BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a prepaid debit card from XXXX XXXX XXXX  for being a part of a research project. 
I went online to registered the card, per the instructions I received, which were published by Bank of America, the issuer of the card. 

I tried to use the card a couple of weeks later, and it was refused. I was trying to use the card on XXXX. 

I went on the Bank of America website to confirm that my card was registered to me, and I updated the PIN for the thing. All seemed in order there, so I figured there was a problem with my trying to use the card because it is a debit card ( I don't use debit cards because they are innately insecure, so I don't really know how it works, using them online. 

Then, I tried to use the card again on XXXX, and the card was refused, again. 

Same drill with the Bank of America website, which reported that my card was registered in my name, and associated with me at my home address. 

Then, I tried to use the card via XXXX to pay for a donation I wanted to make a donation to a not for profit. 

The card was refused yet again. 

Same drill with the Bank of America website, but this time I followed up by calling the customer service number on the back of the card. 

This time, I spent XXXX minutes on the phone, getting the problem fixed, with my call being dropped by " XXXX in Tennessee '' because his VPN wasn't working properly. 

Apparently, Bank of America 's site for registering prepaid cards did not associate my card with me, and it was showing up as unregistered on XXXX 's screen. 

I want Bank of America held accountable for this scheme, because we all know that this was intended to make it hard for me to access this money in hopes that Bank of America could keep it for its management to count as profits when the card expires in XXXX years. 

The bank is notorious for pulling these kinds of cons, and the managers of the bank must be held accountable for this illegal behavior. 

Oh, and I also found out when speaking with XXXX that Bank of America will not allow me to use the card when transacting through XXXX, one of its competitors. That seems to fly the face of all kinds of competitiveness laws and regulations. If denying me the ability to utilize XXXX to clear my transactions is legal, I want CFPB to explain why that is, because I want to write my elected representatives to complain about that. 

And for the record, nowhere in the paperwork I received when given this card does it clearly state that I am not allowed to transact over XXXX 's infrastructure.

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 2022-06-08
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account XXXX : Collection 15.U.S.C 1681 section 602 A States I have the right to privacy.

15. U.S.C 1681 SECTION 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions.

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 2022-09-25
Company: Spring Oaks Capital, LLC
State: KS
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:
Failing to provide documents listed below : I request verification/validation of the alleged debt and specifically request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Note : a billing statement, notice, or any unsigned document is not verification of the alleged debt. You are on notice that you are unlawfully attempting to collect above-listed alleged debt. Cease & Desist all collection activities including reporting to consumer reporting agencies ( CRAS ). Providing me the specific verification documents above shall not be deemed collection activity. Further, I request that you promptly delete any and all prior consumer reporting made to any CRAS. If you comply with my cease collection & deletion request, then you are excused from verification. If you opt to provide verification, also provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a debt buyer, then proof of chain of title of the alleged debt must be from the alleged original creditor to the current alleged owner without ant break of chain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: GA
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, has violated my rights. 

15 U.S.C 1681 Section 604 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 an account without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-09-25
Company: Credit Karma, LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On the site CreditKarma.com I applied 3 times for 3 cars all having 93 % approval. None of which were approved but effected my credit negatively none the less and recieved and email all 3 times stating the reason was due to low credit use which credit karma knew of prior to advertising said cards to me. Now it will cost me money to repair the negative credit points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: EQUIFAX, INC.
State: IL
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:
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. 

remove these accounts listed ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes, please. Thanks, 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 non-monetary relief
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My credit report is missing this account from each credit reporting bureau. I request that the account be reinserted immediately, XXXX : XXXX XXXX XXXX XXXX. 
Open Date : XXXX. XXXX, XXXX Account # : XXXX Original Balance : XXXX Updated Balance : XXXX TransUnion : XXXX XXXX XXXX XXXX. 
Open Date : XXXX. XXXX, XXXX Account # : XXXX Original Balance : XXXX Updated Balance : XXXX  XXXX  XXXX XXXX XXXX XXXX Account # XXXX Original Balance : XXXX  Status : Paid/closed ( XX/XX/XXXX ) XXXX : XXXX XXXX XXXX XXXX. 
Open Date : XXXX. XXXX, XXXX Account # : XXXX XXXX XXXX : XXXX Updated Balance : 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 2022-07-29
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes, please. Thanks, 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 non-monetary relief
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX  XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX XXXX XXXX/XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance XXXX {$35.00} ; XXXX  XXXX Balance : {$33.00} ; XXXX  XXXX Balance : {$35.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$100.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; 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 non-monetary relief
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2023-08-24
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Have an account with Truist, wanted to close it because they flagged a fraud check I received via mail and they refuse to give my direct deposited job check from my checking account which is a separated account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: Rocket Mortgage, LLC
State: TN
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 XX/XX/XXXX I entered into a conventional 30 year mortgage with Quicken loans. This loan was subsequently repackaged and sold. The loan was underwritten WITHOUT an escrow account as property tax payments directly to the county. When reviewing my credit reports for the month of XXXX it came to my attention that the loan was incorrectly being reported as being 30 days past due in the amount of approximately {$1300.00} and resulted in a SIGNIFICANT decline in my credit score of nearly XXXX points from approximately XXXX to approximately XXXX. I have made multiple attempts to contact the lender. What I was able to decipher from the online portal is that an escrow account was improperly established on the account in XX/XX/XXXX, without my knowledge. This is particularly concerning as a prior victim identity theft and further puts me in a position of overpaying the county for annual property taxes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had a XXXX  so I was looking to get a house as well as loan and i saw i had damages on my credit report. I have numerous unauthorized charges and I have tried to get these issue resolved as they are affecting me. I am a single mom and this is hurting me big time I am not able to accomplish anything because my credit report has so many damages. According to the 15 U.S.C 1681 law there should not be any damages on my credit report as a defamation to my character

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: TX
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 am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: In progress
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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  # 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. 
Delete all accounts that has violate my rights to privacy and has not furnish my written agreement. 


Account # XXXX Date XX/XX/XXXX Account # XXXX Date XX/XX/XXXX Account # XXXX Date XX/XX/XXXX Account # XXXX Date 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 non-monetary relief
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: FL
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:
FRAUDULENT INQUIRIES ARE LISTED ON THE ATTACHMENTS

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 2022-09-25
Company: EQUIFAX, INC.
State: CT
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:
On or around XX/XX/22 I received a notification from XXXX notifying me of a change in my report. I had multiple hard inquiries I didnt make. XXXX removed the inquiries. XXXX XXXX hasnt removed anything. Equifax is still investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Have banked with SunTrust for yearswhen they merged with BB & T to become Truist we had a few issues here and there but chalked it up to glitches. Have always deposited checks online and never once had an issue or hold no matter amount of checkdeposited one on XXXX of XXXX and they put a hold on until XX/XX/XXXX!!!!! I have deposited several checks from same company for even higher amounts and never once had an issue. This is ridiculous and puts ppl in binds not releasing funds for weeks. We are looking at going elsewhere now

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 2022-12-05
Company: Experian Information Solutions Inc.
State: AP
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:
Hello, This started in 2021, when I finally checked my credit for the first time after noticing old bills in my name in my mothers home. XXXX  XXXX  XXXX and we were cleaning out her home. I saw that it was a charge off and I been trying to dispute it ever since. At first, XXXX didnt tell me I had to create the identity theft report or anything, they only told me that itll be on my credit for 7 years. I was confused because it didnt make sense. The worker did not care and was rude. XXXX XXXX XXXX XXXX  XXXX  in XXXX XXXX for the last XXXX years. This past year I sent my information with EVERYTHING, FOUR times. Due to my work hours and the time XXXX  I try my best to contact everyone and get names of people but Im always led wrong number after another. I even sent all of the required information by mail to Experian AND XXXX. Experian is telling me that I probably need a police report as well as the identity theft commission paper but how can I make a police report on a person that has been dead for a year? I called them time and time again. XXXX is still saying that my information is correct. Im thinking, of course its correct because my mother is the one that took a credit card out in my name! Not me! Ive talked to XXXX and XXXX and they were nice and explain to me to keep disputing it. This is absolutely ridiculous. Ive also attached my XXXX  XXXX  XXXX  because it feels like no one is listening to 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