BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Please find attached : ( XXXX ) all pages governed by the XXXX  related to each parties contractual obligations to Account # XXXX, ( XXXX ) The current payment demand dated XXXXby Bank Of America, NA for {$280.00} XXXX all pages ) received XX/XX/2023, ( XXXX ) copies of that payment issued pursuant to and in accordance with this Debtor 's contractual obligations and that lender 's servicer 's agreed to terms [ now appearing to be modified without the consent of the debtor/borrower ] for {$760.00} sent by Certified U. S. Mail and Noticed as delivered on XX/XX/2023 XXXX XXXX ) the postal print out of the failures of BOA NA to retrieve that payment in a timely manner. This lender and servicer is acting, without exception with and in BAD FAITH at each and every turn ( XXXX ) is that demand of the Legal Department of Bank of America related to that necessary Loan Modification and assistance with their security interest in that Vehicle which collateralizes the debt, not only have they failed and refused to communicate they also failed and refused so execute the Return Receipt attached to that Certified Mailing causing a Chargeback to be had for that {$8.00} paid to USPS for the service they failed to perform and obtain. 
It is blatantly obvious there is but XXXX party bound by the terms of that contract and XXXX party that completely flouts the laws behind the contract making that relationship and contract unenforceable in law and fact.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Block, Inc.
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I had my ssn check deposited and refunded disputes added to my card. I tried to access the account and cashapp located the account on their end but i was not able to myself. They said i cant have access or transfer monies out and gave me only one reason due to security reasons i asked what security reasons and they said thats all they could tell me. I am XXXX and without my monthly check I will not survive. It took me months to recover from not getting my check that month. I was evicted and XXXX on the XXXX and lost everything i owned because of this. I keep trying and trying with them but get no where. There app Conveniently freezes if i get to far into logging in. Cashapp is a company that steals and thus far gotten away with it all!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: FL
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: TX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-01-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
It's the Wells Fargo action that's being taken now between XXXX and XXXX to present with bank accounts checking accounts and debit cards account not been accurate very low taking money without permission.

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 acquired my credit report and asked the credit bureau to investigate my credit report for inaccuracies and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ). 
I received the investigation results as verified and six XXXX XXXX XXXX accounts remain the same. The consumer agency TransUnion did not do a complete investigation to verify the information as 100 % accurate. 
I am entitled to an 100 % accurate credit report. How is it that XXXX and XXXX was not able to verify the information and deleted the six negative XXXX XXXX XXXX accounts from my credit report but TransUnion could verify. 
I have enclosed documentation proving multiple violations. All reported information regarding XXXX XXXX XXXX accounts are inaccurate on my TransUnion credit profile which is a violation of the Far Credit Reporting Act. A previous credit report and updated credit report is enclosed. 
These violations are holding me back from getting funding for my business, its hurting my car loan rates and payments. TransUnion is violating my rights by not doing a complete investigation. 
15. U.S.C 1681 section 602 A. States I have the right to privacy.

15. U.S.C 1 681 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 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 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
MY WALLET WAS STOLEN IN 2018. FRAUDULENT ACCOUNTS WERE OPEN IN MY NAME. THEY HAVE SINCE THEN BEEN CLEARED UP EXCEPT FOR XXXX XXXX. 

ALL THREE BUREAUS STOPPED REPORTING THE FRAUDULENT INFORMATION, NOW TRANSUNION HAS DECIDED TO REPORT THE FRAUDULENT XXXX FEDERAL REVOLVING ACCOUNT. 

THEY ARE REPORTING FRAUDULENT INFORMATION THAT NEEDS TO BE REMOVED IMMEADIATELY, PERMANENTLY.

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 2020-03-12
Company: BARCLAYS BANK DELAWARE
State: MD
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:
Someone used credit card checks that were in my name for a credit card I paid off and closed XX/XX/XXXX by signing my name and cashing checks according to credit card company. I explained to card card company this was fraudulent & that I didnt signed or authorized anyone to use checks. Once I became aware I reported to the credit card company and my local police in XX/XX/XXXX Nonetheless, credit card company continue to pursue to collect and finally took me to Court in XX/XX/XXXX and case was dismissed by Judge in XX/XX/XXXX Credit card Company will not report the correct updated information. Company continue to report to Credit Bureau account as charge off account since XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I checked my online account and noticed XXXX was fraudulently withdrawn from my citizens savings account on XX/XX/XXXX. I contacted citizens multiple times and they kept saying they are looking into it and couldn't provide updates. I have spent hours on hold with no luck. I was finally told today they closed and denied it but the rep couldn't say why and guessed it was because I waited to file. I filed the day I found out about the transaction. I have been calling XXXX and the details that show up are " XXXXXXXX XXXX XXXX XXXX' I have tried calling XXXX and they are saying I need to have citizens contact them and can't help me. 

Citizens bought out my account from XXXX. I have done nothing with the account since it was bought out. This is bad banking. There is no way they got the account information from something I did. I have never accessed the account in any capacity or wrote down any banking information. This has to be a citizens internal security issue that someone was able to easily access my funds and transfer such a large amount.

Company response to consumer: In progress
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
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:
Ive reviewed my credit report and noticed the following inaccurate items. 

The accounts below are not mine : XXXX XXXX  Account Number : XXXX Account Opened : XX/XX/2023 Account Balance : {$140.00} Account Status : Unpaid

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX DEPT OF ED/XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: GA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: JPMORGAN CHASE & CO.
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
A charge of {$5100.00} appeared on my Chase XXXX credit card on XX/XX/21. The vendor was XXXX XXXX. Chase flagged this potentially fraudulent transaction the next day and asked me if I knew about it. When I told them that I did not, they removed the charge from my account and issued me a new credit card. 

Unfortunately, when I received my next statement, they had restored the charge. I have followed up with Chase on multiple occasions and have been shuttled between multiple departments and generally given the runaround. In one of these conversations, the representative discovered that the travel took place in XXXX and was used by somebody who is not known to me. This is clearly a credit card security issue on their end. 

I will continue to seek resolution with Chase but they do not seem like they are willing to help. The charge remains on my account, accruing interest. 

FYI... I have tried to submit a copy of my statement but nothing happens when I click on the attachment button. I have tried on two devices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-15
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I submitted three credit disputes with Experian on XX/XX/2023 we have dated time stamped recite. Experian failed to investigate 2 of the disputes submitted as of XX/XX/2023.

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 2023-06-05
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
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:
The company repossessed vehicle in XXXX after they refused to honor my valid vehicle warranty for a failed engine. I tried talking with them several times to negotiate vehicle loan obligations due to the engine failure in less than a year of purchase if I replaced the engine myself. They declined all offers, turned the vehicle off so I couldn't even start it to get a second diagnosis on it. 

They sent notice that they wrote the debt off {$4500.00} in XXXX. But contrary Now they are trying to garnish my wages 8 years later. This is so unfair. They claimed they got against judgement on me in XX/XX/XXXX, which I never knew about, nor has it ever even been on any of my credit reports. This is unjust and just wrong. Now they've boosted the debt to over {$7000.00}. I'm XXXX any only work part time just to be able to feed myself. This is crazy. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am in the process of purchasing a house. When they did the title search they found 3 judgment against me that I have never had a clue about until XX/XX/XXXX. 

These are part of XXXX XXXX dollars settlement with XXXX XXXX XXXX, COOLING AND WINER. 

All 3 of these were Robo filed without my knowledge and I have never been served on any of the 3 cases. 

Cases : 1 ) XXXX, filed by XXXX XXXX XXXX for amount of XXXX with a judgment date of XX/XX/XXXX, then somehow it got transferred to Cooling & Winter without my knowledge. OnXX/XX/XXXX, I paid Cooling & Winer XXXX ; otherwise, I would not have been able to close escrow. 

2. ) XXXX, filed by XXXX XXXX XXXX for the amount of XXXX with a judgment date of XX/XX/XXXX, then somehow it got transferred to Cooling & Winter without my knowledge. OnXX/XX/XXXX, I paid XXXX & XXXX XXXX ; otherwise, I would not have been able to close escrow. 

3. XXXX, filed by XXXX XXXX XXXX for the amount of XXXX with a judgment date of XX/XX/XXXX, then somehow it got transferred to Cooling & Winter without my knowledge. OnXX/XX/XXXX, I  paid Cooling & Winer XXXX ; otherwise, I would not have been able to close escrow. 

If you need any addtional information please contact me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: CREDIT ACCEPTANCE CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
When I got the vehicle the monthly payment amount wasn't discussed because if they would of said {$790.00} a month I wouldn't of got it and now I can't pay the whole monthly amount so I talked to one of their agents and we set it up for XXXX a month so I've been making the payment but they failed to tell me that since I haven't been paying the whole amount every month my credit score gas been getting hit and now that I'm so far behind if I do miss a payment they can take my truck without saying anything to me and I can't get it refinanced because they said I have to be caught up on my balance which is {$6600.00} knowing that I wouldn't be able to do that it's crazy. And my truck was only {$23000.00} at the dealership and after it was all said and done they are saying I owed {$54000.00} that's more than double of the truck and this truck isn't even worth that much brand new how can they do this to people and get away with it

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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
By the provisions of the Fair Credit Reporting Act, I demand that this item is removed from my report. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. I, XXXX XXXX, did not provide your agency written instructions to include this fraudulent account in my consumer report. This is a violation of 15 USC 1681b- ( a ) ( 2 ). You have caused me grave issues and faltered me from being able to advance in my life. I have a family and I would like to be able to purchase a house. These fraudulent accounts are holding me back. I know and am aware of my rights and I demand that the balances are XXXX out and removed from my account. 

The following documentation will be shipped directly to you so that there is no back and forth about identity verification.

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