BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of America has overcharge fees on my checking account and my account is negative. 
Bank of America has major issues and Bank shouldn't allow any transactions if there is no funds in my checking account. 

I am XXXX XXXX and Retired.We have a major issues with financial hardship and Covid19 Pandemic issues.

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 2023-07-31
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:
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.

The letters are stated with items and issues.

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 2022-03-28
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2020-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Three ( 3 ) times I notified by email Ms. XXXX XXXX  XXXX the branch manager of the XXXX, New Jersey branch of the Bank of America and her assistance Mr. XXXX XXXX that because of the coronavirus I can not make payment on my car loan from the Bank of America. They have yet to answer. I wrote to the President of the Bank of America in XXXX, North Carolina. He has yet to answer! 

The Internal Revenue Service has extended the tax deadline without late fee or interest from XX/XX/XXXX to XX/XX/XXXX. The Bank of America can XXXX well follow suit with regard to my automobile loan and my debit card and my rewards card! 

We are all in it together as President Trump and Vice-President Pence repeatedly say. This means that the Bank of America in order to be patriotic and American must do as I have repeatedly requested! And it is the humane and honorable thing 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 monetary relief
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The Credit Bureaus XXXX, XXXX, and Experian have listed on my Credit Report, XXXX XXXX XXXX and Original Creditor 12 XXXX XXXX in the amount of {$3700.00}. The issue is this shows as opened XX/XX/XXXX and that the Account is OPEN and all of that is Categorically False!! I have been with XXXX since XX/XX/XXXX making this debt over XXXX XXXX XXXX which should of been removed. 

These creditors do this all the time change dates to justify their Collection activity when in fact they are aware that it is false. This type of business practice is unethical, unlawful, and they know it and still use it to their advantage! 

I have talked and filed complaints to the Credit Bureaus to no avail so I am left with no other recourses than to file this compliant with you.

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 2020-03-21
Company: FORD MOTOR CREDIT CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
To whom it may concern, I have tons of old debts, collections, and charge-offs on my credit file. Some are very old that should have fallen off by now, and some that may show inaccurate amounts. I was turned down for being pre-approved for a va home loan. However, these old debts were calculated and mostly the ones I paid in full. 


1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX ( inaccurate dates ) account was opened XX/XX/XXXX in XXXX XXXX Utah located at the XXXX inside of XXXX XXXX 's building when I was in training to become a XXXX XXXX. Date is showing I opened this acct XX/XX/XXXX. This information is false. 
5. XXXX XXXX XXXX XXXX 6. XXXX is still on my credit file after 8 years and payment in full. 
7. Ford Motor Credit was supposed to settle this debt after the SCRA case was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: Clarity Services
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted the companies to ask for proof that I authorized this inquiry and have not been provided proof to date. Two accounts were for I believe rental property and XXXX XXXX XXXX XXXX have ignored my request for proof of my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: ARTICLE ACCEPTANCE COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I leased a car from a car lot in XXXX for a used XXXX XXXX. I was paying payments for up to 8 months however within that 8 months I had to return the car to the lot on 3 different instances due to the car unexpectedly shutting off and not starting causing me to get the car towed to the lot each time. Each time they kept the car for a full month and a half with a band aid over the problem, hints the returning it 2 more times after the initial incident for the same problem. After the 3rd time I was frustrated and voiced to the car lot I wasnt happy with the car and was interested in a trade in. They refused this exchange so I stopped making payments and received a repossession to which I returned the car in XXXX. So now here it is XXXX and the company XXXX XXXX is still charging fees to my credit report about this car. The original amount of the car was {$11000.00} at the time of XX/XX/XXXX. Now its at the amount of {$20000.00} as of XX/XX/XXXX. The status on the account says closed but that isnt the case. I have reached out to the company to try to resolve this issue and they refuse to work with me. They have stated that they ended up selling the car to an auction shortly after I returned the car. So Im unclear about how they can still report fees to a closed account on a car I am no longer in possession for. This main account is a big negative effect on my credit report and Ill like to get it removed indefinitely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Their Investigation took more than ( 30 ) days and I wasn't sent a letter to notice about it until Consumer Financial Protection sent me an email. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Date : XX/XX/XXXX Dear TransUnion, I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by, The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentially Under 15 USC 1681. Per Consumer Financial Protection stated you did investigation XX/XX/XXXX please give me information on how you conduct the investigation and what procedures you took to on this matter. After taking with the local police department here in Washington XXXX DC and family, friends, neighbors, etc. They never received any interview or notices about the investigation on this matter. 
Account Name : XXXX XXXX XXXX Account Number : XXXX  Balance : Closed Balance : {$8500.00} reporting Repossession on my credit report for XX/XX/XXXX thru XX/XX/XXXX. No documentation of a balance or notices from TransUnion or XXXX XXXX XXXX 15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damage sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. 

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

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

15 USC 1692. ( C ) ( A ). Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. The affiant is aware and has proof in attachment labeled as exhibit A that corporation name is in violation.

15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damage sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. 

Thanks, XXXX XXXX XXXX XXXX this account immediately, unless you want to be held {$1000.00} per violation, per year with wrong data reporting information. This account has cause me and my family 27 % percent interest on car loan with damages as well. 

CC : XXXX XXXX XXXX Attorney General of Washington , DC 20003 Consumer Financial Protection Bureau XXXX XXXX Attorney for 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 2023-06-22
Company: Avant Holding Company, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I HAVE HAD AN AVANT CREDIT {$300.00} LIMIT FOR OVER 6 MONTHS NOW. I HAVE BEEN PAYING $ 15 MONTHLY MINIMUM ALTHOUGH I HAVE NOT USEDIT. 
ITRIED TO ACTIVATE IT BUT WAS TOLD I TOOK TOO LONG TO ACTIVATE AND I HAD TO BE SENT A NEW ONE. I RECEIVED THE NEW ONE AND ACTIVATED IT AND TRIED TO USE IT FOR A {$72.00} PURCHASE BUT WAS DECLINED. CALLED THEM AND WAS TOLD TO TRY AGAIN AS THE CARD WAS NOT ACTIVATED. IT WAS DECLINED AGAIN. I CALLED AGAIN AND WAS TOLD THE MATTER WAS ESCALATED. 
HAVE NOT RECEIVED ANY RESOULTION TO DATE AVANT LLC/WEB BANK XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: WELLS FARGO & COMPANY
State: ID
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo made false promises that if I submitted paperwork for a loan modification It would save my home from being foreclosed on they waited tell the time was up to tell me they would not approve a modification and then forecloses on my home given me no time to seek help from no other means

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 2022-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I have sent letters and called the credit bureaus as well as the merchant to sold this issue. 
I dont have any late Payments and if so can they please send me something. I never received any bills online or mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: The LGM Co., Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
Dear Consumer Protection Bureau, I am writing to inform you of the harassing phone calls that I have been receiving from LGM Finance Auto. Despite my attempts to resolve the issue, this corporation has continued to call me excessively, exceeding the allowed seven calls per day and even calling me 5 to 8 times per day. These calls have been ongoing since XX/XX/2023. 

Additionally, the amount owed to LGM Finance Auto is {$1700.00}. While I understand my responsibility to pay this debt, the excessive phone calls are unnecessary and unproductive. 

As a consumer, I believe that I have the right to be treated with respect and dignity, and the constant barrage of phone calls has caused me undue stress and XXXX. I have tried to communicate with LGM Finance Auto and have requested that they limit the number of calls to a reasonable amount, but they have continued to ignore my requests. I believe that this behavior is in violation of the Fair Debt Collection Practices Act and warrants your attention. 

I hope that you will investigate this matter and take appropriate actions to protect consumers from such harassment. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: JPMORGAN CHASE & CO.
State: NV
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:
My credit card was paid in full on XX/XX/21, {$9000.00}. The next day I was charged an interest fee of {$97.00} on my {$0.00} balance. 

I called chase to have this reversed and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: IL
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 name is XXXX c XXXX. I have a bankruptcy XXXX XXXXXXXX on my account. I have tried to dispute it with Experian, XXXX and XXXX, either the call will disconnect or they are not trying to dispute my bankruptcy from my files. I contacted the bankruptcy courts and they told me they DID NOT give these credit bureaus my information because it is against the Law, and then they emailed me a letter that states so. Ive then tried to dispute the bankruptcy for a second time Experian told me that they received information from the court house stating my personal information and that the bankruptcy court house told them that the information was correct and again that is against the Law

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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and XXXX have got into the hands of the wrong person.

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 2023-10-01
Company: EQUIFAX, INC.
State: VA
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 requested both Equifax and XXXX to remove the fraudulent items from my report multiple times and provided the identity theft report, The items only temporarily remove and then appear later. They have failed to provide verification of the debt when asked you including statements and signatures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Unable to retrieve XXXX or EXPERIAN CREDIT REPORT report via 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 2023-09-19
Company: EdFinancial Services
State: UT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
EDFINANCIAL reported information about a federal student loan to a credit agency XXXX regarding a student loan which I never had. 
I am XXXX XXXX XXXX and I have never taken a student loan in my life. Ive tried to call them 5 times and the automated assistant tells me that the wait times are over 500 minutes each time. I ask them to call me back and they never do. They make it impossible to reach them to resolve the false or erroneous report.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-10
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: Account information incorrect

Complaint:
Hello, it's the 2nd time I submitted - as the original message was not properly submitted. 

Here are my details about credit reporting agencies : 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. 

Accounts : XXXXXXXX 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 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.

15 U.S. Code 1681 to ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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