BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-30
Company: Block, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I wanted to report the company Afterpay. Theyre unfairly charging me for a purchase I returned on XX/XX/2022 at XXXX, the merchant was XXXX XXXX I purchased a bird cage and returned it on the date mentioned above, they never acknowledged that I returned it and they even got refunded for it, and they unfairly sent me to collections for this. They mention that the refund went to a XXXX card that supposedly have, and I want to clarify that I just owe one XXXX card and does NOT end in the number theyre telling me. They create virtual cards for you to shop and that was the card that it was refunded to. The refund goes straight to the card that the item was purchased with, and if I wouldnt have purchased it though XXXX, they obviously wouldnt have records of it. 
Here Ill attach pictures of the emails they have been sending me as well of the receipt with the return proof.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-16
Company: Experian Information Solutions 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:
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. 

Account name : XXXX Account numberXXXX Account name : XXXX Account numberXXXX Account name : XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX  Account number:XXXX  has violated my rights. Or list of inquiries 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 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 2023-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Changes in loan terms during or after closing

Complaint:
Dear CFPB, I am refiling this complaint I filed XX/XX/XXXX under number XXXX but was closed with the claim that it was the same complaint ( # XXXX ) filed in XX/XX/XXXX. The XX/XX/XXXX complaint was about the XXXX position - the new complaint ( see below ) is very different and is requesting the complete finances for the mortgage starting in XXXX and the associated mortgage paperwork for when Merrill Lynch assumed the loan and then when Bank of America re-assumed the mortgage on XX/XX/XXXX from Merrill Lynch. Please review and ask the Bank of America to provide the requested paperwork : I just received correspondence from the Bank of America regarding a mortgage ( Acct # XXXX ) for XXXX XXXX XXXX XXXX XXXX, Michigan which documented that XXXX XXXX ( Acct # XXXX ) refinanced the original XX/XX/XXXX Bank of America mortgage ( Acct # XXXX ) sometime during XXXX. Following, the Merrill Lynch mortgage was then transferred back to the Bank of America on XX/XX/XXXX ( documentation attached ). 
. 
According to the XXXX XXXX XXXX of Deeds, Bank of America did not file the mortgage discharge paperwork when Merrill Lynch refinanced the mortgage in XXXX and never filed an amendment when it took over the Merrill Lynch mortgage XXXX XX/XX/XXXX, XXXX instead the XXXX XXXX XXXX XXXX XXXX only records the original Bank of America XX/XX/XXXX mortgage and discharge of the same mortgage on XX/XX/XXXX ( XXXX XXXX XXXX of Deeds documentation attached ). 
. 
Please have the Bank of America send me a discharge of the of XXXX mortgage corresponding to when the XXXX Merrill Lynch XXXX XXXX as well as the modification when the Merrill Lynch mortgage XXXX transferred to the Bank of America XXXX XX/XX/XXXX as well as filing the required documents with the XXXX XXXX XXXX XXXX Deeds. Also, please have Bank of America send me a copy of all the financials associated with the original XXXX mortgage XXXX Bank of America only sent me XX/XX/XXXX- XX/XX/XXXX financials from the new transferred mortgage ). 

Thank you, 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 2023-06-16
Company: Experian Information Solutions Inc.
State: MD
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:
Hello on XX/XX/2023 I sent out letter to credit bureaus to " INVESTIGATE EVERY PIECE OF INFORMATION '' on my accounts I have listed below. Also I have attached the letters I sent out and also here is the tracking number : XXXX # XXXX Experian # XXXX XXXX # XXXX According to the FRCA the Term " INVESTIGATIVE CONSUMER REPORT '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted with or who may have knowledge concerning any such items of information.

They have stated my accounts was " VERIFIED '' but how is this possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % ACCURATE. And according to the FRCA 15 USC 1681 everything has to be 100 % ACCURATE. Also I have the credit report showing these inaccuracies. 

List of Accounts XXXX 1.XXXX XXXX Account Number : XXXX 2.XXXX XXXX Account Number : XXXX 3. XXXX XXXX Account Number:XXXX  Experian 1.XXXX XXXXXXXX Account Number : XXXX 2.XXXX XXXX Account Number : XXXX 3.XXXX XXXX Account Number : XXXX XXXX 1.XXXX XXXX Account Number : XXXX 2.XXXX XXXX Account Number : 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 2021-09-29
Company: EQUIFAX, 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 status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 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 Equifax was XX/XX/XXXX, 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 following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I Sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter I sent out, and here is the Tracking #. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts is still not reporting 100 % Accuracy. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. Below are the accounts that were assumed to be verified, but have not been. I am asking that all accounts be removed these accounts are reporting inaccurately, improperly, and fraudulently. These credit bureaus are breaking the laws created by the FCRA as well as violating my consumer rights and that will not be tolerated. Listed below are the accounts I expect to be removed. 

Account Name : XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XX/XX/XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX/Dofed- XX/XX/XXXX Account Name : XXXX/Dofed-02/2022 Account Name : XXXX XX/XX/XXXX Account Name : XXXX XX/XX/XXXX Account Name : XXXX XXXX XX/XX/XXXX Account Name : XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Account Name : XXXX These accounts were opened fraudulently. I am a victim of identity theft.

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 2023-01-04
Company: EQUIFAX, 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 status incorrect

Complaint:
My Equifax Credit Report has not been updated with accurate information for my XXXX XXXX  credit card. The last update to my account information was on XX/XX/XXXX, to reflect my XX/XX/XXXX statement. I have contacted XXXX XXXX 3 times. Each person was unable to assist or pinpoint the root cause of the issue. The person I spoke with on XX/XX/XXXX told me that it might be due to the conversion -- the conversion of XXXX XXXX  credit card from XXXX to XXXX that occurred over the course of XXXX. XXXX XXXX  does not have customer service that are available to address back office issues such as credit reporting. 

This is causing harm to my personal situation. I am a returning, non-traditional college student and have been denied private student loans due to the outdated credit information on my credit report. In addition, I have noticed that Equifax credit reports that are pulled by creditors are never current. They are often 60 days or older.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: AMCOL Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX AMCOL SYSTEMS INC told me I owe {$45.00} than another rep told me I only owe {$10.00} of the account that was originally {$45.00}. So I paid the account in full and it was closed. 

On XX/XX/XXXX I called AMCOL SYSTEMS INC an was told I owe a total of {$180.00} on one account. On XX/XX/XXXX I called back an paid {$82.00} and stated a payment plan. The payment plan was {$20.00} that would equal {$100.00} and was to be bi-weekly tel paid in full. 

The out come was that all three account were closed and reported as closed to all credit bureau. 

On XX/XX/XXXX I requested a free credit report from all three bureau. I notice that AMCOL SYSTEMS INC reported all three accounts paid/closed to XXXX and than reported the incorrect information to XXXX. 

I have been trying to fix this problem withAMCOL SYSTEMS INC and to have the account corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: TX
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:
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.

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 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 2023-06-02
Company: EQUIFAX, INC.
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: Information belongs to someone else

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 XXXX XXXX XXXX. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 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 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 2023-05-31
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: Their investigation did not fix an error on your report

Complaint:
I'm extremely frustrated with the student loan accounts that are being reported on my credit. These accounts were opened at a time when I wasn't attending school, yet the bureaus continue to ignore the inaccuracies I've pointed out. I've tried twice to get the bureaus to investigate the legitimacy of the accounts. The first investigation stated that the accounts were " verified and paid as agreed, '' despite me never making a payment towards them. The second investigation by Experian was opened on XX/XX/XXXX at XXXX PM, but the results were ready by XX/XX/XXXX at XXXX XXXX, which is completely unacceptable for a second dispute. I'm still waiting to hear back from XXXX and XXXX, but I'm not hopeful they'll do any better. It's outrageous that the bureaus have my actual student loans reported as paid off and closed, yet these other accounts are showing up as mine. These accounts have several inaccuracies, including the dates they were opened and the loan term, which was only for XXXX month. The creditor contact information is also different for each bureau. I attended no universities in XXXX, so I have no idea how these accounts were opened. I've included a copy of my second dispute to Experian, which is the same for each bureau. This needs to be resolved ASAP.

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 2023-01-04
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On XX/XX/2020, Ally Financial repossessed my vehicle. I didn't consent to any paper work for them to resale my vehicle, because initially I wanted to pay to get the vehicle back. The car was then resold without my consent and there was a remaining balance of {$41000.00} left for me to pay. By law, I was supposed to receive a bill of sale or some kind of documentation stating what the car was sold for. I haven't received anything from Ally Financial. They also falsely reported late payments onto my credit. 

I have reached out to the company to resolve this, but they haven't gotten back to me. 

I am asking Ally Financial to delete the entire profile due to false reporting and failure to provide the 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 2023-02-23
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have fraudulent accounts that were opened in my name as aresult of the data breach and I have reach settlement with the credit bureau regarding this. This has been reported to the XXXX on XXXX to XXXX XXXX XXXX badge # XXXX and filed under case # XXXX after I was made aware of these accounts by looking at my credit reports. This has been reported to all involved parties but the accounts are still reflecting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: JPMORGAN CHASE & CO.
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hi, I booked tickets to see XXXX XXXX in XXXX XXXX through XXXX XXXX for XXXX on XX/XX/2021. The tickets were bought in advance, but occured on the week of the hurricane in XXXX. I tried to contact the vendor to no avail, but decided to submit a dispute on my Chase Sapphire Card. The dispute came back as " valid '' and a Chase representative told me that " all sales are final. '' This means that, if you have a Chase card, it is your responsibility to predict natural disasters like COVID-19 and Hurricanes. There is no recourse, but my complaint is that it is unfair to make customers pay for things that they can not use which is the crux of the issue. As a former employee of XXXX, I am disappointed in that response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: U.S. BANCORP
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, I requested a credit limit increase online for my Fidelity credit card ending in XXXX. A few days later, I noticed that my credit score had decreased by XXXX points. Today I called Elan by phone and learned the following : 1. My request was denied because a credit file was locked. They refused to say which bureau or even which person. They advised me to check all six. 
2. Even though I am the primary cardholder, an attempt was made to pull my wife 's credit reports as well. Her credit scores also suffered severely. 
3. No notification was given to me by phone, email, or text message about this issue.

4. All inquiries made were " hard '' pulls, even though a soft inquiry would have yielded the needed information.

5. When I asked for a copy of the disclosure where I was supposedly informed that a hard pull would be performed, I was denied.

6. When I asked for a copy of the consent where I supposedly gave permission for a hard pull to be performed, I was denied.

7. If I choose to reapply for the credit limit increase, additional hard inquiries will be performed against my, and my wife 's, credit reports, even the the one that were not locked. This would cause further damage to my credit scores.

8. Five days later, I am still waiting for the official denial to arrive by snail-mail.

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 2023-06-16
Company: Experian Information Solutions Inc.
State: WI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account name : FRONTIER AU Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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.

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