BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: NC
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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 2022-07-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After looking at all of my credit reports i noticed accounts that i didnt recognize, i have had my information compromised a while back and i think some information has been falsely used. Please remove the following account and account number from my report. 

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 2022-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Other problem

Complaint:
Bank of the America, which is the Bank I use for banking for over 10 years, for some reason it is showing that they ran my credit report in XXXX i tried to ask them why was that in my credit report and they refuse to give me a reason why they ran my credit. Since they refuse to let me know what happened there, I just believe this was illegal since I gave no permission, so I want to dispute this from my credit report. 
BK OF AMER Address XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until 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 explanation
Consumer complaint received 2019-03-15
Company: TekCollect Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
About mid-XXXX a door to door salesman came and offered bug-spraying services for out home. He said he would get us a great rate at {$10.00} for the first service and {$25.00} per service for the rest of the year. We agreed and got a charge for {$10.00} to start on XX/XX/2018. Then, a month later on XX/XX/2018 I got a charge for {$89.00}. Since this was well over the {$25.00} promised amount, I immediately disputed the amount above {$25.00} with my credit card company. That dispute was lost and I had to pay, so we refused further payments and services. Now we are getting a bill for {$200.00} which seems exorbitant to me, and very different from the product we purchased. We had 3 total services, so our total paid should have been {$10.00} + {$25.00} + {$25.00} for a total of {$60.00}. I'm not sure where the {$200.00} bill came from, as per our understanding we have paid over the agreed amount already for services received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
CALLING BANK OF AMERICAS XXXX At a Bank of America branch, I begged the clerk in charge of business accounts XXXX and the manager XXXX XXXX to help me order checks. The complexity ( and I had learned from the credit card fiasco that can doom the transaction ) was this : On the check should be printed my new address, as of XX/XX/XXXX, in OH. ( The relocation is business-driven. ) The checks should be shipped to my current in XXXX since I have only a few checks left and relocation involves writing checks right now. 
Both XXXX and XXXX XXXX told me to do what I told them I had done last night and it didn't give me access to anything : That is, call the customer service number provided by Bank of America XXXX. They did not listen. That links into credit card services. Not to the bank per se or to checking. 

I had no choice but to start at that point again. They " allowed '' me to sit in their lobby and go about this journey of extreme frustration. 

Yes, it was the credit card number. For 16 minutes XXXX kept informing me he would help me, taking in copious details. He never informed me that he was not authorized to help, though. He was in credit cards. However, after 16 minutes he told me that he would pass me on to someone who could. He indicated he would brief someone with the details. 

That didn't happen. It was a cold transfer. From there was another cold transfer to business checking at XXXX. In business checking there was XXXX. Why didn't XXXX or XXXX XXXX give me that direct number to business checking? 

Was XXXX successful in accomplishing that mundane task of getting checks from me? I will know that in 10 business days. For express shipping the fee is over {$70.00}. Plus the almost {$30.00} for the checks per se.

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 2022-07-22
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My prepaid debit card with American Express prepaid debit card was funded by my Social Security Income with backpay of XXXX XXXX I was hospitalized from XXXX and during that time there were numerous ATM withdrawals of XXXX $ and XXXX $ at various locations. These were not authorized by me and I don't know who withdrew the money from my account. I already reported it to the bank and they denied my dispute. They want me to request in writing how they reached their conclusion of their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX am sending this information personally and on my own behalf. The account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Account No. : XXXX is being reported to the Credit bureaus incorrectly and without my consent and therefore should not be on my consumer report. 15 USC 1681 states that I have a right to privacy and section two of that same law 15 USC 1681 Section 602 section 2 states that a consumer reporting agency can not furnish an account without my written consent I HAVE BEEN VIOLATED AND DEMAND THAT THIS ACCOUNT BE REMOVED. XXXX XXXX XXXX can not produce any documentation proving that I ever had a contract with them, in fact they can not produce any signed contract with my signature. XXXX EXPERIAN AND XXXX did not verify any of this information before publishing this information which is another violation of my rights. Also if a consumer disputes the validity of a debt or any portion of a debt the collection agency must cease collection of the debt. ALSO BILLING STATEMENTS ARE NOT EVIDENCE OF A DEBT and providing statement is not validating a debt.

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 2023-10-13
Company: CNG FINANCIAL CORPORATION
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602, which states I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: WELLS FARGO & COMPANY
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
This is in regards to the the complaint that was closed with explanation. I do not agree with the explanation as there is not a single unauthorized transfers in my account and none of my customers who have transfer funds into my account have file a complaint or needed a refund. 

I need to see which of the transfers Wells Fargo is claiming to be unauthorized. I spoke to the executive and theyre saying they know which ones are because there isnt none. 

Can I have a list of so called unauthorized transfers? Since its not reflecting in my account activity and none of the executives can tell me which ones are.

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 2023-05-26
Company: Global Lending Services LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Global Lending Services Account XXXX. XXXX, has violated my rights as a consumer in several ways. 
1. Global Lending has denied my request to pay off the account according to the Retail Installment Agreement. 
2. Global Lending refuses to send the title to my vehicle after denying my request to pay off the vehicle. 
3. Global Lending has charged off and reopened the account it several times. Each time the account is reopened, more money is added to the balance. 
4. Global Lending has charged off the account, and has not provided to me the proper IRS documentation. 
5. Global Lending is reporting the tradeline on other individuals credit reports. 
6. The company has made changes to my original contract without my knowledge, approval, nor signature. 
7. The company has denied sending a copy of the original retail contract for over a year. A copy of the contract was provided after submitting a CFPB complaint in XXXX of XXXX. 
8. The company has reported incorrect payment information to the credit bureaus on a consistent basis. As of today, on XXXX, the account indicates that I was never late and the account being closed on XX/XX/XXXX. On XXXX the account is listed as being charged on XX/XX/XXXX. 
9. The last payment I made to the creditor was XX/XX/XXXX. Global Lending is reporting I last made a payment .on XX/XX/XXXX. 
10. The creditor falsely reports that I have made payments in XXXX ; reporting 30, 60, and 90 late statuses on the tradeline to all 3 credit bureaus. On XXXX, the account was closed and reopened reporting to my credit report as follows : 1. XXXX XXXX days late : Balance {$12000.00} 2. XXXX XXXX- 60 days late : Balance {$12000.00} 3. XXXX XXXX Closed : Balance {$12000.00} 4. XXXX XXXX Closed : Balance {$12000.00} 5. XXXX XXXX Closed : Balance {$9400.00} 6. XXXX XXXX Closed : Balance {$9400.00} 7. XXXX XXXX Closed : Balance {$9400.00} 8. XXXX XXXX30 days late : Balance {$9400.00} 9. XXXX XXXXClosed : Balance {$9400.00} 10. XX/XX/XXXX - Closed : Balance {$9400.00} 11. XX/XX/XXXX - 30 days late : Balance {$9400.00} 11. When disputing the inaccurate information with the credit bureaus, Global Lending verifies the inaccuracy as being valid information. 
12. I have reported Global Lending to the Illinois States Attorney Generals Office. They were nonresponsive for months. I was advised to retain counsel for their malicious practices. 
13. I have disputed this account several time with XXXX, XXXX, and XXXX. All bureaus continue to report inaccurate information. I have been advised by all 3 bureaus my dispute was frivolous, and they will not investigate. 
14. All parties have been reported to the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
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:
In accordance with de Fair Credit Reporting act XXXX accounts, has violated my rights. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-07-22
Company: EQUIFAX, INC.
State: DE
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 the accordance with the fair credit reporting act XXXX XXXX ( XXXX XXXX ) XXXX has violated my rights. 

15 U.S.C 1581 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 response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, My complaint is with Loan Care.  My account was just transferred over from XXXX in XXXX  2019.  

My problem is that they do not use their "unapplied" account to hold incomplete mortgage payments.  Which I learned the hard way.

I was behind on my mortgage about 3 months.  I am XXXX XXXX so my income is not that consistent or timely should I say as things may happen with deals...

I made an arrangement to make 2 payments because that is what they would accept.  (Luckily in my job when I do get paid it's a lump sum but what about people that have regular steady pay and cant come up with XXXX in a mth...)  I ended up sending in the wrong amount by XXXX.  Instead of someone calling me they send ALL the money back to my account.  This in turn made the amount I had available for the mortgage Payment less because I had other automatic payments coming through my account but of course the mortgage is 1st priority.   This was my 1st payment with them so I had no idea they send incomplete payments back.  Not only that but you have to make 2 pmts at a time if you are behind instead of you being able to send what you have.  This also eliminates the option to pay your loan bi weekly  as I had been accustomed to.  It's a mess that I'm trying to fix.

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 2023-10-13
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took a loan out to help my grandmother. She passed away and Ive had trouble making payments since Ive been taking care of her stuff and legal fees. Tower loan does not care and has called me 16 times within a 10 minute period and then 3 more times from the managers personal phone number. They have called people that have denied giving them information and to stop calling and continue to call 4-5 times a day. The manager has also texted me threatening me if I dont answer his phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Every month I am charged a Purchase Fee on my credit card ; although I remit payments above the minimum. No one can explain to me either at the bank or customer service what this interest rate is for considering I havent used the card in months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The unverified account listed below continue to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Balance {$12000.00}.

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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 the accordance with the fair credit reporting act XXXX XXXX ( XXXX XXXX ) XXXX has violated my rights. 

15 U.S.C 1581 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
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:
I am submitting this complaint against HSBC Bank for closing my accounts for retaliation against me. 

In the past, I made complain against HSBC Bank for not resolving fraudulent purchases on my credit card, complaint number { XXXX }. HSBC never respond to that complaint, but go ahead closed all my accounts with them ending XXXX and XXXX. Stating that after reviewing my accounts they decided to end a relationship with me. I called and ask HSBC to give a reason why they decided to closed my accounts, but they never give me any answer. 

In my opinion, HSBC closed my accounts for retaliation and violation of the fair credit rules. 

I am requesting this department to take appropriate action against HSBC Bank to protect my rights. And also request HSBC Bank to bring all the balance on those accounts into XXXX because they have violated the terms of those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checking account online on XX/XX/2023. During the application process, I provided my XXXXXXXX XXXX XXXX  savings account information ( routing number and account number ) and requested {$25.00} to be transferred from that account to the new BofA account as the initial opening deposit. {$25.00} was deducted from my XXXX savings account on XX/XX/XXXX. It is XX/XX/XXXX today and {$25.00} still doesn't show up on BofA Checking account. I chatted with BofA agent online, who said she doesn't see any {$25.00} transfer from XXXX XXXX and told me to call XXXX ( despite the fact that BofA is the one who pulled {$25.00} from my XXXX account ).

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 2022-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
someone tried to use my identity to open a capital one credit line. I have a good idea of who it is. I'd like to receive a police report to press charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 section 602 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

Accounts XXXXXXXX XXXX XXXX # XXXX and 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