable to leverage the promotional offers due to delays caused by Wells Fargo. Wells Fargo support have been unproffessional and downright uneducated on the terms and conditions of the opened accounts. At this point, I wish I had never opened an account with Wells Fargo.

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 2022-10-01
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I called EdFinancial Services loan provider back in XX/XX/XXXX requesting a refund in the amount of XXXX for payments made after XX/XX/XXXX. However, the customer service representative advised me that I should expect the refund to process in 6-8 months. This timeline is absolutely unacceptable in this economy as other loan providers are quoting 6-10 weeks. I suspect EdFinancial Services is delaying their refund process into next year so that they can charge/collect interest from borrowers after the interest freeze. This is unethical practice. Essentially, I paid off all my loans in the amount of XXXX in XXXX to avoid paying interest. EdFinancial Services understands this and plans on reinstating my loans until XX/XX/XXXX so that I end up paying interest all because they took " too long '' to reinstate my loans. Please help us consumers. With that said, EdFinancial Services is taking advantage of borrowers who already paid off all their Direct Loans in full. 

In addition, I am unable to apply for student loan forgiveness with the Department of Education until the refund is processed. 

More context : My loans were paid in full with XXXX XXXX XXXX. With that said, my information was transferred over to EdFinancial Services. In other words, EdFinancial Services can only find my account in their system through XXXX XXXX XXXX. This might help when you reach out to EdFinancial Services. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Please correct this immediately. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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 2023-05-22
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Maryland XXXX To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  # XXXX XXXX  XXXX, MD XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX 4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX 5. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX 6. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX 7. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX 8. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX 9. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, SC XXXX 10. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, SC XXXX 11. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX 12. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

13. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: FISERV INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
HELLO MY NAME IS XXXX XXXX I AM TALKING ABOUT MY MERCHANT ACCOUNT WITH CLOVER XXXX  XXXX TO REQUEST THE SENDING OF MY FUNDS WHICH ARE FROZEN THE LAST TIME I CONTACTED THIS COMPANY THEY TOLD ME THAT I HAD TO WAIT 2 CONSECUTIVE MONTHS WITHOUT HAVING DISPUTES, TIME HAS PASSED PLEASE RELEASE MY FUNDS SEND ME A CHECK TO MY PHYSICAL ADDRESS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, SINCE MY BANK ACCOUNT IS CLOSED, SEND ME A TRACKING NUMBER TO FOLLOW UP THE CHECK THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Bread Financial Holdings, Inc.
State: CT
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:
On XX/XX/XXXX, my wife 's purse was stolen. We reported the theft to our credit card companies, and let them know that any charges from XX/XX/XXXX on were fraudulent, unauthorized charges, and that we had a police report for proof of the theft. All creditors, with the exception of Commenity/My BJs Perks card, promptly removed the fraudulent charges and mailed us replacement cards. We called Commenity on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to follow up in the status. Twice we were told they couldn't access the account, as they were having company wide issues, and that they would report the fraud, remove the charges, and send us new cards once they were able to access our account. Finally, on the last call, we were told that they were able to access our account, that they would mail us our new cards ( only received one card ), and that the fraud team would look into the report and remove the charges. When asked what to do about the charges on our account, as the due date was approaching, we were told to pay only our charges, or pay the entire amount ( fraudulent charges included ) and request a reimbursement. We have still not heard back about the unauthorized charges, and they are still on our account a month and a half later.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Company: EQUIFAX, 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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$990.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance Owed : {$25000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$370.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed {$720.00}.

Company response to consumer: Closed with explanation