BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I'm trying to find out what was said by BOA unable to place use new password for info It is obvious that BOA has been using " Man In The Middle '' tactics and again unable to read response from BOA they need to send me there response by mail please I'm going to FDIC.Gov and again " Man In The Middle tactics are being used '' .I 'm trying to file with FDIC.gov but XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX intercepting by using a MISI fake tower XXXX XXXX XXXX XXXX  XXXX Ca XXXX : please I need your help unable to place token keeps popping up three new tokens when I only pressed 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 explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Recently, I did an investigation on my credit report which coused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance to the fair credit reporting act .the list of accounts below has violated my federal protected consumer rights to privacy and confidential under 15 USC 1681 XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have rights to privacy 15 U.S.C 1681 section 604 A section 2 : also sticks, a consumer reporting agency can not furnace an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no, consumer reporting agency may make any consumer reports containing any of the following items of information and other adverse item of information, other than records of convictions of crime which antedate the report by more then seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2020-06-11
Company: WELLS FARGO & COMPANY
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Received a bill on XX/XX/2020 from Wells Fargo Auto claiming I owed {$72.00} in late charge fees on my auto loan in which i paid off on XX/XX/2020. Upon calling the company, a representative told me that the {$72.00} are late charges over the course of the loan. This was confirmed by an escalation specialist that I spoke to as well. 
The issue is that they explained to me that when I have made a late payment that the additional amount paid was applied to the principal balance rather than the late charges accrued. I explained that doing so was deceptive as the total amount due showed the normal payment amount and late charges. There is no additional box to click or put in a number to specify that you want it to go to late charges. Both representatives told me that I would have to call and tell a representative that I wanted to pay my late charges. I asked why no previous representative or bills stated that I had unpaid late charges and they said that information is not disclosed unless you call and specifically ask. 
Not only is this deceptive, but their methods of applying the payment go against what is stated in the legal documents that I signed. According to the legal documents, payment is applied to interest first, principal payment owed, accrued fees ( examples include late charges and NSF fees ), and then additional principal balance. What both representatives told me is that it's applied to interest, principal payment owed, principal balance then late charges are collected at the end of the loan. 
I am not denying that either way, I would owe the {$72.00} but I was deceived throughout my loan by the fees owed not being disclosed to me through monthly billing on paper and online nor through speaking with company representatives. This then caused me to payoff my loan only to find out later that I owed additional amount as the late charges hadn't been disclosed, even at the time of requesting a payoff.

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 2019-08-23
Company: EQUIFAX, INC.
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 went look at my credit and there are still somethings on there that are not mine. I'm trying to get back in school and this is really holding me up. I saw on some billboard in my building from this attorney guy that you guys can help finally resolve this. Im doing this on my own behalf and I have contacted the police and FTC. XXXX/XXXX XXXX. XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX and there is another account as well that does not have a name. The account- # XXXX. There are also some inquiries that are not mine XXXX, XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX applied for a Chase Credit card online. We were approved and received an email stating we would receive our cards in 5 to 10 days with a credit limit of {$700.00}. We have great credit score but wanted to do a balance transfer. After 10 days we did not receive our cards but did receive an email stating if we made a {$4100.00} purchase, Since we didn't received our credit cards nor made any purchases. I called chase fraud department right away. I stood on the phone for XXXX XXXX to find out what was going on. I was told that we made a purchase of {$4100.00} dollars, I told them that we have never received the cards. Chase stated that they were mailed to XXXX XXXX XXXX XXXX # XXXX, XXXX. I told them why would they mail them to our old address since we lived at XXXX XXXX XXXX XXXX Az XXXX since XX/XX/XXXX and that we changed all our addressed before we moved out and when I filled out the application I put our new address so why did they mail them out to our old address. They apologize and said that they will send out new cards to our new address right away. On XX/XX/XXXX we received the new cards so I wanted to do a transfer but the rep XXXX from Chase accused me of stealing {$4100.00} from them. I was really upset and told him that his departments mailed them to our old address and that when I filled the application I typed in our new address and if they look at my chase account they will see that I made the changes with our Banks, all our creditors, and Post Office and that when I applied on the application I put our new address so why would they mail it to the old address, and why were they accusing me of fraud. I have great credit, because I care about my credit, I even called the same day that I received a text message that there was a {$4100.00} charge on my credit card that I never received. I called them back today XX/XX/XXXX and his name was XXXX who accuse me of fraud WHAT!!! I told him how dare him accusing me of fraud when I never received the cards at my new address and that the mistake was from their Company who mailed them out to the wrong address. 
I want this resolved, XXXX then hung up on me. 
I just want chase to get this resolved, We never received the credit cards and when we did receive the text message about a {$4100.00} charge we called them rights away. 

I want this to be resolved right away and I do not want their credit card after. I have 2 bank accounts with them for the last 10 years and never had any issues so we decided to apply for a credit card so we could do a balance transfer. Now I want to take my money out of my accounts because of how i was accused by XXXX of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EdFinancial Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
ED Financial XXXX account number Ed Financial has not update the credit bureau 's since XX/XX/. 
I've tried contacting with no success.

Company response to consumer: Untimely response
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : 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 non-monetary relief
Consumer complaint received 2018-04-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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:
Portfolio Recovery Associates is falsely reporting to the Credit Reporting Agencies as a Factoring Company, which is a violation to FCRA because they are actually debt collectors. A " factor '' is one who buys corporate receivables at a discount - not a debt buyer dealing in uncollected bad debt. 

In addition to PRA reporting to the Credit Reporting Agencies as a Factoring Company, PRA is also reporting other inaccurate information to the credit bureaus as described below. ( See attachments as proof ) I have filed disputes with all 3 credit reporting agencies, and I have attempted to contact PRA for removal to no avail. I have also filed a complaint with the XXXX XXXX XXXX without success. 

1. My XXXX  credit report is still listing Portfolio Recovery Associates as a Factoring Data Account Type as of XX/XX/18. This is deception, as I never opened a data factoring account with PRA. Collection accounts are not data factoring accounts. 

2. Portfolio Recovery Associates is reporting as a One Month Term on my XXXX credit report from XX/XX/18. I never signed an agreement with PRA as to terms or as to when the debt collector purchased the debt. 

3. The date opened is inaccurate and doesnt even match on the 3 credit reports. PRA is reporting inaccurate data on my credit reports as of XX/XX/18. 

4. The date of first delinquency with the original creditor is not reporting and according to the FCRA, Section 623, A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: TX
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:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : DPT EDXXXX XXXX Balance Owed : {$3700.00} ; XXXX XXXX  XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
Hello I have tried Numerous of times to dispute XXXX XXXX XXXX accounts thats are closed. They appear on all credit bureaus. Ive settled with with XXXX XXXX months ago. XXXX fXXXXXXXXl state its company policy that they dont furnish deletion letter for credit removal instead they send a letter stating the transaction has been settled. This closed account have be a very big strain on my family and I. It has prevented me from trying to help my family and I through these inserts in times in the world. This is very unfair Ive work tremendously hard with XXXX XXXX my other creditors to fix the issue. I have had a late payment on any account in 6 years and this is hurting me really bad. Please have these removed from my credit report. What cause my credit issue was a car accident where I lost everything and I couldnt pay for anything at that time and ended being XXXX I have then healed and gotten well and Im just trying to better my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : DPT ED/XXXX XXXX Balance Owed : {$3700.00} ; XXXX XXXX  XXXX Balance Owed : {$1200.00} ; XXXX XXXX  XXXX Balance Owed : {$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 non-monetary relief
Consumer complaint received 2019-08-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I deposited a check that was an employment fraud, the company from where the check came from had their bank and detective alert all banks nationwide corporate to small banks to turn the check away and not deposit the money and call authorities. Wells Fargo is refusing to dispute it or refund me the money, the branch I went to is also refusing knowing there was an alert and not to deposit the check and call authorities. I am at negative XXXX balance which they say I have to pay, I do not agree when they should have worked more diligently and caught it was a scam before I was turned into the victim. they should have seen the alert or read it before even depositing the check which they never should have done. I was told by the detective and the company name on the check and their bank, Wells Fargo received that alert and they should dispute it and refund me immediately, which Wells Fargo again is refusing to do so.

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 2023-09-20
Company: Capital Link Management, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Received a text message stating Hello, XXXX, XXXX, XXXX XXXX needs a statement on behalf of you or your legal representative. Please Call XXXX using claim # XXXX,. Thank You XXXX  If you wish to no longer receive text messages, please reply STOP. Upon searching XXXX it appears to be a debt collection company called Capital Link Management. Verified phone number on website. They have also been calling me and leaving voicemails stating This message is in regards to a legally required notice we need to speak with you immediately to confirm location information please press one to speak with a representative. They are asking for my location and this concerns me. I have attached a photo of the text message which doesnt state they are a debt collector and the voicemail they continuously leave me when they call.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-28
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
For MANY YEARS we have been borrowing $ & PAYING IT OFF ON TIME OR EARLY, MOSTLY WITH CREDIT CARDS ... OUR CREDIT SCORE SCORE WAS, UNTIL RECENTLY XXXX .... & WE HAD A REVERSE MORTGAGE ON OUR {$240000.00} HOME & LAND..SINCE XXXX. WE'VE HAD GREAT CREDIT WITH SEVERAL CREDIT CARDS FOR YEARS ... THEY CONSTANTLY MAIL US OFFERS OF " 0 PERCENT " SHORT TERM LOANS e.g. {$4000.00} for 12 months + very small UPFRONT FEE, like 3-4 %... SO WE WOULD PAYBACK FEE $ 120-160 & {$4000.00} = {$4100.00} TOTAL FOR YEARS! IT IS LIKE FREE FREE LOANS!!! SOMETIMES WE TAKE ADVANTAGE OF THIS TO BUILD UP OUR RENTAL HOUSE BUSINESS..OUR CREDIT CARD COMPANIES NEVER EVER COMPLAINED! NOW, THIS YEAR XXXX WE ARE TRYING TO GET A CONVENTIONAL HOME LOAN $ XXXX TO PAY OFF THE REVERSE MORTGAGE! WE GROSS ABOUT {$33000.00} A YEAR. EVERY LOAN APPLICATION HAS BEEN TURNED DOWN BY SEVERAL LENDERS, BASED ON OUT CREDIT REPORTS ..WHICH ARE LOADED WITH ERRORS!!! WE ONLY HAVE 2 CREDIT CARDS & WE ONLY ONLY USE ONE! WE CLOSED ALL THE OTHER ACCOUNTS EARLIER THIS YEAR! THEY SAY ALL KINDS OF LIES ABOUT ON OUR CREDIT REPORTS!!!! " INSUFFICIENT LIQUID ASSETS ... .DEBT TO INCOME RATIO ... .LACK OF RECENT INSTALLMENT INFORMATION ... .TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED ... .TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT... .RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS TOO HIGH ... XXXX XXXX XXXX XXXX ... IVE BEEN IN HOME CONSTRUCTION FOR MANY YEARS!!! I BUILT MY XXXX XXXX XXXXXXXX ON MY XXXX ACRES IN ABOUT XXXX ....! MY ELECTRIC BILL IS {$20.00} A MONTH, YEAR ROUND, FOR MANY YEARS & I HAVE ALL THE ELECTRIC BILLS TO PROVE IT!!! & MUCH MORE! THANK YOU FOR HELPING US!!! WE ARE TRUE PATRIOTIC AMERICANS!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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