BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
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/2021 we began a dispute with our Fifth Third Mastercard. The dispute was regarding a charge for lodging that was unsafe. We were asking to be refunded the nights that we could not stay at the unsafe cabin. Fifth Third 's dispute team had to handle the dispute as opposed to Mastercard. We were notified on XX/XX/2021 that Fifth Third sided in favor of XXXX XXXX. We asked that the case be reopened and our responses to XXXX XXXX  report be considered. However, we are very concerned that Fifth Third never reviewed our responses as we got no communication from them concerning the new information. The case was reopened and, in essence, immediately closed. We never got a phone call or a letter regarding the closing of the case. We feel that Fifth Third disregarded our facts and responses. When I call the dispute department to clarify why it was closed so quickly after reopening, the associates seem irritated and impatient with me. 
We were charged {$3100.00} by XXXX XXXX and are asking a refund for the nights we did not stay which would be {$2000.00}. 
See attached documents sent to Fifth Third upon reopening of case request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: EQUIFAX, INC.
State: NC
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX my XXXX XXXX was involved in a total loss accident. XXXX insurance paid out the claim of approximately {$4500.00} more than the value of the vehicle. On XX/XX/XXXX I called Capital One to inquire as to why I had not received salvaged title and the amount that was over and above what was owed on the car. The rep. I spoke to stated no payment had been received on the car. When I called XXXX to request they cancel the check and re-issue payment I was told that in fact the check had cleared their bank. 

This loan was additionally involved in a Chapter XXXX and the payment amount was not reported to the Trustee. That is bankruptcy fraud, as they will continue to receive payments on a debt that is not owed. 

Capital One Auto Finance has either misapplied a payment or is hiding funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I contacted Bank Of America on XX/XX/2020 about an unauthorized withdrawal of my account in the amount of {$15000.00}. Upon contacting them the moment I realized the problem, I was told that I had to order a new set of cards because my accounts have been breached and that this was the only way to secure my account. so I went ahead and order new cards as well as opened new account numbers per Bank of America 's wishes. upon doing so I was told that the video footage from the Bank of America would be accessed so that they could review it to make sure it was in fact a unauthorized transaction. Once I have done this I thought that I was in good hands. Only find out that that was not true in fact here we are just about two years later and I've received several harassing phone calls from reps and no mail correspondence from them at all on this matter. I've been down to the bank in person but couldn't get any in-person help I've called over the phone to only get belittled on knowing what I'm talking about as well as now every account I've had with them forcefully closed and I have no access to the records of the transaction. the money taken out of my account was for my kid 's school programs clothes XXXX and things of the sort .... I didn't expect customer relations to be so harsh and direspectful dealing with there customers.

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 2021-10-12
Company: Experian Information Solutions Inc.
State: OH
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 paid my Account with XXXX XXXX  XXXX XXXX Auto Loan close account as Agreed and they still with inaccurate information balance the correct balance {$0.00} With Status Paid as agreed

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 2019-12-22
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I did not have the best of credit, my score was about 630. I had originated a loan XX/XX/XXXX on a XXXX XXXX XXXX with Credit Acceptance, XXXX XXXX XXXX XXXX XXXX. XXXX, MI. XXXX The loan document shows the amount financed was XXXX, at an APR of 22.99 % for a total finance charge of {$10000.00} for a term of 66 months, the monthly payment being XXXX with the first payment due XX/XX/XXXX. I have made my payments and have had no problems until I was involved in an auto accident on Tuesday XX/XX/XXXX. I even made my regular vehicle payment to Credit Acceptance in the amount on {$380.00}, on Friday XX/XX/XXXX. I regularly paid more than my monthly payment. 

On Tuesday XX/XX/XXXX The XXXX Insurance adjuster declared the vehicle a Total Loss and the at fault drivers insurance company, XXXX has issued a market value total loss payment check, made entirely payable to Credit Acceptance on XX/XX/XXXX in the amount of {$9300.00}. 


Credit AcceptancXXXX has generated a letter on XX/XX/XXXX. Stating they received an insurance check and made no reference to how much the check they received was for. They also claim I owe money on the loan since I did not have GAP insurance. No amounts given on the letter I have never received ANY telephone contact communication until XX/XX/XXXX, when I returned their missed call. Now they call every day, several times a day trying to collect a " deficiency amount '' that changes on EVERY phone call. It's insanity. 

My contract states a loan for XXXX, with a 22.99 % APR. It states the total finance charge would be {$10000.00}. For a total of payments being {$25000.00}. They credited only {$4800.00} finance charge rebate, which I find odd as there are 41 months left on the loan, The math does not add up, they FLAT OUT told me I'm not entitled to an accounting of how they arrived at the finance charge rebate. They threatened to RUIN my credit, The offered an {$800.00} pay in full settlement on Monday XX/XX/XXXX. When they called me on Friday XX/XX/XXXX the offer was {$900.00}. 
And they'll help me get another car. The joke is ON them, I have already purchased another car and I'm paying much less interest thanks to the timely payments of the car and several credit cards my credit score has gone up significantly since my original loan with Credit Acceptance.

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 2021-10-11
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:
THESE ACCOUNTS ARE LISTED ON MY CONSUMER REPORTS AND I DID NOT AUTHORIZE OR SIGNED ANYTHING. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

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 2023-02-02
Company: EQUIFAX, 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:
I have submitted numerous complaints to the XXXX credit bureaus indicating the numerous errors being reported on my consumer reports. They all claim that they have verified that all information being reported is accurate. However, this is not the case. I am now in a position where I am unable to secure employment, buy a house, and Im unable to build up my business all due to the credit bureaus refusal to report accurately. Please remove all negative and inaccurate information in my reports. This whole situation is ruining the quality of my life and my familys. Please see attachments. The attachments display all inaccuracies and unverified information. I am not requesting any more investigations, I want everything deleted from my reports that is negative and inaccurate. Do not investigate! Delete this XXXX XXXX now!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
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 applied for an account with XXXX XXXX XXXX XXXX and will be denied if I'm unable to have this information from Chex Systems. I was told there was account reported on Chex Systems with my name, address but the wrong social security number. This account was reported by XXXX  XXXX XXXX for suspected fraud. I have been unable to get in contact with XXXX  XXXX XXXX because the phone system doesn't allow you to speak with Customer Service without a valid account number or social security number. 
I also tried to contact a local XXXX XXXX XXXX with no response. I submitted a dispute with Chex Systems and I am waiting for a response.

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 2021-12-15
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was called by a bill collector saying that I owed over XXXX XXXX dollars. For 2 cellular phones purchased in 2019. At first I thought it was a joke. Especially as to the rough and rude way I was spoken to. So I called my cell phone carrier to inquire. They assured me that I was in good standing and owed nothing. Now a month later another call so I asked to speak to fraud. They gave me the runaround and invalid account number to give to the fraud department. I dont know what to do. I honestly need you assistance. All of my cell phones I have gotten from my carrier which have been paid off

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 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 TRIED TO SUBMIT NEW DISPUTES, WITH SUPPORTING DOCUMENTATION, UPLOADED, BUT TRANSUNION WILL NOT ALLOW THE DISPUTES TO BE REVIEWED, AND ALONG WITH NOT ALLOWING THE DISPUTES TO BE REVIEWED, TRANSUNION WILL NOT CORRECT THE INACCURATE INFORMATION, AND THE INACCURATE REPORTING, UPON MY CREDIT REPORT ... EVEN WITH THE EVIDENCE, OF INACCURACIES, PROVIDED. 

I HAVE PROVIDED PROOF OF PAYMENT, ON TWO CREDIT CARD ACCOUNTS, FOR EXAMPLE, AND THE CREDITORS CONTINUE TO REPORT 30 - 60 DAYS LATE, EVEN WITH PROOF OF PAYMENTS. TRANSUNION HAS NOT CORRECTED THE REPORTING, EITHER, AND WILL NOT ALLOW FOR MY SUPPORTING DOCUMENTATION, AND DISPUTES, TO BE REVIEWED. TRANSUNION WILL NOT CORRECT THE INACCURATE REPORTING, EVEN WITH REVIEWING MY PAYMENT HISTORY, ON BOTH ACCOUNTS. 

THE TWO CREDIT CARD ACCOUNTS, FOR WHICH, I AM REFERRING ARE XXXX  CARD AND XXXX  CARD. BOTH ACCOUNTS ARE REPORTING 30 DAYS LATE IN XX/XX/2022 AND 30 - 60 DAYS LATE, IN XX/XX/2022. I WAS NOT 30 DAYS LATE, IN XXXX, AS THE COMPANIES ARE REPORTING. MY PAYMENTS WERE DUE, ON BOTH ACCOUNTS, ON XX/XX/XXXX, AND I MADE THE XXXX PAYMENTS, AND XXXX PAYMENTS, TOGETHER, ON XX/XX/XXXX, ON BOTH ACCOUNTS. THEREFORE, I WAS NOT 30 DAYS LATE, ON XXXX PAYMENTS, AND I WAS EARLY, ON XXXX PAYMENTS, BECAUSE XXXX WAS DUE, ON XX/XX/XXXX, AND I MADE THE PAYMENTS, ON XX/XX/XXXX. THE XXXX  CARD PAYMENT WAS FOR XXXX DOLLARS, ON XX/XX/XXXX, AND THE XXXX  CARD PAYMENT WAS MADE FOR XXXX DOLLARS, IN XX/XX/XXXX. ONCE AGAIN, BOTH, XXXX AND XXXX PAYMENTS WERE INCLUDED, IN THE XX/XX/XXXX PAYMENTS. 

TRANSUNION, AND THE CREDITORSXXXX XXXX AND XXXX, ARE NOT CORRECTING THE INACCURATE INFORMATION/REPORTING, ON MY CREDIT REPORT. MY CREDIT SCORE IS BEING NEGATIVELY AFFECTED, WHICH IS MAKING IT IMPOSSIBLE, TO BE APPROVED, FOR CREDIT, WITH OTHER CREDITORS. I AM REQUESTING THAT THE INACCURATE REPORTING BE CORRECTED, TO REFLECT " NEVER LATE '' AND " PAID AS AGREED '' AND A " CURRENT '' STATUS, WITHIN XX/XX/2022 AND XX/XX/2022. THERE IS INACCURATE REPORTING, ON A PREVIOUS MONTH, AS WELL, ON BOTH ACCOUNTS, BUT THE CREDITORS CONTINUE TO CHANGE THE MONTH, WHICH THEY ARE REPORTING AS, " LATE '', IN THE PREVIOUS MONTH, WHICH IS BEING REPORTED, AS " LATE ''. TO EXPLAIN, FURTHER ... CURRENTLY, I BELIEVE, THE CREDITORS ARE REPORTING XX/XX/2022, AS LATE, AS WELL. I WAS LATE, POSSIBLY, BUT I WAS NOT 30 DAYS LATE, AS BEING REPORTED. ALL, WHICH NEEDS TO BE DONE, IS REVIEW MY PAYMENT HISTORIES, WITH THE CREDITORS, AND IF I WAS NOT 30 DAYS LATE, THEN, DO NOT REPORT, AS 30 DAYS LATE. A SIMPLE SOLUTION...

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 2023-05-14
Company: LEXISNEXIS
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: DISCOVER BANK
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
On or about XX/XX/XXXX, I noticed several pending charges on my Discover card account. I immediately called Discover to report these as a fraud. Discover says these charges were made by my youngest son and that I authorized him to be a user on the card in XX/XX/XXXX. I dispute that narrative. They claim this authorization was made via a XX/XX/XXXX phone conversation with Discover customer service. Discover 's  fraud investigation admits they have not listened to the recording of this conversation but is holding me responsible for these charges citing that I said I don't recall ever adding my son to my card as reason enough to make me pay for them. Further, they refuse to listen to for themselves or share the recording with me. They are demanding I file criminal charges against my son or pay for the fraudulent transactions. 

I had to pay an attorney to subpoena the recording from Discover but to date, they have not produced the alleged recording yet they refuse to put any hold on the account and are demanding payment for the fraudulent transactions.

Discover is using unfair tactics to force me to pay a fraudulent debt that is not mine. Further, they are deliberately damaging my perfect credit by submitting negative information to the credit bureaus about these fraudulent charges. 

I'm nearly XXXX years old and have always paid my bills. I did not authorize anyone to use my account and if Discover has any evidence to the contrary, they need to immediately produce such evidence before demanding I pay or damaging my credit.

This type of practice is unconscionable and Discover should be severely sanctioned for such practices. If they are doing this to me, It is likely they are targeting many other consumers with these same tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 writing to report an issue regarding incorrect information on my TransUnion credit report. On XX/XX/XXXX, I contacted TransUnion about the following discrepancies, but as of this date, they have not responded. I am requesting your assistance in resolving this matter. Below are the details of the inaccurate information and the necessary corrections : The account for XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$390.00} ) requires examination due to incorrect reporting. The reported balance of {$390.00} appears to be higher than the balance I remember. Furthermore, your agency has labeled this account as closed, which means the Past Due amount should not be provided for this account. I intend to address this discrepancy directly with the creditor, but I kindly request that your agency report the account as disputed while I work towards a resolution. 


There is an account listed as COLLECTION ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00}, Original Creditor : XXXX  ) on my credit report, which is not mine. I request that you promptly remove this item from my credit report as it is inaccurate and does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: McCarthy, Burgess & Wolff, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Out of the blue I started receiving calls from an unknown number, I called them To find out it is about a credit card debt. I have found out It is my elderly mothers card that I am on and is to be used for Emergency use only. OUR CARDS HAVE AN EXP. OF XXXX! 
My mom said there is No Way SHE has So much charged, We believe a family member got the card and caused this! 
NO ONE WILL TALK TO US AND PROVIDE A LIST OF WHERE THE CHARGES CAME FROM AND WHEN!! We are ALWAYS HUNG UP ON!, And ALL THE COLLECTOR SAYS IS I WANT PAID!, AND ALSO SAID THERE WAS ANOTHER CHARGE AS OF A XXXX DATE? BUT WILL NOT GIVE ANY INFO AND HOW CAN THAT BE WHEN OUR CARDS HAVE EXPIRED?? I NEED SOMEONE TO HELP GIVE ME ANSWERS TO HELP MY MOTHER GET THIS RESOLVED!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have sent three affidavit credit dispute letters starting on XX/XX/21. My written request was for XXXX to remove all unverified accounts from my credit report. One remaining account that is incorrectly reported is XXXX XXXX XXXX who sold the account to XXXX XXXX. XXXX and Experian have ignored my requests and continue to report erroneous information on my credit reports. 

I have no signed contract with XXXX, no investigation of XXXX has been made to show an original credit application on file. XXXX has reported several accounts with XXXX XXXX XXXX XXXX, and XXXX XXXX of XXXX. I have been unable to look at my credit report with XXXX. Experian has followed suit with several reports from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX and others that have not been verified prior to adding the accounts to my credit report. 
Under Section 609 & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it has not been verified. I have been ignored by XXXX, XXXX, and Experian. I demand that this illegal way of reporting ceases to exist on my credit report.

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