BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-29
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: Account information incorrect

Complaint:
Subject to Subsection ( C ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : I did not consent to fed loans to report any student loans to my credit report. I have no knowledge of these accounts and I demand the removal of these student loans reporting on my account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have power of attorney for my XXXX mother and started managing her accounts mid XXXX. I began to see a " check image fee '' of {$3.00} charged to her checking by Bank of America. I have had to call XXXX times now to tell them to stop charging the fee and they have reversed the fee. My issue is that they continue to charge the fee and I have to call to get it reversed. There is NO way on the online account to stop the fee and it doesn't even reference this type of fee when you do a search. The people I speak to at BOA state they 'turn it off ' yet the next month, there it is. I think this is a way that they rip off customers who do not reconcile their accounts or like my mom, no longer use a computer. I asked the last person on XX/XX/XXXX - XXXX to make sure it is not charged again and she said she could not. I think this is a terrible way of doing business and if it wasn't such a pain to move my mother 's account away from BOA I would.

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 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 notified TransUnion that there are unauthorized credit inquiries on my consumer report. TransUnion only removed 1 of inquiries. The following inquiries that I reported are still on my file : XXXX XXXX XXXX XXXX,2023 XXXX XXXX XXXX 2023 XXXX XX/XX/2023 2023

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 2020-08-06
Company: SECURITY FINANCE CORP
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
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:
On XX/XX/2020, I contacted the loan company and agreed to pay the loan that I had. The company had already charged off the account as a bad account. We agreed that I would settle the account for less than was owed since they had already gotten paid because of the charge off. I paid {$450.00}, half of what the debt was. This account still shows as derogatory on my credit reports. I have recently disputed this account and the status still have not been corrected.

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 2018-04-26
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The XXXX XXXX  XXXX loan with XXXX is improperly stating that I was late 119 days. I produced a letter showing the payment deferment status. The credit bureaus continue to improperly report which caused a 68 point drop in XXXX. I am seeking to apply for a new car loan and with the current status I am unable to get approved due to the 68 point drop. I emailed and faxed the letter showing payment status for the time frame that the XXXX XXXX, Equifax, and XXXX  show as being late 119 days. Please help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions 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:
I closed out my XXXX Credit card ( XXXX CARD ) in XX/XX/XXXX. I spoke with XXXX and they agreed there should not be a derogatory remark on my credit report. I also spoke to Experian who also did an investigation and they agreed with me as well back in XX/XX/XXXX. As of today XX/XX/XXXX, my credit report still shows a negative remark for XX/XX/XXXX when I closed this account. For goodness sakes, pleaser help me get this negative remark removed from my credit report. For whatever reason, Experian will not remove it from my report, and this negative remark only shows up on Experian. It looks to me like they just want me to pay for boost to have them clean it up but that's extortion, and I shouldn't have to pay to have it removed. No other credit reporting agency shows this negative remark, and the mortgage company I am using only uses Experian. Sounds like a scam to me. 

I have not missed a payment on my credit cards for as long as I can remember, so this negative remark is XXXX. Plus add to this nonsense that I have been reducing my credit card balances for substantially over the last three years and yet Experian has chosen to rapidly decrease/increase/decrease my credit score over the last couple of months with large point swings just as I am trying to get a mortgage. This is absolutely ridiculous. 

Ever try to get Experian on the phone? It's next to impossible as you get caught in an endless recorded loop that does not end up with a live agent. What a total scam of a company, I wonder how much they kick back to the mortgage companies to use their horrible reporting service. Lastly, when I was able to get someone on the phone a few months ago, they told me that they don't make up the score, only report it. What are they talking about, it's there credit score that they calculated from their credit factors, so that makes no sense at all?

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 2018-06-28
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive explained that I have been out of the country for 10 years to Santander consumer USA and that the account they have is fraudulent. With proof. They have refused to take this debt off of my credit report and will not remedy this situation. This is affecting my livelihood and preventing me from creating a better life for my family as a man. My name is damaged. My credit is destroyed because of this and their tactics. If I owned this debt I would pay it. I have integrity but this is not my debt and is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian is allowing landlords and creditors to blackmail former tenants by charging ridiculous fee 's at the end of a lease and experian won't validate these charges 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 2022-11-02
Company: Bread Financial Holdings, Inc.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Comenity Bank calls me all day, every day. I receive at least XXXX calls each day from various numbers and unknown callers- all of whom are a representative from Debt Collection at Comenity Bank. 
This is all in regards to an an outstanding balance on my XXXX XXXX 
When I answer the phone, I am told that if I do not make a payment they will send me to collections and my credit will be damaged. When I ask the representative to access my account, they are unable. They claim my account was damaged by the system update so they are unable to do anything. 
They will send me to every department to repeat my story until I am given to a supervisor. I have now spoken to over 50 supervisors who have told me they have either left notes or submitted tickets to fix my account. Still, I receive threatening calls, emails, text messages and letters to my home. Most of which claim I owe them hundreds of dollars more because payments are late. They are harassing me over an account they too can not access. 

The last supervisor I spoke to told me if this account gets sent to collections, Comenity can not promise to resolve the issue. 

This has been my daily norm since the day I opened the account- XX/XX/2022. 

I have sent XXXX rounds of certified mail to the company - exact copies to both the Customer Care department and the Disputes department. Each received and signed for by a XXXX XXXX. The first round of mail included screenshots and a letter of my account info, communications and an outline of my issue. The second round included updates and checks to cover the full balance ( in the hopes they could process a payment that way. ) I have been ignored when I try to resolve this issue, and harassed with phone calls starting early in the morning all the way into the night.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-25
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe this company any debt. The service was cancelled due to unprofessionalism and destruction to my home by a XXXX XXXX contractor. I reached out to a representative about my concerns. They acknowledged and approved the cancellation of contract without any fees or charges due to their wrong doing. The company continued to charge me for service. 
XXXX {$530.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: CITIBANK, N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
At XXXX on a Sunday my phone rang. It was XXXX from Citibank ERT ( Executive Response Team ) asking to speak with me. Not sure when it was ever OK to contact a customer on a Sunday, but I agreed. She claimed she was calling to relay some information concerning my complaint on how I felt targeted by her company. No matter what she stated it still would change how I felt targeted. The fact remains that I had been randomly audited twice for credit limit adjustment that caused a significant decrease in my credit limit on 2 separate cards. Citibank decision not only caused the decrease in my credit limits, but it was NEVER explained why just that my name was pulled random. Thus, in turn created a hell storm within all three credit bureaus. 
When this first occurred I contacted XXXX and XXXX, both stating that I had NO major changes on their part that would have created any credit decrease ( SEE XXXX dispute # XXXX ). I have over 20 plus creditors and none of which have ever decided to decrease my credit limit during an audit. Again, I expressed that I had no new credit checks, no major purchases, and no new loans so why the random audit and why twice? XXXX had no answer, promising that it wasnt personal. She claimed she understood my complaint but couldnt offer anything to help the situation. She mentioned the credit department uses a formula to determine credit limits. I find that story hard to digest, because I actually received two large pay increases this year. Annual income increased from XXXX to XXXX and my military XXXX increased from $ XXXX to $ XXXX. 
So even if the audit was random, it sure seemed awful funny that both my Citibank cards took a significant decrease ; not once but twice and with 3 months of each occurrence. As well as happening within 10 months of a major dispute and conflict between myself and a Citibank employee over a wrong card shuffle. So, I asked again what could XXXX do or offer me to repair this issue? She claimed nothing. I asked what the CEO XXXX XXXX XXXX could do? XXXX stated nothing and that the decision came from Citibank credit department. Now I wonder why the Citibank credit department didnt call me to correct this issue. Again, XXXX had no answer other than another soft pull on my credit to request a limit increase. No thanks, I am scared they will decrease it a third time. Well, this was a wasted Sunday afternoon phone call. 

Thanks for Nothing,

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 2021-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25
Company: ALLY FINANCIAL INC.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
I had transferred a car loan from one lender to another in XX/XX/XXXX from Ally Financial to XXXX XXXX XXXX. In the process, I no longer needed GAP insurance and was supposed to get a refund. My mail was broken into on XX/XX/XXXX and the check was stolen. This was in the middle of a natural disaster in Texas and did not become aware that the check until XX/XX/XXXX. I contacted the lender, Ally Financial, who first accused me of assisting someone to cash the check and refused to help me. I filed a complaint with the XXXX  which cause Ally to reach out to me and asked me to file an affidavit with me and XXXX  XXXX XXXX who cashed the check on XX/XX/XXXX. I have been attempting to get a status of this and when I can receive my money but Ally refuses to contact me or return my calls.

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 2018-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have had a checking and savings account with them for almost 6 months now and was told that i would not be charged a monthly fee for either accounts. I filed a complaint last month because when I made my normal employee check deposit for the same amount every month, they gave me a receipt saying that the funds would be available the next day but then changed it to 4 days later afterwards. They are now charging me $ XXXX   monthly service fee which is not what i have been charged nor was I told at the opening of my 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 2021-03-25
Company: TRANSWORLD SYSTEMS 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: Was not notified of investigation status or results

Complaint:
You cant add interest or fees, or charges not authorized in the original agreement. Extra fees must be in the contract, A collection agency can not have false or misleading representations. This alleged debt that's on my credit report needs to be taken appropriate action to correct inaccurate or incomplete information on a credit report per the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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 XX/XX/2020 there were two unauthorized charges on my Bank of America account. One charge was for {$57.00} from XXXX, a company that doesn't even service my area, and the other was from XXXX for a restaurant named XXXX, where I've never eaten in my life, for {$36.00}. I called the company within a couple of days, and by XX/XX/XXXX, there was a credit on my account for these two charges and a fraud investigation had been started. My card was canceled and a new card was sent out to me. On XX/XX/2020 the credits were reversed. The company sent me a letter telling me that the orders from these services came from my device and that they match my previous account activity. I've never ordered from XXXX in my life, and XXXX doesn't service my area, so how could that be? I also have proof from my order history on XXXX to show that this order never took place on my account. I called the company again and they said that my claim was denied, and that they would resubmit it with this new information ( the information I provided earlier regarding the services ) and that there would be a resolution within 45 days. They have not been responsive or helpful at all, and I've even canceled the card ( they didn't try to retain me as a customer, since I'm clearly not valuable to them ) due to them saying that I would have to pay the minimum balance, which is the fraud charges since I pay my card off in full each month, until they are able to determine whether these charges were truly fraudulent or not. That's ridiculous. I eat XXXX and all of my order history reflects XXXX  restaurants. XXXX is not XXXX. I don't pay interest due to religious reasons, hence my card is paid in full each month, but they would make me pay interest by having me make the minimum payment until they can figure out whether this was fraud or not. The right thing to do here would have been to issue a credit again so I wouldn't have to cancel my card and be stressed about this situation that came about due to no fault of my own. I am still in possession of the card that was used, so I was not negligent in any way. Somehow these criminals got a hold of my card, and I don't want to finance their food or lifestyle. Bank of America needs to make this right. They have a {$0.00} liability guarantee which should be applied in this scenario.

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 2020-07-02
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULT. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2022-11-02
Company: EQUIFAX, INC.
State: WA
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: Problem with personal statement of dispute

Complaint:
Equifax fraudulently reported XX/XX/2022 balance of my XXXX credit card for XX/XX/2022. 

XXXX XXXX XXXX Report Date : XX/XX/2022 Reported Balance {$3000.00} Credit Limit {$5600.00} = Credit UtilizationXXXX % It was reported with a Balance of {$230.00} on my XXXX credit report on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my consumer report and find that there are numerous fraudulent addresses, accounts, inquiries, and employers listed on my consumer report. No company has reached out to me about the accounts being reported to my consumer report. I reached out to each company to let the company know that the transactions that took place to open these accounts are indeed fraudulent. I did not consent to, authorize, nor benefit from any of the following accounts and inquiries. Please block and remove them immediately : ACCOUNTS : XXXX  XXXX XXXX, ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX INQUIRIES : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 

ADDRESSES : XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX. 

EMPLOYERS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please be advised, this request to block and remove all listed items resulting from fraud is not done in error. Thank you for your attention to this matter. I assure you will not discriminate.

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