BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been trying to see why I have so many late payments reporting. I have been current for as long as I can remember and after pulling my report to purchase a home they informed me I have late payments reporting with capital one. I have tried multiple times to write into the company with no response. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
I am XXXX and a victim of bank fraud. A fraud check was cashed in the amount of {$6700.00} to my account. i am seeking reimbursement due to pending bills. I have waited month now for reimbursement and still nothing!!! I have contacted XXXXXXXX XXXX  claims unit at ( XXXX ) XXXX and my case is always pending with no movement. They said the fraud check was cashed at Bank of America. I need my funds returned so i can cover my bills as i am on fixed income. Please contact both institutions to expediate this issue. I need both banking institutions XXXX XXXX and Bank of America to communicate with each other to solve this problem and issue a refund of {$6700.00} to my account. I have accounts at Bank of America that can be credited also. 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 2020-08-15
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
XXXX i sent dispute letters out, no response, then XXXX i sent out a comply and demand letter still wit no repsonse

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 2023-07-20
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 strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Bread Financial Holdings, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/XXXX, I received multiple calls from Comenity Bank. When I answered one, they told me I owed a payment from XXXX on my XXXX XXXX XXXX and said the payment was about to be late and charged a late fee. I declined paying it and told them that I had not made any purchases on that card since XX/XX/XXXX. 

I immediately contacted XXXX and they had nothing in their system indicating a charge and showed I had a XXXX balance with them. I asked them how to report a fraudulent charge and they said to contact Comenity Bank to dispute it. 

I contacted XXXX to review my credit report. It showed the amount of {$180.00} due in XX/XX/XXXX, which was from a charge of {$100.00} in XXXX, that I did not make, plus late fees. I filed a dispute with XXXX. The dispute was not cleared on my credit report. 

After repeated calls to Comenity Bank, I was unable to get through to talk to a representative. The line would drop my call. The website indicated disputes of charges needed to be done in writing and mailed to : XXXX XXXX Credit Bureau XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX. 

I filled out their Credit Report Dispute and Investigation Form. I printed details from my credit report showing the balance due of {$180.00}. I printed my XXXX statement showing no balance and no purchases since XX/XX/XXXX. On XX/XX/XXXX, I mailed this documentation to the XXXX XXXX XXXX. I have not gotten a response as of today, XX/XX/XXXX, XXXX business days later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01
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: Account status incorrect

Complaint:
WELLSFARGO MORTGAGE SHOWS MANY LATES FOR FOR MORTGAGE PAYMENTS THIS ACCOUNT WAS APPROVED FOR A MODIFICATION DURING THIS TIME AND NO LATES SHOULD HAVE BEEN REPORTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I did not authorize this XXXX that was charged. By XXXXXXXX XXXX for Bank Of America to charge this XXXX I notified them n was wrongfully reversed plus they have for months been charging me this illegally XXXX month fee witch I have not been using any of this bank services

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 2023-07-20
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX Balance Owed : {$380000.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; DPT EDXXXX XXXX Balance Owed : {$43000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$4600.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$4800.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-03
Company: Applied Data Finance, LLC
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: Didn't receive services that were advertised

Complaint:
I have received from XXXX someone apply for a personal loan with my information and I havent done that in the last 6 moths so this company name PERSONIFY show as my recent hard inquiry on my report some stole my information and apply to this company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
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: Old information reappears or never goes away

Complaint:
I have Bankruptcy chapter XXXX-discharged - XXXX on my credit report. 

Date Filed was in XX/XX/2011 It's old account, the law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed. Considering that this does not require an investigation, I would appreciate your response within 2 weeks from the date you receive this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a Third Party. I am requesting that the following accounts be removed. These are fraud, I didnt benefit, apply for, and authorize these accounts. 

DEPT OF ED/XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2023-02-07
Company: Experian Information Solutions Inc.
State: MI
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. 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 : # 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.

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 if the person knows or has reasonable cause to believe that the information is inaccurate. 

Account name : 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 2020-08-15
Company: Armada Corp.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I called off a mark on my credit report. The recording said it was a collection agency and that calls are recorded. When the collector XXXX got on the phone she asked a couple verification questions and told me calls are recorded and it is an attempt to collect a debt. Not one time was I given the full XXXX XXXX This is an attempt to collect a debt any information obtained will be used solely for that purpose. I advised the collector XXXX that she had broke FDCPA by not giving me the entire XXXX XXXX she said she did. I disagreed with her and hung up. I then waited a couple of hours and called to talk to a manager that told me because I knew I was calling a collection agency she didn't have to give the full XXXX  XXXX  I advised on first contact you have to or in violation. She said they mailed a letter and that was first contract. I told her I had never spoken with anyone prior to today and never received a letter she claims it is not first contact. Obviously I disagree

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: National Credit Adjusters, LLC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
On XX/XX/2019 my brother had my id and went to a XXXX and got a loan in my name for looks like XXXX. I've been trying to dispute I've called them there still saying its my loan. I have a copy that came from there XXXX ohio branch of my id and a picture of him in the XXXX day of loan clearly not me there's a. Part on the paper that says must read notes one says the starter check he gave them was fake so was his pay stub and he don't have a cdl license I want them to remove from my credit immediately thank you the collection agency is national credit adjusters, the loan came from XXXX XXXX XXXX in XXXX gave him the money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Experian Information Solutions 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:
I recently reviewed my consumer credit reports and noticed that I have two accounts with XXXX that are both reporting inaccurate for the month of XX/XX/2023 for all three credit bureaus in which I were never late for. The reports are showing on time for all months prior to XXXX than 90 days late for month of XXXX. The stated accounts accounts XXXX XXXX- XXXX XXXX XXXX XXXX {$4500.00} Principal and {$2600.00} Principal Please investigate and provide proof that with statements that these payments were late. 
These two accounts can not report 90days late without first showing 30days and 60days late. 

I will like these two payments with this lender to be rightfully updated to paid on time as I were never late. 
Proof of inaccurate reporting is also attached.

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 2020-08-15
Company: Experian Information Solutions Inc.
State: AL
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 ACCOUNTS ON MY CREDIT THAT DO NOT BELONG TO ME. MY IDENTITY HAS BEEN STOLEN AND THESE ACCOUNTS ARE FRAUDLENT. ALONG WITH THE INQUIRIES, I HAVE NEVER APPLIED FOR CREDIT WITH ANY OF THESE COMPANIES. HOW COULD SOMEONE USE MY INFORMATION AND IT REPORTS ON MY CREDIT WITHOUT MY CONSENT?

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 2023-07-08
Company: GOLDMAN SACHS BANK USA
State: CA
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:
Payment made on XX/XX/2023. Claims payment is on hold and review until XX/XX/2023. No payment takes 19 days to clear. Payments used to be updated same day. Payments each month exceed XXXX per month. 

Apple Card system is also buggy where it will have a long delay and double post payments which happened in XXXX and reported. 

Apple Card Support is non responsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
i sent a letter XX/XX/2020 with no response what is taking so long under federal law its been pass the statue of limitation and it should be deleted

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 2023-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
on XX/XX/XXXX  I went to XXXX XXXX XXXX XXXX to purchase a car. I came in with a pre-approval for XXXX XXXX. They used high pressure tactics to coerce my into signing an application for their own in-house financing. They told me that was the standard and that I could not apply for financing without doing their own in-house paperwork even though I told them I wanted the loan I had pre-approved and printed out in-hand. I told them I only wanted one inquiry on my credit record and they promised me that there would only be a single hard inquiry. As it turns out they were being dishonest and were indeed just coercing me into applying for their in-house product and not the XXXX XXXX loan I had pre-approved. They were unable to beat the rate I had pre-approved from XXXX XXXX via their in-house financing and so they took it upon themselves to shop around of their own volition. This resulted in 5 additional hard inquiries on my credit report. There are inquiries from companies we never even discussed or talked about that day such as XXXX XXXX XXXX XXXX  ( we never discussed ) or Bank of America ( also never discussed ). I now have multiple hard inquiries on my report which I did not authorize. The only other company we discussed was XXXX and they told me that was because XXXX XXXX was unreliable and didn't pay the money they were due so it was better to use 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 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
In accordance to the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

Account name XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX The above accounts have violated my rights. 

15 U.S.C Section 602A states, I have the right to privacy 15 U.S.C Section 604A Section 2 : States, a consumer reporting agency can not furnish an 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 if 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 non-monetary relief
Consumer complaint received 2018-04-09
Company: JPMORGAN CHASE & CO.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XX/XX/XXXX, I took out an auto loan with XXXX XXXX ( online ). I asked to borrow in addition the amount of the sales tax. The lending agent incorrectly computed the sales tax amount and sent a check for {$1000.00} to the Colorado Department of Revenue. When I went to register the vehicle, I was told the amount was incorrect because Chase had calculated city sales tax and I live in an unincorporated county and don't pay sales tax. 
On XX/XX/XXXX the Department of Motor Vehicles returned the check to Chase with directive to send {$560.00} to cover sales tax and to credit or refund the customer the balance of {$470.00}. I have been asking since XX/XX/XXXX when I learned of the discrepancy how my account would be credited. 
Initially I was told it would take 2 - 4 weeks and would show up as a credit on my loan. I have sent 14 messages to Chase online, and called them over 12 times and no one can seem to take care of this.

I know the letter from the DMV is on file with Chase as one of the employees found it and told me Chase received the check and letter and returned the correct check in the amount of {$560.00} to the DMV on XX/XX/XXXX. It is XX/XX/XXXX, and now i have a message from them saying they will no longer contact me. I've called the XXXX XXXX at XXXX today ( XX/XX/XXXX ) and was told my " agent '' XXXX was busy and would call me back. That is their standard answer. 
I am on my 3rd deadline they set for themselves to resolve this. The first was XX/XX/XXXX, then XX/XX/XXXX and now XX/XX/XXXX. They never tell me they moved the deadline - I have to call and ask. 
I feel they not only need to refund the overage loaned amount to me but also refund interest charged on that amount from the inception of the loan. This amount was based on their calculation, not mine. 
Can you please help me? It's hard to believe a bank can not subtract {$560.00} from {$1000.00} and see they have never credited my loan amount or sent a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-08
Company: AMERICAN EXPRESS COMPANY
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hj! I received a letter approximately XX/XX/2023 that if I dont reach to American Express to discuss procedure on my credit card by XX/XX/2023 that it would close and sent to collections! Ive called around XXXX XXXX XXXX to discuss matters and was told that it was already sent to collection and today is the XXXX

Company response to consumer: Closed with explanation