BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-05
Company: Experian Information Solutions Inc.
State: OK
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:
On  XXXX / XXXX /2017, A new collection account appeared on my Experian credit report. Reported by agency   XXXX   XXXX   XXXX  . (   XXXX   ) in the amount of {$88.00}. Original Creditor was  XXXX . I did have an account with  XXXX , but was paid in full when i closed the account and switched providers. I never received any bill, call, email or any notification that I still owed  XXXX  anything. On  XXXX / XXXX /2017, I contacted  XXXX  by telephone and was informed that I owed for an unpaid amount. I asked why I was never notified of this debt by either agency, and was informed they didnt know, and that I should have definitely been billed or contacted. I was also informed that   XXXX   had given  XXXX  the contact phone number I had originally provided when I signed up for their services, which has not changed, so I know that had they wanted to, they could have easily contacted me. Had I known they wanted more money, Id likely have paid them immediately as I have been working on my credit. No attempts in any format were made by   XXXX   or  XXXX  to contact me and inform me of any outstanding balance. My phone number has not changed, and I am rather easy to contact. Fair notice was not given to me by either company before this mark was added to my credit 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 non-monetary relief
Consumer complaint received 2017-12-22
Company: AMERICAN EXPRESS COMPANY
State: MI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am filing with the CFPB to preserve a written record per my attorney 's advice. 

On XXXX XXXX, XXXX, I called American Express concerning Fraud charges and payments on my American Express card. Asked for my credit card account to be blocked due to fraud. The call was taking long and I had to get to the hospital for a personal issue. I informed the representative I would call back later that day ( XXXX ) to complete the fraud claim. 
I attempted to call later that day several times. Holds were over 5 minutes. Maybe I am impatient, but I will not hold longer than 5 minutes. 
I went online and used American Expresses CHAT. This took over an hour including losing the connection or being disconnected at least 3 times and each time I would have to re-summarize the events. I informed American Express all charges and payments from XXXX through XXXX XXXX are unauthorized with the exception of a couple auto payments to : 1. XXXX XXXX for {$140.00} and XXXX for {$150.00}. XXXX and 2. XXXX XXXX XXXX for # XXXX and XXXX for {$47.00} were fraud. Every other transaction for those days are fraud. I also informed American Express I did not have the card and it could have been taken or lost and then found by someone anytime between XXXX and XXXX. 

I am most concerned with 2 things : 1. Why American Express 's security system did not identify fraud and alert me. I rarely make online payments, except in an emergency all my payments are by USPS mail. And I have never made payments on consecutive days. This should have set off an ALERT! 

2. The payment on XXXX for {$2300.00}, that was actually deducted from my checking account. My wife and I are retired, she has serious medical issues that require expensive XXXX and I have recently been diagnosed with XXXX. ( not sure how much my medical expenses will be. Our medical insurance typically enters the '' doughnut '' phase forcing me to pay thousands for life saving XXXX. 

When I informed the Chat representative he/she wanted me to call for a payment reversal. I tried the XXXX number but Again, i will not wait on holds for extended time and I prefer all correspondence in writing. 

My fraud claim is already in, but considering the {$2300.00} currently taken out of my checking account I want to make sure the request for a payment reversal on that specific transaction is clear and documented. I did not make the payment on XXXX XXXX, XXXX for {$2300.00} and I did not authorize anyone else to do so. I am asking American Express to Please do a payment reversal and provide me with results of the investigation that would help me understand how my checking account was accessed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-25
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On the XXXX week of XXXX, I sent a letter to the bureaus disputing errors on my credit report and have not received any response within 30 days which is stated in the FCRA. I sent them another letter on the XXXX of XXXX to complain about it and still up to this date they ignore my dispute. This highly affects my scores and opportunities and it is against my rights to have them report inaccurate information on my credit report, and not responding to my disputed within the time stated by the LAW. Legal actions will be taken if this was not resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX should not be reporting to Equifax ; XXXX and XXXX that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account had been transferred and one of my payments had been processed incorrectly and because of this processing error my account had reported a late payment. The payment of XXXX had actually been entered as a payment for XXXX. Consequently because of this initial data entry error, this account has been falsely reporting a ( 30 ) day late. I contacted XXXX and I was assured that this data entry error would be corrected. Unfortunately, they did not keep their word and this account is still reporting wrong. I have contacted the bureaus as well to remove this late however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I have an account with Toyota Motor Account # XXXX, the payment status which is listed isn't accurate. I have reached out to Toyota Motor to question the payment history They sent me a letter which I attached saying that no late pays existed and no other mention about anything negative reported. I am unsure why I am still seeing negative comments listed on my credit profile ( see attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: Experian Information Solutions Inc.
State: CA
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:
Experian continues to give invalid or incorrect data on my credit report. 
Example, last month I had a credit score and this month they removed my credit score. 
I have had several collection accounts deleted from my credit profile instead of my credit score increases to acknowledge the paid account Experian removes the account thereby not acknowledging the accounts as being paid. 
I had a {$18000.00} account that was paid and instead of them showing the account as being paid they closed the account. 

I would like my credit score adjusted to show the paid accounts and the 3 credit card accounts that are opened with a low balance. 

I would like to remind Experian of the following lawsuit listed below. I have been in contact with the attorney that represented the plaintiff listed below and if this matter is not resolved in the next 30 days I will not hesitate to pursue legal action. 

XXXX, Ore. -- A federal jury in Oregon has awarded {$18.00} XXXX to a woman who spent two years unsuccessfully trying to get XXXX  XXXX XXXX to fix major mistakes on her credit 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 2021-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I closed a self-directed Merrill Edge account that has been open for 5-10 years. I was not made aware of any closing fees for transferring this small account. I noticed on my account history there was an account transfer fee ( ACCT TRF FEE - {$49.00} ) which I was not notified I would have to pay. I called and spoke to a representative and complained and they would not reverse the fee. I escalated to a manager who refused to take any action to fix the situation. I feel powerless to recover this fee and Bank of America knows people won't take the time to bring up these egregious fee practices.

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 2022-08-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian please please read this. And please copy to your superior. Hopefully you and your boss are Americans who refuse to be whores to large unprofessional companies. XXXX XXXX XXXX XXXX ( XXXX ) is copied but does not read or acknowledge if you pass this to them. For 5 years I have requested a copy of the permissible permission used to access my credit report by Experian and XXXX XXXX XXXX XXXX. XXXX refuses to even read but lists everything as duplicate. They did send the attached letter stating the inquiry by XXXX would be removed. This is laughable because inquiries automatically drop off after 2 years, XXXX  is just playing funny games like children. But after 5 years they did state that credit was pulled on XXXX. This was one day before they had approval. See 2 attached applications / permissible permissions ; one dated and the other dated. Both are different with information but one is undated. One is dated XXXX, one day after my credit was pulled. EXPERIAN, PLEASE RESEARCH YOURSELF AS KEEPER OF MY INFORMATION AND DO NOT PASS TO XXXX TO DEFLECT LIABILITY.

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 2017-12-22
Company: NAVY FEDERAL CREDIT UNION
State: CA
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 customer service

Complaint:
I am a member that was affected by the disgusting and illegal debt collection practices Navy Federal Credit Union conducted. The XXXX ruled that Navy Federal Credit union compensate " members '' that were affected by their disgusting and illegal debt collection practices, such as locking me out of my checking account if I missed one credit card payment. I contacted Navy Federal Credit union to alert them that I was a " member '' affected by their disgusting practices ; and I was told by a supervisor that they would audit my accounts affected and I would receive a letter in the mail. 13 months, and several attempts to contact Navy Federal Credit union about the matter I still have not received a letter nor compensation. My question now is did Navy Federal Credit union contact all " members '' alerting them of the XXXX ruling? Why did I not receive a letter?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Back in XX/XX/XXXX I called XXXX inquiring about a phone I was told our old it to XXXX call XXXX and stated to them that I never received the last bill and that I still have equipment and if they sent me the proper shipment information I will return the item I spoke to a representative he gave me a confirmation number and stated that information would be deleted do to not notify me of last bill and not sending you boxes to pick up the equipment. I called again just to verify the confirmation number XXXX representative stated they werent aware what the number was I requested that a supervisor called me and I never received a phone call. After two months of XXXX I called in again stated to them that I never received a call from the supervisor is I still have the equipment and what do I need to do with it the amount that they are requesting was {$700.00} I did not owe that amount because they failed to get their product I stated to them that I would more than be more than happy to pay the last bill and that I cancel the services and they never updated their system.This whole process is in attempt to Hendering my credit due to in accuracy and failure to Process this matter accurately Ive called several times and have yet to hear from a supervisor and was told that the account was deleted and now I have a letter from a collection agency inquiring to collect the debt that is not owed

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 2018-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I initiated a dispute with Transunion regarding the reporting of a bankruptcy on my credit file. The dispute was submitted on XX/XX/2018 and I was notified that it had to be processed manually. I have yet to receive any follow up within the 30 day window for this dispute. I understand that it may take additonal time and waited until the 45 day mark. It is a few days away from the 60 day mark which is unacceptable. Transunion should be very well aware how costly inaccurate items on consumer credit reports can be. I have attached the confirmation page I received from submitting the dispute on XX/XX/2018.

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 2018-10-02
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a {$6000.00} Loan from Main One, XXXX XXXX, XXXX, South Carolina., XXXX 2018 and could not see at the time thru the need of XXXX XXXX. Had the XXXX XX/XX/XXXX, 2018.. went over Loan agreement which is at 35 % ..But they are trying to charge me {$12000.00} on a {$6000.00} Loan ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Santander Consumer USA 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:
This account is in litigation. Ive already filed complaint with attorney general. Im now reaching out to cfpb because Santander is continuing to report this account even though Im apart of settlement. I filed complaint previously to cfpb which includes complaint number. Santander admits they have no info on this account!! Yet theyve repeatedly validated it to XXXX and XXXX. I also noticed that this has been a common problem with Santander and there is a current lawsuit with cfpb. Please assist me in resolving my concern. Once Again Ive attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: ID Analytics, 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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX I went to purchase a new vehicle. They was to run my credit with the finance company that I had already finance my car with. A few days I am receiving multiple letters from different banks etc. On  XX/XX/XXXX , I received a letter from   XXXX   XXXX  . It states that SageStream , LLC used my credit to make a decision. I did not authorize this company nor any other company to pull my credit. I do not know who this is. I have contact this company, with no results. I have   XXXX   to find out how I can get a better resolution.
Hope this will be the best result.
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent a letter off 60 days ago to all 3 credit agencies and havent gotten a response back I also sent out a 30 day comply and demand letter with no response..now by FCRA laws im supposed to recieved a reponse in 30 days and if not its supposed to be deleted off my credit report. I would like this matter taken care of so i can move forward with my endeavors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to Trans-Union regarding my credit file. Trans-Union further violated my rights by adding this incorrect information to my credit profile for others to see XXXX XXXX XXXX reported to the Trans-Unions that i applied for credit in which i never applied for. They have violated my rights to have fair and accurate information on my credit. 

My personal information on my credit report is inaccurate as well. I have requested to have my addressees, hone numbers, and names correct on my report this is a violation on my consumer protect rights.

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 2023-01-26
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The date of service was XX/XX/XXXX with XXXX XXXX XXXX, XXXX, of XXXX XXXX XXXX XXXX a branch of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ). I received a collections letter from Bull City Financial in early XXXX of XXXX for the amount of {$120.00}. I paid the full balance on XX/XX/XXXX directly to the provider. I received a receipt from the provider and a receipt mailed from Bull City Financial. I have disputed this item multiple times with XXXX and Bull City continues to furnish incorrect information making it appear as if this item remains unpaid. The item has been deleted from XXXX, and XXXX, however XXXX continues to report this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: Continental Finance Company, LLC
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
They reported late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. I am pretty sure I was not late. I keep disputing this with them and the credit reporting agencies and I also sent them a hardship letter because I did belive I was delinquent at one point but I am not. I want them to show proof of all the delinquencies. THEY ALDO GAVE THE ACCOUNT AS CLOSED WHEN IT'S NOT!!!! THEY'RE REPORTING INACCURATE INFORMATION. WHICH IS ILLEGAL.

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 2018-07-14
Company: Northwood Asset Management Group
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was contacted in XX/XX/XXXX by someone claiming they were from Northwood Asset Management Group and they were calling me regarding a debt with XXXX XXXX. She claimed they had a VOE ready to verify my employement to begin garnishing my wages and they wanted to resolve it instead of letting it get to that point. I ended up setting up payments to be automatically deducted from my checking account. Those payments became too much and I decided I wanted to revoke my ACH authorization and send payments by mail, as well as reduce them. The man I spoke to on the phone was rude and unprofessional. He argued with me, asking me if I owed the debt, why wouldnt I want to take care of it and not allowing me to revoke ACH authorization. I began talking over him because he was becoming so nasty and he would ask me if he could speak or finish speaking. I kept repeating I wanted to mail payments and revoke ACH authorization. He eventually put me on with a supervisor, XXXX XXXX. He was much nicer but again, wouldnt revoke my ACH authorization. He said they didnt accept payments by mail, and also claimed they didnt have a website for me to check them out on. I asked for copies of my debt, as well as the VOE the lady claimed to have in XX/XX/XXXX and he said he didnt have any of that and they dont keep paper in the office, and they dont even have any paperwork because they bought the debt from someone else. He said he could send me a validation letter from them, but thats it. Nothing pertaining to the original debt. My ACH authorization was never revoked, but my payments were reduced.

Company response to consumer: Closed with monetary relief