BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My loan started with XXXX in XX/XX/XXXX as of XX/XX/XXXX they have 26 payments. I have been told I still am behind one payment I have sent my bank records and they say I have made the payments but the system says I am behind. I have incurred late fees over this. Have 4 over 30 day marks on my credit. My payments is due the 30 every month and I have done that. There are some payments that have not been fixed either. 
XX/XX/XXXX payment posted according to their records on XX/XX/XXXX. I sent a payment XXXX, XXXX, XXXX i asked the extra from the XXXX be added to the XXXX that has never been done. Furthermore the XXXX, and XXXX payments have never XXXX combined either. My payments started XXXX XXXX to date I have made 26 payments. I am not missing a payment. I would ask for these things be corrected as I have asked for MONTHS FOR THE PAYMENTS BE CORRECTED. I have called since XX/XX/XXXX sent out emails to the proper department and not resolution at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Around XXXX, XXXX, XXXX, and XXXX of 2020, I have been trying to dispute the incorrect information from my credit report. I have also sent a big envelope with reporting documents informing them that this account isn't ' mine The documents showed everything that XXXX XXXX had given to ( XXXX XXXX XXXX ) XXXX XXXX had violated my medical rights by sending my XXXX records to this person. I will be sending you all everything that I have and was sent to me and proof I don't own this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
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:
To whom it may concern, I submitted a requested to have XXXX XXXX XXXX removed from my credit report. I have reported to the repositories that this debt is fraudulent, and I have not signed any guarantee. I have hired an attorney who expressed that I never signed a guarantee. The information in the application is not correct and obviously never been verified. The issue is the fraudsters are reporting to the credit repositories and are not providing any proof. The credit agencies are not requesting written proof of the debt. The documents have used electronic signatures in the fraud. I have enclosed my attorneys letter and email chain complaining of the fraud. I have requested the file be removed from my credit report for fraud with no result. 
Thank you, XXXX XXXX

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 2020-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I mailed in dispute letters to all three credit agencies to investigate and delete incorrect information on my credit reports. There were several accounts that were either incorrect or not mine. The letters were submitted to the credit agencies on XX/XX/2020. It has now been 30 days and I have not been updated with the results of my disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: Experian Information Solutions Inc.
State: NV
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 received a copy of my credit report and I notice I have fraudulent hard inquiries. Please remove the fraudulent hard inquiries from my credit report XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

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 2019-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I accidently sent a check made out to an individual to Capital One. After the individual did not get the check I realized the mistake. Capital One processed the check that I had made out to the individual for {$1500.00}. Keep in mind that I have a loan with them but the payment is only {$370.00}. I am not understanding why they did not send the check back to me or even notify me of the error. This raises questions as to the practice they use to handle funds especially those that are not made out to Capital One. Check # XXXX was made out to XXXX XXXX.for {$1500.00} on XX/XX/XXXX and processed at Capital One on XX/XX/XXXX. This should have never happened and the fact that I was not notified alarms me. Perhaps an audit should be done!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Experian Information Solutions Inc.
State: MI
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:
The Mortgage lates on my credit report should not be on there. 

I contacted the creditor due to COVID and they told me they would not report this on my credit report due to an agreement and being on unemployment from COVID. 


This makes me very unhappy, as I'm trying to re-finance my house to get a cheaper payment and this is making it very hard.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: MONEY SOURCE, INC., THE
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a loan with THE MONEY SOURCE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and THE MONEY SOURCE with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: Experian Information Solutions Inc.
State: NV
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 received a copy of my credit report and I notice I have fraudulent hard inquiries in my credit report. Please remove the fraudulent hard inquiries from my credit report XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

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 2019-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: ERC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
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 a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX   and XXXX with no successful resolution. Equifax and XXXX   are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: Experian Information Solutions Inc.
State: FL
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:
Hello, my name is XXXX XXXX. I am sending this message in regards to the accounts & inquiries you are reporting inaccurately on my credit file. I am unaware of the accounts and it should be removed immediately. Please check the attachment section for a letter pertaining to unverified inquiries & 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 2018-06-09
Company: Experian Information Solutions Inc.
State: NV
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 received a copy of my credit report and I notice I have a hard inquiry that is fraudulent. Please remove the fraudulent hard inquiry from my credit report XXXX XX/XX/2016.

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 2018-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 received a copy of my credit report and I notice I have an account that needs to be updated and others accounts that are too old. Please updated XXXX   account XXXX XX/XX/XXXX balance {$49.00} ( account was paid in full, balance is XXXX ) Please remove, account too old XXXX account XXXX XX/XX/XXXX ( 8 years ) Please remove, account too old XXXX XXXX XXXXXXXX XX/XX/XXXX and XXXX XXXX XXXXXXXX XX/XX/XXXX ( 11 years )

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 2019-01-07
Company: JPMORGAN CHASE & CO.
State: TX
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:
I WAS CONTACTED BY 2 COMPANIES.. ONE WAS XXXX XXXX XXXX AND THEY SAID THAT THEY WOULD GET ME OUT OF MY TIMESHARE SO I PAID THEM XXXX WITH MY DEBIT CARD. WELL AFTER PAYMENT ON XX/XX/XXXX I DECIDED THAT I DIDNT WANT TO GO FORWARD SO I CALLED TO CANCEL AND THERE WAS NEVER ANYONE THAT WOULD ANSWER CALLS OR RETURN MY CALLS. I CALLED MY BANK BUT THEY SAID THAT SINCE I AUTHORIZED THE TRANSACTION IT WAS A VALID CHARGE AND I HAD TO SPEAK TO THE MERCHANT ABOUT GETTING A REFUND ... THEN THE OTHER COMPANY THAT CALLED ME WHICH I THINK WAS THE SAME COMPANY TOLD ME THE SAME THING THERE NAME WAS XXXX XXXX XXXX AND I PAID THEM XXXX WITH A CHECK ON XX/XX/XXXX .. THE ONLY REASON WHY I PAID THEM WAS BECAUSE I REALLY WANTED TO GET OUT OF MY TIMESHARE BECAUSE THE FEES ARE ALOT OF MONEY AND I LIVE ON A FIXED INCOME. NOW I HAVE BEEN TRYING TO GET ALL THIS MONEY BACK FOR A FEW YEARS NOW AND I HAVENT HAD ANY LUCK. IM HOPING TO HAVE SOME LUCK WITH YOU BECAUSE THIS IS JUST NOT RIGHT FOR THESE COMPANIES TO TAKE MONEY FROM SENIOR CITIZENS THIS IS ABUSE. PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
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: Information belongs to someone else

Complaint:
I have submitted letters and FTC letters to XXXX XXXX on several occasions informing them that the stated account do not belong to me. XXXX XXXX have proceeded to ignore my disputes and complaints. So I need your assistance in getting this matter taken care of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX XXXX with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX/XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

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 2022-08-09
Company: EQUIFAX, INC.
State: SC
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:
Between EQUIFAX XXXX XXXX XXXX XXXX shows on the inquires over 15 times. Ive not used their services in over a year. There has been data breaches on my emails names, synthetic fraud, mail fraud, address fraud, wrong phone numbers and addresses on these account. The last time I used your service I disputed the XXXX XXXX and savings account linked to your services and never heard back from your company. There are vehicles listed Ive never owned. Ive asked your company since 2017 to remove false addresses phone numbers middle name, fraudulent debt, the saving account and XXXX XXXX acct I didnt authorize to begin with. The questions your company asked to even close it out was wrong because it doesnt pertain to me and my identity. Again please remove all addresses phone numbers emails vehicles savings Accts debit cards XXXX XXXX  accts linked debt the fraudulently reported and all these inquiries I didnt consent too. Attach is some proof Im having trouble getting into XXXX now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: NJ
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 filed an FTC report # XXXX and a dispute with Experian on XX/XX/XXXX  for the fraudulent address XXXX XXXX XXXX, XXXX, NJ XXXX due to fraud and provided a police report # XXXX. Experian deleted the address in XXXXXXXX of 2022. They then added the address back on my consumer report recently when I checked the account XXXX XXXXXXXX XXXX. I also asked them to delete the fraudulent account XXXX XXXX XXXX due to fraud. 


I also filed an FTC report # 's XXXX & XXXX and a dispute with XXXX on XXXX, for the fraudulent accounts XXXX XXXX XXXX, XXXX XXXX . due to fraud and provided a police report # XXXX. XXXX never deleted the accounts due to fraud. I also asked them to delete the fraudulent account XXXX XXXX XXXX due to fraud on XXXX XXXX, 2022 but no response yet.

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 2020-06-04
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have an account with Lowes, I closed it monthly ago due to the high interest rate. I'm still making payments. My interest rate has {$10.00} and change, it has went from {$10.00} and change to {$210.00} plus. This is outragous. Copy of my statement since XXXX is attached. 

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 monetary relief
Consumer complaint received 2019-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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 this complaint for two charges made by XXXX  XXXX on my VISA card with Bank of America. The first charge was in the amount of {$11000.00} and the second for {$900.00}. Both of these charges were made in XXXX of XXXX, yet no products or services were received in exchange. This is due to the fact that the XXXX  organization was shut down by the FTC in XXXX of XXXX. 

I had several XXXX charges on multiple credit cards with various banks, and ALL of them with the exception of Bank of America have refunded my money on the basis of these being fraudulent charges which were made by an illegal enterprise. 

After much back and forth dialogue which was necessitated by BofA 's complete lack of clarity on the information they required, I realized that they wanted exactly the same info as the numerous other banks from which I successfully obtained refunds on disputed charges of exactly the same nature with XXXX. I made countless attempts to supply all the information which they requested to help resolve the dispute in a timely manner. Their requests for further information were confusingly vague, yet still I supplied all the information I had available. 

Without offering me a chance for rebuttal, they repeatedly denied my claim and supplied me with inaccurate information regarding the state of my dispute. I was told by BofA that they had sent me follow-up letters for further details, yet throughout the entire ordeal I never received anything from them but denial letters. It was only in these denial letters that they explained what further information was needed. With every denial I subsequently had BofA reopen the case and I then submitted all requested information. In each case I continued with many follow up calls to make sure BofA had everything they needed. On multiple occasions when I requested clarification regarding what info they needed, I was told that they had " forgotten '' to send me critical information which would have been crucial to support my case. 

Unbeknownst to me, time limit for a resolution on this dispute passed in XXXX, yet I was never informed by BofA of any kind of timeline until XXXX of XXXX during one of my many follow-up phone 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 2018-06-09
Company: Experian Information Solutions Inc.
State: NV
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 received a copy of my credit report and I notice I have an account that's too old and I want that account to be remove from my credit report. Please remove XXXX XX/XX/2006 ( 12 years ) from 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 2020-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
Due to Covid 19, a payment was posted to the wrong Bank of America account of mine, both under a Balance Liquidation Program. The collections manager made a deal with me that if I paid the account current that she guaranteed removal of the 30-day late  credit reporting. I complied. 

I then received a letter refusing to remove the reporting as I am under a balance liquidation program. 

The manager made an agreement with me to remove the 30 day late reporting in exchange for the payment. The Bank of America is obligated to keep the agreement and remove the 30 day late reporting.

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