BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-13
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
In the spring of XXXX my wife opened a credit card account with American Express through the XXXX XXXX program and ordered an additional card for myself. Both cards arrived but a week or so later I received a letter from AMEX stating that my card was cancelled because I had filed Bankruptcy against their company. I though this was a mistake so I called them to find out that this was not a joke but they were serious. Yes it's true I filed bankruptcy and disbursed an AMEX card but that was in XXXX, more than 15 years ago. If I am not mistaken under bankruptcy law the creditors can not hold a bankruptcy against me after 10 years? I have many credit cards now because my FICA score is XXXX and I just bought a car. The credit card number of the AMEX card that was cancelled is as follows XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX, and Experian are all reporting I have two chapter XXXX bankruptcies from 2016. I only have one. The clerk that entered my bankruptcy filing forgot to include my LLC 's information on the original filing, even though it was on the paperwork. Instead of correcting the original petition, since it was the court 's error, they dismissed the original petition and then refiled the petition the following day under a new case number. I was sent a letter by the Federal Bankruptcy court, explaining this which I sent to the credit reporting agencies. They refuse to remove the original filing which is negatively impacting my credit score to this day.

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 2023-10-14
Company: Arcon Credit Solutions LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received multiple emails from Arcon Credit Solutions for a debt from the XXXX XXXX XXXXXXXX that they purchased and wanted to receive a settlement on. But, this debt is not mine, I have never opened an account with the XXXX XXXX  XXXX and never even left California in my life. I have tried to contact them through email and phone to learn how to dispute the debt but there was no response. I would like to know how I can dispute this debt as it is not mine and do not want it to possibly affect my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX Chief Executive Officer and President, Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX I must call your offices every month. I routinely pay additional principal with my mortgage payment. I have done this for 40 years, with a variety of mortgage service companies. The additional principal payment has always been credited to principal. But not with Select Portfolio Servicing. 

Instead of crediting my extra principal payment to principal, you credit toward future mortgage payments. It is obvious why you have this business practice. You want to cheat customers by not reducing the principal and thus maintain larger principal balances so that they will accrue more interest. 

The first time this happened, I had used my banks automatic payment mechanism. When I discovered what you had done, I called your offices and got it corrected. I was assured that you would note our account so that additions to scheduled payments would be credited to principal. 

Another month went by and once again, my additional principal payment was credited to future payments, rather than principal. This time when I called, I was told that it was because I used my banks autopayment feature instead of manually writing a check and filling out your remittance advice. 

So, this month I wrote a manual check, filled out the remittance advice, and expected the payment would be properly credited. Once again, SPS attempted to cheat me. Some of the extra payment was credited to principal, some was credited to future mortgage payments, and I can not determine where the remainder was applied. But I was once again assured that it is being corrected. And once again, I was assured that your people had notated my account so that amounts in excess of the scheduled monthly payment will be credited to principal. 

I am doubtful that the problem has been resolved, because I have now received so many empty promises. 

I am optimistic that the regulatory agencies will examine this fraudulent practice. This kind of behavior must be stopped, as I am certain that most of your customers do not realize that they are being cheated. 

Dates When Principal Payments Not Applied Correctly XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2018-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2018 I made a check deposit {$300.00} on my Checking Account. On XX/XX/2018 the available balance was {$240.00}, BOA rejected a payment of my XXXX XXXX {$220.00}, charged {$35.00} returned item fee, hold {$100.00} for deposit hold only available XX/XX/XXXX at XXXX XXXX PT.

On XX/XX/2018 I went to the bank, the Bank didn't solve the problem, asked me to wait until XX/XX/XXXX. I asked to close my account, have my money to pay the rejected loan, the Bank told me that it was not possible. 


Bank Information : Case ID XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 monetary relief
Consumer complaint received 2021-01-13
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing today in regards to my account with Shell Point Account # XXXX. 
A late payment is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX XXXX - Inquiry date XX/XX/XXXX XXXX XXXX - Inquiry XX/XX/XXXX XXXX  XXXX - Inquiry XX/XX/XXXX XXXX  XXXX - Inquiry XX/XX/XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX XXXX XXXX -Inquiry XX/XX/XXXX XXXX XXXX XXXX - Inquiry XX/XX/XXXX XXXX/ XXXX Inquiry XX/XX/XXXX XXXX XXXX - Inquiry XX/XX/XXXX XXXX/ XXXX- Inquiry XX/XX/XXXX XXXX XXXX  inquiry XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX/ XXXX  XXXX Inquiry XX/XX/XXXX XXXX XXXX - Inquiry - XX/XX/XXXX XXXX XXXX inquiry -XX/XX/XXXX EQUIFAX XXXX XXXX - Inquiry date XX/XX/XXXX XXXX XXXX - Inquiry XX/XX/XXXX XXXX  XXXX - Inquiry date XX/XX/XXXX XXXX  XXXX XXXX - XXXX XX/XX/XXXX XXXX  XXXX XXXX - Inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX  XXXX XXXX Inquiry XX/XX/XXXX I mailed letter to each bank requesting proof of inquiry, and verification of my signature however no response has been received. I am unable to contact each bank by phone as they report they can't verify my information via telephone. All attempts have been made with no success. Please advice what to do next. I have no accounts related to inquires made with out my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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 applied for a Walmart card that Capital One services. The information on Walmart 's site said in several places that there would be no impact to my credit score. But then they turned around and did a hard inquiry which caused my credit score to go down by 3-4 points ( depending on which company you ask ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: TN
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:
These Hard inquiries was not authorized according to consumer law 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter These Hard inquiries listed below were unauthorized : ( 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  : XX/XX/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 explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
On my credit report its reporting that I was 30 days late in XXXX payment .. My XXXX statement says my Payment was due XXXX I payed on XX/XX/2022 the statement says I paid on XX/XX/2022 So i was not late please update this information with Experian because it shows its 30 days

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 2021-01-13
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX Balance Owed : {$2400.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly.

XXXX XXXX XXXX Balance Owed : {$170.00} - This account was taken care of with original creditor prior to going to collection, this is an error please remove this account.

XXXX XXXX XXXX Balance Owed : {$58.00} - Delete this unknown account unless you can provide me with proof of a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Despite permanently Opting Out of unsolicited credit card offers over a year ago, I have continued to receive offers in the form of junk mail from Capitol One, with whom I am completely unaffiliated. I called Capitol One and asked to be removed from their direct mailing lists. They claim to have complied, but I want to report their violation of the federal Opt Out Prescreen program.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: VIRTUOSO SOURCING GROUP, LLC.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted XXXX on numerous occasions to cancel their services, due to the fact the equipment did not work in my area and I was unable to reach their repair services to correct the issue. Therefore the debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Lending Club Corp
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: AES/PHEAA
State: VA
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:
Im opening this complaint because Im having an issue with my XXXX XXXX XXXX. Please see the following details : - Approximately a month ago Id learned the somehow XXXX XXXX XXXX was given a dispute letter which was intended for and submitted to XXXX XXXX. 
- First, I dont know how XXXX XXXX XXXX receives a copy of a letter pertaining to a loan that does not belong to them. 
- Secondly, I dont know why representatives at XXXX XXXX  XXXX did not thoroughly read the letter upon its receipt as it named a private lender who it was intended for who is not XXXX XXXX - Instead, XXXX XXXX XXXX has removed my Student Loan Information from my credit as of to date - That means Im now not getting fair credit reporting on students belong to me as I am still responsible for paying the bill each month - Ive now contacted XXXX XXXX twice regarding this issue. Once approximately in XX/XX/2019 and the other on today XX/XX/2019 - I dont remember who I spoke with in XX/XX/2019. The person I spoke with today is named XXXX. His ID is XXXX. 
- The reason has become a XXXX XXXX XXXX issue now is because XXXX XXXX XXXX didnt read the letter for XXXX when they first mistakenly received it. 
- Even after I called them about the mistake in XX/XX/2019, they still didnt get the manner handled properly This was so very simple and could have been avoided. All the original area /representative who received the letter needed to do is realize the letter was meant for another company ( private ) and not meant for XXXX XXXX XXXX   . Instead, all or portions on My student loan information got removed from my credit report ( s ) which is very damaging as it has caused a major drop to my credit score right during my home search and buying process. XXXX XXXX is now showing as a closed account when it is not. This is not fair to me as a consumer making payments on my XXXX XXXX accounts. Im not happy about this as Im sure no one else would be.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This is for all three big business bureaus XXXX, XXXX, TransUnion. Has contacted me now on Plenty of occasions regarding information with my name, address, telephone number, a play, personal information, and accounts have been compromised. They are they are still using my maiden name XXXX access information open accounts in my name. They have student loans have been on deferred and that are being paid off all my status which is affecting my credit and not able to get anything in my name play XXXX XXXX are like heads regarding house in the car because of the high loan raid that should be on there because again I'm in school at XXXX and XXXX and all of them have been paid off on time. My lawyer XXXX XXXX  has spoken to them regarding and they said they're going to remove it and now I am contacting them each again to get it moved. They are not security my account at this supposed to and still information still going on the XXXX. Being alerted about. All they're doing is XXXX managing and catching defects here and there Play Still allowing accounts to be opened in my name in the choir he's to be over thirty a day. I haven't seen on the phone for two hours each day trying to get in touch with them in order for them to take off the fries in order for them to monitor of my account and for them to honor their I do need to have fall asleep back it and if so I can fill out and receive the conversation that I deserve I have not received any information I have not been able to get through anyone and my credit is going down. Which allows me not to be able to get any loans during this time this afternoon at the time where they're telling us if that's what's going to help us and I'm going to be able to do that due to to get streak app credit companies they have information on their claims that has not been mine that I disputed that I have the proof that wasn't mines and it's still on there affecting my score. They stated that they just they send me a letter regarding XXXX had and it did this in town the XXXX I have not received it yet I have a membership at XXXX  and XXXX  that I pay out of my own money each month for a boost and formica promote it properly and I'm still didn't tell him where I didn't say who is IRS IRS and Social Security

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 2023-10-25
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
My name is XXXX XXXX not XXXX thats a mistake Credit Acceptance XXXX, scanned and fraud me two times 2 vehicle loans one vehicle was repossessed. My credit has been ruined. I have creditors calling me and the attorney generals office sent a letter. They are pursuing fraud and scam charges. They scam me and thousands of other New Yorkers, but they will not mediate my case individually. I have to seek counsel, the dealership who sold me the vehicle is responsible for scam. Also, the price was not XXXX the way it was leased it was only XXXX. I had full coverage insurance on both vehicles, one vehicle was repossessed and ruined my credit. I never had a chance with that one. Both vehicles were lemons, constantly breaking down never got to drive them. There should be records of all the repairs. I did to both vehicles one of them this one I have now second loan I took it to the XXXX and they said its a scrap vehicle. It never should been sold in this condition its dangerous I would like for compensation for both of these fraudulent loans.

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