BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-01
Company: Lockhart, Morris & Montgomery Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
When I tried to work for XXXX XXXX as commercial driver, they discriminated against me when they assigned me about XXXX hours training. I complained about that especially I came to them as experienced driver while a new student from driving school gave him XXXX hours only. I talked to my recruiter about it and he didn't know why they gave me too many hours. I quit the same evening I was hired and had a friend of mine to pick me back home. Few months later, I got emails from XXXX XXXX asking either to work for them or I would have to pay for {$2300.00} for breaching the agreement with them. My answer was, I did not work one day with you and if you are willing to cut hours of training I can return back. Later on, they sent email asking me to forget about the previous communication. After about XXXX months I was surprised by collection service letter. I asked them not to damage my credit and that charge is not valid since i didn't work for their client one day. I even asked them to provide pay stub for one week and they went ahead to damage my credit. Account info Account name XXXX, XXXX & XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$2300.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$2300.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX They had us sign a contract without giving us time to read. Just XXXX and rushed us to just click next, next until the sign box. In that contract paragraph 3, It said after the date the driver was hired. I did not work one day with this company. They didn't even pay full amount of " orientation '' after being stuck in a motel room with another driver for over a week. Once they got sued in Tennessee by many drivers, they sent emails to the drivers they were harassing to pay them back {$2300.00} ( I didn't work for them, and they wanted to make money on someone looking for a job. Luckily, I didn't work one day for them. I know many drivers who just didn't pay them after being on the roads with trainers for weeks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Ok so I look in my account and I notice that there is about a XXXX difference in what should be there. So I look through the transactions and there is one for XXXX. A withdral slip like I walked into the bank and took funds out of my account. I had already received several letters from the bank advising that my ID and address were updated. I have had the same ID number since I been driving and the same address for 30 years. I call the call center and get the run around, finally someone told me what branch it was done aat and i call the bank mgr. I speak with them and they " oh its a banking error '' and put it back. My daughter tells me, that's a teller or someone who works there because who else can change your address and ID number, you cant even do it. I said all is well and left it at that corrected it. 

Another month goes by and this time its XXXX and i go to the bank, when I do I can see the screen and the person comparing the last time and this current time, as well as they got my signature. They saw that it was not me, I asked for the tape as well, never got it. I am seeing at this point what legal actions I can take. They assured me I would get my money back and the account would be closed I then get a deposit into that account that SSA gave me for XXXX. I call them cause I notice my account info has not been corrected and was told that they can move my money to my new account as a courtesy. Then I was told all of these fees Im going to be charged. I have banked with this bank for yearsssss. Once this is all said and done I will be closing out any and all accounts that I have with them I want my XXXX as well as my XXXX from SSA. I also want an apology and I want the tape that shows me or whomever going in the bank because I want them prosecuted to the fullest extent of the law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-10
Company: Early Warning Services, LLC
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am unable to open a checking account due to ( EARLY WARNING CONSUMER REPORTING AGENCY ). 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. Subject to subsection ( f ) and except as provided in subsection ( g ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Messed up my credit score due to false allegations and no knowledge of account refuse to remove reported this over 6 months ago company harassing me visa email and phone about an account that's not mine. About XXXX in debt wrong person

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-23
Company: AC AutoPay LLC, Denver, CO Branch
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Auto pay was taking money and lying saying I would benefit from their services when in fact I did not and would not have ever made a gain by using autopay false advertisement

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
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:
I had a very large number of unauthorized charges stolen off my card Aprox XXXX I contacted Bank of America in regards to this, they quickly disputed the items and retuned a good portion of the stolen funds to my card, canceled my B of A debit card and issued me a new one. I was then instructed to call back as some of the charges were still pending ( {$270.00} ) and they couldnt do anything about those until they cleared. Ive been calling them for over 2 months now waiting on hold for an hour or more. They tell me theyve disputed the items and I wait patiently and nothing happens so I keep calling still nothing happens. Today XXXX I waited on hold for an hour and 45 minutes with no answer. Are you able to help me get the money back from B of A that was stolen from me? It seems B of A is unwilling to return my funds.

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 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 explanation
Consumer complaint received 2021-09-01
Company: WELLS FARGO & COMPANY
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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo XX/XX/XXXX XXXX  XX/XX/XXXX Account not mine need to be remove off 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 2022-08-02
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: Public record information inaccurate

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX SSN : XXXX | XXXX : XX/XX/XXXX XXXX/Experian/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX To Whom It May Concern : I previously wrote you to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number, and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have included a copy of the response from the courthouse for your reference. 
It is quite clear that someone from XXXX/Experian/XXXX  lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 
As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report : XXXX  XXXX BANKRUPTCY, Docket # XXXX Please respond to me in writing once this removal has been completed. 
Sincerely, 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 2022-08-24
Company: Global Lending Services LLC
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: Problem with personal statement of dispute

Complaint:
I have been paying my account on time for well over a year and there is proof attached, also the only reason XXXX XXXX marked my payment late was because of a error on the XXXX XXXX website. I was trying to pay at night on XX/XX/2022 and the website was not working. I ended up 1 day off and payed on XX/XX/2022 because their faulty website. That should not constitute a late payment. As promised by the CARES act I should be accommodated and compensated for this headache and emotional trauma that this has caused. 

Also, I contacted the company to try and get this removed but they would not comply and said that " We do not remove late payments '' My credit went down a TREMENDOUS amount as well and it made it very hard to to obtain new credit, I was also denied for certain credit products due to the fraudulent late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Pursuant to 18 USC 8. I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 B ( XXXX ). This company has also no permission to report anything using my info pursuant to 15 USC 1681 ( XXXX ) Delete this account : XXXX 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 non-monetary relief
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: OH
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:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX  Inquiry : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX. XXXX XXXX XXXX : XX/XX/XXXX. XXXX XXXXXXXX XXXX  Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX SERVICES XXXX : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I submitted the inaccurate account reports and my identity theft to the credit bureaus and they have not done anything at all. I am a victim of Identity theft. unfortunately XXXX  XXXX XXXX XXXX XXXX XXXX picking my dog up from doggycare and my wallet, purse, phone, and dog was all stolen. In my wallet was my ID and social security card among many of other valuables. I did not get to see my attackers face as they approached me from behind while I was kneeling to clean up my dogs mess after she relieved herself. I noticed this problem XXXX, 2022 I am writing to delete the following information in my file. The items I need deleted are listed in the report, i am a victim and i did not make these charges I ask that these items are deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
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:
I am a XXXX individual whereby I receive my income once/mo at the beginning of the month. My credit card was opened in XXXX  with a due date on the XXXX of every month. I requested a due date change several times from XXXX to now and was denied each time without a valid reason. My credit was perfect until the pandemic and I should not have been denied a due date change in XXXX. Therefore, my issues are as follows : The due to my XXXX check/due date conflict caused my payment to be late. Since XXXX I have been charged {$1200.00} or more in late fees and I am requesting a refund. I have requested a list of late fee charges and a REFUND and to talk to supervisors to no avail. 
BOA responds but with a letter that does not address my denial for a due date change several times since XXXX when I opened the account. I need this addressed and a refund of all late fees. Thanks

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 2023-03-14
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: Information belongs to someone else

Complaint:
I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of inquiries in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-21
Company: AFNI 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: Was not notified of investigation status or results

Complaint:
I requested a method of validation on XX/XX/2022. The collection agency has yet to respond. I am requesting a deletion of these accounts from my consumer file. They are reporting " Unverified/inaccurate information '' which is a violation of Section 623 ( a ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Experian Information Solutions 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 signed up for a premium membership with Experian 5 years ago to build up my XXXX XXXX. I did this because, even though I had no debt & paid all my bills on time with my checking account, I had a low XXXX score due to handling my finances on a cash basis. This being a barrier to applying for either a mortgage or a car. Experians XXXX program seemed a perfect answer. It was until 2 yrs ago. 

The XXXX program consists of monitoring your bank accounts & uses monthly expenses to help boost your XXXX score. Experian also provides your XXXX score on XXXX XXXX XXXX. These entities do not have access to your banking info. 

I had built my score up from XXXX to XXXX. I had to buy a car & this helped immensely. However, in XX/XX/XXXX, my purse & credit cards were stolen & my roommate moved out. My monthly expenses went up & my XXXX XXXX went down on Experian, but not on the other 2 credit reporting companies. 

After the theft of my cards, I noticed the connection between my bank & Experian seemed to be broken. I corrected this but my XXXX XXXX kept dropping. Bills that had been on autopay since the XXXX werent boosting my score. I called Experian many times & asked why, if my bills were paid on time, was my score dropping on their report but not on the other 2 reporting agencies? ( Experian : XXXX, XXXX : XXXX, XXXX : XXXX ). They said it was because XXXX needed the 3 months history of payment to show in the score. I argued that I have never missed a payment on any of my bills as shown by my credit reports with the other credit reporting companies on their own site. They restored my score to the excellent range. But the next month, it dropped again. 

I called them multiple times asking why my score isnt based on my payment history & balances, but rather on my bank balances? After being hung up on, I cancelled my membership ( {$24.00} for 5 yrs, even though the premium rate went down to {$19.00} ) in XX/XX/XXXX. As soon as my cancelation took effect, my score dropped XXXX points and they are still monitoring my bank account. I have tried to disconnect it ; remove my banking info from their app and you cant do it! 

As of today, I am still being punished. Given that XXXX XXXX uses Experian to provide an immediate XXXX XXXX to their customers, my score is XXXX, on XXXX its XXXX & XXXX its XXXX. I just want them out of my bank accounts & to base my XXXX score on the same data the other 2 credit reporting companies.

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 2022-08-24
Company: Army and Air Force Exchange Service
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:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  bank Account Number : XXXX XXXX XXXX XXXX 15 USC 1681 SECTION 602 states that I have the right to privacy 15 USC 1681 section 604 A section 2 : 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 2022-09-29
Company: JPMORGAN CHASE & CO.
State: IA
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:
This is the XXXX time reporting the same Chase account with inaccurate information. 

The date of delinquency was early XXXX, making the account over 7 years delinquent and, by law, needs to be deleted from my report. 

XXXX has ruled in my favor that Chase was reporting inaccurate information and removed the account from my report. 

XXXX and XXXX have refused to do anything about it. There are so many differences between what XXXX and XXXX are reporting. 

According to XXXX, XXXX and Chase, they are 100 % reporting everything correctly even after providing proof for years that they are not. 

Payment history is different on at least 14 months. 
The date of the last payment is different. 
The date account was closed is different. 

Please delete the account from my credit report immediately!! 

See attached files. 


XX/XX/XXXX XXXX 90 days late XXXX 120 days late XX/XX/XXXX XXXX 120 days late XXXX 90 days late XX/XX/XXXX XXXX 120 days late XXXX 90 days late XX/XX/XXXX XXXX 90 days late XXXX 60 days late XX/XX/XXXX XXXX 60 days late XXXX 30 days late XX/XX/XXXX XXXX 90 days late XXXX 60 days late XX/XX/XXXX XXXX 60 days late XXXX 90 days late XX/XX/XXXX XXXX 90 days late XXXX 60 days late XX/XX/XXXX XXXX 90 days late XXXX 60 days late XX/XX/XXXX XXXX on XXXX XXXX 30 days late XX/XX/XXXX XXXX on XXXX XXXX 30 days late XX/XX/XXXX XXXX on XXXX XXXX 30 days late XX/XX/XXXX XXXX 60 days late XXXX 120 days late XX/XX/XXXX XXXX on XXXX XXXX 30 days late Date of last payment. 
XXXX XX/XX/XXXX XXXX XXXX XXXX Date Account closed. 
XXXX XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation