BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
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 not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested. I also asked the company if they were even licensed to collect in the state of Michigan, they refused to answer. I have never done business of any kind with this creditor, this account is a violation of my consumer protection rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: WELLS FARGO & COMPANY
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:
It is very upsetting that wells fargo took a credit card application from me and then claimed they could not verify my identification number. 
This is a lie! 
I put in my social security number and have plenty of credit. 
They need to approve this application and stop this inaccurate reason to bait and switch on me to see my credit and have a reason to SELL my information. 
None of my information will be sold ~ I started receiving solicitor calls and emails after this application. This is very shady.

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 2021-01-28
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
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:
I have contacted Credit Acceptance various times to notify them that their inaccurate reporting is making it strenuous on credit reporting agencies to follow there duty of reporting accurate information on consumer credit files but being that the alleged creditor is responsible for submitting the correct information in metro 2 format so that the credit agencies have the same information to work from. The account balance and past due balance is wrong on XXXX and XXXX causing my debt to credit ratio to negatively effect my credit score.on XXXX this alleged account shows {$0.00} received payment but shows an alleged last payment date and the account being paid in full I attached a recent dispute I wrote but to Credit acceptance about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: KEYCORP
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX Bank, which is now owned by Key Bank is the problem. I opened a new online only checking account with them in XX/XX/2022. I had my often daily deposits going into the account from the company I am affiliated with and would transfer money out once or twice a week to another of my bank accounts that was an interest bearing account. On XX/XX/2022, XXXX XXXX shut down my access to my account and said it was " restricted '' due to " suspicious activity, '' This was done with XXXX warning or communication... no text, no email, no call, no direct message and no letter ( although I finally received the letter dated XX/XX/XXXX on the XXXX. ) The letter stated problems with restricted accounts are " generally resolved within 10 business days '' ... well that is clearly not the case. Today is the XXXX, 19 days after this situation began, and that includes more than ten business days. No one I talk to at the bank has given me any pertinent information than what is already apparent. No one has reached out, despite being promised a call from a manager. Whoever i spoke to had little or nothing to say to help with what is going on. They are literally holding several XXXX dollars of my income XXXX, yet I am being treated as a criminal!! I want to shut down this account and get my money back and having nothing more to do with this account. I am also tempted to take legal action against them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
I have already filed a complaint about Bank of America opening an escrow account without my consent over a missed real estate tax payment. I have already paid the missed real estate taxes plus an additional {$6000.00}. My mortgage payments have more than doubled and I need help paying these excessive fees. I can pay my former mortgage payment of {$930.00} per month but not the {$2100.00} per month they are now charging me. I would like some guidance about returning to my previous mortgage amount per month. Please advice. Bank of America sent a list of all payment amounts and dates to me through the mail but has provided no assistance or guidance about how to equitably resolve the situation. 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 explanation
Consumer complaint received 2023-08-17
Company: Regional Management Corporation
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A charge-off means a lender or creditor has written the account off as a loss, and the account is closed to future charges. 
This account is closed yet accumulated interest daily since the closed date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 2023-05-06
Company: Arivo Acceptance, LLC
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've never in my life purchased a vehicle much less co-signed for one. How could I co sign on something with no credit line at all. I never did this and I've contacted and asked to company to remove me from the account that i have no idea about. I went to check my medical bills one day, and I see a debt of {$40000.00}. My mind was blown so I've disputed it 3 times now and I continue to get denied. The only thing left to do is file identity theft but I'd rather not go through that, and just ask that the company remove me from whatever joint account I've been connected to without my permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
found out someone was using my ssn to open a XXXX XXXX XXXX XXXX  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 2023-08-17
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
We have received several phone calls from different " debt collection companies '' regarding a credit card debt from the early XXXX where we are told that I will be served a summons to appear in court regarding the debt, most recent was today XX/XX/23 from XXXX XXXX XXXX debt collection. I let them know that I am unemployed and live with my daughter and have no income outside of my Social Security. When I let them know that I knew this was a scam, the guy got belligerent and said that they would just sue. I told him we knew this was a scam and then I hung up. The number I called from is XXXX. They gave me a case number of XXXX. I know this is a scam because a couple of months ago, I was contacted by another company stating the same thing. When I found the company online, I called the number and spoke to the owner. He told me that he has been getting calls from ppl using his company name fraudulently. That company was XXXX debt collection. They said the same thing and then when I called back to let them know I knew it was a scam and that I had reported them to the FTC, the calls stopped until this most recent call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX and XX/XX/XXXX my Chime saving and checking account was hacked. Two payments in the amounts of XXXX and XXXX were withdrawn out of my account. I contacted Chime immediately and they advised me on how to process a claim over the phone, the funds where back in my account with few hours. Chime closed my checking, savings account and my visa card a week later. There was no calls warning or update that i wouldn't have access to my checking or saving account which totaling XXXX! I recently changed my direct deposit from my employer to Chime from XXXX bank. I was XXXX XXXX  to find out the day after my direct deposit was finalized that Chime closed both of my accounts and deactivated my bank card. I have NO access to my money in myChime. I can not speak physically to a person they tell me to email and wait 24 hours for a response. THAT IS ABSOLUATELY UNBELIEVEABLE! Chime is an online banking establishment there is no physical location to go into a branch and you cant even speak to a person on the phone after your account is deactivated! Your money, your paycheck, your livelihood! The only option is to email customer service. I emailed customer service. In the email they state the process of closing an account. That for privacy terms they can not explain over the phone what is happening with my account and that the funds in my account would on hold for 15 days! After that my money would be mailed to me by check and could take up to 45 days! I have the emailed all saved. I had to email several times after waiting to get an update on the tracking number or status of my account. This is unacceptable behavior to be treated this way with no answers as to what is going on with my money! I get the check in the mail finally, and at this point I to open a new account at XXXX XXXX. I deposit the check mailed to me from chime, XXXX XXXX placed and additional hold on the check deposited from chime. XXXX XXXX  XXXX fraud dept returned the check and stated it was Fraudulent! Meanwhile I received another check from Chime that was overnighted for the exact same amount. I spoke to a teller at XXXX XXXX  who stated the check looked unusual she remembered when I deposited the check. She asked if the Chime was spelled correctly I advised the check i have is spelled XXXX REFUND. Now XXXX XXXX  has closed the new account I opened and it is showing XXXX and they Fraud dept stated I deposited a fraudulent check when I am the Victim! My Credit score which was on the raise is now plummeting! My saving and checking funds totaling XXXX are still being HELD BY CHIME! I am trying to find a place to live for my daughter and I and this is so stressful I have NO MONEY TO MY NAME TO FEED MY DAUGTHER OR MY SELF! PLEASE HELP ME GET MY LIFE BACK!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: TD BANK US HOLDING COMPANY
State: CA
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:
Some time in XXXX I place a call to Target credit card. I ask the the Target Rep if I can skip a payment for XXXX due to the Covid 19. The Target Rep said she could help me with my situation. Then in XXXX I went online and paid my Target Account in full and thought nothing of it, until I went on my XXXX account and notice my credit score drop by 62 points. As it happen Target report me late on my payment and I was penalized for it. I call Target again and I talk to a Rep named XXXX I explained to her what had happened and she explain to me that she showed no records of me calling. We discussed my situation for a while and she said there was nothing she could do for me. So Im stuck with a negative credit report. Unfair

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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 was notified by XXXX that a hard inquiry hit my credit score immediately followed by a decrees in my credit score. I logged in and noticed that there was a Hard Inquiry from Bank of America. I happen to be a customer of this institution so I called their fraud department and notified them that this is fraudulent and to NOT approve the application. They informed me that someone applied for credit for XXXX XXXX and a cruise line. I have notified XXXX that this is fraudulent and that I want the inquiry removed and they advised me to notify and report this to the FTC. I have not applied for any credit or loans of any sort nor have I had any previous issues regarding ID theft. I do want to prosecute if these culprits are caught. 

Contacted : Bank of America Fraud Department on XXXX Contacted : XXXX Dispute Department on XXXX Inquiry Date : XXXX Type Bank Credit Cards- Phone XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX TX 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 2023-10-30
Company: Experian Information Solutions Inc.
State: NY
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2018-12-26
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I want to make a complaint regarding a XXXX XXXX XXXX credit card associated with XXXX XXXX. 

In XXXX, they offered me the credit card mentioned before, without clarifying that I had a charge for late payment of the same amount consumed. 

In XXXX I make a purchase of {$19.00} that should be paid in XX/XX/05, that day I forget to pay the card and I remembered it 3 days later, I log into my account and I had that balance of {$19.00} for which I made the payment. 

After that, did not make more purchases with that credit card. One month later, on XX/XX/XXXX, I received an email with a balance to be paid of {$41.00}, what surprisingly corresponds to the " late fee '' of the XXXX payment ( which never appeared in the account when paying my balance ) and another " late fee '' of the following month for not having paid the late fee of the previous month. 

When they gave me knowledge of that, I automatically asked to close the account, because it is absolutely unfair that they keep adding late fees of the same amount that was consumed or not paid and also I did not want them to keep adding late fees of a card that I do not use. 

It turned out that despite having closed the account, I still get late fees for something I was never notified. 


1- I never got any statement that had late fees until XX/XX/XXXX, or one and a half months later ( In addition, in my case, since I had not made more purchases with that card, I did not log in the account to verify expenses and balances ) 2- According to XXXX XXXX  the late fee automatically appear in the account the next day of not having paid, so then, why it did not appear in the account when I log in to pay it three days later, in that case I would have never let that much time went by, and would have paid it at that moment. 

3- Which is the reason for not being notify during two months of the account balance and now I keep receiving mails and phone calls with debts that do not stop increasing only for 3 days of delay, I insist, I never received notifications about it and also when I log in to pay it did not include the charge for late payment ( then how could I know what I should paid if it was not included in the account ). 

Please, I consider it is very unfair to pay a debt for something that XXXX XXXX XXXX or the bank does not communicate in due course.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and the criminals tampered with a new car loan that I started with XXXX XXXX  in XX/XX/2018 by stealing my mail and other documents that were set up between XXXX XXXX the car dealership where I purchased the vehicle from. Also, he or she called into XXXX XXXX  and changed personal information of mine such as my mailing address associated to my auto loan. 
In addition to the identity theft crime ; checks that were placed in my mailbox were stolen from my outbound route and were cashed from an unknown third party which the back is investigating and has credited me the funds. In result to that, I have received 30-59 Days Late days late on my credit profile for XX/XX/2018 and XX/XX/2018. 
I've contacted XXXX XXXX  via phone and certified mail providing my explanation of the identity theft, XXXX XXXX Police report, United States Postal Police Identity Theft Report, and FTC report about this matter and was instructed there is no way to fix the inaccurate information that was reported to the Credit Bureaus

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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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