BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Every month my SSD and VA compensation goes into this bank, and BOA freezes my account without any warning ( no text or email ), they freeze my account or locks me out of it. When I pay my bills ( etc ) mortgage, electricity bill, furniture, or groceries bill BOA freezes my account. What is so frustrating is that now whenever I go shopping, whether it be for food or any other products I need, I'm embarrassed because my debit card was declined, meaning I have to call the bank and wait sometimes over 30 minutes before I can get someone to unlock my account so I can pay for my things, mind you I'm a XXXX veteran, this kind of stress has effected my health. Their excuse ; is suspicious activities going on on the account, There are no suspicious activities, just me trying to pay my bills and buy groceries and services I need to carry me during the course of the month. This has affected my credit score, I have to pay late fees because bills aren't paid on time, and I do have proof of this, It's been going on for nearly a year now. I need someone to do an audit on my account at BOA because things are not adding up as they should.

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 2020-03-11
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to report multiple violations to the California Credit Reporting Act that US Bank has committed. 

I want to mention a couple of them : 1. Inconsistent credit report.

2. Reporting incomplete information.

3. Negligence 4. Unfair business practices Please forward the attached documents to US Bank. 

Thank you, CFPB.

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 2023-10-16
Company: Experian Information Solutions Inc.
State: VA
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:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2020-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is the second time i ask for this to be removed from my credit. The name on the credit card they claim i owe is wrong. My name is XXXX XXXX XXXX XXXX and the papers they sent me and are using to say i owe this debt from Capitol One is XXXX XXXX XXXX. Thats not me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
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 sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2600.00} Inquiries Included in dispute : 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 2022-03-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and an FTC report just like the bureau requested before and I still havent received any original contract, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on the file between me and this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Experian Information Solutions Inc.
State: DE
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:
Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXate of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry 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 explanation
Consumer complaint received 2019-05-10
Company: Factor Trust
State: GA
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 mailed a dispute letter on XX/XX/2019 along with my ID Theft Report, and Police report, disputing inaccurate information found on my consumer credit report which was delivered to the company on XX/XX/19 per my USPS tracking receipt. As of today, XX/XX/2019, it has been more than 30 days, and I have not received any investigation results from my dispute of these erroneous items on my consumer credit report, and they still currently remain on my credit file. Therefore, in accordance with s.1629e ( 8 ) of the debt  collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau , I request that you immediately delete these inquiries from my credit reports, and send me a copy of the updated report as soon as it has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX & XXXX I have read the recent release copy of my credit report today and I still noticed that they still kept furnishing XXXX XXXX- XXXX XXXX there which was already completely DELETED under Experian 's record. This account was removed on XX/XX/2023 and I was expecting that XXXX would also do the same thing as they're both reporting to only one furnisher, right? I just dont understand why theyre still posting an inaccurate account that supposedly should never have been in my record in the first place. 

I also want this other misleading and inaccurate account be OMITTED on my record as soon as possible XXXX XXXX - Account # : XXXX as I dont recognize this one as well. I just want these accounts to be completely removed so that only those accurate information will be left and reflected on my credit report. I would appreciate it if you'll finally resolve this concern I have had for several months 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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} 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 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Charges applied to vehicle loan

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Wells fargo XXXX various amounts totalling {$7500.00} they denied my claim froze my account closed it without returning my money 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 explanation
Consumer complaint received 2022-03-21
Company: JPMORGAN CHASE & CO.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello my name is XXXX XXXX and this is my complaint it is on two credit card companies one is Chase XXXX credit card and the other is XXXX XXXX I have always made my payments on time sometimes I make two three payments a month not trying to ruin my credit or anything but they are and I've got proof every time I try and talk to him they get rude and hateful with me they won't listen they keep telling me they don't receive my payments when I know for a fact they do because it's in my bank statements my text notifications and everything else I've got pictures I will send please can somebody help me I'm a single full-time father and one of these days I'm going to need to rely on my credit don't let these two ruin me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: EQUIFAX, INC.
State: MO
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:
Equifax XXXX XXXX XXXX XXXX should not be reporting a collection/chargeoff in the amount of {$890.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was sold to XXXX on XXXX and therefore should be reporting a {$0.00} balance. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item should be removed. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: HYUNDAI CAPITAL AMERICA
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: Account status incorrect

Complaint:
In XX/XX/2018 I completed a lease on a XXXX vehicle for the full term of the lease of 36 months. Each payment was made on time and the lease was reported in XX/XX/2018 with no balance and paid as agreed. I received a bill in XX/XX/2018 for XXXX which was money owed on the car for excess mileage, and lease disposal fee. In XX/XX/2018 XXXX XXXX reports the lease with a balance of XXXX and pays as agreed. Then on XX/XX/2018 Hyundai reports the lease as 31-60 days late. How can this go from XXXX to XXXX is paid on XX/XX/XXXX, and then is reported on XX/XX/XXXX as 31-60 days late. Also I have had leases in the past with Hyundai and the reporting of the lease has always been for the payment terms, not the end of lease charges. The end of lease charges have been paid as the document attached shows. This is not fair to a good customer who has always made their payments on the lease on time. 
This is not correct the terms of the lease for 36 months were paid on time. I paid the XXXX on XX/XX/2018. I check my credit bureau on XX/XX/XXXX to show the reporting on this account with Hyundai is now showing pays 31-60 days late with a balance of XXXX. This is not correct the account should show paid as agreed with a XXXX  balance. I have always paid this account on time with the payments over the 36 month term. An end of lease charge should not be rated, and the balance has been paid. 
I appreciate your help in getting this credit bureau reporting corrected to show the account as paid in full, and pays as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: ALLY FINANCIAL INC.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hi, As of XXXX. XXXX, XXXX, my auto loan with Ally Auto Finance was paid off. I refinanced the loan with XXXX XXXX and they paid them. 

It has now been a month and a half, and the loan is still being shown as open on my credit report. 

Essentially, my report shows that I have 2 loans. 

I emailed Ally auto last week requesting that they close the loan with the credit bureaus and I received no response and no change in my 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 explanation
Consumer complaint received 2022-03-21
Company: EQUIFAX, INC.
State: MI
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 am the original creditor and natural person i never ga e these companies written consent to furnish my consumer report. they did it without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-08-12
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:
In accordance with the Fair Credit Reporting Act 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 an account wothout 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 2023-01-20
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I CALLED NAVY FEDERAL YESTERDAY ON XXXX BECAUSE I WAS TOLD TO REACH BACK OUT TO THE FRAUD/CHARGE OFFS DEPARTMENT WHEN I CALLED OVER THE HOLIDAY WEEKEND. THE REPRESENTATIVE WHO I SPOKE WITH WAS VERY HELPFUL AND I WAS TOLD THAT THE REPRESENTATIVE THAT ORIGINALLY FILED MY DISPUTES, SUBMITTED THEM WRONG AND SHOULD'VE BEEN SUBMITTED AS FRAUD AS THERE WERE FRAUDULENT CHARGES ON MY ACCOUNT. I WAS TOLD THAT I NEEDED TO FILE A NEW FTC REPORT FOR MY IDENTITY THEFT AND FRAUDULENT CHARGES. NAVY FEDERAL CLOSED MY ACCOUNT IN XXXX AFTER REVERSING MY CREDITS WHEN THE CREDITS SHOULDN'T HAVE BEEN REVERSED AS I DID NOT RECIVE ANY PRODUCT OR SERVICES FROM INSTACOINS AFTER XXXX OF XXXX AND DID NOT AUTHORIZE THESE CARGES. PLEASE SEE ATTACHED FILES

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: U.S. Auto Credit Corporation
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear US Auto Credit, I am writing to express my concern regarding the late payment charges that have been applied to my account. I have noticed that I am being billed a late payment almost every two weeks, and I would like an explanation as to why this is happening. 
Furthermore, I have reviewed my statement and noticed that the total late payment charge is only {$52.00}. However, in my own calculations, I believe that I have incurred over $ XXXX worth of late payment charges. I would like an explanation as to why there is such a discrepancy in the amount charged. 
Additionally, I have noticed that the statement covers a date range from XX/XX/XXXX to XX/XX/XXXX. I would like to understand why this range is so extensive and if there are any updated bills that have been sent since that time. 
Furthermore, I have noticed that each biweekly late payment is vastly different from the other. I demand a detailed explanation of each late payment and the charges associated with them. I would like to receive this information in writing. 
I am very concerned about the charges being applied to my account, and I demand a full and detailed explanation as to why these charges are being applied. I expect a prompt response from you on this matter. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX THIS IS AN ATTEMPT TO DISPUTE A BILL

Company response to consumer: Closed with explanation