BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
HELLO MY IS XXXX XXXX XXXX XXXX AND I AM MAKING THIS COMPLAINT BECAUSE I HAVE TRIED MULTIPLE TIMES TO DELETE THIS INFORMATION FROM THIS ACCOUNT FROM MY CREDIT INFORMATION, SINCE I WAS NOT THE ONE WHO APPLIED FOR THIS ACCOUNT, MY PERSONAL INFORMATION, FOR EXAMPLE THE ID AND SOCIAL SECURITY WERE STOLEN, THEY WERE USED TO OPEN MULTIPLE ACCOUNTS FRAUDULENTLY, ONE OF THE BANKS AFFECTED WAS THE CARD ( XXXX XXXX ) WHICH CURRENTLY HAS A BALANCE OF {$5200.00} THAT WAS OPENED AS FRAUD, I DEMAND TO DELETE THAT ACCOUNT FROM MY CREDIT REPORT, I MADE AN IDENTITY REPORT ADDING THIS ACCOUNT TO THE IDENTITY THEFT REPORT SO IT CAN BE REMOVED FROM MY CREDIT REPORT 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 non-monetary relief
Consumer complaint received 2021-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I SENT LETTERS MORE THAN 30 DAYS AGO EXPLAINING THE DIRECT VIOLATION OF REPORTING ON MY CREDIT REPORT. 
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my consumer report. 

This is also in violation of 15 U.S.C. 1692b. Which states that a consumer report from any reporting agency can only be furnished in accordance of the written consent of the consumer it relates to. I NEVER GAVE WRITTEN CONSENT AND THAT IS FRAUD Failure to respond satisfactorily with deletion of the above referenced account and also a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation of Character 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g and 15 U.S.C. 1681b

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 2018-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Bank of America suddenly closed all ( 4 total ) my personal credit card accounts without any valid reason in XX/XX/2017. I have been a BoA customer for more than 10 years. My FICO score is around XXXX. There is no negative mark on my credit report. I never missed any payment with Bank of America or any other financial institute. The most outrage outrageous act was that BoA confiscated all the rewards points accumulated over the years. At the time of closure, I have around XXXX rewards points with the cash value around {$770.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: American First Finance, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
Someone stole my ssn and applied for a loan for americanfirstfinance without my permission and they did it on my phone I need my ssn shut down please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 at approximately XXXX I received a call from a phone number that I recognized as my bank. I answered the phone and they informed me that my account was being flagged for suspicious activity and needed to verify transactions. It ended up being a scammer and they gained access to my account which they used to make XXXX fraudulent transactions in less than an hr for a total of {$2900.00}. They included an {$800.00} XXXX to themselves as well as XXXX consecutive transactions at a XXXX in XXXX, XXXX where they got {$100.00} cash back on every transaction. I live in NC and was at my residence at the time of the fraud. I filed police reports with XXXX different jurisdictions. I initially filed in the county that I live in and then they said that since the crime happened in Massachusetts, they had to forward it to Massachusetts and so I have reports from XXXX different police agencies, confirming that it is indeed fraud. With photos of the individual. I submitted this information to Chime and they denied my claim in less than XXXX hours.The same individual also got my wife for XXXX transactions at the very same XXXX and Chime investigated her transactions for a month and ended up finding that they were fraudulent, and they gave her her money back. Same scammer, same XXXX, and around the same time. But she had significantly less money that they could get. But my claim has been denied in less than XXXX hours every time. And this most recent time it was denied in about XXXX hours, and I provided both police reports with the photographs and all the evidence that they had. There were no security, features enabled, I got no alerts, I had no idea my money was even missing until the next morning. Chime did absolutely nothing to protect my money and now theyre refusing to give it back. Despite overwhelming evidence of fraud provided by XXXX different police departments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: TX
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:
The accounts in my report are reported inaccurately. The balance and dates are wrong, accounts still reported when should be gone long ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
All happened today, the day this complaint was submitted. I tried submitting this complaint multiple times after calling twice. Disgraceful. 

This complaint is directed toward Ditech Financial LLC, the company that owns my mortgage. I tried reaching out to see about loan modification or forebearance, very temporary until XXXX. 

Background : After reevaluating my finances due to taking a XXXX dollar pay decrease from military orders sending me to Texas and my wife being forced to quit her job, Ive determined I need help with payments until XXXX when Im in a better financial situation ; a forebearance plan came to mind. 


Problem : I contacted your representatives who told me there was nothing they could do due to the fact my loan was owned by XXXX XXXX ; that I would have to be in a delinquent status. I called back shortly thereafter for a second opinion and was put on the line with a specialist. This specialist could not give me a single reason why I couldnt do this, nor was willing or able to provide written documentation as to why I would not be able to go through with a forebearance plan. She simply said no without any written regulation to back it up. Does this not sound ridiculous? Does this not affect credibility with your company?

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-14
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I made an agreement with XXXX XXXX to pay off my account in full when I told them that i needed credit consulting due to a hardship. I called back to pay the {$1500.00} that was agreed. Intermittently the account was sent over to their collection agency and I was told XXXX XXXX could not help me. I was told by the collection agency that they would report it as paid to XXXX XXXX and it would reflect as paid on my credit report in 30 days. It has been 4 months and after 3 disputes its still showing as a charge off in my account status portion of my credit.

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 2019-01-25
Company: AMERICAN EXPRESS COMPANY
State: NJ
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 had an American Express Business Platinum card. I requested to close the account on XX/XX/XXXX. The customer service did not inform me that I would be losing my points. Nobody gave me advice on waiting until the anniversary of my card which is XX/XX/XXXX. 

After XXXX withdraw my points back without letting me know in advance, I requested to re-open my card which was completed on XX/XX/XXXX. 

Given my card is active I would like to get my points back. I already paid a full year annual membership fee. I already made more than 13k spent on this card. In their response to my complaint from CFPB they acknowledge that their practices are subpar where they don't acknowledge what happens when you close the account. They don't read a fine print instead they say the customer should know it when they open the account which is 11 months ago in my case. Same old trick of putting things in to fine print and expecting people to remember. 

How Amex is treating a loyal customer since XXXX is beyond explanation. I like the benefits of the cards and continue to use it. But even though I have been paying my balances full every month and they chose to kick me out from the platform. 

Today I got another surprise. When I logged on I see all my cards are cancelled, personal and business, total of 4 accounts. Again I called customer service to complain about the cancellation. The person decided to cancel all my cards without reading me any fine-print, without asking me if I approve or not. She went ahead and cancelled all of them because she got XXXX at me. 

It seems very clear to me that Amex is putting me into a black list and trying to give me a lesson. If Amex is treating a customer since XXXX who has never had a late payment, imagine how it treats other. 

Thanks, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : Alleged Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) Billing Error ) Upon reviewing my credit report recently, I observed multiple instances of billing errors as defined under 15 U.S. Code 1666 ( b ) billing error, specifically : ( 4 ) The creditor 's failure to accurately reflect on a statement a payment made by the obligor, or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature by the creditor on a statement.

It has come to my attention that the creditor failed to provide the requisite 21-day notice ( approximately XXXX weeks ) before issuing a statement, thereby negating any grounds for late payments on the mentioned accounts. I am requesting conclusive evidence from the creditor 's bank account to substantiate the claim of non-payment resulting in late markings, as this appears to be a clear billing error. 

I insist that the following items be promptly updated to " paid as agreed '' on my consumer report : XXXX XXXX XXXX XXXX Account number XXXX  Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX DEPT OF EDXXXX Account number XXXX Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX As a consumer protected by law, these accounts must be expeditiously updated or removed from my record. Failure to comply will compel me to pursue monetary compensation for the infringement of my rights through small claims court under XXXX XXXX XXXX civil liability. 

Additionally, be informed that this matter has been escalated by submitting a formal complaint to the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 

Sincerely, 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 2023-12-06
Company: Westlake Services, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
US Auto Sales is a car company that recently closed down. Before their sudden closure, I was involved in a car accident that resulted in the total loss of my vehicle. I asked multiple customer service representatives what the status of my case was, but I never received a response. I was told that since I had GAP coverage and the vehicle was a total loss, I was not liable for any monies owed on the loan and that I would receive confirmation of that fact, I never heard a thing. While continuously waiting on a response about my case. I saw the news that US Auto Sales was shut down and now I'm getting mail from Westlake management stating that I owe money for car payments, which I know is not accurate. This is reporting on my credit, which it should not be because I was not a fault and my vehicle was a total loss. I am owed the money that I already invested in the vehicle as well. When speaking with Westlake, no-one has a history of my vehicle being a total loss or can provide me any information in regards to the resolution from US Auto Sales .

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 2023-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX XXXX I saw a charge of my account for {$2600.00} for XXXXXXXX XXXX I do not own any XXXX devices or any XXXX accounts I reported the {$2600.00} to Bank of America Bank of America did the investigation for more than 6 months after I kept complaining about the investigation and why I have not gotten any of my refunds back months later in XXXX of XXXX  you guys gave me a credit of {$2600.00} I was informed that that credit was a refund I said okay not a problem then I was also informed that I owed the back {$2600.00} cuz supposedly the bank gave me the partial credit and in reality the bank did not give me any credit I had to wait 6 Plus months to try to get a credit from you guys finally you guys tell me again that XXXX refunded the money I have never heard of a bank that gives you partial credit and a refund at the same time that's a little bit impossible so what Bank of America did was put me in collections and mess up my credit and say that I still owe {$2600.00} which is considered fraud fraud because of the simple fact that I don't owe any of those devices that have not show me proof that I purchased anything and they also closed all my accounts

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 2023-05-08
Company: EQUIFAX, INC.
State: AL
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:
Accounts that are reporting incorrectly on my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-12-06
Company: JPMORGAN CHASE & CO.
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:
According to the fair credit reporting act, fifteen u s c sixteen eighty one section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. " XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 which states " it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and Confidentiality Of those customers ' non public personal information. '' Chase bank is a financial institution by definition under that title. 15 USC 1681 section 604 section 2 states that " In general, subject to subsection, ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : " In accordance with the written instructions of the consumer to whom it relates. '' Chase Bank the financial institution and the consumer reporting agency 's XXXX and XXXX do not have any of my consent to furnish this information and they surely do not have my written consent. Any and all consent XXXX, XXXX, or Chase Bank whether it is verbal, non verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) and ( c ) states that, '' a financial institution may not disclose non public personal information to a non affiliated third party unless -- -- the consumer is given an explanation of how the consumer can exercise that non disclosure option. Chase Bank never informed me of my right to exercise my nondisclosure option. Also 15 USC 1681C ( a ) ( 5 ) ) states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which It against the law. 15 USC code 1681S - 2 ( A ) ( 1 ) State 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 USC 1681c states. " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishings of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states that " a consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
All three credit reporting companys XXXX XXXX  transunion. They have reported credit info on my report that i have asked to remove many many times. Either the account is old and pass the 7 years and or the account is paid and dont use the company anymore. Or they have deleted crediors on my reports and then they place them back onto my report after removed. They have done this many many times. I have asked to remove it. And they dont.

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