BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-30
Company: WELLS FARGO & COMPANY
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:
Wells Fargo improperly reported a balance on a paid off closed credit card account and is now harassing me money, and frequently posts late payment inquires under my credit score. Which in turn is defamation of my credit score and my name. I have tried contacting them in XXXX of XXXX  and the customer service rep agreed she would look into it at she did she there looked to be an error. They since they keep reporting late payments on my credit report and hurting my 100 percent on time payments of 14 years.

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 2022-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was scammed out of {$1300.00} from using the XXXX payment method though my Bank of America account. 

This was the first case number provided : Case ID # XXXX No resolution. 

Second claim attempt : Case ID # XXXX No resolution. 

No funds were issued nor retrieved. 

I contacted Bank of America as soon as the scam happened but no help from my own institution.

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 2022-06-22
Company: REGIONS FINANCIAL CORPORATION
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I received this home improvement loan to waterproof my basement. My basement still has water/moisture that collects. I have contacted the contractor for them to correct the issue but they have refused

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 2022-06-22
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



XXXX NAME : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX NAME : XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX  XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Collections : XXXX XXXX Experian EMPLOYER : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX FO XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Collections : XXXX XXXXXXXX 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 2022-06-22
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



XXXX NAME : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX EMPLOYER XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  CURRENT ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Equifax NAME : XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXXXX/XX/XXXX ADDRESS : XXXX PALOMA XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Collections : XXXX XXXX XXXX EMPLOYER XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX FO XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
complaint # 1 : I closed my AMEX Hilton Honor account awhile ago because of the following poor service/amex employees lying/ and false information they saved to AMEX erp systems. Before I closed my account, I initially called to ask that the " close '' date to be changed to a certain date of each month. the customer service agent said not that the date requested of the XXXX but said could change it to the XXXX of each month. I agreed. However, I could tell soonafter that the " close date ' of my account enting in XXXX was changed to something else by logging into my account on amex 's credit card owner portal. I called AMEX again and the agent apologized for AMEX 's error. The agent confirmed to me the " close '' date for the account would be changed to the XXXX and admitted to and apologized for Amex 's error. I could tell soon later though that the close date was changed to something else by logging into my account on amex 's credit card owner portal. I called again and the agent apologized for AMEx 's error and promised the 'close date '' of my amex account would be changed to the XXXX of each month. but again when I went onto AMex 's portal for account holders the same error was being made and the 'close date ' of my amex account was not changed to the XXXX of each month! I went thru this 4 or 5 times. in the FINAL call back I made to amex, the amex agent stated the records showed in error andstated perjurious information that I agreed to the 1st of each month which is a total LIE!!!!!!!!!! So out of anger and frustration I closed the account. I strongly believe this aggravation by Amex, AMEx employee 's lying, and Amex employees intentionally entering false information may be because of financial inducement and/or other criminal activities done and/or threatened to amex employees by criminals who are targeting me, my home and all my other properties I own. <end of complaint # 1> ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... <start of complaint # 2> complaint # 2 : I requested via a letter Dated XXXX XXXX to amex to re-open the account but under the condition that the account have a close date of the XXXX per each billing cycle!!! I finally got a letter today ( XX/XX/2022 ) dated XX/XX/2022 to call XXXX customer service to " assist you ( jye ) further '' with request for " account Reinstatement ''! when I called the phone # though after giving out information that I think they should have already the agent stated the account could not be re-instated afterall!!!! Why did the Amex send such a letter if that was the case and just state that I would need to apply for a new account! <end of complaint # 2>

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I filed for XXXX  XXXX bankruptcy in XX/XX/XXXX. The bankruptcy was discharged in XX/XX/XXXX. XXXX XXXX XXXX was included in the bankruptcy. They have now in the month of XX/XX/XXXX added the debt back to my credit report. They are aware that the account they have from XXXX at XXXX was discharged. They then attempted to pass the debt to my son. They are stating that he was a co applicant. However, he was a minor at the time. He was not of age to be on the lease. I have advised this debt collecting agency of this several times. Now they have added this account back to my credit file. At this point, I will seek legal action because this is causing emotional distress. I will definitely be reporting to the bankruptcy court of their continued attempts to still collect a debt that was discharged in federal bankruptcy. This lease was never a co- applicant lease. He was a XXXX  living with his mother. I have been more than patient with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 XXXX Account number : XXXX {$670.00} Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXXXXXX XXXX TransUnion 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 of 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 explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
See attached documents. Remove this personal information that does not belong to me.

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 2023-05-12
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
bank closed my account and wont return my funds or even tell the reason they closed my account or how to get my funds back

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: NJ
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:
XX/XX/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 The above mentioned inquiries were reported on my credit report. I did not authorize them. I have tried to report them to Equifax, but they have indicated I need to submit a fraud report through CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
It started in XXXX, with Sallie Mae, when I was attending school & had to defer due to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My co-signer & I were unable to afford my payments at this time & they would not work with us to help us find a repayment plan that would be feasible at this time. We opted to use the 6 month forbearance period. Fast forward to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX. Sallie Mae immediately started repayments 2 weeks after graduation. When I asked why this was, as most loan providers allow you to have 6 months before repayments start, they stated that I had already used that period when I needed to defer from college the first time, so I needed to start paying. I explained to them that this was not feasible as I had not even taken my XXXX  yet & did not begin working. They basically said that I needed to find a way to pay them & if not, too bad. At this time, I chose to do a 6 month period of just paying the interest rate for my loans which varied between XXXX  XXXX {$490.00} as the interest rates are around 12 %. The payments after those 6 months increased to about XXXX XXXXXXXX {$550.00} which was somewhat affordable due to me working at this time. Now, the payment due for XX/XX/XXXX, has jumped to {$730.00} as the interest rate of my loan was raised to 14 %. When my co-signer & I spoke to the company when we chose to just do the interest rate payments for a few months, they stated that the interest rate would continue to go down as I made on time payments ( which have all been on time in the last 5 months ) but this has proved to be untrue. 14 % as an interest rate is absolutely absurd & something that I am unable to afford & the company will not work with me with. Unfortunately, most places will not allow you to refinance for at least a year after making on time payments, & I will never be capable of paying these loans off regardless of paying extra monthly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Experian Information Solutions Inc.
State: MD
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  act # XXXX, XXXX, XXXX, XXXX, has violated my rights 15 U.S.C 1681 section 602 A States that 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 2022-07-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I got a scam pretending to be paypal customer service and they got me to send them {$1900.00} via chase XXXX. 

They told me this was going to be a dummy transaction and they would reject it on their end and it was just for verification of my identity. They asked me to install XXXX app so they can control my phone. And then they asked me to opened the chase app and send via XXXX  to their manager and comforted me I will not lose the money. After I did that, they continued to ask me to deposit money to XXXX. All along the process they rushed me and kept me on the phone saying that they will refund me money as long as I followed. 

I realized this is a scam after hanging on the phone. I immediately checked the XXXX  transaction is still pending, so I called XXXX to cancel it and get my money back. XXXX representative helped me submitted my claim, but I still havent got it back. I was told a few days later that this transaction is done by me so they couldnt get it back. 

This is ridiculous and unreasonable. I already contacted them right after the scam, and they offered no protection on their XXXX  transaction in their app, and there is no monitoring for risky actions like this phone is controlled by XXXX. I need {$1900.00} to pay my rental fee and food this month. I wanted my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: World Acceptance Corporation
State: AL
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:
Good day, XXXX states I have made 2 Payments Beginning XXXX, 2019. They also state The date of first delinquency is listed as XX/XX/2019. I disagree. 

This would mean the date of first delinquency would be XX/XX/2019 instead of reported XX/XX/2019. 

This information reported to the Agencies is incorrect delaying the correct month and year this account would fall from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
According to section 604 ( a ) ( 3 ) of the FCRA which states a company using a disclaimer as reason to place non public information without my written instructions on my consumer report is against federal law and violates my privacy. In addition, the reporting of this account also violates 15 USC 1681i as this account is being furnished both inaccurate and incomplete. TRANSUNION has violated my consumer rights by reporting personal nonpublic information that belongs to me.I DID NOT give XXXX written instructions at any time to report The following XXXX account is being reported on my consumer report without my written consent. the CFPB STRICKLY prohibits this Behavior in accordance with federal law. Please see the attached invoice and affidavits for the following violations.

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 2022-08-19
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am XXXX XXXX submitting this complaint against RADIUS GLOBAL SOLUTION and there is no third party involved. RADIUS GLOBAL SOLUTION did not provide me with sufficient documentary evidence such as tracking number or some type of signed delivery slip by me the consumer, proving that I received and was made aware of collection activity of this alleged debt, this alleged debt had been fraudulently placed onto my consumer report with forethought and malice to being harm to me and my financial reputation.

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 2022-07-27
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
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 {$490.00}, In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief