BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-02
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I uploaded a dispute based on a violation of a compliance with the FCRA and Experian sent me a letter as an stall tactic not to make their investigation, therefore violating my request to investigate this violation of the FCRA. It is an abuse and they need to do their job under the law.

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: TCF NATIONAL BANK
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We took out an equity line of credit with TCF bank in XX/XX/2020. The terms were to pay off an IRS lien and a check was issued for {$57000.00} to our home made out to the IRS to pay off this lien. We received via overnight mail as promised and had an appointment the next day to meet with the IRS as planned. When we arrived at the IRS, the building had closed due to COVID-19. After months of waiting to see if they would re-open we called and the IRS said we would either need to send in the check or pay online. The amount had changed on the lien and was now lower in the collections department. So we contacted TCF bank XX/XX/2020 and asked what our options were to try to move forward. The customer service rep said he spoke to a supervisor that said we should sign the check and write not for purposes intended and overnight back to them. It would take them 3-5 days to reconcile the account and then we could use the card we were issued to pay online. On XX/XX/XXXX we sent via USPS overnight mail and I called on XX/XX/XXXX and confirmed they had received. From that first contact I have been told something different every time I call. I have been told they don't have my check, my check is lost and to be patient. The last conversation has now been over two weeks ago when they said the only resolution they had was to re issue the check back to me again made out to the IRS for the same amount. I agreed to this and they said to allow up to a week for it to be issued and mailed to me. At this point I can't reach anyone and have been on hold for hours. This company merged with another bank and I was not issued any information about an updated loan number or how to pay on my loan. So now, when I call they tell me I should have received a new account and they cant talk to me. Currently I am making payments and have not paid the IRS and have not received my check back. This bank is completely incompetent. I tried on several occasions to escalate this to a supervisor but that seems impossible also. I feel they have absconded with my money. The customer service is the worst I have ever experienced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-25
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: Public record information inaccurate

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX XXXX, Tax Lien reflecting on my credit report with all three bureaus in error. This started back in XXXX 2017 when State sent a lien XXXX to create a judgement. I paid this account within 2 days of notice and the judgement had not even been processed. I have experience a tax lien on my previous home but it had a XXXX balance. I had to obtain tax lien release for my home that had already been paid in full. I am presently experiencing this being reported to credit bureaus which is incorrect. This should not have made it far as it did. Also I have a collection account {$190.00} for XXXX ( XXXX XXXX ) reported and I had never received a bill, email or phone call. I had paid it in full once I received notice that it was reported to the credit bureau. I have placed a dispute for this account. It appears this new law that was passed has made this situation worse with the credit reporting for me not better. I am now in the process of purchasing a home and this could possibly hinder me, but I am trusting XXXX for favor

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 2018-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I wrote my maid a check for {$80.00}. She deposited it on XX/XX/XXXX at her bank, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Fl XXXX XXXX. XXXX XXXX sends letter to my maid on XX/XX/XXXX saying check bounced, refer to maker and charged {$12.00}. I called my bank, Bank of America,XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX, and they said the check cleared their bank on XXXX. My account had {$80.00} deducted from it. I went into my bank to talk to customer service. They said the only thing they could do is refer it to a Bank of America researcher, case # XXXX. The researcher called me 3 days later and said there is nothing Bank of America can do because the check cleared. I told my maid and she called the manager at her XXXX XXXX Bank to relay this information. XXXX XXXX said the check bounced and there was nothing they could do. I have documents showing the {$80.00} left my account in Bank of America on XX/XX/XXXX and the XXXX XXXX XXXX letter saying my check returned unpaid [ bounced ]. My BoA account averages a monthly {$20000.00} balance for the last 15 years. [ I have had an account for over 40 years and only credit cards I use are from BoA. ] I am concerned that this is such an obviously simple problem and the banks do not know how and/or are unwilling to fix it. What if the check would have been {$8000.00} instead of {$80.00}. I would be forced to file a lawsuit for damages and attorney fees. These banks are regulated by the federal government. All banks doing business in the U.S. should be made to take care of simple basic errors in banking and not subject their customers to spending their valuable time and money correcting these simple mistakes. IF U.S. NATIONAL BANKS CAN NOT TAKE CARE OF THIS SIMPLE PROBLEM, IS THIS A SAFE PLACE TO PUT YOUR MONEY?

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 2021-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a CapitalOne credit card that I have had since XXXX. I make my payments on time every month, as I am enrolled in autopay. I don't check on my account much, as i have never had any issues or troubles with it. I don't use the card anymore, just trying to pay the balance down. Well, my husband was notified that his credit card payments were past due. We called and were told we were unenrolled in autopay and it must be an issue with the bank. We called the bank, no issue. So, we re-enrolled in autopay and had to pay late fees. I then thought about how i have a credit card with them too, so i called and i was 2 months past due also unenrolled from my autopay. They told me that i didn't call or go online to do this, so they were trying to figure this out. This phone call happened XX/XX/XXXX, and they advised me to call back when my husband was around so that we could get this figured out, since he had a similar situation. So i called back XX/XX/XXXX and went through numerous people trying to find out why this happened. They finally told me that they unenrolled me, because my address changed. ( I moved to a new house, same town, same zipcode, and still own the house at my old address ) not sure why that would cause an issue. They said it was part of their terms and if i had an issue to take it up with the credit bureau. I paid my balance contacted all credit bureaus, but they could do nothing. Just updated my account balance, etc. So i am reaching out as i have two hits on a previously good credit score for something that i did not do. Capital One should be held responsible for this con, and shouldn't be allowed to tamper with someone's autopay. I am appalled. I would like my credit report cleaned up, as I DID NOT TURN OFF AUTOPAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: EQUIFAX, INC.
State: IL
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 a documented ID theft victim of the 2017 data breach from Equifax. I have been trying for 2 years to repair the damage caused from such breach, however, Equifax refuse to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 attaching to this complaint an affidavit of identity theft regarding an account with XXXX XXXX XXXX XXXX  and a derogatory report they are placing upon my XXXX, XXXX  and Transunion credit reports. I did not open this account and although I have filed several disputes regarding this matter and have stated identity theft as the reason for the account, XXXX, XXXX  and Transunion are allowing XXXX XXXX XXXX XXXX to continue to report this erroneous item to my personal credit bureau. Additionally, although noticed under Section 609 FCRA, XXXX XXXXXXXX XXXX XXXX has failed to provide the required items under Section 609 FCRA. I am attaching a lawsuit filed by The Federal Trade Commission against XXXX for engaging in the exact same misconduct XXXX XXXXXXXX XXXX XXXX is engaging in.

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 2017-08-03
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX, Tax Lien reflecting on my credit report with all three bureaus in error. This started back in XXXX 2017 when State sent a lien XXXX to create a judgement. I paid this account within 2 days of notice and the judgement had not even been processed. I have experience a tax lien on my previous home but it had a XXXX balance. I had to obtain tax lien release for my home that had already been paid in full. I am presently experiencing this being reported to credit bureaus which is incorrect. This should not have made it far as it did. Also I have a collection account {$190.00} for XXXX ( XXXX XXXX ) reported and I had never received a bill, email or phone call. I had paid it in full once I received notice that it was reported to the credit bureau. I have placed a dispute for this account. It appears this new law that was passed has made this situation worse with the credit reporting for me not better. I am now in the process of purchasing a home and this could possibly hinder me, but I am trusting XXXX for favor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received my XXXX visa statement and noticed 2 large purchases that I did not make XX/XX/XXXXto XXXX for {$1000.00} andXXXX to XXXX for {$1100.00}. I called Chase visa and reported it. they cancelled that account and issued me a new card. and said they would look into the charges. My next statement came and still had the charges on it. I called again and spoke in more detail to someone I assumed was an investigator. he asked questions about an address that was't mine and said he would get back to me, no one did. My most recent statement still has the charges on it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-14
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Paypal has limited my account and will not give me a reason as to why. I have funds in my account that would like to withdraw and Paypal will not permit me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have disputed this with both Experian & XXXX XXXX credit. I have inaccurate multiple late fees showing on my credit report in XX/XX/XXXX. After months of disputing this with both companies the late fees were taken off and then added back the next month. I had no knowledge or written letters sent to me saying they were putting these late fees back on my credit report. I disputed it again & asked for proof of this inaccurate info from the company. I was given no information. It was deleted again. For the last time, this card is paid off & I am demanding to have these late fees deleted or the entire card deleted off my credit report. This is absolutely ridiculous that someone has to keep battling over inaccurate information with this one credit bureau. It is also a violation. Please remove the late fees or delete account from 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 2020-01-25
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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 2020-01-25
Company: FIRST NATIONAL BANK OF OMAHA
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a credit card at first bank card.com/tcf bank. I paid my balance in full by the due date. They still charged me a interest charge of XXXX .I called customer service XXXX XX/XX/2020 and XX/XX/2020 to try and get this charge reversed. They refused to do this. They also said that Ill have another interest charge next month even if I pay the full amount. I feel that this is unfair and that their statement is false and misleading. All of the credit cards that I previously had didnt charge you interest if you paid in full every month. Any help, you give would be greatly appreciated. Thank 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 explanation
Consumer complaint received 2021-01-31
Company: Millco Management
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to reach Amerifinancial Solutions on numerous occasions regarding this debt that I allegedly owe. I never had an account with the original creditor and have also received no response from them when asked to show documentation or a signed contract. I know that I have no signed contract with Amerifinancial Solutions nor did I authorize them to open an account in my name. It is illegal to add unverified and/or inaccurate information to a persons credit profile. With that said I am demanding that Amerifinancial Solutions provide original signed contracts that prove they are attempting to collect a debt from the correct person, confirm that the account in question has not passed its XXXX, proof that they are a licensed debt collector in the state in which they are attempting to collect from along with their license number AND proof that they have the legal authority to represent the original creditor in legal matters. 

If these things can not be provided I will be handing this over to my attorneys and seeking any and all remuneration for the multiple accounts that they are listing on my credit reports under the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: Paypal Holdings, Inc
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Im XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX XXXX my s s number is XXXX Im have a problem paying items at XXXX payl pal is preventing me from completing purchases because I dont have paypal or use it as I have been banned from paypal the most recent was XX/XX/2021 INVOICE DATE XX/XX/2021 ORDER NUMBER XXXX SOLD XXXX ( 1 item ) INVOICE TOTAL US {$120.00} Order XXXX XXXX XXXX Electric Guitar. Custom color, matte finish, Perfect See cancel details - INVOICE DATE XX/XX/2021 XXXX XXXX XXXXXXXX Electric Guitar. Custom color, matte finish, Perfect Status : The order was canceled beacause I couldnt complete the transaction all my creditcards are effected I can not us them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XXXX XXXX, I went to XXXX XXXX XXXX in XXXX Fl, to Purchase a car for my son, using installment financing. When the dealership went to Equifax for my credit score, the report yielded a XXXX credit score. So I signed up for the Equifax XXXX XXXX and that report shows a XXXX Fico Score for Equifax. Not sure why there was no credit score provided to the dealer but I need this fixed immediately.

Company response to consumer: Closed with explanation