BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My credit card payment from discover for {$6000.00} has not been credited to my bank of america credit card account. Bank of america cashed the check on XX/XX/XXXX which is endorsed on the copy of the check that discover sent me. I called XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX. Bank of america would not open a claim until XX/XX/XXXX when I had a XXXX way call with XXXX. They refused to talk to discover directly I then called XX/XX/XXXX and they told me to call back following week to expedite the claim. I called back XX/XX/XXXX and they finally expidited the claim. I called XX/XX/XXXX and they said the claim was resolved on XX/XX/XXXX but the money still wasn't in my account so I was told it would be in my account in 2 days. I still don't have it in my account today so I called today and was told a letter was sent that they reopened the claim. This is unfair and they are making interest on this money and on me. I've wasted probably over XXXX hours on this. This is wrong and ridiculous that it is not solved yet.

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 2022-10-13
Company: Experian Information Solutions Inc.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX OF 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 2019-10-05
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I had a mortgage with Ditech Holdings. They apparently went bankrupt in XXXX of 2019 and my mortgage was sold to another lender. I sent my XXXX payment to the new lender and it was returned. This cause my Ditech account to move to 30-59 days  past due. I called and figured out that I needed to send my XXXX payment to Ditech and did so. I was informed that since Ditech went bankrupt and the loan was sold, it was illegal for them to report to the credit bureaus unless the account was more than 90 days past due. I got everything squared away and have been paying the new lender. I then noticed that Ditech REPORTED to  the credit bureaus and my score dropped by 50 points. I immediately contacted them and demanded they remove the report. They added a " Remark '' but didn't remove the initial report to my credit. I've disputed with the credit bureaus, but they state Ditech will have to agree to remove the original report. I have called and emailed and they simply have not done it. I checked and it was ILLEGAL for them to have reported due to the fact that the loan was sold due to their bankruptcy. I have NEVER missed a payment for anything and am enraged by this illegal action that has negatively impacted my credit score/reports and my ability to obtain future credit!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
All three credit bureaus show outdated information and inaccurate information. I filed serval disputes with all 3 agencies and they did not not remove information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12
Company: Experian Information Solutions 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:
XXXX XXXX XXXX FL XXXX : Account # XXXX, has violated FDIC 18 USC 894 and FDCPA 15 USC 1692e. 

15 USC 1692e : False or misleading representations ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

18 USC 894 : Collection of extensions of credit by extortionate means ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 

I sent XXXX XXXX XXXX FL XXXX a dispute in regards to this account, which was delivered on XX/XX/XXXX as per XXXX tracking number XXXX. As of today, the account has yet to be updated on my consumer reports as disputed by consumer in accordance with 15 USC 1692e. Also, the company has sent me a Non-payment notice which states that I could be subject to negative credit bureau reporting if I do not pay the debt by a certain date, which is a form of punishment for non-repayment, pursuant to 18 USC 894. 

The violations mentioned are grounds for removal and deletion of the above referenced account on all of my consumer reports. 

Please see attachments as they contain supporting evidence.

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 2021-09-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have previously disputed with XXXX XXXX and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reporting badly hurt my credibility. I'm certain that my rights as a consumer protected under the law has been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I spoke with Hyundai Motor Finance about my account balance was inaccurate, I asked them for itemized transaction records for everything and they said they would send via email and never did. I also had asked them to refinance the car loan and they denied it being an option. I told them the dealer said I would be able to refinance after 6 on time payments and they didn't allow me to. 
I also told them that the dealer used malicious business practices to hide the fact that I was paying 50 % of my payments to interest. They explained the per diem clause as a temporary amount I would be charged and the number would " get lower '' when I paid down my loan. They never explained that the per diem was the interest rate charge per day. They said the per diem charge would be applied to the first few months of the loan as a " process charge '' rather than the interest rate charge. 
They also took my {$10000.00} car and gave me a {$30000.00} loan and stated that there were Federal Taxes on rhe car and that's why the loan was at {$40000.00} and the car reduced it to {$30000.00}. I found out that there is no Fed Tax on vehicles and the dealer lied on how the trade in was calculated into the loan. 

Also, I told the lender that I was doing a lot of XXXX XXXX  and that I was in need of a hybrid vehicle to save on gas. I told them that I was making around {$5000.00} gross income a month but also that I was spending about {$1200.00} a month of expenses running my business. If they would have provided me a hybrid vehicle the gas savings alone would have paid for the car itself. Also I can sense that they lied on the loan application because my income to expense ratio does not fit a {$40000.00} loan non-hybrid vehicle. 
A calculation of {$5000.00} gross minus {$1200.00} gas expense, {$1500.00} rent expenses, 30 % tax estimate of {$1500.00} would have made me ineligible to afford the car. They violated rules to approve me knowing that I would not be able to afford the vehicle

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 2023-04-03
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been having problems with EQUIFAX and I have carefully reviewed my credit report and I have been turned down for a credit due to mis-reporting information. I realized that there was a late payment on my credit report. I have always made my payments on time. For some reason. As you can see, I have always had a stunning payment record with this company. Can you tell me why? I think it is ridiculous. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Please investigate and update it from my personal credit file. Thank you. 
XXXX  - XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 2022-07-12
Company: Experian Information Solutions Inc.
State: NJ
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 ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Experian and XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXXXXXX XXXX. I believe it was reporting in error. 
XXXX XXXXXXXX XXXX Balance : {$680.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Issue with loan co-signed by another party. 
Unnecessary checking/savings fees

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 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I can never utilize the Transunion website to look at my credit report, open disputes, or place and or remove security freezes. For almost 10 years, i always have to call and the website always says the online center is never available or down.

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 2020-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my EDD account without notice. Many other Californians have had this issue over the weekend. Calls to customer service went nowhere, with CSRs incorrectly stating that this was an EDD issue. I have had an automatic withdrawal to my checking account set up since I first received UI, and have had no issues until my account was closed.

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 2020-12-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: BLINCLOANS, INC.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I would like to file a complaint against XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. The complaint is in reference to XXXX failure to credit payment to my account in a timely manner as the delay may result in additional finance or other unnecessary fees. 

On XX/XX/2021, I received an installment loan in the amount of {$2000.00} from XXXX. The terms of the loan agreement require repayment bi-weekly by payroll allotment in the amount of {$89.00} with payments beginning on XX/XX/2021. 

XXXX XXXX XXXX received the first payment on XX/XX/2021 as shown in the payment history ( Attachment XXXX ). Payment was received before the due date because my employer provided the allotment early due to the XXXX XXXX XXXX on XX/XX/2021. 

On XX/XX/2021, I contacted XXXX, customer service representative at XXXX by chat to inquire about the XX/XX/2021 payment/allotment that was not showing in my account payment history. I was advised that my payment had been received, but likely had not posted yet due to the holiday ( Attachment 2 ). 

On the same day of XX/XX/XXXX after receiving confirmation of receipt of my payment, I received an email from XXXX XXXX, Retention Manager at XXXX that my XX/XX/2021 payment had not been received ; and furthermore, that OneBlincs grace period for credit report is ending and that I should make a payment to prevent any interruption in OneBlinc perks and/or fees. ( Attachment 3 ). 

On XX/XX/2021, I contacted XXXX, customer service representative at XXXX by chat to inquire about the XX/XX/2021 payment/allotment that was still not showing in my account payment history and also the email I received from XXXX XXXX XXXX I was informed that the payment had not posted and the email received regarding the missed payment was likely sent to me prematurely. ( Attachment 4 ). As of XX/XX/2021, XXXX has not provided an explanation why my payment has yet to be posted or updated my account information to reflect the XX/XX/2021 payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: Alliance One, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello, My name is XXXX XXXX XXXX, XXXX. I currently reside at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing this because I, XXXX XXXX XXXX, Consumer, did not give AllianceOne Receivables Management , Inc., its executives, XXXX XXXX XXXX XXXX XXXX, or its executives written instructions or consent to communicate with XXXX XXXX XXXX, Consumer, or any other person regarding an alleged, " Debt ''. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281, SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. This information is true and correct to the best of my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2020-12-29
Company: EQUIFAX, INC.
State: IL
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 contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX. XXXX, XXXX, XXXX XXXX, XX/XX/XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXXXX/XX/XXXXXXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX,XX/XX/XXXX add a hard inquiry on my credit reports.

Company response to consumer: Closed with explanation