BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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  Account # XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Can XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 

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

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

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 2021-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I am an American citizen on unemployment as a direct result of covid. Unemployment monies were went through Bank of America in an account only accessible through ATM. All was fine until I reported fraud on my card. The criminals somehow got my card information and withdrew XXXX dollars in three different locations. I told the customer service/fraud department department I could show where I was when my card started being used through my XXXX maps, also my card was used in 2 different places about 3 hours apart on same day, mine being used in stores to make purchases, the other to withdraw XXXX dollars. Impossible, and told them to look at the cameras, as those 3 charges were not mine, see who it was as it was not me. I have called several times, the bank, unemployment, both sides blame the other, In the meantime, the money I had left in my account is said in a letter not being paid back to me and my account is closed. I received a new card, that is unusable and it seems an account that is supposed to be covered by FDIC insurance is being pocketed by the bank, and not paid to me. Why as a consumer am I having to go through this. This is my ONLY income, and now I am not able to pay my rent, This is a hardship, fo me and my family. I have seen I am not the only customer who was forced to receive their money this way, and not the only person who is hurting financially because of unfair practices! 
On XX/XX/XXXX my account had XXXX dollars withdrawn, and on XX/XX/XXXX, and XX/XX/XXXX my account had 2 withdraws of XXXX dollars each. in 3 different XXXX XXXX  locations.The only result to my action of reporting the theft was to be told, to talk to unemployment and the police. I did both, but it seems no matter what I did on my side to try to work with Bank of America was to get closed out of my own money. In a final attempt to get this fixed I was hung up on by Bank of America employee.

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 2021-02-19
Company: ACIMA CREDIT, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/2019 I had stereo equipment installed at XXXX XXXX in XXXX, TX using a predatorial loan program they were promoting provided by ACIMA CREDIT. My issue is with the business practices of ACIMA and is meant in no way to accuse XXXX XXXX of any wrongdoing. After a while, I didn't think it was loud enough so I went back to the same place and returned all of the equipment and had better equipment installed. I didn't get any of the equipment back that was initially installed returned to me because that was supposed to be considered a trade-in towards the better equipment. The equipment was switched out on XX/XX/2019. Instead of using the equipment to reduce the cost of the better equipment, they opened a new loan and charged me full price, leaving me still liable for both sets of equipment. I disputed the accounts on my credit report for this exact reason and they just updated my past due amount in order to act like they actually made a change and avoid addressing the actual problem. 

Full disclosure : I haven't completed paying for the second set of equipment either. It was stolen within 24 hours of being installed and I immediately called them to ask if we could work something out so that I could just pay for the equipment but waive all of the interest because I wasn't going to pay the INSANE amount of interest they were charging while I no longer had the equipment. They refused to work anything out with me, so after being shafted with the first account, I just quit paying on both accounts and used the money to replace my stolen equipment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: EQUIFAX, 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:
I recently Checked my credit report and found an inaccuracy that credit bureau refuses to properly investigate.I have account statements that show account was never late and on time the following accounts below need to be updated correctly and accurately to never late with all late remarks removed : XXXX XXXX Following dates need to be updated to on-time Dates XX/XX/2023 XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX XXXX XXXX XXXX is reporting inaccurate information to all 3 credit bureaus. To Experian they are reporting Charge off from XX/XX/XXXX-XX/XX/XXXX, they are reporting 90 days late on XX/XX/XXXX, 60 days late from XX/XX/XXXX-XX/XX/XXXX and 30 days late from XX/XX/XXXX-XX/XX/XXXX. They are reporting no derogatory information on XXXX and 90 days late from XX/XX/XXXX-XX/XX/XXXX on XXXX. Under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), they are not accurately reporting the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation, providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed : Previous / Incorrect Addresses XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 There should only be one address listed on my report, which is XXXX XXXX XXXX # XXXX XXXX XXXX, IN XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling and current address. Once again, in order to make the process of deletion easier, here are the incorrect names : Incorrect Names 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 There should only be one name on my credit report, which is XXXX, XXXX XXXX ( not in all capital letters, I am not a corporation, I'm a living human ). 

Please remove inaccurate employers as well as listed below : 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 2021-02-19
Company: JPMORGAN CHASE & CO.
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 information incorrect

Complaint:
I Have called XXXX XXXX and XXXX and disputed in writing regular inquiries promotional inquiries and supplemental credit and checking account XXXX. all be removed from the credit reports. The following are the worst items. XXXX XXXX is incorrect with a balance of XXXX incurred in XXXX Yet the next line show that I have an exceptional payment status. Then next line says the account is closed. Ironically I have asked XXXX to show me what the original loan balance was and they did not respond. It is not reflected on the report. and I was unaware that state social and health departments gave out personal finance loans. XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX cooperative all are reporting negative and in accurate and disputed data. The next credit agency XXXX shows the same delinquent, closed, and paid account from XXXX XXXX the account number is XXXX for {$9100.00}, next XXXX XXXX with an account number XXXX shows a XXXX balance. The account is closed, yet it says I still owe {$990.00} and its open. XXXX XXXX bill for XXXX for {$54.00} in the account XXXX has also been paid and still reflects a negative balance. XXXX and XXXX  show that nothing is owed nothing is revolving and I have no open accounts with an exception of one account for {$330.00} from the XXXX credit report. XXXX  shows that I have a total debt amount of {$54.00}. XXXX XXXXXXXX dollars and XXXX XXXX a debt over {$12000.00}. This is not accurate clearly. I asked that all these items be taken off and removed one way or another from my reports. Next on XXXX Ive apparently had over 72 inquiries also inaccurate. I have a similar number also with XXXX, yet only 25 inquiries with XXXX. All of this information is false, inaccurate, fudged, incorrect, and detrimental. I have asked repeatedly with both the creditor and perspective credit companies to show proof. Not a single document verifying or even asserting to the debt was returned. I asked and disputed and requested That all these inaccurate anomalous blemishes be removed from the various reports perspectively. I must reiterate however the very worst revolving accounts that should not be there or XXXX with an account number of XXXX and in the amount of XXXX dollars XXXX XXXX  with an amount of XXXX Dollars Via JP Morgan Chase also XXXX With a steel revolving balance of {$330.00} this will be supported via documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: EQUIFAX, INC.
State: MT
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 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 Section 2 : States a consumer reporting agency, can not furnish an account without my written permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX This complaint is with Barclays XXXX credit card. 
On XX/XX/XXXX, I was talked into purchasing a vacation club through XXXX XXXX in XXXX XXXX XXXX. What they sold me were several items that I found to be untrue after I received my club login a month later. The contract does state that its non-cancellable but I did not receive what they sold me. 
XXXX asked for my permission to run my credit so they could preapprove me for their in-house financing. I later found out that it was not in-house financing. It was an application to a Barclays XXXX credit card ( which has caused my credit score to decrease ). 
When I realized that I was not going to receive the items XXXX  ( XXXX XXXX  ) sold me, I disputed the {$3900.00} charge with Barclays XXXX. This was on XX/XX/XXXX. It took Barclays over FIVE MONTHS to update me with a dispute status. Attached is a copy of their response. Barclays claims that I indicated that I wanted to work with the merchant. This could not be further from the truth. I had told Barclays that I did try to work with the merchant BEFORE I disputed the charge and XXXX would not budge. Barclays was unable to tell me when or to who I supposedly told this to. She said it was an error and that I had to send all documentation back in to re-open the dispute. I confirmed today that they received my documents a week ago but it was still sitting on their desk and has not been reopened yet. The rep said he would escalate. At this point, I have no confidence that they will actually follow through. 
Arent there laws in place that only allow a specific time period for the merchant to respond to a dispute and if they dont then the credit card company is supposed to charge back to the merchant?? 
Evidently, Barclays XXXX has a direct relationship with XXXX to quietly open credit cards. 
I just want my {$3900.00} refunded. XXXX and XXXX can work out the details between them. 
My Barclays acct number is 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 monetary relief
Consumer complaint received 2023-04-11
Company: Fidelity National Information Services, Inc. (FNIS)
State: HI
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:
1. XXXX XXXX 2. Date of false reporting starts almost 4 years ( XXXXXXXX XXXX ). Its still reoccurring to this day. 
3. They first reported me to credit bureaus, so i sent correspondence to shut that down immediately. Was taken down/off my report first thing. And since chexsystems isn't something most people know about unless are dealt with a situation that requires them. Someone can falsely report you under detection, as not one place told me " oh you have an outstanding balance at XXXX. Sorry. '' That was until last year when i moved to Hawaii. XXXXXXXX XXXX i tried to get let me know, XXXX  bank is the one that is reporting you owing money. Besides the account being apart of an identity theft, I never owed them anything. They kept lying and saying my bank reversed deposits. I sent them bank statements of the month in question as well before and after discrediting their theory. They replied by saying that isn't true and then hanging up. I tell them I'm closing this account and only keeping my XXXX XXXXXXXX acct. Then a year or months later send me notice i am delinquent and owe almost {$900.00}. fast forward and they have continued to report me after not 1 but 2 failed investigation attempts by chexsystems. With the last one going to banks favor even when i have my bank send photo proof someone tried to deposit the check into a closed account. But this shows proof of receipt which they deny. And base there bs off in first place. Im sending with this report my bank statement who issued check directly to XXXX XXXX. And lastly the reply from my bank that issued said check on its current status as well as anything being shown that XXXX received check.

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 2021-12-13
Company: ASSOCIATED BANC-CORP
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My mortgage account with AssociatedBank is in autopay, which I setup using their own online banking tool. The payment has being deducted from my checking account at XXXX XXXX and transferred to Associated Bank since my first payment with no miss at all. 
On XXXX there was a {$100.00} increase in the escrow part of my mortgage - duo to tax reassessment. This money is paid in advance for tax purposes and it's not part of the mortgage Principal or Interest. Associated Bank is responsible for collecting this money in order to pay my property taxes when time to do so is duo. 
As the mortgage was being automatically transferred from my XXXX XXXX checking account to Associated Bank every month and no call was given or email was sent, I was not aware of such an increase until I checked my XXXX statement which said that XXXX month was " overdue ''. I immediately called Associated back to discuss why I was being charged double, since the money was wired a month ago. That's when they tell me that, the amount paid was considered " partial '' ( because of the " missing '' {$100.00} related to TAX reassessment ) and therefore didn't apply to my mortgage, instead it was kept in a separate account within their organization. I then paid the difference over the phone and also adjusted the XXXX payment. This was done on XX/XX/XXXX. with XXXX and I was given the confirmation number : XXXX. 
For my surprise, after all this ordeal and, after paying all the additional adjustments needed, on XX/XX/XXXX my XXXX XXXX was hit with a claim from Associated Bank in the total amount of my over a XXXX XXXX  mortgage saying that it is overdue. I called them today, XX/XX/XXXX and they tell me there's nothing they can do. 
I file this report since the claim is completely incorrect, I paid my mortgage on time and can not be punished for a mistake Associated Bank made regarding the escrow/tax amount. 
I would also like to note that, Associated Bank returned XXXX XXXX dollars from my escrow account because, in their words, we overpaid it so, how can they now, after returning us this money, say that we are late/overdue exactly because of the tax reassessment? It makes no sense. 
As documentation I'm attaching my checking account statements from the last 3 months showing the timely payments sent to Associated Bank. 
I appreciate your consideration on helping me solve this matter. 
Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: WELLS FARGO & COMPANY
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a continue case to solve for Wells Fargo ; move information needs to be given : My credit is on the line due to you not doing the right thing. I have sent you information pleading my case which is a nightmare. and of no fault of mine i have no choice but, to continue asking for an explanation why you are not taking this {$83.00} off my credit and continue making this a nighmae and destroying my life by destoring my credit, As I continue telling you that I was under XXXX care and completely loss my XXXX have to go under three XXXX. my home, my care, my bills, nurses care was in control. 
while I was totally adapping to my life fighting for my XXXX i was robbed my home, my bank accounts my credit cards, my check book bank permission was only supposed to pay my bills. The home help card used my credit cards and paid money on my wells Frago account, and used my credit cards without my permission. Your bank would have never been pick up as fraud if you didn't close out my account to automatic take out payments. so again I'm asking you to honor the XXXX dollars and remove me out of this charge off. I was not able to read your notice stating that you closed my account i believed because of the low balance. 

remember that your bank falsly open accounts in my name and also another address. Just trying to get {$83.00} off an charge off is crazy especially since you gave me a fee because of my troubles. this dispute has been going on for several years. I have recover more horrible news and becoming sick each time you are making me go to look up information to plead my case!. Cancel because of a closed account that was stopped because you bank had accounts in my name that never opened. I was afraid to trust your bank again. 

2. accounts open at my second home address please indicate where the money is that is suppose to have been deposit in my accounts 3 '. possible credit alet. 

if you can see this is very hard to understand. why this bank is doing this for XXXX dollars my credit card was used and paid for by an automatic payment and a care taker please explain why you are not accepting my claim. and please state that you fully know that this credit card was being used and paid for why a care taker only had permission to pay bills, you are indicating that you are not accepting this claim because my bills were being paid. the police gave me a police report and why you are not accepting the police report. you also had an report by the insurance company for thief I need this in writing to be able to dispute to the next level.

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