BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Between the months of XX/XX/XXXX - XX/XX/XXXX I have disputed multiple times with XXXX  XXXX to delete the closed credit card account due to XXXX  XXXX violating XXXX XXXX COMPLIANCE I have paid the account but XXXX  XXXX refuses to delete the closed credit card 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 explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: MN
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:
Hello : Im just going through my credit report a few days ago and I saw XXXX, Equifax XXXX XXXX has all these hard inquiries some listed more than once on my report I dont know where those companies came from and I saw the date is XX/XX/2023 it was when I went in for a car purchase but I had no clue XXXX was going to just throwing my information all around and he said it would be just two or three. I saw to many to understand I was very angry and confused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I signed up to receive my statements online because the bank charges {$3.00} per statement to deliver them via USPS. But I can not access my latest statement ( which should have been generated on XX/XX/2023, and it is now XX/XX/2023 -- and my latest payment based on the XX/XX/XXXX statement is due TODAY!! ). I contacted the bank by telephone to find out why the statement is not available to me online, and all their representative could tell me was that it was " delayed. '' She could not tell me why or when I would receive my statement. Yet I am still expected to make my payments on time!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased a XXXX  XXXX from XXXX XXXX XXXX XXXX located at XXXX XXXX, XXXX, GA XXXX. At the time of purchase I told the sales rep ( XXXX  ) I did not want my payments to go above {$1000.00} per month. She assured me she would get me a loan that would fit my budget. As a result she got me a loan with Santander Consumer USA. I was told my interest rate and the amount of my monthly payment ( XXXX ) and for how many months I would have to pay to own the car. At that point I agreed to the deal and they gave me the car on the spot without me even giving any money at that point. They said bring back the down payment at another time so I did. Turns out what they told me was false. The loan they got me into was structured in such a way I would never pay the car off. Santander not only charged my interest on the loan for the car but also charges me Daily interest on top of my agreed rate. So I have been paying on this loan for almost two years now  and Santander keep over XXXX of my money and told me it ALL goes to the interest and not my principal balance. As a result I still owe the same amount on the car as I did the first day XXXX brought it home. I have tried to trade the car in with other dealer but the fact santander keep all my payment the car is worth less that what I owe by a large margin. This is not right!! I work to hard for my money to be taken advantage of by a lender and car dealership trying to defraud me. I contacted Santander and they said their is nothing they can do beside come get the car if I don't want to continue to pay. So if I turn the car in they not only keep all the money I have paid but they also get back their car for resale. PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Prior complaint ID XXXX. 

Issue is not resolved as stated by BMO Harris bank. I still do not have the ability to set up external transfers on the account as state in the company 's 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 2020-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
an capital one account has been opened in my name and has a balance of over 1500 . I have informed the company that it has been an issue with identity theft and capital one has did and investigation and are still holding me at fault which is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, 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:
This is my fifth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$2200.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XX/XX/XXXXXXXX Balance Owed XXXX {$12000.00} ; XX/XX/XXXXXXXX Balance Owed : {$0.00} ;XX/XX/XXXX XXXX Balance Owed : {$2700.00} XXXX XX/XX/XXXXXXXX Balance Owed : {$4800.00} ; XXXX XXXX Balance Owed : {$5600.00} ; XX/XX/XXXX XXXX Balance Owed : {$12000.00} ;XX/XX/XXXXXXXX Balance Owed : {$2700.00} ;XX/XX/XXXXXXXX XXXX XXXX : {$2700.00} ; XXXX XXXX Balance Owed XXXX {$380.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$3500.00} ;XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
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:
In accordance with the Fair Credit Reporting act, the following accounts have violated my rights.

15 U.S.C 1681 section 602 A. states that I have the right to privacy 15 U.S.C 1681 section 604 A subsection 2 also states that no consumer reporting agency is aloud to furnish an account without my written consent 15 U.S.C 1681 c. ( A ) ( 5 ) also states that no consumer reporting agency may make any report for any items other than records of conviction of crimes Account # XXXXXXXX XXXX XXXX for a late payment in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a late payment in XXXX of XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX ) for a collection of {$700.00} There are also accounts that I was not able to get the account numbers for that I also believe have violated my rights. These accounts include any hard inquiries or student loans that are currently on my 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
Consumer complaint received 2018-10-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian is reporting inaccurate unverifiable information on my credit report. Experian is reporting a Chapter XXXX Bankruptcy in my public records that has not been 100 % properly verified. After conducting a reinvestigation from my last dispute Experian stated in their result finding that they have contacted the public record vendor ( US BKPT CT IL XXXX ) to verify the disputed Bankruptcy is reporting accurately. 
I have reach out to the ( US BKPT vendor ) with the contact information given to me by Experian and this vendor has confirmed that they DO NOT report this type of data to credit reporting agencies. They also confirm that they do not have any information on me at this time. Experians method of verification for public records is not complying with the requirements of the Fair Credit Reporting Act ( FCRA ). 

This inaccurate chapter XXXX bankruptcy has been deleted from my other credit reports. Please see attachment.

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 2022-08-18
Company: Aspen Yo LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had an approved requested Cares Act Forbearance Plan with XXXX XXXX XXXX XXXX  that did not get transferred with my loan when they transferred it to Gregory Funding XXXX XX/XX/2022, they said it would take up to 60days to get all documents transferred. I filed an application for Oregon Home Owners Assistance Program, and also filled out loss mitigation papers to avoid foreclosure, The packet was approved today. With a loan payment amount increase of {$360.00} plus an escrow payment due of {$1200.00} in which my escrow account was XXXX balance upon transfer. I would like to know why it wasn't transferred with the loan. GF is asking that escrow account be paid on XX/XX/2022, and a payment of XXXX due 2 days later. Today followed up with a phone call pertaining to the documentation I received today, and they denied that no where on document does it say lender will proceed with foreclosure if payment is not paid promptly. I repeated the section in where that is stated and the rep said thats if you dont make a payment on your new forbearance plan. I though Forbearance is a differed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Navy Federal Credit Union show on all XXXX of my consumer reports. The NFCU appears as being late 30 days. Yet the send me documentary evidence that shows me as the original creditor. The documentary evidence shows a finance charge was applied to this alleged debt.

15 USC 1605 Determination of a finance charge ; 15 U.S. Code 1605 - Determination of finance charge. ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended and imposed directly or indirectly by the creditor as an incident to the extension of credit. 

With finance charge being deemed " sum of all charges. '' A creditor or alleged credit has not right to treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit, pursuant 15 USC 1602 ( l ). The existing device used as a credit card in this transaction was my social security card. Remove all late payments immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
On XX/XX/2018, XXXX XXXX XXXX reported a negative trade line on my credit report without sending any verification in regards to the CCLR report standard form 750 claims collection litigation report Sec.904.2 of the federal claims collection standard 31.CFR900-904 is a requirement relating to particulars in the amount of {$46000.00} and {$33000.00}. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they must have a post judgement from a court of competent jurisdiction or 2 ) prior consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York general business law sec 349-Deceptive act, sec 380S-Identity theft and title 15U.S.C.Sec.1632-form of disclosure ( 2 ) creditor to provide contracts to the bureau. As defined under the title 18 U.S.C.Sec 1030-Access devise the reporting agency did not follows the laws under title 15 U.S.C.1681 S-2 ( a ) - duty of furnishers of information to provide the accurate information Attachments area

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: MD
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:
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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-24
Company: CITIBANK, N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX Citibank closed my account with no legitimate reasoning. Nevertheless, they placed a blocked on me being able to recover my funds in my account in the amount of $ XXXXAs of now the account is still closed and they have not given me my money they told me over the phone that I could go to the bank to recover my account funds. Got to the bank for the banker to say that I wasn't allowed to recover my own money without reasoning and that I had to wait on a letter and 60 days. XXXX XXXX I received the letter in which the letter states that I am able to in fact recover my money from a branch yet I still am unable to receive my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: JPMORGAN CHASE & CO.
State: FL
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:
On XX/XX/2023, I contacted the Chase credit card company and requested that an agent transfer XXXX Ultimate Rewards points to their transfer XXXX XXXX XXXX XXXX The agent who handled the call had trouble understanding XXXX, so I re-read everything and verified she had the correct amount of points to be transferred and also the correct XXXX account number to transfer them to. After the call I went to the Chase website and saw that XXXX points were transferred to XXXX XXXX instead of the XXXX I requested. I called Chase and asked them to reverse the transaction, listen to the recorded call tapes, and they said they are unable to do that and would investigate and send me a letter in the future. I want Chase to reverse or refund the excess amount that they transferred in error, XXXX, and put them back in my account so that I am made whole again and don't have a massive amount of miles in a program that I do not frequently use and do not want those points in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/2023 I asked that these items be investigated and removed from my report In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 602 A. I have the right to privacy.

15 U.S.C 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-08-20
Company: Experian Information Solutions Inc.
State: FL
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: TN
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:
Remove 30 Day delinquency due to bank error.

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 2018-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
On XX/XX/2018, XXXX XXXX XXXX reported a negative trade line on my credit report without sending any verification in regards to the CCLR report standard form 750 claims collection litigation report Sec.904.2 of the federal claims collection standard 31.CFR900-904 is a requirement relating to particulars in the amount of {$46000.00} and {$33000.00}. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they must have a post judgement from a court of competent jurisdiction or 2 ) prior consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York general business law sec 349-Deceptive act, sec 380S-Identity theft and title 15U.S.C.Sec.1632-form of disclosure ( 2 ) creditor to provide contracts to the bureau. As defined under the title 18 U.S.C.Sec 1030-Access devise the reporting agency did not follows the laws under title 15 U.S.C.1681 S-2 ( a ) - duty of furnishers of information to provide the accurate information Attachments area

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 2020-10-01
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I received a XXXX bill form Target XXXX XXXX. I paid the bill and my bank paid them onXX/XX/XXXX. I tried to use my card and it was declined. I called Target XXXX XXXX and they said they did not receive the payment that was taken out of my bank account by Target. 

I called my bank and have incurred a {$28.00} charge to send Target a copy of the check that they cashed. This whole dispute is for {$38.00}, I pay my bill early every month. Instead of admitting the mistake..I had had to make numerous calls and been told at least another 10 days. They have hit my credit report for {$38.00}. This whole thing is absurd. However as they took my money this is fraud and it must be addresed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have an account reporting on my transunion account under the name XXXX XXXX, account # XXXX, that does not belong to me on my credit report. I sent a letters to transunion on XX/XX/18, XX/XX/2018 telling them that this account in not mine and that they remove this information because it is not accurate. They keep allowing the account to be updated by the collection agency even though ive demanded to see their proof of how they validated it. under section 609 of the fcra they must provide me with proof that this account is mine and they must provide me with the method of validation which they have not. I am 100 % sure this account is not mine. Transunion must not be allowed to blatantly break the law and allow this incorrect information to remain on 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 explanation