BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-29
Company: EQUIFAX, INC.
State: NC
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 Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: ENCORE CAPITAL GROUP 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: Account information incorrect

Complaint:
MIdland Funding ( Supervisor XXXX XXXX, XXXX ) and XXXX XXXX ( XXXX ) have pursued legal action and have been successful in garnishment of my wages. My employer has verified satisfaction of the garnishment. Ive reached out to both creditors asking if I could receive a letter of satisfaction being as though the debt was satisfied and was advised the account will not be updated until the money is actually received from the courts. Midland Funding through the online court system verified satisfaction of the debt and still wont update. Im not even sure how they are able to pursue such action as they are NOT the original creditor. Ive pleaded with both companies being as though Im in the process of purchasing a home and this is delaying the process and neither would budge, my employer was willing to furnish this information and that wasnt enough. My back is against the wall, not only will they not furnish a satisfied letter, they wont update the credit report. As the nation is facing this crisis Ive reached out to the courts to confirm receipt of wages and unfortunately unsuccessful as well. Im asking for your assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13
Company: EQUIFAX, INC.
State: AL
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:
Hello, I have an account that was opened in 2010 and, I have paid the account off with the creditors. That XXXX sold my account to and EQUIFAX will not remove the item off of my credit report with that being said its been 9 years truth to be told its suppose to be removed after 7 years I paid the account out. So I need EQUIFAX to treat me with accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29
Company: BlueChip Financial
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
On XX/XX/2021 I received an email indicating that a loan application with Spotloan using my information had been denied. 

I responded to the email that I had not applied for a loan, and was told by Spotloan that someone had done so using my information. I asked them to void the application and remove any inquiries on my credit report, but they refused to do so unless I gave them personal information and " proved '' that I did not apply for the loan. 

The company has so far refused to provide any information about the loan, and what information was used to apply for it. They have also refused to void the application, saying that unless I proved to them that I didn't apply, they will assume that I did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: EQUIFAX, INC.
State: OH
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 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 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

( Original Creditor : ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

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 2020-09-03
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:
On XX/XX/XXXX I mailed a certified letter to Experian disputing a late payment in XX/XX/XXXX that was on my credit file. On XX/XX/XXXX Experian mailed me back the investigation results. The results was verified as accurate and no changes to my credit file. I have provided Experian proof of my bank statement highlighted the amount that was paid on time in XX/XX/XXXX for the amount of {$110.00}. On my bank statement it shows XXXX which is part of XXXX. The telephone number provide on my credit file is listed as well. I'm having difficulty with Experian to correct my credit 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 2020-08-28
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This complaint is a follow up complaint to my previous complaint that I had filed against Citibank. Yesterday On Thursday XX/XX/2020I received a letter in the mail from Citibank which states their final results into there 90 day resolution to track down and recover my XXXX dollars plus that was stolen directly from my Citibank account they provide a paper which shows their is no authorization for the transactions and amount stole at the bottom of the paper it states if you agree to these charges and total please sign here there is no signature because I did not authorize those charges. It doesn't even make sense for Citibank to provide me with what they call " evidence '' and it proves my point that there was no authorization! That's why the company does not have my signature or approval on any of their paperwork that states the amount they stole from me. ( Attached to this complaint is the 2 pages Citibank sent to me via mail ) Citibank needs to return my money that they allowed to be stolen from me. EVEN WITH THE PROOF THAT XXXX XXXX XXXX  PROVIDE CITIBANK WHICH SHOWS THAT I DID NOT AUTHORIZED ANY OF THE CHARGES CITIBANK STILL REFUSES TO RETURN 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 2020-01-23
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:
The number of times late that is being reported on my credit report seems inaccurate and or misleading. Please provide proof that the alleged account was in fact late and that you have taken the necessary steps to properly investigate your allegations Please provide this information and correct this account immediately so that it shows paid as agreed, never late.

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 2021-06-25
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
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 paid credit Acceptance in full and they agreed to remove it from my credit report immediately. All other reporting agencies did except XXXX. The company denies derogatory being on the paperwork but XXXX XXXX still has not fixed it after multiple reports and 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 explanation
Consumer complaint received 2019-11-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX am trying to avoid filing bankruptcy. Previously by writing to my creditors I explained my personal situation, where another person I trusted ran up my debts without my knowledge. I could have filed for bankruptcy earlier this year, but have decided to try another avenue. I seek settlements of the debt posted in this report for 20 % of the charged off amount with terms. Accordingly, I would appreciate a quick response as I will agree to settle these collection as they are accepted. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I entered into a loan modification agreement with Huntington Bank. I met the qualifications of the loan modification payments and made my new payments on time XXXX, XXXX, and XXXX of 2021. Instructions as of the initial agreement said if I made payment prior to XX/XX/2021 that I would receive a modified loan agreement with the new payment. Huntington never sent me the new loan agreement. XX/XX/2021 I inquired as to where the new agreement was and was told the flex modification department was behind and to continue making the agreed upon payments. I have made the payments since XXXX of 2021 that were part of the loan modification every month that I was instructed to do in the amount of {$1400.00} and Huntington has repeatedly reported me as 120 or more late which is not accurate. I submitted the modification letter and the inaccurate late payments have not been removed from my credit report. When I call to make a payment numerous customer care agents at Huntington fail to see my modification agreement and tell me it does not exist until they take a while to look into my account and then they see it. Then they accept my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I opened an account with BBVA as I was contacted by XXXX to reconsider BBVA as my banking institution. Well, I opened my account and a week later I went to withdraw funds from my account and was told my account had a hold on it and that funds wouldn't be made available as they were held due to a previous charge off. Well, I asked why would you request I open an account if I had a charge off and at which point the branch manager had nothing to say other than she would try to get the funds released and have the issue addressed. Well, I told the branch manager that the charge off would have been addressed in the bankruptcy filing from 2014 at which point she said to let her look into as she is very good at getting holds removed. Well, she calls me a few days later and states she can't get the money back to me and that I could talk to someone in her back office as to why. I know this is a deceptive practice as I didn't contact BBVA to reopen an account they contacted me and if I was forbidden to have an account with BBVA that is something they should have addressed and ensured I would not be contacted. The other issue I have is that this should have been addressed via bankruptcy and the charge off spoken of removed as BBVA was included in my bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I recently ( XX/XX/XXXX ) opened a Premium Rewards credit card with Bank of America to take advantage of a great offer. The fee related to the card is an annual {$95.00} fee. I opened the card and began using it and was immediately charged the {$95.00} annual fee unexpectedly on XX/XX/XXXX.. I called Bank of America after reviewing my card member agreement and the online fees section to let them know that the fee on the agreement and online says nothing about charging me immediately for the fee and was told by the specialist that " we have that information here but its not on the agreement. '' My concern was passed along to Sr. Management and was told not to expect a reply. 

Today ( XX/XX/XXXX ) I called and spoke to a card member specialist and  then escalated the call to her supervisor XXXX, both very nice. Both agreed that I have a valid complaint, which is that I want the annual {$95.00} fee refunded as I assumed it was an annual fee that I would expect to see charged to my account in the 12th billing cycle, not immediately. They were unable to refund the {$95.00} fee and told me to send a written inquiry to the billing department when my bill arrives. In my opinion, this is a UDAAP violation as Bank of America omitted specific information about when the annual fee would be charges to the account ( as other credit card companies make clear in their credit card agreements ) to make the offer more appealing to consumers. Had Bank of America stated this information in the card member agreement and fees section online, consumers might not apply for the card for this reason alone. 

I simply want my {$95.00} annual fee refunded and for Bank of America update their card member agreement related to this offer to clearly state when card members will be charged with this {$95.00} annual fee.

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 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Some accounts were brought to my attention when I got my credit ran to see if I pre-qualified for an auto loan ; The accounts are from these companies XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and US BKPT CT CA XXXX. None of these accounts belongs to me and I am not affiliated to any of these companies in any way. I did not allow anyone else to open these accounts in my name and I did not benefit anything from these accounts nor did I contribute to any payments made ; I do not have any written/verbal contract with any of these companies and I never gave them permission to access my credit information. I have filed already filed a police report regarding these accounts.

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 2020-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I am a military XXXX XXXX spouse and recently applied ( XX/XX/2020 XXXX for the Amex Platinum Card due to the benefits of having the {$550.00} annual fee waived under the SCRA and MLA act. I documented on the application that this was the case and did all the relevant steps to ensure I was covered. I then called before the application was successful and reaffirmed that I was active military spouse and was informed that I must wait for the card to be sent out and then apply for the benefit to be added, the call was recorded. I have since been informed that I am not entitled to this because my husbands military service doesnt qualify for the MLA despite there being no mention of this on the American Express website or no small print under the MLA act itself, since we dont qualify for the SCRA as thats for pre military service. I am now unable to have the fee waived and cant cancel the card because it will affect my credit score which I have spent years building. This was completely false lending and I feel I was miss sold during the entire process where I was not informed that there were stipulations on the military service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been in my home for over 15 years and I want to keep my property. 
There has been a lot of confusion and miscommunication that have left me now in the edge of loosing my home. The mortgage company has made modification on my property and I have been making payments but there was a balance due that has been carry thru the years. This amount was accumulated when I lost my job and I have tried to pay it off thru payments plan but the mortgage drop me from the payment plan because I file XXXX XXXX for my Home owners association. I just need help to keep my home. I have a full time job and my mother and son also contribute towards my overall payment. I can afford to pay and I am willing to pay it just that the lender tells me we drop you we are not going to take your payment then when I stop paying they call me and say, you are behind and need to pay. I has been very confusing dealing with this Lender. Now they don't want to work with me they want me to short sell or give up my property, but I have been here for over 15 years and have been making payment. My payment history shows I have been making payments until they, the lender told me that I was no longer in the payment plan and told me to go to their website to request a new refinance and that what has made this worse now. I just want to continue paying to keep my HOME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Experian Information Solutions Inc.
State: GA
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:
I having a problem which Experian removing XXXX XXXX XXXX off of my credit report which is labeled as a closed account and it is a fraudulent account.I have sent a police report to all 3 credit agents and which I was told it will stay 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 2020-05-22
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:
I have a XXXX XXXX bill that I've gotten help to contact them and they are still leaving a debt on my credit that is not mine. Please do what you can to make sure they remove this from my credit report. It stopping me from buying a home at a decent rate.

Company response to consumer: Closed with explanation