BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
State: GA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete it at one 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXXL XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX  XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX Account NumbeXXXX : XXXX This Account is inaccurate and seeking litigation please delete it once 6. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 7. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

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 2023-01-24
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
No matter what kind of loan transactions Ive ever tried to get through Wells Fargo, it was denied. And was easily excepted at other financial institutions.

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 2020-06-05
Company: Mezcal Corporation
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Originally obtained a predatory car loan with an interest rate of 26 % through mega auto finance in XXXX XXXX, CA. I believe, and a high car payment, with the vehicle also having a mandatory vehicle disabler, like I was a criminal or something. Than after a few months to a year I decided enough is enough and I volunteered to surrender my car, which was co-signed by my dad. The company sold the car at auction only getting if I remember a third of the loan value. They wanted an additional at the time around {$6000.00} more. I told them that wasnt my problem, that they didnt get the amount they wanted. So they put a derogatory remark on my credit and my fathers. So for each month over the next three or so years they marked as late unpaid. Eventually charging off as bad debt which also said CLOSED. Yet here we are a year Or two after that remark, and they still are reporting negatively. I had attempted last year to settle the debt for {$1500.00} to put an end to it, they wouldnt even consider it. After asking for a manager I was given a specialist who is a glorified debt collector. XXXX XXXX. 

Than, after recently checking my report, they seemed to have added on interest!

This company needs to be shut down. Nothing but bad reviews and predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

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 2023-03-10
Company: Experian Information Solutions 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:
I filed complaint for Identity theft. I had some deletions and some were verified

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 2023-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 1681 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-05-19
Company: Creditors Specialty Northwest, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I returned a call from creditors specialty northwest incXXXX on XX/XX/22 and advised of a debt with my daughter for a rental. I was told, after the person went through a list of names before getting to my daughter, that they had spoken to her on XX/XX/22 about a settlement and that my daughter stated that she was going to look into getting a loan. I was then advised that I was going to be affected and that her boss told her not to play around with us and he would just sue us. I ended the call at that point, sent an email to request a conversation with her boss and am now filing a complaint for being threatened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
Transunion is reporting inaccurate and nonfactual data /information on Accounts XXXX XXXX # XXXX and # XXXX. They are reporting inaccurate Past due amounts, a false Balances which has increased even though accounts are closed, and amount is paid in full Transunion is also reporting accounts open when in fact they are closed these are all are negligent and inaccurate reporting and nonfactual. reporting Inaccurate information and nonfactual information is not in compliance with the FCRA. Should Transunion continue in non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with Transunion for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. Transunion 's non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt which has been paid against me and your implied agreement to compensate me for court costs and attorney fees. Additionally, any reporting of this debt to the credit bureaus without validation and continued reporting of inaccurate information it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. Because you are in violation, this account must be removed and deleted 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 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. To Whom It May Concern : I recently received a copy of my consumer report and I noticed some accounts on my consumer report that should not be on there. These agency is in violation of 15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified. In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately : Listed of accounts to be deleted. The above Accounts are inaccurate, the character is incomplete, you are reporting a charter amount that is incomplete and inaccurate.

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 2023-01-24
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX and Experian both have failed to respond to disputes timely. I submitted written disputes for collections, late payments and inquiries. These items are inaccurately and incorrectly being reported. I want all errors to be corrected by immediate deletion and discharge.

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 2023-03-22
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Told Capital one I did not request XXXX charge and did not recieve service for it either. I contacted XXXX and said to cancel charge they refused. I told to Capital One and supported information. They rejected my request and charged me anyway for a service not provided against my will.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been having issues with the information on my credit report. 
My only address XXXX XXXX XXXX, XXXX, OH XXXX. 
My Current Employer is XXXX Please delete/remove this following address, I do not live at XXXX XXXX XXXX, XXXX, OH XXXX The following number are not mines please delete/remove ( 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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-05-19
Company: TD BANK US HOLDING COMPANY
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan As late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: JPMORGAN CHASE & CO.
State: SD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I previously submitted a complaint ( XXXX ) on XX/XX/XXXX about an erroneous payment in the amount of {$450.00}  posted on XX/XX/XXXX. I originally called Chase Bank on XX/XX/XXXX to schedule a payment on XX/XX/XXXX. I am now submitting an additional complaint due to a second ( 2nd ) erroneous payment in the amount of {$450.00} posted on XX/XX/XXXX. I have attached both XXXX  XXXX XXXX messages indicating the payment attempts and the {$35.00} NSF fees. I now have been charged a total of {$70.00} in NSF fees for two ( 2 ) payments that I never authorized. 

I contacted Chase Bank today, XX/XX/XXXX to explain that I received a second ( 2nd ) notice from my bank about an attempt to withdraw funds. The Chase Bank rep explained he did not see a second attempt in their system. The Chase Bank rep then explained that it is standard for a second attempt for payment to be made and that it is automatic. I asked if this call was being recorded and he indicated that the call was infact being recorded. The Chase Bank rep explained that Chase Bank has an expectation for customers to have funds available when a payment is made. The rep explained I signed a disclosure agreement that a payment will be attempted twice. 

I explained to the Chase Bank rep that as a customer, I too, have an expectation for the payment to take place on the date that I requested. After the Chase Bank rep said he is aware of my original complaint and wanted to know why I was calling again today. I kindly explained to the rep that I had received a second ( 2nd ) notice from my bank of another NSF {$35.00} fee on XX/XX/XXXX. The Chase Bank rep stated that I should forward the  complaint to them so they could determine if a refund is required. 

I am now out of {$70.00} in NSF fees due to two ( 2 ) separate erroneous attempts to take a {$450.00} payment on my car ( XX/XX/XXXX and XX/XX/XXXX ). I have been disparaged twice now  from these Chase Bank reps as they explain to me company policy. I'm not sure what to do at this point. I haven't even received a response from the first error. 

Additionally, I requested to have all my financial information removed from their computer systems. I can't afford to have Chase Bank in possession of my banking information. It literally is not cost effective. 

I am literally out of ideas on how to deal with Chase Bank. I don't think they have a clear concept of First Call Resolution or Customer Centricity. I believe they desire to take care of their customers. I also believe they have many concerns internally that need immediate attention.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
For the past XXXX and a half years almost XXXX dollars of my California unemployment insurance benefits have been stolen due to Bank XXXXf Americas 1 ) BOA 's standard UE prepaid cards that have no security features and have never had them so ppl continue to face their having no option but to receive benefits thru BOA which means I continued to be robbed by unknown internet fraudsters thru my entire time on unemployment insurance. It's absolutely disgraceful this Bank.

2 ) even tho Now that they were fined for their shady and illegal business practices nothing has changed. After 2 years of apparently having a robot deny my claim, I was told to reopen it ( and did with stupid high hopes ) only to be mocked, receiving no fund release while the 10 day investigation reached day 11 then one month ... ... as it states is their policy. Then to be yet again defeated in tears because my claim was ( AFTER ALL THAT AND AGAIN I AM THE VICTIM NOT THEM!! ITS MY MONEY I NEVER EVEN TOUCHED THAT WAS STOLEN )!!!! DEINIED!!!!!! What????? Are you joking???? This is beyond appalling, so today I try this route, I've already filed a complaint with the FTC and I'll be filing one with my local law enforcement as well as the FDIC. 

Bank of America you truly are thieves as well as an ABSOLUTE DISGRACE OF A " FINANCIAL INSTITUTION ''. DISGUSTING. So again tonight I will continue to feel robbed, violated, like I've been treated like a criminal and a second class citizen. All because I was laid off during a global pandemic after working from XXXX  years of age to XXXX without any lull. Someone please help me recover my money that these people won't. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-09
Company: NCB Management Services Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation