BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/XXXX I had a negative balance on my credit card of {$2600.00} On this date I did an electronic transfer of this entire amount from this credit card to my checking account, both accounts of which are in the same banking institution. Also on XX/XX/XXXX my bank charged me {$130.00} for a " {$2600.00} cash advance. '' I called the company on XX/XX/XXXX to have the " cash advance '' fee removed as my credit card had a negative balance, and I wanted to move this balance to my checking account XXXX my primary account for paying bills, etc ). The company said they could not refund the fee as the terms for a " cash advance : '' were in the credit card terms. I spoke to two employees at the company and they both said I had to pay {$130.00} to transfer my negative balance on my credit card to my checking account.

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 2019-05-04
Company: Crow Creek Sioux Tribe
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan to pay electric which was shut off. The loan was {$820.00} I went on the site to see when payment be due and found they are charging 646.10 % interest. That is ridiculous. I would pay back over {$4000.00}!

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 2023-04-08
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
After successfully referring a friend to open an American Express Blue Cash Everyday card ( from my account ending in XXXX ), I was informed on XXXX XX/XX/XXXX that I had earned XXXX reward dollars, as expected. 

It is now XX/XX/XXXX and despite having spoken to customer services several times over the past two months - who agreed I was owed XXXX and assured they were working on it - I have still yet to receive the credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: EQUIFAX, INC.
State: NY
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 previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: WELLS FARGO & COMPANY
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:
WFDS XXXX Balance Owed : {$8000.00} This account was involved in litigation and does not belong to me. I never established this account. This account was a result of fraud. I was contacted by a collection agency regarding the account that was obtained under my name. I have no knowledge of obtaining any of the account listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2022-09-06
Company: Experian Information Solutions Inc.
State: PA
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 am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX : {$560.00} XXXX XXXX XXXXBalance : {$940.00} XXXX XXXXBalance : {$0.00} XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXXBalance : {$1300.00}

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 2021-07-03
Company: FORD MOTOR CREDIT CO.
State: CO
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:
This account has been closed since XX/XX/XXXX. The car was auctioned by Ford Motor Co. for {$10000.00} and FORD CREDIT should not be reporting to the credit agencies if my account is closed and the vehicle has been auctioned off over 2 years ago. 

The following details reported by Ford Motor Credit should be removed immediately : XX/XX/XXXX FORD MOTOR CREDIT Balance Increased by {$76.00} XX/XX/XXXX FORD MOTOR CREDIT Balance Increased by {$76.00} XX/XX/XXXX FORD MOTOR CREDIT Balance Increased by {$70.00} XX/XX/XXXX FORD MOTOR CREDIT Balance Increased by {$110.00} XX/XX/XXXX FORD MOTOR CREDIT Balance Increased by {$78.00} XX/XX/XXXX FORD MOTOR CREDIT Balance Increased by {$76.00} All of the above information should be removed from my credit report and any reporting done in the year XXXX. The account is closed, the vehicle has been auctioned off and the vehicle was purchased by myself and my roommate, XXXX XXXX XXXX, who had agreed to pay half the car payment and half the insurance. He never followed through with his obligations and paid any of the money he agreed to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: AMERICAN EXPRESS COMPANY
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:
The following information needs to be re-investigated. These accounts should not be reporting on my credit report. 

AMEX ACCOUNT # : XXXX DATE Opened : XX/XX/XXXX This is not mine. 

XXXX XXXX XXXX XXXX ACCOUNT # : XXXX DATE Opened : XX/XX/XXXX This is not mine. 

AMEX ACCOUNT # : XXXX DATE Opened : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
After carefully reviewing my Transunion credit report there were several unauthorized inquiries being reported. All inquiries took place on XX/XX/2022 and are listed as follows : 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I disputed a charge of {$5000.00} dollars ( made in two seperate XXXX dollar charges ) with Capital One for merchant XXXX XXXX who refused to issue a refund per their cancellation policy terms. On XX/XX/XXXX I discovered the credited amount exceeded my credit limit and rendered my card useless although a negative {$4000.00} balance was on the account. On XX/XX/XXXX I spoke with Capital One rep XXXX Id number XXXX who advises a credit balance adjustment was being issued by check and would be received in 15-20 business days. It ended up taking 90 days and a complaint to the Better business bureau. Capital One advised they had to allow a full XXXX business days for a response from the merchant although I was issued a letter dated XX/XX/XXXX stating the case is considered closed unless the merchant responds. Although I was there after advised once the case reaches its 90 day mark, if the merchandise did not respond the dispute would be considered closed with no option for the merchant to reissue the charge, I find that on XX/XX/XXXX the charges were rebilled to my account with notification to myself until today. This is after I filed a complaint with better business bureau, was finally issued a refund From Capital One and advised the issue closed XX/XX/XXXX and despite the fact the merchants 90 days to respond expired XX/XX/XXXX over a month prior to when these charges were rebilled to my card. This is theft and fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-04
Company: EQUIFAX, INC.
State: MN
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/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 Transunion, XXXX and XXXX as a concerned consumer to request the blocking and deletion of information on my consumer report due to identity theft, in accordance with 15 U.S. Code 1681c1 and as recommended by the Federal Trade Commission ( FTC ).

I have recently become aware that there is information on my consumer report that is a result of identity theft. This information does not pertain to any transactions made by me as the consumer. My request to block this information is not being made in error, and it is not based on any material misrepresentation of fact by me that is relevant to the request for blocking these identified transactions. 

I kindly request that you take immediate action to rectify this situation by blocking and deleting the information related to the identified transactions, as per the law and FTC recommendations. It is of utmost importance to me that this fraudulent information is removed from my consumer report, as it is affecting my financial well-being and my ability to engage in legitimate financial transactions. 

Enclosed you will find copies of documents supporting my claim of identity theft. I would appreciate your prompt attention to this matter, as well as your confirmation of receipt and action taken within the timeframe required by law. 

Correct Name : Name 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 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 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 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 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 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 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 2022-09-06
Company: Bread Financial Holdings, Inc.
State: KS
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:
Comenity Bank/ Comenity XXXX XXXX XXXX XXXX OH XXXX, phone XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, issued a credit card using my personal information without my solicitation or application. I have never received any information from this company about this credit card. My first contact with this company was XXXX. 

The amount charged to this unauthorized credit card was {$3900.00}. I have called this company to report this fraudulent card on several occasions to rectify the fraud. My last phone call with this company was on XXXX and I was given the ID # XXXX for this case. It is now 90 days later and nothing has been resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: WI
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:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's 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 2021-11-17
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage was transferred from XXXX XXXXXX/XX/XXXX to Nation Strar Mortgage LLC DBA Mr. Cooper on XX/XX/2021. 

Since the transfer date was XX/XX/2021, XXXX payment was made to XXXX XXXX XX/XX/XXXX, but Mr. Cooper is claiming they should have received XXXX payment thus my account would be delinquent if I do not pay. 

To avoid any negative reflection on my account or credit, I have gone ahead with another payment with Mr. Cooper, and I have tried to resolve this issue with both banks for the past several months. 

However, On XX/XX/XXXX of 2021 loan was transferred back to XXXX XXXXXX/XX/XXXX and Mr. cooper has stopped responding to my request. 

XXXXXX/XX/XXXX transferred loan amount : {$320000.00} Mr. Cooper claimed transferred loan amount : {$320000.00} Mr. Cooper has over charged {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: AUTOMOTIVE CREDIT CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I entered a consumer credit transaction with Automotive Credit Corporation in the amount of {$12000.00} to obtain a XXXX XXXX XXXX. The Finance Charge of {$7000.00} did not equal the sum of all charges as the Total Sale Price, including my down payment of {$5000.00}, equaled {$24000.00}. They required me to purchase my own insurance. They have received an additional {$760.00} for statements they sent me XX/XX/XXXX and XX/XX/XXXX. I have not sent any more money. As the original creditor, I should have not received any statements requesting payment as they have already been paid on this matter. On XX/XX/XXXX, via Certified Mail, they received my Validation Letter, Cease and Desist Letter, an Affidavit stating where they have wronged me, and an invoice of {$19000.00} for double the finance charge and all of the payments they have received from me. On XX/XX/XXXX they sent me another statement with the total amount due of {$1500.00}. It is past 30 days and I have yet to receive a response to any of my letters.

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 2021-08-12
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
these accounts appear on my credit report, they don't belong to me, it's hurting me. 
Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX.

Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Stenger & Stenger, P.C
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Plantiff ( Stenger & Stenger P.C ) delivered a court summons to wrong address on XXXX   almost 20 days AFTER filing with the court ( XXXX  ). When sent a debt validation letter- only a summary of alleged charges from a bank statement was provided ( {$3400.00} ). I had received no prior contact from this law office attempting to collect this alleged debt until XXXX  which was after I sent a debt validation letter and a motion of arbitration letter on or around XXXX

Company response to consumer: Closed with explanation