BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-21
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX is reporting incorrect information on my credit report. I went to school on a full-ride scholarship and someone obtained financial aid in my name. This issue is pending SUPREME court. XXXX is very well aware of this situation and you need to stop them from reporting fraudulent information on my credit profile. Under The Fair Credit Reporting Act ( FCRA ) there are procedures for correcting fraudulent information on your credit report and requires that your report be made available only for certain legitimate business needs. 

Under the FCRA, both the consumer reporting company and the information provider ( the business that sent the information to the consumer reporting company ), such as a bank or credit card company, are responsible for correcting fraudulent information in your report. To protect your rights under the law, contact both the consumer reporting company and the information provider. 

PLEASE STOP REPORTING

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 2017-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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:
Issue : Bank of America credit card payment fee distribution. I have a XXXX card with Bank of America. I have utilized the funds on the credit card three different ways. The three different usages of the funds from the card have three different levels of interest for the use of their funds. I agree with all of these facts. 

Today I called Bank of America to find out how the interest was applied to the three different percentages - on my XXXX statement only interest is shown but not which of the rates are paid first. 

Not to my surprise I was told the lowest interest rate was applied first and then highest last. So just like in the days the largest check was paid first so all the little checks caused for fee income - now the credit card interest is using the same tactics. 

I would like to see the highest interest rate payment applied first then the next highest then the lowest interest rate. This would have the funds with the highest interest rate paid down sooner than the lowest interest rate.

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 2017-09-12
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Called myself and relatives and friends multiple times. Used abusive and rude language. Threatened the use of law enforcement.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is my second attempt to place a complaint to the CFPB. 

On XXXX I sent a letter to XXXX  regarding inaccurate and negative information on my credit report. 

It has currently been 53 days and I have yet to receive a response. 

I am being taken advantage of and my disputes are being ignored. 

Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. 

It has been over 53 days so they be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. 

My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out a personal loan from Wells Fargo on XXXX XXXX 2012. I set up automatic payments to be deducted from my account for this simple interest loan with amortization. The total amount of the loan was {$12000.00} at a rate of 16.454 % and my loan payments were {$290.00}. The interest rate was supposedly given a discount because I was already a Wells Fargo customer and part of the arrangement was that I was required to set up automatic payments to be deducted from my bank account on a monthly basis until I completed payments on the full term of my loan. The loan length was 60 months. I started to receive phone calls this month from Wells Fargo with a very vague voice message being left just to contact Wells Fargo several times a day but I thought it might be a scam so I hesitated to answer until a few days ago. I answered because the calls are we coming quite bothersome and more frequently. The person on the line stated that I owed money on a personal line of credit. I told them I should not owe anything and that was not mine because I had a personal loan but the payments were automatically deducted from my account so there 's no way that I could have owed a balance. The gentleman stated that the last payment was not deducted because the amount deferred then the usual payment amount and that I was to have contacted the company to make arrangements for payment. So I contacted Wells Fargo and spoke to several departments finally ended up with the executive department and filed a claim stating I should know anything because they responsible for the deducting the automatic payments on a monthly basis which was part of the agreement when I sign the contract to obtain the loan. I reviewed my contract and it was not clear that I had to make a payment for my final payment and I complain to the company that I felt defrauded because now they were charging additional fees because I had supposedly been late with the payment and I explained again that the arrangements were they were to to deduct the payments for my account. I 'm not trying to get out of paying money that I owe but the seams and unfair practice to me to squeeze me for more money when they could have simply deducted the when they could have simply deducted the final payment as had been arranged but now have sent me to collections.

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 2022-08-05
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 XXXX  XXXX account # XXXX, XXXX XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX and XXXX XXXX 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 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX 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 2021-07-21
Company: EQUIFAX, INC.
State: GA
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:
All three credit bureaus are illegally publishing an unverified Bankruptcy on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Army and Air Force Exchange Service
State: WA
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:
Good morning Ms. or Mr., I am currently in the XXXX  and purchased a XXXX  at the military exchange on XX/XX/XXXX. It was on promotion that offered 0 % interest and no payment for 12 months. 
Considering my credit utilization and income-to-debt ratio, I took the deal because I would have more room to make a monthly payment by the time the payment starts. 

I noticed that the full balance was outstanding and it says I missed the payment due in XX/XX/XXXX. I called the customer center and they said there was nothing they could do, but they admitted that I was right on the promotion. They said the reason I was delinquent was that I did not stop auto-payment which I set up to prevent late payments since the day first I had the military star card. I wanted them to confirm the promotion in the time frame where I purchased the laptop and the manager at the customer center emailed me with the information ( Please, see attached ). However, the balance was still outstanding, and eventually, it started hitting my credit record. 

I remember I called them back in late XXXX or early XXXX and told them that it starts hitting my credit record and I want you to fix and stop reporting this. However, they told me to reach out to their headquarters which I did, and haven't had anything back from them ( Please, see attached ). 

Now, all three credit bureaus were reported and I am delinquent. 
As you can see on my credit reports, I have never missed any payments. I know what and how I spend my money and this is unfair for a customer to spend time and effort disputing and be suffered mentally. 

I wish you can help me to recover my credit reports and scores, and stop AAFES to report false information about my credit disciplinary. 

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 2017-10-23
Company: Avant Credit Corporation
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
On XXXX XXXX, XXXX we decided to look into refinancing our current loan with Avant. We contacted the company via their website and phone and initiated the process to refinance. During the process a hard inquiry was performed on our credit. The terms were then supplied to us via the website. The process continues after you accept the loan amount and terms/rates. We accepted the refinance of the XXXX minus a roughly 200 $ administration fee. We were to receive roughly 2600 $ at a 35 % rate. We accepted and started using their website to finalize the information they require. Bank statements, pay stubs, personal information, etc. One of the processes is to " Link your bank account '' which allows the to pull the statements, etc directly. However due to security issues our bank would not allow the connection as it was considered insecure and potentially dangerous. We resolved this by uploading bank statements and pay stubs manually. We spoke with several people regarding the inability to link our bank account and they stated it would not affect the loan. On XXXX XXXX, XXXX we received an email to contact them in regards to further information required. We called in and they verified the information and proceeded with the processing. We logged in to check the status and our loan had been dropped by XXXX . This is after we accepted the terms of XXXX . I sent an email to question this activity and received no explanation. Instead they pushed a denial email to my account and refused the loan. After researching the company we have found numerous cases were they change your account and fixed loans without telling you. I find this a fraudulent practice and would like the hard inquiry removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
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: Credit inquiries on your report that you don't recognize

Complaint:
inquiry victim inquires from companies i never authorized on  XXXX  credit reports Experian,  XXXX ,  XXXX   XXXX .   Inaccurate information on my credit rep ort 1.   XXXX   XXXX   account late payment status,   XXXX   XXXX   reports as negative Due to do inaccuracy of this information i request you delete it from my file.

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 2022-05-02
Company: BARCLAYS BANK DELAWARE
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:
On XXXX I submitted complaint number XXXX. I stated that in accordance with federal law Transactions and Experience are to be excluded from the consumer report in accordance with Federal Law 15 USC 1681a ( 2 ). I NEVER mentioned anything being reported as " inaccurately '' only what the law says should be EXCLUDED. In addition, the terms and condition mentions that they may report to the credit reporting agencies my experience with them BUT DOES NOT clearly states that I should be given the option to have my personal nonpublic information NOT SHARED with any nonaffiliated third party. This is a VIOLATION of 15 USC 6802 and furthermore their terms and conditions DO NOT give an explanation as to how I may exercise my nondisclosure right. Barclays also mentioned that the account is being reported as " charged off settled ''. in accordance with IRS publication 4681, charge off are considered to be " canceled debt '' which are to be included as " INCOME ''. Income can not be reported on the consumer report as it is a violation of privacy AND discloses specific nonpublic account information. This violates both the Gramm-Leach-Bliley Act and the Fair Credit Reporting Act. These are not my laws nor my rules but those established by congress. Ignoring them is places you CIVILLY LIABLE and is considered willful negligence and noncompliance for which congress says the consumer is to be compensated {$1000.00} for each violation in addition to ANY ACTUAL DAMAGES sustained by the consumer ( which are significant ).

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 2021-07-21
Company: Sequium Asset Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've had ID theft issues for years and on XX/XX/2019 I received a bill from a XXXX XXXX trying to collect for a XXXX  XXXX XXXX acct witch I had never used before. I called and submitted information to verify that this in fact was not mine but the company decided to sell my acct to another collector. I now show a new collection for this same acct with Sequim Asset Solutions. 1 ) Sequium Asset Solutions for {$1000.00} it looks like the original creditor was XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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 followed directions with Capital One on an expedite payment to clear an account I had with them. I sent in documentation, verification, and a guaranteed funds bank cashier 's check that settled the account in full. I followed up and thru with the receiving and deposit of the payment. Capital One was obligated to expedite the payment and FORCE UPDATE my 3 credit reports that the account was settled in full, closed, and at a zero balance according to communications between Capital One and Myself. I did my part and now they are attempting to fail to follow through on their part of the agreement. The company is trying to take advantage of consumers like me attempting to resolve a matter. I have been on the phone with them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and finally OVER an hour on XX/XX/XXXX with a so called supervisor who literally needs proper training. Her id # is XXXX however, did not follow through with Capital One 's obligation pertaining to this payment and account nor acting like she could not help me AND I was told there was no one else above her that I could speak with. I requested information for her supervisor or Capital One 's executive offices to follow through with Capital One 's obligation to this case, however I was told that information was not available. Once again a large company attempting to take advantage of consumers by not following through on their part of the agreement at hand. Please see all attachments showing the original letter that was faxed and mailed certified that mentions all previous obligations that were discussed by both parties, copy of notarized check copy showing it was deposited by Capital One, original notarized letter from the bank regarding the valid bank cashier 's check, original letter regarding settlement with XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: JPMORGAN CHASE & CO.
State: ID
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:
Chase bank posted a fraudulent transaction for {$3800.00} earlier in the year. They started out by reversing the charge and I had my money and access to my account. Then, on XX/XX/2021 the fraudulent transaction was re-posted to my account and Chase will not reverse the charge at all. I've filed every form their company offers to get my money back and have been refused help by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
On XX/XX/2022 I received a letter in the mail that I missed one or more payments. The problem is I haven't received a bill in the mail within the last six months for this particular card. I paid the balance down beneath the credit line months ago and no bill ever showed up, now it has skyrocket over the credit limit. I would like the company to consider identity theft that is currently pending at a XXXX Police station here in Wisconsin.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
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:
Equifax and XXXX  are reporting incorrectly that I am ( XXXX ) days late on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance due. This incorrect reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I notice in may if this your about all the inquiries kept coming on to my credit report i didnt authorize starting in XXXX I sent them all types of proof I called over and over and then now its has been a security breach with them

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