BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had a balance transfer offer from a Bank of America credit card. That's why I did the balance transfer, and I also have regular purchase transactions with the same card. The bank keeps charging interest on the purchase, although I pay in full every month. Sometimes the interest is more than the purchase amount. I have credit cards from other banks too. I never experienced this with another bank.

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 2023-09-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXX  Balance : {$32000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX  Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: Monterey Financial Services LLC
State: IL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/23 I was in a webinar for a travel club, XXXX XXXX  XXXX XXXX. I was told a series of puffery sales pitches. I paid XXXX on my XXXX and then financed XXXX. The total was XXXX. After I got off of the XXXX  and received the login information for the travel club, I signed in and discovered that the discounts that they touted was an exaggeration. I then contacted Monterey Financial and they said that the sales contract with XXXX XXXX  was final. I said that I thought that all financial contracts had a XXXX  day period to cancel or rescind. I was never told that the contract was final and that I couldnt cancel after looking over the contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: OpenRoad Lending
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Hi. I already filed a complaint, which has the following complaint number because it was supposed to have been " resolved '' by a prior complaint here, and OpenRoad Lending was supposed to send me a {$120.00} gift card to reimburse me for financial loses due to finance charges paid on a loan they forgot to fund. I got the gift card today and activated it and they " FORGOT '' to FUND THE CARD! So they forgot to fund my car loan, making me late with my original lender and costing me daily finance charges for 10 days to pay two car loans from two lenders on one car. And they rectified that by forgetting to fund the gift card to reimburse the 10 days of finance charges that they charged me for a loan I never had because they forgot to fund it. Is such a coincidence even possibly accidental? Here is my original complaint, which I reassert since it is entirely unresolved by this {$0.00} balance, UNFUNDED, gift card. XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: EQUIFAX, INC.
State: CA
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 only have one student loan and Equifax is showing it four times with incorrect information. Three times as my loan is in deferment and one that I am past due. The past due is a duplicate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act 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 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 2018-11-29
Company: Bread Financial Holdings, Inc.
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I HAVE BEEN TREATED SO BAD BY THIS CREDIT CARD COMPANY XXXX XXXX XXXX.. I HAVE TRIED TO FILE FRAUD WITH THEM THAT HAD BEEN ON MY CREDIT CARD FOR A WHILE NOW AND THEY WILL NOT HELP ME AT ALL. THEY CLOSED THERE ACCOUNTS AND ARE NO LONGER IN BUSINESS I BELIEVE AND NOW THEY WONT HELP ME AT ALL.. I WAS CHARGED FOR SEVERAL CHARGES ON MY ACCOUNT AND I NEVER AUTHORIZED THESE TRANSACTIONS OR DID BUSINESS WITH THESE SAID COMPANIES. I WAS SPEAKING WITH THE SAID COMPANIES BUT NEVER DID BUSINESS BECAUSE I WAS UNDER THE INFLUENCE AND WAS NOT ABLE TO MAKE THAT DECISION AT THE TIME OF THEM TRYING TO GET ME TO PAY THEM. WELL THEY ENDED UP GETTING MY INFO AND CHARGING MY ACCOUNT WITHOUT MY CONSENT WHICH IS ONE AGAINST THE LAW IF I WAS UNABLE TO MAKE DECISIONS UNDER THE INFLUENCE AND I NEVER AUTHORIZED THESE TRANSACTIONS TO COME OUT OF MY ACCOUNT. THIS IS SENIOR CITIZEN ABUSE AND THIS IS NOT RIGHT. PLEASE HELP ME GET MY MONEY BACK FROM THIS CREDIT CARD COMPANY THAT WILL NOT HELP ME ESPECIALLY NOW THAT THEY ARE GOING OUT OF BUSINESS OR WHATEVER THEY ARE DOING. I LIVE ON A FIXED INCOME AND CAN NOT AFFORD TO PAY FOR THIS CREDIT CARD BILL AND SHOULD NOT HAVE TO IF I NEVER AUTHORIZED ANY OF THESE CHARGES. THANK YOU FOR YOUR TIME IN THIS MATTER

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For Transunion/XXXX/ XXXX & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX ACCT : unknown AMT :  {$380.00} XXXX XXXX XXXX ACCT : unknown AMT :  {$440.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX/XXXX XX/XX/2020 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and TU via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from Transunion, XXXX and XXXX, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. TransUnion and XXXX all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XX/XX/2020 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 2023-04-07
Company: Experian Information Solutions Inc.
State: FL
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 following accounts has violated my rights. 

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 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 2019-10-10
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:
When requesting my annual credit report, I asked In what State a XXXX XXXX Lived? 
I have never met XXXX XXXX! This coupled with a significantly lower credit score than XXXX. Has me very suspicious. I have not missed a payment in years and all credit card balances are automatically paid in full each month other than ones that have extended no-interest loans for a predetermined period.

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 2019-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are several items reporting incorrectly on my credit report due to fraud or error : Incorrect personal information reporting on my credit file : Telephone numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Correct Contact Number : XXXX Incorrect Account Status : There are 8 accounts reporting that I was late and I was never late. 

Dept of Education/XXXX - I was never late.

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 2020-04-29
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was charged by {$90.00} in Transaction Limit Fees on my account ending in -XXXX. There was {$75.00} charged on XX/XX/XXXX and {$15.00} more charged on XX/XX/2019. BMO Harris Bank claims that these fees were charged as per federal Schedule D regulations, due to making more than 6 transactions in a statement cycle. However, I was under the impression that the account ending in -XXXX is a checking account, and the Schedule D regulation only applies to savings accounts. 

The fact that this account is a checking account was confirmed when speaking with a representative when I opened my account, and to this date, the account still shows as a checking account in BMO Harris online banking. The bank 's fee schedule does show this fee for savings accounts, but not for checking accounts. 

I reached out to BMO Harris Bank customer service on XX/XX/2019 to discuss the fees and the representatives insisted that they could only offer me a refund for half of the fees but not for all of them. It is completely ridiculous since most of the transfers were less than {$1.00} test transfers and yet I was ultimately charged by {$45.00} in fees. 

I would kindly like to request that the remaining fees be reversed since this is a deceitful practice and the fees should not have been charged to begin with.

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 2023-08-30
Company: JPMORGAN CHASE & CO.
State: KY
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:
I reported a fraudulent purchase to Chase bank back on XX/XX/XXXX for the amount of {$1400.00}. They returned the funds to my account and told me that the money would remain in my account until the investigation was over and a determination had been made. On XX/XX/2023 I got an email saying that my claim had been overturned and that the amount of {$1400.00} would be taken out of my account because the merchant had evidence the transaction was valid. The email also went on to say to contact Chase Bank Claims Department if I would like to request the information they used for the research of my claim. I have contacted the Chase Bank claims department at least 6 times since XX/XX/2023 to request the information used to research my claim and still have not been sent the information. Every time I call the claims department they apologize and tell me that they will resend the information to my address and that it will be at least 10 business days before I get the information. I have confirmed my home address with Chase Bank at least 5 or 6 times and for some reason they can not get me the information that I am requesting. I have even spoke to a supervisor and still have not received the information I have requested several times. At this point I dont even believe that my claim was researched because I can not get the information to prove it. Im starting to believe that the Chase Claims Department just took the merchants word for it instead of researching my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
To whom it may concer this letter is a formal complaint tht this company is violating several of my rights under the FCRA.In 15 usc 1681a2 under Exclusion states Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; However your company is reporting a late payment which Constitutes an experience and transaction to which both are part of the exclusion law stated above.Furthermore under 15 USC 1681 congressional findings ( 4 ) states there is a need to insure the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy to which this company has failed to do.the following accounts on my credit report which are reporting illegal. 
XXXX XXXX XXXX account # XXXX latepayment. 
Dept of education account # XXXX/late payment. 
Dept of education account # XXXXlate payment. 
Dept of education account # XXXXlate Payment. 
Dept of education account # XXXXlate payment. 
Dept of education account # XXXX/late payment. 
Dept of education account # XXXXlate payment.

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 2019-07-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I paid {$29.00} to my credit monitoring account to review all three credit bureaus and became aware that there were significant fraudulent accounts on my credit reports. After reading my rights as a consumer in the Fair Credit Reporting Act, I typed and signed a dispute letter accompanied with an Identity Theft Affidavit by the Federal Trade Commission as well. I sent all three letters and their contents to all credit bureaus, Experian, XXXX and XXXX XXXX on XX/XX/XXXX and I confirmed all three bureaus received them on : Experian Tracking : XXXX Delivered XX/XX/XXXX, XXXX XXXX Tracking : XXXX Delivered XX/XX/XXXX and XXXX tracking : XXXX XX/XX/XXXX delivered. I know I have to give the credit bureaus legally 30 days to investigate and process, however it is now XX/XX/XXXX ( 40 days since the credit bureaus received my packages ) and I paid another {$29.00} to my credit monitoring accounts only to discover that NONE of the disputed accounts have been removed from my credit. I am writing to the Consumer financial protection bureau to assist me on this issue and correct it as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I've seen no changes for the accounts that I have filed last month. I still see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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 name is XXXX 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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 explanation
Consumer complaint received 2020-07-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I answered an ad for someone selling doberman puppies on XXXX on XX/XX/2020. I texted back and forth with the seller about the details about the puppies. The breeder said that the puppies will be only available in 8 weeks but he is taking deposits. He said that they will be available on XX/XX/2020. I asked him to call me which he did and we discussed the process of how the ears  will be cropped. He said that the puppies are {$1600.00} but if you pay in full early that the price drops to {$1300.00}. I asked him if I could pay him {$500.00} today and {$800.00} on the following Tuesday, he said yes but they only take payments through XXXX. I though that was not an issue since XXXX is promoted by my bank Wells Fargo and they have fraud protection. I asked the breeder for references and he said that he will send them to me shortly. I sent the breeder {$500.00} and still had not seen the references the seller told me they would send. The strange thing is the breeder had a XXXX VA area code and the ad was posted in XXXX Florida. A couple hours passed and I still did not get the references. Out of curiosity, I checked the XXXX ads in XXXX VA for doberman puppies and saw the same exact ad in XXXX VA with the same phone number. I texted the seller and still did not hear back from them. I realized that I was scammed and tried to file a dispute with my bank right away. I then found out that XXXX payments cant be disputed because I sent the money. How is this possible? Please help me get my {$500.00} back. How is there no fraud protection.

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 2020-07-19
Company: SIMM Associates, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received another letter from SIMM Associates, Inc dated XX/XX/XXXX stating that I owed a balance of {$3400.00} on my XXXX account. I do NOT have a XXXX account. I have received previous letters in XXXX and contacted XXXX to report and they also confirmed there was no account under my SS #. I have received no other written/verbal/email communication about this supposed debt.

Company response to consumer: Closed with explanation