BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-09
Company: First Help Financial, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from FIRST HELP FINANCIAL , LLC located at XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX showed on my XXXX  credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.

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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: 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. 

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, 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 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 2022-05-19
Company: JPMORGAN CHASE & CO.
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Monterey Financial Services LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX aka Monterey Financial, provided an online " Lease '', yet structured as a Loan. 

The initial purchase was {$1200.00}. To buyout the lease/loan early, the amount exceeded {$3400.00}. 

In XX/XX/2020, upon receipt of loan/lease documents, the window for a reduced early buyout of the loan had less than 12 hours to be executed. 

The following business day, I reached out and inquired about a payoff amount, in which the adviser gave me with no reduced amount, simply the monthly payment x duration of loan. They explain, " Because this is a lease, they have the right to additional fees. '' To the tune of {$2200.00} on top of the original {$1200.00}?! 

When I asked how this could be so high, it was relayed that " Details were provided in the information packet I digitally signed. You were made aware of our fees and were provided ample time for a buy out. '' Their provided time limit offered no time to gather the funds and pay the loan off early before the pay in full amount set in. I only used this service to help with building stronger credit lines. This mixed with Covid, has become a huge burden on our family. Had I known the dirty details, I would have used my credit card to purchase the products. 11 % is a darn sight better than their 200 % interest rate. 

In order to keep in good standing, I've continued to pay on time. But, this is simply wrong of them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat payment on a credit card account und open end consumer credit plan as lat purpose.

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 2022-01-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On Thursday the XXXX of XXXX, XXXX, I filed a claim # XXXX with the Bank of America Fraud Department in the amount of {$1300.00} that was taken from me through the Bank of America ATM machine. The theft was on various days starting on the XXXX of XXXX, XXXX through the XXXX of XXXX, XXXX. So as I should, I reported it this to the Fraud Department as soon as possible. However, the service and the manner of action that was taken was not only unhelpful, but vague as well. So not knowing what to do, I called again on Friday the XXXX of XXXX, XXXX to request a hardship loan from the amount of what was taken from me ; but unfortunately, they informed me that I had to wait 10 days for the claim to be in pending status before anything can be done. And even though their policy is zero fraud liability, I waited the 10 days before my next call on Monday the XXXX of XXXX, only to be informed that my claim was denied with no explanation as to why. So with much effort, I was able to reopen the claim ; although, I am to wait another 10 days before any further action can be taken. So I am back at the beginning with them ; meanwhile my bills are adding up and I am left with nothing from what was taken from me because of the lack of service and security of Bank of America Fraud Department.

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 2021-01-04
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: Credit inquiries on your report that you don't recognize

Complaint:
I reviewed my credit report and i noticed some unauthorized inquires on my report which means some type of fraudulent activity was taken place. I ask that the following Hard inquiries listed in my FTC report to be removed.

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 2021-01-04
Company: EQUIFAX, INC.
State: MS
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: Investigation took more than 30 days

Complaint:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: Experian Information Solutions Inc.
State: MO
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:
XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Request for Deletion of Closed Accounts from Credit Report Dear, XXXXXXXX XXXX  I hope this letter finds you well. I am writing to request the deletion of certain closed accounts from my credit report. I have recently reviewed my credit history and noticed that these closed accounts are still appearing on my credit report, which may be negatively impacting my creditworthiness. 

I would like to bring to your attention the following closed accounts that I believe should no longer be listed : Closed Date : XX/XX/XXXX I kindly request that you investigate this matter and take the necessary steps to remove these closed accounts from my credit report. The Fair Credit Reporting Act ( FCRA ) requires that outdated or inaccurate information be promptly removed from credit reports. 

I understand that the FCRA grants consumers the right to dispute inaccurate or outdated information and have it corrected or removed. I am confident that these closed accounts fall under such provisions. Please consider this letter as a formal dispute and request for investigation. 

As per the FCRA, I request that you provide written notification to all credit reporting agencies to delete these closed accounts from my credit report. Furthermore, I request that you send me a written confirmation once the necessary actions have been taken. 

I appreciate your prompt attention to this matter. Should you require any additional information or documentation from my end, please let me know, and I will gladly provide it. I trust that you will handle this request in accordance with the guidelines outlined in the FCRA. 

Thank you for your understanding and cooperation. I look forward to a swift resolution of this matter. 

Sincerely,

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 2023-05-15
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I opened a store credit card at XXXX XXXX in XXXX. The XXXX XXXX store went bankrupt, and the card was transferred to Citi Mastercard on XX/XX/XXXX - Showing up as a new account on my credit report. Because Citi closed the account, I do not have a card or card number to find the account and access it. I have automatic payments set up, and on my XXXX bank account, Citi Mastercard takes {$22.00} on the XXXX of every month toward this account, keeping the account in good standing. I have tried multiple times over the years to pay this account in full, and Citi claims they can not find the card. The balance as of XX/XX/XXXX, is {$850.00}. No one at Citi Mastercard can find this account for me to pay it in full. I was on the phone for 6 hours, transferred to multiple locations, and talked to over 16 people on XXXX XX/XX/XXXX, starting at XXXX EST. I started with the number listed on my credit report XXXX, under this account. The name associated with my credit account with this card is " Citibank/CBNA '' address listed is po box XXXX XXXX XXXX SD XXXX XXXX - XXXX. I did find a person in the " Best Buy '' Citi credit card center that said they could see the card but could not help me pay it. My bank XXXX XXXX XXXX gave a trace number for the payments of XXXX. I can not understand how a company listed as taking the money out of my checking account is " Citi Mastercard '' and on my credit report as " Citibank '' can not find the account for me to pay it in full. Someone at Citibank has to be able to find this account for me to pay it in full. If they are taking money out of my bank account, they should be able to find what account that money is going into.

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 2022-01-07
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief
Consumer complaint received 2023-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a {$550.00} USPS money order XX/XX/XXXX at Bank of America. I asked the person that processed my deposit if there was going to be a hold and they said no money orders are not put on hold. The attached receipt does not state a hold. When I arrived home, I accessed my email and there was a notice that a hold had been placed on my deposit until XX/XX/XXXX. I accessed my BOA account, and it stated the funds would be available the next day. This morning the message in my account changed stating there is a hold until the XXXX. Everyone I talk to at BOA states money orders are not placed on hold. I called the XXXX GA branch ( XXXX ) XXXX and they transferred me to the holds department she said she would call me back in a couple of hours to make sure the issue was resolved, but my phone has not rung yet. I was transferred to the Hold Dept. ( XXXX ) XXXX. The employee I spoke with stated she tried to remove the hold but could not. The rep stated she was going to escalate the removal of the hold. I was then advised it could take 24-96 hours before the issue is resolved. I have been with BOA for 30 years and there have been no problems with my account. 

As I told the employee that advised me it could take 24-96 hours, I would charge BOA 29.50 % interest compounded daily until I am made whole.

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 2022-01-07
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:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on 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 non-monetary relief
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. 

XXXX : # XXXX, XXXX XXXX : # XXXX, 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 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 2023-01-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo implemented a policy that I would get paid 2 days early without the option to opt out. I like getting paid every 2 weeks on Fridays like I have been paid for 20 yrs. This week the put my paycheck from my employer in my checking account 2 days early without asking for approval. When I called to get this new early pay policy revoked from my account, they told me they couldnt and this was happening to all their customers. I should have a choice and not be dictated as to when I get my paycheck.

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 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
DEPTEDXXXX {$0.00} Closed 2 late payments DEPTEDXXXX {$0.00} Closed 2 late payments DEPTEDXXXX {$0.00} Closed 2 late payments DEPTEDXXXX  {$0.00} Closed 2 late payments DEPTEDXXXX  {$0.00} Closed 2 late payments DEPTEDNELNET {$0.00} Closed 2 late payments DEPTEDXXXX {$0.00} Closed 2 late payments DEPTEDNELNET {$0.00} Closed 3 late payments DEPTEDXXXX {$0.00} Closed 3 late payments DEPTEDNELNET {$0.00} Closed 3 late payments DEPTEDXXXX {$0.00} Closed 3 late payments DEPTEDNELNET {$0.00} Closed 3 late payments DEPTEDXXXX {$0.00} Closed XXXX late payments all not mine and filed ftc dress XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX address not mine XXXX XXXX Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/2020 StatusCollection account. {$210.00} past due as of XX/XX/2020. 
Status UpdatedXX/XX/2020

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 2023-07-19
Company: Chime Financial Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have sent them all the documents, emails, phone calls, and chats for a week and they still do not want to unlock my account. Even when I was told I will be out of my hotel room by XX/XX/2023 and have any money for food, laundry, pay for my room, and to ride the bus. I can't even put my checks in my account to cash and I fled from XXXX XXXX. They still did nothing. I will be homeless or forced to go back to the XXXX place I just left because of them. 
Email dates : XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2023 XXXX XXXX, XX/XX/2023 XXXX, XX/XX/2023 XXXX XXXX  Phone dates : XXXX, XXXX, XXXX, XXXX Chat dates : XXXX If you need more please contact me ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: DISCOVER BANK
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:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: CITIBANK, N.A.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Personal loan account has never been late, and paid on time each month using autopay through my bank account. Creditor continues to say that my account is past due, and that I have late fees. This has hurt my credit rating immensely. Creditor and credit reporting agencies keep updating delinquent information as being correct when it is not.

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