BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I went to my local Bank of America branch to deposit a {$48000.00} US government check. I have been a BofA client for over XXXX years and have several accounts. The teller told me funds would be available the next day. Later I received an email from BofA saying funds would be held till XX/XX/XXXX! I called their company twice to tell them this length of hold on a USG check is unacceptable. They suggested I go back into branch. I went back in on Friday, XX/XX/XXXX and manager chatted online with BofA clearance office who said check was being held for confidential reasons (? ). Manager said she would elevate and call me back Friday afternoon. She never called. Them holding my check is costing me money.

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 2023-01-20
Company: Capital Management Services, LP
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX/XXXX/XXXX  I reported to XXXX XXXX police department about fraudulent charges charged to my XXXX XXXX consumer credit card account in which I had no knowledge of or given permission to do. At those times I had my credit card in my possession. Caes # XXXX. Identity fraud XXXX. Ive reported this to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX phone # XXXX # XXXX. XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MO XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. Debt amount {$6600.00}. Debt account # XXXX after contacting each business I was contacted each time with account verified with just the account information with every charge and closed after reports of police fraudulent charges I didnt approve or not aware of reported. These charges where made on or before 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 2018-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 applied and received a fixed rate visa card from Bank of America,  XX/XX/XXXX - In the disclosure of the contract it specifically states the FIXED rate means that the APR " will not '' vary in accordance with the changes in a formula, such as the U.S. Prime Rate. XX/XX/XXXX BOA started raising my rate - I question them about it and their answer was " because of a change in their business practices my APR will be changed to a variable rate based on the Prime Rate. '' I have researched the original agreement, the Truth and Lending Law and XXXX-XXXX Credit Card Act and can not find any statement that says a company can change a contract regulations because of a " change in their business practices ''. The XXXX-XXXX Credit Card Act states specifically that a FIXED APR can only be changed if late payments, over credit limit, or intro offer expires. A change in business policies is not a valid reason even with notice.

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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:
On XX/XX/2023, checking my credit report I learned that someone tried to open an account using my personal information. I have a couple hard inquiries on my credit report that I did not authorize, I did not give permission for my credit being ran and I would like to be deleted off of my credit report. I am victim of identity theft.

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 2023-01-20
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: Information belongs to someone else

Complaint:
I am intrested in disputing all incorrect information on my credit report with experian.

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 2022-02-27
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have called Chase more than 10x with repeated trouble using my Chase credit card. It is constantly being blocked due to an automatic security protection measure related to trying to use the card on contactless via XXXX, but this is not warranted as all the purchase attempts have been legitimate. I have called in repeatedly to verify my purchases and to unblock my card, yet the problem occurs again and again and again. I can not keep calling in ; I am unable to use my card as intended and no one at Chase is able to prevent the card from continually being blocked on about 50 % of my contactless purchase attempts. Furthermore, I am not even told about the security measure nor asked to verify it is me attempting a legitimate purchase - instead, the card is simply denied. Chase thinks they have set these alerts up successfully, yet I have never received one. 
This is super frustrating and I can not use my card. It is untenable to expect me to keep calling in to have my card unblocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: EQUIFAX, INC.
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:
I have 2 XXXX XXXX XXXX XXXX tradelines that are showing as negative. Both are installment loans and both are confirmed last paid in XXXX with dates of last activity of XXXX as recently as XXXX. EQUIFAX/XXXX/XXXX have willfully and knowingly let this creditor RE-AGE THIS ACCOUNT which is illegal. 

Both of these accounts are STILL showing on my Credit Report after 8 years of date of last activity. Additionally, they will not respond to any letters by US Mail requesting debt validation with specific dates. They have over 30 days to respond and letter sent out over the past 4 months have gone unanswered. 

I need Equifax/XXXX and XXXX to immediately delete this accounts or risk immediate state and federal lawsuit for financial harm and willful/deliberate violations of the Fair Credit Reporting Act. How can these powerful, multi-billion dollar profitable companies have more compliance and hire personel to monitor and now allow for tradelines to re-age very very old tardiness. These credit bureaus are completely liable.

I have already filed a complaint with the Florida 's State Attorney Office and have already been in contact with a Law Firm ready to file legal action against these 3 credit  bureaus. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-03-07
Company: Early Warning Services, LLC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was the victim of an elder fraud scheme between XXXX, which included one Zelle transaction on XX/XX/XXXX. My first call to Zelle to report this was on XX/XX/XXXX when I initiated a claim of fraud and was told to follow up on XX/XX/XXXX to check the status of my claim. I called on XX/XX/XXXX and was told that they did not have a status yet but that I should follow up with them on XX/XX/XXXX because there would not be any new information before that date, and, if my funds were going to be recovered, that would happen by XX/XX/XXXX. I followed up with Zelle on XX/XX/XXXX as instructed by The Zelle Fraud Hotline Customer Claim representative and was told that my funds were not recovered and that they could not do anything further to help me get my funds returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Spring Oaks Capital, LLC
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:
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 1666 B : 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 2022-02-27
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX, XXXX AND EXPERIAN BROKE THE LAW PURSUANT 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE THESE 3 AGENCIES WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. AS OF XXXX THERE ARE SEVERAL NEGATIVE TRADELINES THAT I DID NOT GIVE MY WRITTEN CONSENT TO HAVE PUBLISHED ON MY CONSUMER REPORT. PURSUANT TO 15 USC 1681 ( a ) ( 1 ) THE BANKING SYSTEM IS DEPENDED UPON FAIR AND ACCURATE CONSUMER REPORTS. BY ALLOWING XXXX, XXXX AND EXPERIAN TO CONTINUE TO REPORT THESE INACCURACIES HAS CAUSE ME TO LOSE CONFIDENCE IN THE BANKING SYSTEM. AS THE CONSUMER, CREDITOR AND NATURAL PERSON ANY NEGATIVE TRADELINES OR NEGATIVE REPORTING ON MY CONSUMER REPORT WILL CONTINUE TO CAUSE UNJUST FINANCIAL HARM AND DEVESTATION TO MY GIVEN BIRTH RIGHT AFFORDED TO ME BY THE ONE TRUE MOST HIGH GOD.

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 2022-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
These are fraudulent inquiries on my consumer credit profile that I want BLOCKED AND REMOVED IMMEDIATELY from my profile, Pursuant to 15 U.S. Code 1681b ( a ) IN GERNERAL, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I Never gave Transunion, XXXX any written consent to report anything on my consumer report, No consent is Identity theft this is infringement and I want the following Inquiries BLOCKED AND REMOVED FROM MY PROFILE, I am demanding a deletion of this account or i will CONSULT WITH MY LEGAL COUNSEL FOR SUIT.

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 2022-02-08
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My complaint is that WellsFargo does not disclose how payments are applied to balance transfer fees or other fees. There is no written document that explains the process. They also do not provide information on the credit card statement that indicates how payments were applied to the account. For instance, how much of a payment in excess of the minimum was applied to fees, balance transfers, cash advances, or regular purchases. 
This practice has caused me to incur interest charges on my purchases. On XX/XX/XXXX, I made a payment of {$460.00}. Upon calling the company and speaking to both XXXX and XXXX on XX/XX/2022 I was informed my payment was allocated as follows : {$73.00} to minimum payment ( which was only supposed to be {$71.00} ), {$160.00} to purchases and {$220.00} to a balance transfer fee that is 0 % interest. These representatives also told me that payments are applied as follows : Minimum payment, highest to lowest APR, promotional balances, fees, and lastly principal. I filed a case XXXX and was assigned to XXXX XXXX In the executive offices. She never called me. I always had to call her. She no longer answers my calls. On XX/XX/XXXX I called her and was told that she asked another department how the fee should have been applied because she could not find any language in the documents. I called again XX/XX/XXXX and she told me that department did not know, so she was waiting on another. On XX/XX/XXXX I left another message. When I never heard back I called the main number for XXXX offices and spoke to XXXX. He said XXXX mailed a letter on XX/XX/XXXX explaining the decision. I had specifically requested the findings in an email. I asked for a manager, someone above XXXX and was told they were all in meetings and XXXX would call me the next day. She never did. I received the letter on XX/XX/XXXX that said they could not document any conversations with any representative about fees. I know the exact date, time and person I spoke with each time I called. She enclosed the terms and conditions for a credit card, but it was not for my type of card, as mine was an existing card, not a new account. Nevertheless, it did not mention how fees were paid. In fact, it specifically says higher interest rate balances are paid first. She did not disclose how she determined that fees are supposed to be paid first. I have since reopened the case.

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 2017-11-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I noticed a tax lien reporting on Equifax. I do n't owe any tax liens. I disputed it with Equifax XXXX days ago and they wont respond, yet they continue to report this error on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Universal Account Servicing, LLC
State: CO
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I applied for a loan for a course. After being in the course for less than a month I didn't like the course and I wanted to get a refund. Before they even sent me the information claiming that my loan was fully processed I emailed them and even contacted the company mentioning that I wasn't satisfied with the service and I no longer wanted the loan. I didn't receive a email back with any other information until a month later which was when they procced the loan. I don't get any emails back, I not getting any help from the company I got the course from and they told me that they are a company so they still need to make money. Before they could even process the loan I tried to contact them multiple times still haven't received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I attempted to make reservations for a hotel in XXXX on XX/XX/XXXX. I received a text notification that it might be fraudulent. I approved the charge and it when through. 

A subsequent charge was declined and I received a text I had to call to have the card reactivated ( XX/XX/XXXX ). I called XXXX times ( XX/XX/XXXX and XX/XX/XXXX ), each time being placed on hold. Once, someone picked up and told me that that they were unable to help ( XX/XX/XXXX ), then hung up before I could say anything. The other XXXX times, I was disconnected after XXXX minutes on hold with an automated message that no one was available ( XX/XX/XXXX ). 

I also contacted Citi via chat to have the issue addressed. They first told me that my card was working fine, gave me some misinformation about foreign transaction fees, and then told me to call the fraud line. 

I asked for my annual fee to be refunded as I keep this card *only* as a backup for foreign transactions, and with it being unusable and their fraud department being unreachable to resolve this, I am not receiving the service I pay for. One chat agent said they could do this if I wrote back at the right time of day, when I did that, the next agent said it was technically not possible. This wasted more of my time.

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 received a notice that I opened a loan with XXXX XXXX. I have never had a loan with this company nor have I ever applied for a loan with this company. I have asked them to provide proof that this account belongs to me and transunion told me that they had no proof that this account belonged to be and that XXXX did not provide them with documentation

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 2023-09-28
Company: Affirm Holdings, Inc
State: GA
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:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my information pursuant to 15USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: HYUNDAI CAPITAL AMERICA
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: Investigation took more than 30 days

Complaint:
During the 2020 Pandemic I had lost my job and I was struggling to pay my bills I called Hyundai Motor Finance and I was granted to have my account placed on a forbearance period in order not to have my account reported as late payments. - I was told I could pay over time at the end of the loan the 3 payments I was struggling to make in timely manner That was promised to me over the phone by the Customer representative that I called 3 times - instead I then discovered that my Account is been reported late for 3 times on contrary of what was promised to me by the Hyundai Motor Finance Rep.

I paid always on time for 6 years my car loan - never a late payment besides the issue during the pandemic - I then successfully closed the account at the end of the Loan and no money are due to Hyundai Motor Finance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: Commonwealth Financial Systems, Inc.
State: MI
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:
Im not sure of dates but one was from XX/XX/XXXXone from XXXX through XXXX that i never had or did anything for, also medical bills through the med express when i had insurance through XXXX but they never paid it and added it to my account to make my credit bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: MoneyLion 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: Account information incorrect

Complaint:
I opened a XXXX XXXXXXXX account and immediately got hit with outrages fees and tried to close it. MoneyLion refused to close it ( I have emails where they refused ) and now its a negative mark on my credit report that they wont remove. They never loaned me any money! They just took money from me and kept it. I shouldnt show a loan that I didnt receive on my credit report! Thats not fair!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation