BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
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 was called on XX/XX/2022, with a phone number that said " Bank of America ''. I was told that it was a bank representative and that someone was fraudulently using my checking account. I was instructed to transfer all of my money to " myself '' using a XXXX account. I was told that I needed to transfer all of my money immediately so that it could no longer be fraudulently used. I transferred the money because as I have stated, the caller ID said " Bank of America '' and the supposed " representative '' knew exactly how much money was available in my bank account. I transferred the money. I was told that the funds would be available in my bank account the next morning. The funds were not there. It was a total of {$2700.00}. I called my bank when the money did not show up and they stated that they did not call me. I filed a claim and then I received a letter about a month later stating that they are unable to replace the funds. The claim number is, 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 2020-12-03
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: Public record information inaccurate

Complaint:
I am attaching a copy of my most recent correspondence to a credit line provider, XXXX, regarding their incorrect reporting to credit agencies for my loan for a property in XXXX. I have not received a reply since sending this communication back in XXXX and have paid that line off completely since. Evidently, my plea to right their entry on my credit report has been ignored by the lender. Details of the request below : I reached out to XXXX to clarify the fact that the missed payments on my loan # XXXX were reported on my credit report despite the loan 's having being XXXX in the bankruptcy of my co-borrower. 

In the attached communication to the company, I detailed the circumstances of this loan and all of my bone fide efforts to regain control of the property and my eventual successfully executed transfer of title to my own 100 % ownership through a quit claim deed signed by the bankruptcy-discharged co-borrower.

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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 

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 2018-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
There is an issue with the reporting agencies using their own methods of scoring a FICO score. I read on the FICO website that the agencies are allowed to use their own method to score a FICO score, WHY? IF businesses are using a FICO score in which the standard of that score keeps changing, then how is that Fair Credit Reporting? I recently needed a FICO score for a home mortgage application and the FICO from all three agencies were vastly different with the bottom score being 80 points lower from the top score. Needless to say I didn't get the loan. These agencies need to be held to a single standard if businesses are going to use them in their credit reports and analysis of peoples credit applications.

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 2023-03-16
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
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 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 a payment on a credit card account under an open end consumer credit plan as late for any 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 2023-03-16
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This complaint is in reference to the multiple state and federal violations and non compliant matters regarding the automobile loan contract between I, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Santander Bank ) regarding the vehicle XXXX XXXXXXXX XXXX Non compliance of the Truth in Lending Act 15 USCA No. 1601 et seq- Federal Law/ violations of Regulation Z- Federal Reserve Regulation Violation of the United States 1605 ( c ) Determination of Finance Charge Violation of 12 CFR 226.4 ( a ) Finance Charge ( d ) written disclosure of Total Premium costs Non compliance of FCRA, an amendement of Truth in Lending Act ( TILA ) XXXX XXXX has failed to divulge accurate details for an extensive period of time that is still reported with the main credit bureaus inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: Experian Information Solutions Inc.
State: TX
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:
This Letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify all data for this account is reporting accurately including every notation, date, and balance whether reported or not. 
XXXX XXXX Account # 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 2022-09-02
Company: Radius Global Solutions LLC
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX - Balance reported as XXXX starting on XXXX was the collection XXXX XXXX XXXX Balance reported as XXXX starting on XXXX was in collection XXXX XXXX  C Balance was reported as XXXX starting on XXXX RADIUS GLOBAL SOLUTION Balance was reported as XXXX starting on XXXX XXXX XXXX  XXXX Balance was reported as XXXX on XXXX XXXX XXXX balance was reported as XXXX on XXXXXXXX XXXX XXXX XXXX balance was reported as XXXX on XXXX RADIUS GLOBAL SOLUTION balance was reported as XXXX on XXXXXXXX XXXX XXXX XXXX Balance was reported as XXXX on XXXX XXXX XXXX C Balance was reported as XXXX on XXXX XXXX XXXXXXXX XXXX Balance was reported as XXXX on XXXX ACCOUNT NAME UNKNOWN Balance was XXXX as of XXXX XXXX XXXX  Balance was reported as XXXX as of XXXX XXXX XXXX Balance was XXXX as of XXXX XXXX XXXX Balance was XXXX as of XXXX XXXX XXXX Balance XXXX as of XXXX RADIUS GLOBAL SOLUTION Balance was reported as XXXX as of XXXX XXXX XXXX Balance was reported as XXXX as of XXXX XXXX XXXX Balance was reported as XXXX as of XXXX All of these accounts are listed as MEDICAL accounts at a time in which I had health insurance and I was told that the premiums for each visit would be covered. This information on my report needs to be reviewed because I do not feel that I should be held reliable for these charges. Thank 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 explanation
Consumer complaint received 2023-06-25
Company: Experian Information Solutions 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:
This Letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify all data for this account is reporting accurately including every notation, date, and balance whether reported or not. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: JPMORGAN CHASE & CO.
State: AZ
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 have contacted Chase multiple times via phone and email trying to get explanations/detailed calculations on my interest charges. I was charged interest during periods when I had 0 % balance transfer offers and should not have been charged interest, and also could not reconcile the " balance subject to interest. '' ( It should've been XXXX ) I contacted Chase via phone on XX/XX/XXXX and also via email on XX/XX/XXXX, and XX/XX/XXXX. 
I very clearly outlined my request and even attached screenshots. However, Chase blatantly ignored my requests and sent me generic responses stating they charge interest. 

This was a message I sent on XX/XX/XXXX : I am trying to find out why I'm being charged interest on these statements : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I can not figure out where you are getting the " purchases '' amount for any of those statements as they don't match up with anything. Most of my balances were/are 0 % payment plans or 0 % balance transfers. On the XXXX statement I had a charge where I didn't pay the full amount and would expect a slight interest charge on the XXXX statement, but I still can not make numbers match up. Can someone please let me know if your system has an error? And if there is no error, please show me how the purchase balance and interest was calculated on the XX/XX/XXXX statement, ( It says balance subject to interest was XXXX ) and also the XX/XX/XXXX statement. 


Here is their response : XXXX, The balance subject to interest is the average balance carried throughout billing cycle per balance segment : calculated by adding every day 's ending balance and dividing that amount by number of days within billing cycle. That amount is then used to calculate applicable interest charges using its respective APR. The details about how to calculate the interest charge and balance subject to interest rate are outlined on the back of your statement and in the Interest Charges section of your Cardmember Agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Capstone Credit & Collection, LLC.
State: WI
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:
I filed an dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly ( 90 ) to ( 120 ) days late on the ATTYGENERL partial account number XXXX. ( Please page 9 of the attached credit report. ) My child support payments were being sent by the State to my ex-wife directly on a monthly basis. There was an accounting error on the States part by not taking out the appropriate amount on my first paycheck and consequently the payments never caught up so there were late charges. I was never notified of this account error, no letters, no telephone calls, no email correspondence, or any attempt to let me know that I was delinquent. I did not know of this delinquency until I filed my taxes. This accounting error was not my fault. I have contacted the two bureaus to fix this, however I have not been successful. This incorrect reporting is harming my credit score and these lates need to be removed 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 2022-12-13
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good morning, we're writing to you, with the hopes that you will assist us in our discussions with Webster Bank. 

We purchased the building that my father lives in in XX/XX/XXXX. This building also has restaurant in it and it has only been brought to our attention, after we spoke with Webster Bank last week, that our loan was written as a BUSINESS loan and not a mortgage. 

The instrument of security that was used for this loan is, in fact, my sister 's home. We are behind on our payments and Webster bank has informed us that they intend to pursue the publication and sale process, on our property - the sale date is scheduled for XX/XX/XXXX. 


To make matters worse, in XX/XX/XXXX we had the loan modified and were instructed by the attorney representing Webster Bank that are payments would be {$3300.00}. We made 4 payments at that amount and were contacted by XXXX XXXX and informed that that was not, in fact, our payment. She demanded that the difference be paid in one lump sum and that has brought us to this point. 

There are a number of legal issues, surrounding this loan, as you can see and we would appreciate your assistance in getting this matter resolved and getting back to good faith payment - with an actual mortgage on the property and not a business loan. 

Thank you for your assistance with this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/XXXX, I made an online international wire transfer from Chase Bank to an account of XXXX at XXXXXXXX XXXX in the Philippines in the amount of {$92000.00} at an exchange rate of XXXX which should have been converted to {>= $1,000,000}, however, the transfer was rejected. I then received a phone call from XXXX on the XXXX around XXXX telling me that I needed to resubmit the transfer online because it had been rejected. I then resubmitted the transfer for a second time but that was also rejected. The representative stayed on the line while I resubmitted the transfer for a XXXX time which then was completed successfully. I asked him at what rate the transfer would be received, and he told me it would be received at the rate at the time of the completed transfer, which was at XXXX on the XXXX. XXXX called me on the XXXX to say they had not received the transfer and wanted proof that I had sent it on time. 
Then on the XXXX, they called me again to say that the amount received by XXXXXXXX XXXX was actually XXXX. XXXX and XXXX Bank also claims that they didn't receive the transfer until the XXXX and is requesting that I pay the difference of XXXX or they will impose penalties on the balance. I went to Chase Bank ( XX/XX/XXXX ) in XXXX XXXX XXXX Fl, and spoke to XXXX. I asked her to explain why the funds were debited from my account on the XXXX and not sent to XXXXXXXX XXXX until the XXXX. I also asked where the funds had gone to since it was debited from my account on the XXXX, and I also asked at what rate was the funds sent. She replied that she did not have any information about this, but she will email the department responsible ( since there was no way to contact them by phone ) and would give me an update. The following Tuesday ( XX/XX/XXXX ), since I did not hear from XXXX, I decided to visit the bank again, where I spoke to someone else who said she would call XXXX, ( since it was her day off ) and follow up with me. She called me to say that the wire transfer department had not responded as of yet, but she will keep me posted when they do. I didn't hear anything more from the bank, so the following Tuesday, ( XX/XX/XXXX ) I went back to the branch and left there with no answers again, and this time a banker said she would follow up with the previously sent email and call me. This was never done. I did receive a call from customer service after that visit, where the person said that she would follow up on the emails and escalate the claim. Since then, haven't heard anything else. Today, XX/XX/XXXX, I called customer service to see if anyone there could give me some answers, but I left there even more confused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
someone has access to my personal information and is using it to open fraudulent accounts

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 2022-09-03
Company: Credit Karma, LLC
State: AZ
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:
For approximately the last 2 years Credit Karma told me I was pre-qualified for credit cards only to be denied and have a hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
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: Public record information inaccurate

Complaint:
In XX/XX/XXXX, a forbearance request was made and approved by XXXX XXXX for 2 XXXX XXXX backed mortgages. In XXXX of XXXX, both of these mortgages were sold to XXXX XXXX XXXX. Upon transition of the two mortgages to XXXX XXXX XXXX ; XXXX XXXX then reported to all 3 credit bureaus that the 2 mortgages were delinquent and in collections. This effectively has dropped my credit score by 150 points. 

Having contacted XXXX XXXX several times requesting that they accurately report these mortgages to the credit bureau as not being delinquent as defined by the CARES 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 2019-07-19
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I contacted the Branch Manager in XXXX XXXX, LA ; XXXX XXXX and informed him of my current job status. Informed him that I am struggling to pay the full amount of the loan payments at this time. It would help to lower the payments. He informed that he will proceed with legal actions and wanted confiscate the collateral ; but I informed him that it has been pawned. He informed me it is against the law.. However I needed the funds to stay afloat. He made arrangements for a {$110.00} payment on XX/XX/XXXX. But says he still will pursue legal action.

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