BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 non-monetary relief
Consumer complaint received 2021-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made a monthly Payment of principal, interest, and additional principle prior to the monthly due date. Instead of applying the additional amount as additional principal to reduce the loan balance, the bank held the funds overnight and applied the additional sum paid as an extra monthly payment. As this was misclassified as an additional payment instead of additional principal, the bank charged me interest for the night they held the funds. I have attempted to resolve this with XXXX XXXX, a supervisor at Bank of America, and he has refused to address my concerns.

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 2023-02-22
Company: Early Warning Services, LLC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, While checking my most recent report that your company maintains under my social security number, I noticed credit inquiries that I did not authorize, made by the following companies Inquiries : XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX A PART OF XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX A PART OF XXXX Date XX/XX/XXXX XXXX XXXX A PART OF XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX A PART OF XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX A PART OF XXXX Date XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my report that your company maintains under my social security number. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : Your Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: SC
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:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XX/XX/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 2022-12-27
Company: Radius Global Solutions LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX accordance with the Fair Credit Reporting act XXXX Account # 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 explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account. 
See the documents attached.

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 2021-11-10
Company: WELLS FARGO & COMPANY
State: NY
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:
I noticed Suspicious transactions on my Wells Fargo Credit Card account. These Transactions were for XXXX, Hotels, and a Smoke shop, all based in California. The sum of fraud was {$2200.00}. I disputed these with Wells Fargo. ( Detailed documentation of transactions will be attached to this claim ). 

One can see in the Transactions that they were in XXXX XXXX, XXXX, and XXXX California while I was in New York. Clearly, one can not be in both places at once. 

I called Wells Fargo to dispute these charges. I listed them each. A few days later I got a letter from Wells Fargo saying that no fraud occurred. Their reasoning was that " Since your card was in your possession at the time of the transaction, we have concluded that the charge was authorized. '' ( I am attaching the resolution letter they sent ). 

This seems to me like terrible reasoning. There are well documented instances and methods of Fraud that can occur while the owner is still in possession of the card. 

I called Wells Fargo on XX/XX/2021 to ask them how they could have reached this decision. They did not inform me. They did not provide documentation. They only said that they would take a second look. I have low confidence that they will resolve this fairly.

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 monetary relief
Consumer complaint received 2023-06-16
Company: Dunlap Gardiner LLP
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have new and updated information regarding complaint number XXXX. Dunlap Gardiner refuse to provide any of the requested documentation to evidence the existence of the debt that theyre alleging. Their refusal of this information is proof that such information is nonexistent, this alleged obligation is unlawful, and their admission to guilt. Dunlap Gardiner and its clients continued attempt to collect this unlawful debt without proof is harassment and not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
About a week ago, I went to my ATM at my bank and tried to withdraw funds. It told me that I could not perform the transaction at this time. So, I went to Bank of America and address the issue. They suggested I open up another checking account because the first one they detected some form of fraud. I did so, but the bank in their Infinite Wisdom closed both accounts. That put all of my direct deposits and auto pays in jeopardy and no one called me to tell me about what they were doing until I found out myself. I want Bank of America in Nevada to understand that they were messing with somebody's livelihood when they do this. Therefore I would like to file a complaint with Bank of America in Nevada.

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 2020-12-21
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been in contact with my credit card regarding my situation and being home as I am not an essential worker and my state being in stay home stay safe order. They are only allowing consumers 90 days with payment assistance. We have been in covid stay home order since XX/XX/2020. My card has been charged fees and is over the credit limit and being reported to the credit bureaus as delinquent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  XXXX did not provide the information i requested including documents proving that the debt they are reporting belongs to me. 
Re : Account ending in XXXX XXXX  XXXX Case : XXXX CFPB Case : XXXX I reached out to XXXX XXXX , and in accordance with consumer protection laws, they do not disclose passenger information to external entities unless mandated by law enforcement with a proper warrant. It's noteworthy that XXXX XXXX can confirm the fraudulent nature of an {$11.00} charge attributed to me. Despite multiple requests, XXXX XXXX has failed to furnish me with the requested documents, insisting that, given the online account opening process and alignment with public records, a signature is dispensable. 
This situation raises concerns under consumer laws as my identity has been compromised, leading to the appearance of fraudulent accounts in public records. Mere alignment with public records does not substantiate my involvement, and it is crucial for XXXX XXXX to address this matter responsibly. Contrary to their reports, I have never engaged in any transactions with XXXX XXXX, and they are inaccurately attributing an account to me. It is imperative for XXXX XXXX to rectify this misinformation promptly, ensuring compliance with consumer protection regulations.

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 2022-06-17
Company: EQUIFAX, INC.
State: WI
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:
" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the several time I've complained about being a victim of identity theft. XXXX and TransUnion must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06
Company: LDF Holdings, LLC
State: MT
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Originally took out loan XX/XX/XXXX put in my dates for payday and got email stating a payment was coming out on the wrong date. Told them and they re-wrote the loan XX/XX/XXXX, and the same thing happened again and rewrote XX/XX/XXXX. So finally they got it correct and the first payment came out XX/XX/XXXX for {$270.00}, of which {$2.00} went to principal. I called to pay off the loan today and the amount due for payoff was {$1600.00}. This was more than the original loan, after a payment was made. Ridiculous. As I do understand that the interest rate is 393.70 %, this loan apparently was originated on " tribal '' land, so they do not have to comply with my residential state of Montana, which has a cap for payday loans at 36 %. I have stopped the ACH as of today and told them I would put an offer in to pay {$1500.00} in full, but they could not do anything today to accommodate this, leaving me 2 more days of interest accruing till Monday. I told them that I felt that they were not legally disbursing loans this way and that I was going to stop paying and get a settlement that way if they don't accept my offer Monday. I am furious that these companies can get away with this. My husband and I had some urgent needs for some money till he went back to work and I was recovering from a XXXX. We have 2 of these loans with 2 different companies XXXX up with interest payments. How is this legal??? Especially when I reside in a state with a low cap. Even though the loans were online, this should still apply. 
Loan XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX : {$6400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} US DEPARTMENT OF EDU XXXX Balance XXXX {$3900.00} US DEPARTMENT OF EDU XXXX Balance XXXX {$970.00} US DEPARTMENT OF EDU XXXX Balance XXXX {$7400.00} US DEPARTMENT OF EDU XXXX Balance XXXX {$1100.00} US DEPARTMENT OF EDU XXXX Balance : {$570.00} US DEPARTMENT OF EDU XXXX  Balance : {$1900.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX  Balance : $ XXXX & XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/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 2022-06-17
Company: American Location Specialists
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX called me on XX/XX/XXXX at my job about a debt. I asked him to contact me on my cell after work, he did not call. Then on XX/XX/XXXX he called me back but I was not able to call him back by XXXX, my plan was to call back as soon as off today before XXXX to discuss what was happening. on XX/XX/XXXX XXXX decided to harass and call my main job multiple times as well as the company 's owner, he was very rude and harassing to my co-workers as well as discussed and told them he is trying to send over wage garnishment paperwork specifically for me. He also told them he tried to serve me papers 3 times to no avail which is not true, nor have I received ANY documentations of this supposed debt which I need due to all the scammers trying to steal money that is not owed to them. Due to him telling them all this they decided to ask if this has been processed through the court system which he replied yes and to check with our local courts. They called to let me know if all this so I called our local magistrate which said if I did have wage garnishments, they would be the ones to serve the paperwork, not someone in NY. They then did a search and said that no one has any pending or past cases towards me. This person is harassing my job and coworkers while telling them these things about me all while I have no documentation as to why or what he is saying is owed as nothing has been mailed to me or brought to my attention.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: Yamaha Motor Finance Corporation USA
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
My loan has switched from XXXX / Yamaha to Yamaha Finance. My payment was {$180.00} on my XXXX account. I also had sent my XXXX payment in to XXXX in XXXX. The statement shows that I am behind a month and that my payment is {$210.00} per month but does reflect the same interest rate. I have made multiple attempts to reach someone by phone and email but have not gotten through to anyone. My first attempt to contact them was on XX/XX/XXXX. I was on hold for 2 hours, the next day for 1.5 hours. I recieved a number on a facebook page to call XXXX. I did reach a person who took my info down and stated a superviser would contact me within 24 hours. Now that number only rings and no one answers. I sent an email the same day and only received an autoresponce that someone would contact me soon. This is a huge issue and multiple people have been affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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! Also i was never late on any of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and feel my rights are being taken advantage of 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!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

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