BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-20
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
I set up forbearance with XXXX and was approved through XX/XX/2022 through XX/XX/2022 and set up an interest only payment plan that I have been paying and never missed a payment. This brought my account current and put those months in good standing ( I have paperwork from XXXX ). However, XXXX reported the month of XXXX as missed and it dropped my credit score tremendously. I've reached out to XXXX XXXX XXXX department ( in which you can only respond via mail and their customer support department has no clue on the response ) and tried to handle directly with the company and they sent the letter saying they wont change. Next step was me writing this complaint. If this doesn't work I will go to small claims court and sue them for pain and suffering, taking advantage of XXXX  ( person of XXXX from low income area ) customer right after XXXX lifted the Student loan payment pause. The negative information has caused me to get higher interest rates on my credit card and drop my credit utilization with my lenders. Please note that XXXX has updated the status and reported correctly with only XXXX. XXXX hasn't reported correctly on XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
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:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading 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 dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give 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 removed immediately or I will file for litigation due to the stress you caused in my life. 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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 ( I NEVER HAD LATE PAYMENTS ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( I NEVER HAD LATE PAYMENTS ) 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 2022-11-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
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:
According to my credit report, there were 2 hard pulls by Bank of America in XXXX and XXXX, 2022. I contacted BOA to investigate in XXXX, 2022 since I had not applied for any products with them. It took several days and dozens of calls and emails, but finally reached their fraud department and confirmed with them that the applications were NOT legitimate. They were to have stopped and denied the applications and removed the pulls from my credit report. I have no way to confirm that they actually denied the application, but they have not removed the pulls from my credit report and will not respond. I have contacted them 3 times via email with no response and no action. Bank of America refuses to correct my credit report or confirm the denial of the credit applications.

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 2023-05-15
Company: AmeriHome Mortgage Company, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to Amerihome from XXXX. I was never notified of the transfer. Amerihome made harrassing calls to me asking for banking information, ss # and payment although I was not sent any documentation supporting their calls. Every call I verified the mailing address but they never sent me anything. I had made 2 more payment to the originator, which they did not send on. They told me they would rip up checks, but I should have received notification. Amerihome has put a negative mark on my credit, although they are in direct conflict with the law of notifying me 15 days prior. I did not receive any written documentation for 90 days.. After 10 months ( XX/XX/2022, they sent me a letter that was dated XX/XX/2022 ) stating that they had been sending me the letter to the wrong address. Again, the correct address was given to them as well as them having the correct address for the mortgaged property. 
This has had a tremendous negative affect on my credit. I have contacted them numerous times and they have refused to admit fault and remedy the damage they are causing 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 2021-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
I have always paid my account on time every month thru the website that the company provided and i always receive notice that they received the payment. However, for a few separate months they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and tried disputing it with the company because I had paid it and the website said they received the payment and not my mistake but they haven't removed them. This was an issue with their website that i was assured was corrected. They acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: Experian Information Solutions 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:
All 3 reporting bureaus are reporting inaccurate ERRONOUS incomplete incorrect information. I filled a colloquium in XXXX. XXXX with cfpb 1 date open incorrect 2 amount of loans incorrect 3 terms of loan in correct ( as in number of months ) 4. Reported payments made. No payments have ever been made 5 1st date deliquenxy 6 last date active incorrect 7 pay history incorrect 8 account status incorrect 9 they're reporting 22 loans I only HAD 9 loans 10 is been over 60 days they still haven't verified the info on my report to the cfpb plz remove due to fcra violations and negating to report info accurately

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 2020-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 formally requested that XXXX  XXXX XXXX  XXXX  validate all trade line listings they have submitted to the three major credit reporting agencies. Due to possible in accuracies in these reports I demanded that the validation requested be in the form of a verified statement by a person with original knowledge of the debt who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer product, was not utilized as a profit loss tax deduction during the period it may have been payable, and was not claimed as a loss with and insuring entity during the period it may have been payable. I have requested competent evidence that I have some contractual obligation in relation to this trade line. 

I have not received such evidence which constitutes a breach of my civil rights, thus these items must be removed. At this moment in history, I refuse to have my civil rights taken away from me as I watch what is happening to people of my race in this country who have not only been vastly affected by this pandemic economically, but who have also had their civil rights disregarded by those in authority.

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 2020-06-08
Company: Exeter Finance Corp.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I got auto financing through XXXX XXXX ( XXXX XXXX ) with Exeter Finance. These are BOTH dishonest, unfair companies to go through. I put $ XXXX down on a XXXX XXXX XXXX in XXXX of XXXX. The amount that was financed was $ XXXX and some odd dollars. TODAY, a whole year later, the amount of my payoff quote is, get this : $ XXXX! 

I am now a single mom, who lost her job to COVID-19, and Im struggling to keep up with my bills. I contacted Exeter Finance to try to work things out as soon as I learned that I wasnt going to be allowed to come back to work just yet. The representative I spoke to said that they would put 2 months of payments on the back of the loan and that would help with or take care of some of the interest fees.  This was told to me in XXXX of XXXX. TODAY, Monday XX/XX/XXXX, I called Exeter Finance again to see how come my loan payoff is MORE than what was financed. I got the run around and had to pull teeth to get a direct answer for one and for two, I was told that ALL of my last payment got applied to the interest ONLY and NOTHING went to the principle! I wonder HOW MANY TIMES have they done THIS ; quite often Im sure because theres NO WAY that my payoff amount should be MORE than what I had financed, this is highway robbery, and now, during a global pandemic, is the WRONG time to be pulling this mess! This company lied to me, didnt inform me on how my payments would be applied, and refuses to do ANYTHING to make this right for me, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: MA
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 writing to file a formal complaint against Equifax in regards to inaccurate information on my credit report. On XX/XX/XXXX, I contacted Equifax to dispute certain information that I believe is erroneous. Despite the passage of time, I have not received any response or resolution from Equifax. The following are the details of the disputed accounts and the required corrections : Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} The reported balance of {$5900.00} for the XXXX XXXX XXXXXXXX account is inflated and inaccurate. I am certain that I owe a lower amount and do not recognize this balance. Moreover, the Past Due amount listed by Equifax for this account indicates inaccurate reporting. This account was closed and charged-off, and as such, the Past Due status should not be stated. I have taken steps to address this issue with the creditor directly, and I request that Equifax marks this account as disputed until a resolution is found. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Highest Balance : {$31000.00} The account with XXXX XXXX XXXX was never late, and I insist that Equifax immediately removes the late payment status associated with this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

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 2020-04-16
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My fidelity rewards visa credit card is reporting closed and showing 30 days late. I repeatedly reached out to the fraud and verification department to fix account status. The 30 day late is incorrect and severely impacting me on ALL 3 credit report. I am trying to close on my mortgage with all the crisis happening right now this misinformation is damaging my home buying closing process.

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 2022-11-09
Company: EQUIFAX, INC.
State: SC
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60dayXXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My account with Bank of America World MasterCard was supposed to be closed in XXXX. They never closed the account. The first time I called they put me on hold and and would not close the account. The next day ( XX/XX/XXXX ) when I tried to call and cancel the card I waited on hold for over 45 minutes and was transferred to 3 different people. This account was supposed to be closed years ago.

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 2020-06-08
Company: AmeriHome Mortgage Company, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have an FHA loan. I am eligible for an FHA streamline refinance according to the rules set forth by FHA. Recently I applied with my current servicer for a streamline and was told they have recently implemented a minimum FICO for EXISTING CUSTOMERS. 

I understand that a servicer may not want to take on OUTSIDE customers below a certain FICO as it represents additional risk to their servicing portfolio. 

However, to apply an arbitrary FICO on a program that is not an FHA requirement on loans that you already service is of no benefit and has an adverse impact on their customers. 

Rather than improve their risk by LOWERING a customer 's rate, they are penalizing people in FHA loans that may be working hard to repair issues in their past. After my divorce, getting back into a home was a milestone for me. I do not need my mortgage servicer penalizing me for a loan THEY agreed to service in the first place. 

It feels as if they think I am trapped with them and can make more money by keeping me in a high rate loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened XX/XX/2014 XXXX {$0.00}.

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 2021-06-29
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9500.00}, {$5000.00}, {$7500.00}, {$4900.00}, {$4500.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$4500.00} -This is not my account. 


-- AUTO LOANS OR LEASES 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/2021 I was notified by text message of my debit card being utilized in a XXXX. The first and only alert I received I checked my online banking to discover 14 total transactions had been approved without my authorization. I reached out to my bank letting them know I didnt approve those transactions. I then was issued a new debit card and credit for the fraudulent transactions. I then received follow up saying my claim was denied, I put in a new request for follow up. I then am told that my request was denied again due to transactions being in places I frequent. I asked for further remark and received none. Now my account is closed due to me not getting the fraudulent charges removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Bridgecrest Acceptance Corporation
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I have called BridgeCrest more than 4 times trying to speak with someone that can explain why is the account still showing on my credit report. The car loan was taken out online by a family member that use to live with me I have sent in affidavits and proof of ID to no avail. I even sent in the check to pay the car in full for {$9700.00} which I was told by a rep named XXXX and to mail the check to XXXX XXXX XXXX XXXX XXXX AZ. One month the amount was showing I owed {$8000.00} now it is showing {$9700.00} a complete audit needs to be done and any over payment sent back to me. But to get rid of this thorn in my side I paid the {$9700.00} and I want this account removed immediately. BridgeCrest has been paid now do the right thing. I also believe it is time to start applying fines against BridgeCrest and to move my complaint up higher so it can get resolved 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 2023-05-17
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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