BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
On XX/XX/2018 and XX/XX/2018, I noticed that my Bank of America Credit card account had unauthorized charges from XXXX " XXXX ''. There were total 7 transactions, totaling {$32000.00}. 

This was part of a much larger issue of my account being hacked and charged fraudulently for about {$100000.00}. When I noticed all the transactions, I found out who the merchant was and called them ( I dealt with the merchant prior ). The merchant said he did not put any of the charges on the card. He called his credit card processor-XXXX and almost all of the charges were refunded to my account. 

The 7 charges from XXXX were never refunded and XXXX could not refund them. I immediately called Bank of America and told them these were unauthorized/fraudulent charges. Bank of America, however, did not reverse the charges and never refunded them. They are still on my account. 

I am making this very clear. The charges by XXXX on my account were fraudulent and in no way authorized by me. I have not in any way ever authorized these charges on my account. These were not " disputed transactions '', they were simply erroneous/fraudulent transactions that should be removed from my credit card account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: MIDFIRST BANK
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
When they first offered mortgage assistance on their website in XXXX of this year, there was no explanation as to terms or ramifications just straight delay payments up to 3 months, but then, it suddenly went to 6 months. 

For over a month I had no information on what would happen at the end of the delay period nothing for almost 2 months, then all of a sudden, I am getting a payment assistance application in the mail, along with letters stating I have no payments due until XX/XX/2020 AND then I am notified you put a derogatory comment on MY CREDIT REPORT! 
At first, I thought the missed payments would be added to the end of the loan and I thought, this is a sweet deal I can use my mortgage payments to knock down other debt and make it up on the back end of the loan LIKE SO MANY OTHER COMPANIES offered. 

Then I had a phone conversation with someone who said that isnt how it works well they COULD HAVE led with that in XXXX. made it very clear upfront So then I thought, ok I will just bank my payments and earn a bit of interest, THEN they put a derogatory comment on my credit report AFFECTED BY DISASTER IMPLIES A LOT OF DIFFERENT THINGS AND IT IS AN UNFAIR AND LEADING STATEMENT. 

I received a letter in XXXX indicating my escrow went up and my payment would go from XXXX to XXXX in XXXX. 

I sent my XXXX XXXX and XXXX payments all at once, including the extra money for XXXX and they didn't even apply it correctly! 

Now they say my payments have gone to XXXX - again for escrow. 

XXXX? I don't think they actually know what they are doing

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 2020-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Capital One opened a new account under my name when I was only trying to upgrade the existing account to a QuickSilver account. I have tried several times over 6 months to have them close the account as an error, but they are unwilling. If they just close it, it will ding my credit score. They admit it was an error on their computer system and it should not have been opened, yet they keep telling me they have no way to close it without it dinging me. This is their error and they should have to fix it without it doing damage to my account. 

I have now called them 3 times over 6 months and keep getting pushed up the chain to Supervisors who just keep telling me they can't fix the problem. This is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
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:
This is my Second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not liable for this debt with Capital One Auto Finance. I do not have a contract with Capital One Auto Finance they did not provide me the original as I requested

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: EQUIFAX, INC.
State: MA
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:
There is a new incorrect information in the credit report!!!!! and the remaining XXXX account is still not me!!!!! and there is 8+ hard inquiries doesn't belong to me. See previous dispute confirmation number : XXXX, XXXX for credit dispute. I tried disputing and submitted information online. They removed some incorrect records but there are still other 's account in my records. A couple days ago they still add another one 's hard inquiry to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
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: Account information incorrect

Complaint:
XXXX  inquires XXXX collection XXXX counsumer account XXXX inquires XXXX account Equifax Inquiries and Same accounts I've been XXXX since XXXX Inquiries and accounts are false.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account 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 2020-07-13
Company: EQUIFAX, INC.
State: AR
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: NJ
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 unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: Altisource Portfolio Solutions, S.à r.l.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
They call all day and all night they never answer when I pick up and they never answer when I call.

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 2020-07-13
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello there, Please be so kind to review the documents submitted. We have attempted multiple times between my husband and I to resolve this billing error and pay the rightful amount, but we have been met with hostility and refusal to review actual binding documents. We have included the Final Account Statement provided by National Credit Systems, the Apartment Lease Contract and our bank statement showing the {$1000.00} had been paid. The Apartment Lease Contract stated {$1000.00}, due on or before the date this lease contract is signed is a concrete proof showing that we have paid {$1000.00} deposit due before move-in. We discussed this point with the National Credit SystemsXXXX XXXX XXXX XXXX representatives multiple times, but they refused to take this binding document seriously which is ironic for a law firm. They have hung up on us multiple times and yelled at us Pay your bill when were trying to make a point that theres an accounting error that must be corrected first before we pay. The last document is our bank statement which shows {$1000.00} used to pay for the deposit as outlined by the contract before move-in. {$1000.00} should have been credited to the bill rather than {$500.00} showing on the bill. The difference is the amount we will pay, {$170.00}. We have told them that were willing to pay but it has to be the correct amount and they showed no interest in resolving this so we are hoping that you all will be able help us rectify this situation. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Experian Information Solutions 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 disputed the items that are not mine and there some items that is still remaining that needs to be deleted

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 2020-09-12
Company: Synergetic Communication Inc
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I, received a collection letter from Synergetic Communication , Inc, trying to collect on an alleged debt with current creditor : XXXX XXXX XXXX, XXXX, from an alleged original creditor : XXXX XXXX XXXX XXXX I never had anything to do with XXXX, neither XXXX XXXX XXXX XXXX current collection company. I do not recognize this debt, I have no other reason but to believe that I am a victim of Identity theft, the debt is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: EQUIFAX, 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:
I am a victim of identity theft and my information has been used to open multiple accounts. It has been confirmed by the bureaus that I am a victim of identity theft but they continue to report the fraudulent information. 

I have never had a credit card with XXXX and I never opened an account with XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Experian Information Solutions Inc.
State: AR
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 was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those 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 2021-06-21
Company: Central Mortgage Funding, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We did a refinance and credit cards were added to the payoff without our knowledge. So for 2 weeks we have tried to contact 2 different people that we worked with. Nobody has helped us or returned our calls to fix this. The title company sent 3 checks. For these payoffs, problem being they are/were already payed off and we had no knowledge of them being included on the loan we were never told. Now we have 3 checks sitting in the house that we cant do anything with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX Credit Card ACCT # XXXX SSN XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clarify states that I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2022-04-20
Company: PNC Bank N.A.
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PNC Bank is taking out multiple payments each month instead of one : XX/XX/XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX {$2000.00} XX/XX/XXXX. {$2000.00} XXXX XXXX. {$2000.00} XXXX XXXX. XXXX XXXX XXXX. {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
TSI ( Transworld Systems Inc ) has repeatedly contacted my business number for months looking for someone else. They have the wrong number. We've repeatedly informed them via voice they have the wrong number. We sent them an official cease-and-desist letter on XX/XX/2017. They still continue to call us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
After transfer of the loan, the payment schedule got confusing and my car was repo, I paid on XX/XX/XXXX the fees to get my car back. They said it would be released in 48 hours it is now XX/XX/XXXX and I have not got my car back. When I call Westlake financial they said they have sent the email to XXXX XXXX, when I call XXXX XXXX they say they havent released the paperwork yet. I have asked to speak with a supervisor at Westlake for the past 2 days and getting no where

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 2020-07-22
Company: CITIBANK, N.A.
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:
On XXXX I authorized a charge for {$1100.00} to XXXX XXXX XXXX. When I received my statement i did not recognize the charge. I am a Senior Citizen and forgot the authorization. I notified Citicard Fraud and they cancelled the card and issued a new card. they informed me in the next statement in XX/XX/2019 that the charge was removed from my card because the matter was under investigation.later i remembered that i did in fact make the purchase for my daughter who lives in NY where the charge took place.I notified citibank that i indeed authorized the charge and there was no fraud and it was my mistake and the merchant had been paid by cash. The merchant XXXX XXXX XXXX demanded payment since the charge was denied by Citicard. I sent a check in XXXX for the {$1100.00} fee to my daughter to pay him. He has never received a payment from Citicard for anything to this date. He was paid in cash for the pool work. 
On XX/XX/2019 i received a letter from Citibank that i no longer disputed the charge and they put the charge fo {$1100.00} back on my account on XXXX XXXX merchant never got any money from Citicard and i have called and spoke to Citibank at Least 18 times about the issue. I cant understand the persons i am talking to an dthey are extrmly polite but cant change anything for me or take the {$1100.00} off my account. I want the {$1100.00} removed from the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX Balance : {$22000.00} XXXX  XXXX Balance : {$24000.00} XXXX  XXXX Balance : {$22000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
they put XXXX points of welcome offer advertisement to fulfill the requirement of eligible spending within 4 months. I apply for the card in XXXX and waited until XXXX, I contact customer service who told me I was eligible for the offer and will receive it after XXXX weeks, I contact another customer service today and he told me that I was not eligible for the offer ( which was very different from the previous agent ). I did not apply for this credit card before and did not redeem any other offer before. I kept all the conversation history and screenshots.

Company response to consumer: Closed with explanation