BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On Thursday, XX/XX/XXXX, I logged onto my Bank of America account in the morning. I noticed two accounts that were listed that were not mine, each with a XXXX balance. After calling BOA, I learned that the accounts were set up by someone using my social security number and name, yet a different address. These fraudulent accounts were linked to my current account at BOA. After speaking with several people in the fraud department, no one is able to tell me why they would allow an account with my information, yet a completely different address, to be opened and then linked to my current account. Additionally, although I have all the alerts and 2-factor authentication set up, neither was sent to me. Had I not logged on that morning, it appears that the fraudulent accounts could have taken the money out of my account. BOA 's message, when on hold, was that they take security seriously and that address changes need to be verified. It is beyond my understanding how they would allow someone to set up an account with a completely different address than listed on my account. As a client of BOA since XXXX, my address has remained the same this entire time. It is frustrating to think that although I have as much security as they offer on my account ( alerts, 2-factor authentication ), they did not verify an address when linking a fraudulent account to my existing 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 non-monetary relief
Consumer complaint received 2022-11-26
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed via cash app.I paid for a vehicle to be towed and rekeyed. I paid via cash app and when I got off work the car was not towed. I tried contacting them and it was clear it was a scam they stopped answering. I contacted cash app and they did nothing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is Reporting inaccurate information in my credit report. For the Auto Loan they are r
eporting to XXXX I was 30days late 12 times/60days late 6 times and 90 days late once. They are reporting to Experian I was 30 days late 19 times/60 days late 11 times and 90 days late 2 times/ To XXXX they are reporting 30 days late 12 times/ 60 days 6 times and 90 days 1 time/ they are also reporting inaccurate dates of Last Payment. to Experian last date of payment is XX/XX/XXXX but to XXXX the date of last payment is XX/XX/XXXX and to XXXX date of last payment is XX/XX/XXXX. If these dates are all different and nothing matches this is a big discrepancy. They don't know if I was late or not because they don't have an accurate date of last payment. It also states it has never been disputed when it has several times.

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 2019-02-16
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/XXXX, I made a one time payment of {$240.00} to XXXX XXXX as a XXXX gift to my sister. This was a car payment for her, which was due on XX/XX/XXXX. As I mentioned, this was intended as a one time only payment. I have since signed back into the XXXX XXXX  website, and discovered that my banking information was retained on the website. This enables anyone, at any time to sign into the account and use my finacial/banking information for additional payment. Ii is unclear to me whether or not this information of mine can be assimilated to other accounts for access to my checking account. I have made multiple inquires to XXXX XXXX  to have this information removed. They stated the payment was done by a third party service, XXXX, offered by XXXX XXXX. They also stated they are unable to remove my information from their website and that only XXXX/XXXX  XXXX can do so. I frankly find it difficult to believe a company can not remove information from their own website. The payment was entered on the date indicated above. It was posted to XXXX XXXX  's website immediately. The account number it was posted to is : XXXX. Account holder is XXXX XXXX. XXXX. Vehicle VIN # is : XXXX. Payment confirmation # from XXXX/XXXX  XXXX is : XXXX. My request is to immediately and permanently remove my banking information from XXXX XXXX 's website. I feel it is not right that information is held without my permission. The account information in question is posted on the website as XXXX XXXX XXXX. There is a radio button next to this account information which gives immediate access to my funds. I am enclosing additional documentation to substantiate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is Reporting inaccurate information in my credit report. For the Auto Loan they are reporting to Transunion I was 30days late 12 times/60days late 6
times and 90 days late once. They are reporting to XXXX I was 30 days late 19 times/60 days late 11 times and 90 days late 2 times/ To XXXX they are reporting 30 days late 12 times/ 60 days 6 times and 90 days 1 time/ they are also reporting inaccurate dates of Last Payment. to XXXX last date of payment is XX/XX/XXXX but to Transunion the date of last payment is XX/XX/XXXX and to XXXX date of last payment is XX/XX/XXXX. If these dates are all different and nothing matches this is a big discrepancy. They don't know if I was late or not because they don't have an accurate date of last payment. It also states it has never been disputed when it has several times.

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 2022-11-28
Company: SYNCHRONY FINANCIAL
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
FOR AT LEAST THE LAST 3 MONTHES I HAVE NOT BEEN ABLE TO ACCESS MY ON LINE STATEMENTS. I HAVE NO IDEA HOW MUCH INTEREST I AM BEING CHARGED, BUT I DO KNOW THAT {$20.00} FROM {$100.00} 0N A 2241.?? BALANCE IS NOT REASONABLE. I TRIED ONLINE CHAT AND TELEPHONE. IALL I GOT FROM THAT WAS FRUSTRATION. I HOPE THAT HELPS ME TO GET HELP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
HARRIS BANK WAS ONE WEEK LATE with STARTING the PPP PROGRAM. On top of it, the first day they DID open they did not have ANY APPLICATION to apply for online like other lenders. 

They said fill in your informatiion and someone will contact you in 48 hours. NO ONE ever contacted me. And now the program is closed. They have virtually eliminated a chance for my business to survive since my business account is there. 

They are inept. How dare they start a week later, and only send you a canned email SOMEONE WILL CALL YOU BACK in 48 hours, and now the program is cancelled due to lack of funds. 

This is the worst bank in the world. INEPT INEPT INEPT. They have excuse for their unreadiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Lending Club Corp
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I borrowed money from the Lending XXXX in XX/XX/XXXX, {$17000.00} to be exact. They automatically withdrew {$550.00} from my XXXX  XXXX XXXX checking for 14 months. Totaling close to {$8000.00}. I refinanced my house in XX/XX/XXXX and I paid off this account. The mortgage company sent me a pre made check to the Lending Club. The amount was actually more than was owed. I called them before hand and explained this to them, and they said they would send me the refund. The amount I overpaid was {$1300.00}. I have called them over 30 times and explained this situation, and at the beginning they said they already sent it to me in my XXXX XXXX account on XX/XX/XXXX. I have never had a XXXX XXXX account! Never! I continue to call them daily with promises of a return call, and I never hear from them. I have sent them my XXXX  XXXX XXXX banking statements proving that I never received it. They put the direct deposit into someone else '' s account and do not want to accept the blame for that. The {$1300.00} is mine and I could certainly use it as my salary pay at my employer has been decreased by 30 % during the Covid19. If you could in someway help me, I would really appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I wanted to purchase a laptop from Best Buy and they offered me 12-months free financing if I opened a Best Buy credit card. I agreed and provided my information to be approved. I was flagged on their system so I had to speak with a rep. from Citi Bank before they would approve the card. I waited for about 15 minutes and then was told that I didn't qualify for the card, however I did qualify for the Gold card with an annual fee of {$59.00}. He would not tell me why I didn't qualify for the free card. It seems difficult to believe that, if I had any credit issues ( which I certainly do not ), that I wouldn't qualify for the lower tier card but would qualify for the more expensive Gold card. I hung up and ended up paying in cash for the purchase. I feel that I was targeted by Citi Bank because of a high credit score and income to try and sell me on a product I did not want.

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 2023-01-10
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:
I sent a letter to Experian, XXXX XXXX XXXX on XX/XX/2022, I still haven't received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. 

This is a violation of my rights. 
When they did respond they said everything was verified but they did not show what resources they used to verify accounts and proof I owe debt. I also contacted all accounts listed below and requested for original contract from creditors I got no proof I even owe the proclaimed balance from them and they didn't remove debt I don't owe off report. 

Please reinvestigate accounts below and delete this incorrect information from my corresponding reports. 

Accounts that need to be investigated properly : Convergent Outsourcing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C 1681 ( b ) Permissible purposes of consumer reports.

Any of thepurposeslistedinSection 604of theFCRA, 15 U.S.C. 1681b.

Certified

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 2022-04-24
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have done several disputes with several credit card companies trying to get them to send me info showing that the accounts are mine. 
They sent the account to a collection agency XXXX XXXX. I paid the balance due XXXX I needed my credit fix with XXXX XXXX. I told XXXX XXXX that even though these accounts are not mine I am willing to pay so I can better my credit. I paid the XXXX XXXX XXXX from XXXX XXXX and the XXXX XXXX XXXX card from XXXX XXXX. I keep disputing with express from XXXX XXXX and XXXX XXXX from XXXX XXXX, and they dont respond or send anything validating the accounts are mine at all. I been disputing this with these companies for a long time now. If they cant produce paperwork indicating these are my accounts then they need to remove these accounts from my credit report.

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 2022-09-19
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:
DELETE THIS UNCONFIRMED INQUIRY LACKING CERTIFIABLE EVIDENCE UNLESS PHYSICALLY CERTIFIED VERTIFIED PROOF IS DEMOSTRATED PER U.S. CODE 15 U.SC 1681 ET SEQ. SECTION 604 OF FAIR CREDIT REPORTING ACT. ONCE YOU HAVE FULFILLED MY REQUEST, MAIL ME AN UPDATED CREDIT REPORT REFLECTING THESE CHANGES! 


I AM SHOWING 5 INQUIRIES I DID NOT APPROVE, MY ACCOUNT IS SUPPOSE TO BE FROZEN TO AVOID FRAUD, HOW IS THIS STILL EVEN CATCHING INQUIRIES? 

HARD INQUIRY NAME - XXXX DATE XXXX HARD INQUIRY NAME - XXXX DATE - XX/XX/2022 HARD INQUIRY NAME - XXXX XXXX XXXXXXXX DATE - XX/XX/2022 HARD INQUIRY NAME - XXXX XXXX XXXXXXXX DATE XXXX HARD INQUIRY NAME - XXXX XXXX XXXX DATE 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 2022-09-19
Company: EQUIFAX, 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:
1 ) ACCOUNT NAME- XXXX XXXXXXXX - ACCOUNT NUMBER- XXXX DATE OPENED - XX/XX/XXXX REASON FOR DISPUTE - REPORITNG LATE PAYMENT AND IT IS INACURATE : 15 U.S CODE 1666 - CORRECRTION OF BILLING ERRORS 15 USC 1681B - PERMISSIBLE PURPOSE OF CONSUMER REPORTS. 


2 ) ACCOUNT NAME- XXXX XXXXXXXX - ACCOUNT NUMBER- XXXX DATE OPENED - XX/XX/XXXX REASON FOR DISPUTE - REPORITNG LATE PAYMENT AND IT IS INACURATE : 15 U.S CODE 1666 - CORRECRTION OF BILLING ERRORS 15 USC 1681B - PERMISSIBLE PURPOSE OF CONSUMER REPORTS. 
I NEED TO REMOVE THESE LATE PAYMENTS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
1 ) ACCOUNT NAME- XXXX XXXXXXXX - ACCOUNT NUMBER- XXXX DATE OPENED - XX/XX/XXXX REASON FOR DISPUTE - REPORITNG LATE PAYMENT AND IT IS INACURATE : 15 U.S CODE 1666 - CORRECRTION OF BILLING ERRORS 15 USC 1681B - PERMISSIBLE PURPOSE OF CONSUMER REPORTS. 


2 ) ACCOUNT NAME- XXXX XXXX  - ACCOUNT NUMBER- XXXX DATE OPENED - XX/XX/XXXX REASON FOR DISPUTE - REPORITNG LATE XXXX AND IT IS INACURATE : 15 U.S CODE 1666 - CORRECRTION OF BILLING ERRORS 15 USC 1681B - PERMISSIBLE PURPOSE OF CONSUMER REPORTS. 
I NEED TO REMOVE THESE LATE PAYMENTS!!

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 2022-06-24
Company: Experian Information Solutions Inc.
State: AL
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 and XXXX  account XXXX XXXX XXXX has violated my rights.

15 U.S.C. 1681 SECTION 602 A States I have the right to privacy 15 U.S.C. 1681 SECTION 602 A SECTION 2 It also states a consumer reporting agency can not furnish a account 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 2023-08-15
Company: Experian Information Solutions 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 would like to request the suppression of these items from my credit report, which is the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which are reported erroneously. I am in desperate need of these items to be INSPECTED and BLOCKED. 

XXXXXXXX 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 2023-08-15
Company: Experian Information Solutions 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 would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and BLOCKED. 

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 2023-03-21
Company: Experian Information Solutions Inc.
State: MI
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:
In XXXX and XXXX of this year my credit score was tanked around XXXX points of non payment on this card when the card balance was {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions 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:
This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-04-24
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have done several disputes with several credit card companies trying to get them to send me info showing that the accounts are mine. 
They sent the account to a collection agency XXXX XXXX I paid the balance due bc I needed my credit fix with XXXX XXXX  I told XXXX  XXXX  that even though these accounts are not mine I am willing to pay so I can better my credit. I paid the XXXX XXXX XXXX XXXX XXXX XXXX  and the XXXX XXXX XXXX XXXX  from XXXX XXXX. I keep disputing with XXXX XXXX XXXX XXXX and XXXX XXXX from XXXX XXXX and they dont respond or send anything validating the accounts are mine at all. I been disputing this with these companies for a long time now. If they cant produce paperwork indicating these are my accounts then they need to remove these accounts from my credit report.

Company response to consumer: Closed with explanation