BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-29
Company: 1ST CHOICE LOANS, LLC.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XXXX  the manager of 1st Choice Loans in XXXX XXXX, XXXX XXXX, used his personal cell phone to contact my place of employment on a business related matter. When i answered the phone and identified my company and myself he then hung up on me. I called the office number to 1st Choice Loans. XXXX XXXX answered the phone announcing himself. I told him who I was and asked if I could assist him with anything only for him to rudely disconnect the call without saying anything in reply. I have previously advised XXXX XXXX and his assistant to not contact my employer anymore... this is the 2nd attempted contact from XXXX XXXX since being instructed to not call my employer. This is not the first time he has used his personal cell phone to contact me to conduct business related to 1st choice loans. His actions are very rude and unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I spoke to a Chase representative on XX/XX/XXXX at the bank branch ( in XXXX area ) about a balance transfer interest charge ( {$10.00} ), that has occurred monthly in slightly varying amounts. He learned from the Chase AARP representative that the charge goes back to at least XX/XX/XXXX, and they would further investigate. 

Upon request, I received the XX/XX/XXXX statement ( most recent statement ) in paper form dated XX/XX/XXXX. I also received 2 letters ( attached ) from AARP Chase which do not clarify the situation. They mention amounts of {$100.00} and {$700.00}, that are NOT explained clearly. 

It seems to me that computer statements have lost some of the specificity of paper statements of the past. I can not imagine paying off a debt at {$10.00} monthly over the course of ten years. I would never have chosen such an option. I do not recall the original transaction. 

Attached are the responses to my inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
An account representative from Phoenix Financial services ( as ) organization contacted my wife on her cell phone ( without authorization XX/XX/2019 ) and threatened arrest at which point she paid. 

They had called me on my cell in XX/XX/XXXX at which point I requested that they send documentation in writing for me to review with their client and insurance company ( which I never received ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX I opened a credit card account with Bank of America with the promise of a {$300.00} credit reward if I spend {$3000.00} in the first XXXX On XX/XX/XXXX I called BOA to check the balance and was told an additional {$350.00} was needed to reach {$3000.00} On XX/XX/XXXX I added an additional {$210.00} XXXX XXXX and {$140.00} XXXX XXXX for a total of {$350.00} On XX/XX/XXXX I was refused the {$300.00} credit by Bank of America

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 2021-08-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
During Covid, I have been out of work. I am a XXXX  by trade, but I had XXXX kids at home with first no school and then two hours a day of school, plus one pre-kindergarten aged, so working wasnt an option. I was already in a balance liquidation program with Chase, with automatic deductions coming out of my checking ; but due to being out of work, I was forced to pause the automatic withdrawals in XX/XX/XXXX in order to make ends meet. I missed two payments in total between then and XX/XX/XXXX, but I thought I was back on track with repayment thanks to a new automatic withdrawal schedule. 

Then, in XX/XX/XXXX, my account was closed and I received a derogatory credit notation. When I called Chase, they said that I had been behind for several months - which I thought I took care of when I entered into the new repayment agreement. I THOUGHT that the account was brought current by doing that, but ACTUALLY, by pushing the payment out by FOUR MORE DAYS - which they TOLD ME I could do and was my original payment date for years - I put myself past due every month. If we had just made a one-time payment on that date, and then kept the XXXX  as my pay date, none of this would have happened - but instead, the person on the phone just moved ALL of my dates and didnt tell me the consequences ( and possibly didnt know them, which may be even worse ). 

I called Chase, and they moved my payment dates back to the 2nd, had me make an extra payment, and updated the status of my account to current with a partial repayment agreement. However, the account is still closed, and Im NOT in a partial repayment plan - Im paying EVERY XXXX  at a 12 % interest rate. I dont think they should be allowed to XXXX XXXX XXXX XXXX XXXX XXXX falsely report the repayment terms to the detriment of my credit ; Im TRYING to get back on track, and they are NOT being flexible in the face of these extraordinary times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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. 
XXXX ) Dept of EDXXXX - {$20000.00} XXXX ) XXXX XXXX XXXX$1000.00} XXXX ) XXXX - {$750.00} XXXX ) Dept of ED/XXXX XXXX {$24000.00} XXXX ) Dept of ED/XXXX  XXXX {$23000.00} XXXX ) Dept of EDXXXX - {$22000.00} XXXX ) Dept of EDXXXX - {$21000.00} XXXX ) Dept of EDXXXX - {$13000.00} XXXX ) Dept of EDXXXX - {$7500.00} XXXX ) Dept of ED/XXXX XXXX {$6600.00} XXXX ) Dept of EDXXXX - {$6100.00} XXXX XXXX Dept of EDXXXX - {$5000.00} XXXX ) Dept of EDXXXX - {$3500.00} XXXX ) Dept of EDXXXX - {$3200.00} XXXX ) Dept of ED/XXXX - {$3100.00} XXXX ) Dept of EDXXXX - {$2100.00} XXXX ) Dept of EDXXXX - {$2000.00} XXXX ) Dept of EDXXXX - {$1400.00} XXXX ) Dept of ED/XXXX - {$1100.00} XXXX ) Dept of EDXXXXV - {$1000.00} 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 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C, 1681 Section 604 A. Section 2. It also states that 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 reporting 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 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 2023-02-20
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute information in my credit report that is inaccurate and has been reported in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). I have discovered errors in my credit report that have negatively impacted my credit score, and I am requesting that these errors be corrected immediately. 

I have identified the following accounts that are reported inaccurately : XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX  XXXX charge off account OAG CHILD SU XXXX charge off account XXXXXXXX XXXXXXXX charge off account XXXX XXXX collection account XXXX  collection account XXXX XXXX collection account XXXX XXXX  XXXX charge off account XXXX XXXX charge off account XXXX XXXX XXXX XXXX XXXX XXXX charge off account XXXX XXXX XXXX XXXX XXXX XXXX charge off account XXXX XXXXXXXX XXXX XXXX account XXXX XXXX XXXX charge off account XXXX XXXX XXXX XXXX XXXX XXXXXXXX collection account XXXX XXXX  XXXX collection account XXXX XXXX XXXX XXXX XXXX XXXXXXXX collection account XXXX XXXX XXXX collection account XXXX XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXXXXXX XXXX XXXX XXXX A XXXX collection account XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXX collection account XXXX XXXX XXXX collection account XXXX XXXXXXXX charge off account XXXX XXXX XXXX XXXX off account XXXX XXXXXXXX  XXXX charge off account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: EQUIFAX, INC.
State: NY
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 has come to a different conclusion twice wrongly, without providing justification. 
I am only convinced that evidence has been ignored. The investigation report I have received shows only month of payment but not the actual date or day in the month of XXXX. This is however, inconsistent with how the other months have been presented. 

When the evidence is before you and you come to different conclusion, the process will no longer support the analysis. 

It only make sense that actual payment made on time be reflected on credit report. My balance for the billing cycle should be XXXX. 

Does class, race, ethnicity etc. play a role in investigation?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions 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:
if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "

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 2023-10-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

Company response to consumer: In progress
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update the suspicious information in my file, I think you have not validated these accounts in my credit report Please verify these accounts : 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 non-monetary relief
Consumer complaint received 2019-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TILA rescission has occurred on XX/XX/2017 and the encumbrance was eliminated and the debt was converted from one arising from a promissory note to one arising from a statute 15 use 1635. The debt then became subject to the statute of limitations for claims under TILA because the debt now arises under TILA. 
Since BANA has acknowledged in court and acquiesced to the TILA Rescission and the statute has run the debt is barred. Ignoring the TILA Rescission is warping the value of the bankruptcy estate as well as allowing secured status to unsecured creditors. 
The effect on the XXXX estate by virtue of 15 USC 1635 is that the original loan contract has been replaced by operation of law with a statutorily imposed new agreement, the terms of which are spelled out in the statute. 
This means that per the statute and REG Z, which must be read along with the statute, the note has been replaced by a new obligation and the mortgage has been eliminated by the express wording o f the statute " by operation o f law. '' The obligation to repay continues as an enforceable liability provided that the claimant satisfies the conditions precedent set forth in the statute, but that obligation is no longer secured for the express purposes o f allowing the borrower to seek new financing from which the obligation could be repaid. 

The parties claiming to be owners of the debt or claiming to be representatives o f the owner o f the debt failed to comply with their obligations under the new agreement. Hence any right to enforce the obligation became inchoate. That failure by the claimant was not in any way caused by the borrower. 
The obligation arises not from the original loan agreement anymore but from the statutorily imposed obligation that replaced the original loan agreement. The statute is part of the Federal Truth in Lending Act ( TILA ). Claims under TILA are barred by the statute of limitations contained within that act.

Hence the obligation is wrongfully treated as secured when it had been converted to unsecured obligation by the statute, and the obligation itself is now barred by the statute of limitations. 
The effect on the bankruptcy estate is obvious any claimants under the original loan agreement are moved from secured to unsecured and, since they no longer have the benefit o f the written instruments ( the void note and mortgage ) they must establish their claim by filing a proof of claim in which they establish ownership of the obligation and thereby establish that the they hold the risk of pecuniary loss, without whic

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: MN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I have tried to get Transunion refused to unlock or unfreeze my account. they ask me questions that don't match my answer or they ask me for 6 digit number which i didn't no. For 2 months I have tried to get into my account for medical reasons but was unsuccessful. I've been told my account was being merged and now they say they are during Maintenace on my acct. I got into my acct today and they merge my account with my daughters and my sons friends. I tried to correct the information and then they lock me out of the account. I spoke to 3 different agent and a supervisor, and they all said the same thing. To call back a try to answer the question correctly. I said how can i answer the question when it pertain to someone else. I don't know what else to do.

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 2021-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In or about XX/XX/2020 my bank account from Bank of America was closed due to a fraudulent deposit from the state of Arizona for unemployed benefits. I have never been unemployed. At that time I was serving as a health care recruiter for the US ARMY station in New Jersey. I told them that I was station in NJ and that I don't received any benefits specially from AZ. During all this time we been going back and forward with this issue and we always get its still getting investigated. My wife account was closed with {$15000.00} dollars and they refuse to give back the funds. Multiple times we get told that our cashiers checks are made but they are in a office that handles the investigations. I have provided all my pay stubs from DFAS and nothing. We are advised by the customer service to call every day but our efforts are not enough. By this I request assistance in this matter.

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 2023-10-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023, I applied for a business auto loan to purchase a brand-new XXXX XXXXXXXX XXXX XXXX via the XXXX mobile XXXX. My understanding is that XXXX XXXX sends the loan application to a pool where you have multiple financial institutions which includes but is not limited to TD Auto Finance ( " the bank '' ) bidding for the application. 
Note, this is our second business auto loan application through the XXXX mobile app within a space of about XXXX month. 
The amount to be financed by the bank was about {$45000.00} and like the previous application, I provided my personal information for the purpose of personal guarantee ONLY. 
On XX/XX/2023, I got a notification from XXXX of the credit bureaus that I have a personal auto loan. I contacted the bank to reallocate the loan to the business and they informed me that they don't offer business loans and that my best bet was to refinance the loan. 
Currently, I have a hard inquiry and an auto loan on my credit report. These if left, will negatively impact my ability to access credit that was originally accessible to me. I've attempted to dispute those with the XXXX credit bureaus but today ( XX/XX/2023 ), I got an update from XXXX of the bureaus that nothing has changed on my report based on my dispute and it's been finalized. 
I thought to escalate to your office for further review and assistance to have both the hard inquiry removed from my personal credit report as well as the loan. All those belong to the business and all I did was provide a personal guarantee like we did in the previous business auto loan with XXXX. 
I'm counting on your assistance and will be willing to provide any document regarding this issue upon request. 

Sincerely, 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