BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-14
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Chase purchased my mortgage on the XXXXXXXX XXXX but didn't bother to get insurance information. The insurance was about to expire and I was notified the evening of the date of expiration of the insurance, that they hadn't paid it from escrow. I spent 3 hours rectifying the situation and paying the insurance myself. I decide at that time that I would then escrow myself and pay the taxes and insurance. They never communicated this to escrow as I haven't received a revised mortgage payment nor the return of rescue. They said they paid the taxes after I said I would. I sent them a copy of the the tax bill on line showing it wasn't paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Experian Information Solutions Inc.
State: CO
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 received statement In XX/XX/2022. Billing cycle end XX/XX/2022, payment due XX/XX/2022 with balance due XXXX. I paid entire balance XXXX on XX/XX/XXXX. XXXX XXXX assessed a {$2.00} minimum interest charge on the XX/XX/2022 statement even though the account at that time had a XXXX balance. This is contrary to the terms of the account which I have from the time of the opening. Because I was under the impression that I had a XXXX balance, which I did I did not evaluate to make further payments. XXXX continued to charge me late fees and interest on late fees on that XXXX dollar balance that should not have been assessed to me in the first place. I did not realize until they started calling me in XX/XX/2022 that I even had any of these charges because again, I never should have been assessed the XXXX dollar fee in XX/XX/2022 in the first place. My credit report now indicates that I have a serious delinquency 60 day late payment from this creditor. When I contacted XXXX via phone, they reversed the late charges, but told me that I owed them XXXX dollars which I paid immediately just to be finished with the situation. I also at that time requested that they account be closed which they still have not done. Now strangely, on my open account, I have a credit of XXXX cents. Additionally, I have attempted to dispute this through Experian, and nothing happened.

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 2022-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Somebody run my credit for credit card application which is i did not do, the credit card is from Bank of America, I got an allert from my bank that someone run my credit, Can you help me fix that problem Thanks

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 2023-11-07
Company: Experian Information Solutions Inc.
State: GA
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:
My account and my personal information was used by fraudsters to gain access to my checking accounts. They also had access to my debit cards information including my PIN. It was easy for them to compromise my bank accounts. Twice XXXX XXXX XXXX XXXX has closed my checking accounts, and in three occasions they have cancelled and reissued my debit cards this year alone. As a result of this theft and my account being compromised I couldnt meet my obligations to my creditors on my due dates as the money meant to pay my creditors were withdrawn before my monthly payments were processed. So the funds that were meant to take care of my bills had disappeared from my account. This also led to my accounts being late for the first time with a number of creditors reporting late on my credit I have worked very hard to build. I now have a new checking account from XXXX XXXX and I am just now trying to restore my credibility back up. The Creditors affected are : XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX My line of credit with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and my utility bills. 
I contacted each creditor to request that they show understanding, due to the theft that happened to my checking account on XX/XX/2023, with proof from my bank XXXX, not to report any late credit reporting on my credit report as I work hard to catch up with my payments. But as it turned out they still went ahead and reported those late payments. As a result of this terrible incident my credit is now at its lowest best and have dented my hopes of doing business that will bring in revenue for my livelihood and that of my family. I am therefore requesting with immediate effect that these lates be removed immediate from my credit report.

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 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This complaint is for TransUnion Bureau. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.

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 2021-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX at XXXX XXXX stopped at the Bank of America in XXXX, California to use the ATM to make a credit card payment using cash since it was after business hours. I put in {$2200.00} in the machine which counted the currency and returned {$100.00}. When it asked if Id like to insert more bills I reinserted the {$100.00}. The machine froze and started repeatedly beeping. Once unfrozen the ATM screen showed We apologize for the inconvenience. We are unable to process your request and can not return your item ( s ). Please contact our Electronic Claims team at XXXX to discuss this transaction. I called the 800 number and submitted the claim and was told to expect a resolution in 7-10 days. I called the branch at opening XX/XX/XXXX and was told they didnt need to file anything or be informed after the claim had been submitted to the 800 number. I did not receive a response and followed up XX/XX/XXXX and was told that the new resolution would be XXXX XX/XX/XXXX. Upon calling on XX/XX/XXXX, I was told that the claim was closed and then transferred to the billing dispute department and was told that the claim is still open and ongoing and can take up to two months.

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 2019-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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: 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:
These accounts were opened without my knowledge or consent affecting my credit score and ability to rent a home, finance a car among other things affecting my day to day life!

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 2019-03-29
Company: Experian Information Solutions Inc.
State: WA
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:
To whom it may concern, My friends and I feel it's important to take off derogatory accounts when they're expired, to make credit scores easier to understand and update personal info in a timely manner.It seems when i talk to them they don't want to help me rectify things like what happened in summer of XX/XX/2017 when I tried to reconcile issues with you, unfortunately my instructor who helped me is no longer available to discuss this with you. Also I had a XXXX XXXX account that wasn't removed that should have come off my record and some fraud alerts that was not taken seriously. Thanks.Sincerely yours, 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 explanation
Consumer complaint received 2023-11-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My issue is with Wells Fargo Bank Checking Account. I had funds in my account on XX/XX/23 and I was charged overdraft on XX/XX/23. I called the bank XX/XX/23 and they gave me a partial refund of {$17.00}? Why give a partial refund? I also have a deposit pending with Wells Fargo on XX/XX/23 which should have posted XX/XX/23. It's now XX/XX/23 and I've been charged again for overdraft. Can Wells Fargo hold a deposit while they charge overdraft fees? Technically they are the ones who have my money so I can't do anything until they decide to post my deposit while charging 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 monetary relief
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Wrong personal information on all three credit reports

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 2022-06-03
Company: EQUIFAX, INC.
State: AL
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 Fair Credit Reporting Act, XXXX, XXXX XXXX, Equifax have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. Account : XXXXt acct number XXXX According to the 15 U.S.C. 1681 Section 602 states I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 5 ) states that no consumer reporting agency can make any consumer report containing any of the following items of information or any other adverse information other than records of convictions 15 usc 1605 states that the finance charge is the sum of all charge, no such thing as late payment 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 usc 1681 section 604 a section 2 ; states a consumer reporting agency can not furnish an account with my written instructions 15 U.S. Code 1692d - Harassment or abuse ; A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt ; reporting high usage negative impact on family/household/livelihood improper investigation, 5 U.S. Code 1692b, Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 15 U.S. Code 1681b any consumer reporting agency may not furnish a consumer report without the written instructions of the consumer to whom it relates.

15 U.S. Code 1681d A person may not procure or cause to be prepared an investigative consumer report without notifying the consumer in writing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( XXXX ) - XXXX XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-18
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I financed a vehicle XXXX XXXX XXXX on XX/XX/XXXX. The total financed was {$21000.00}. The annual percentage rate is 7.90 % per year. Number of payments is 72 months of {$380.00}. First payment due date is on XX/XX/XXXX of {$380.00} but made the payment using a debit card on XX/XX/XXXX. 
Checking through their website at Setf.com I see a payoff amount of {$21000.00} on XX/XX/XXXX. Then on XX/XX/XXXX the payoff amount is {>= $1,000,000}. But why? If I made their first payment before the actual due date. I dont know why it increases the pay off amount by each day when it should be annual percentage rate. How do they expect someone to pay it off quickly when this is happening. 
I reached out to them but each person I speak to gives me a different answer which for me it surely doesnt make sense at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Experian Information Solutions Inc.
State: MA
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 wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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 2019-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
I selected a Capital One Spark Business card because of their rewards program, and in particular, a {$500.00} cash bonus for spending {$4500.00} within the 1st 3-months. I carefully tracked my spending during those first 3-months to ensure that I would reach the {$4500.00} limit. I assumed that 3-months means the 1st 3-months you are using your card, or the first 3 statements. Capital One, however defines the first 3-months as starting on the date your account is opened, although you do not receive your card for about 7 days after that date. 
Due to this definition of the first 3-months, which is not clearly stated anywhere, including in their fine print, Capital One determined that I was not eligible for the {$500.00} cash bonus, despite the fact that I exceeded the {$4500.00} limit and spent {$5000.00} in my first 3 statements, or the first 3 months after having received my card. 
I made 5 separate phone calls ( and spent several hours of my time ) to Capital One Spark Business Customer Service, and was not able to have this issue resolved. I was told by one customer service representative, that Capital One may change the way they count the 3-month period, to count 3-months from when the card is received, as many customers have had the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: CO
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.

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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: EQUIFAX, INC.
State: MI
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX - XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX  and Experian is supporting XXXX XXXX on leaving a business account on my personal credit report. I disputed so many times with them and unfortunately they refuse to take it off by allowing XXXX XXXX to say for them to keep it there. Please help me, my business name was XXXX XXXX XXXX XXXX and unfortunately it is not in business anymore because it didn't bring enough revenue. 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