BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-01
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Citi Bank lowers my credit limit then reports to credit agencies that I'm close to maxing out my cards when I haven't used either of the two accounts in months, then the credit agencies lower my credit score because I'm close to credit limit then Citi Bank lowers the limit more because my score went down, this is costing me {$1000.00} 's of dollars

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 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company is reporting an account that was opened under identity theft. I do not have a XXXX phone plan period.

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 2018-03-06
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
An account by the name of Ability Recovery Service opened on XX/XX/2018 was on my credit report in the amount of {$990.00}. This debt has been has been sold I do not owe this agency. I would like this account removed from my credit report indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: Rocket Mortgage, LLC
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:
I wrote a letter asking for proof of my paperwork and still have not received anything yet I do not recognize this inquiry To be mine approximately a year ago I had some fraudulent activity down to my account and I believe this is part of it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 received a pre approval for auto loan and I applied to be pre approved and the score theyre saying I have is an almost 100 point difference than my FICO with all the credit bureaus. My score ranges from XXXX but the denial letter for the application has me at a FICO score of XXXX. The denial letter listed alll of the credit bureaus so Im not certain why these give false information to Capital One when determining me for a car loan. Getting a pre approval is kind of misleading as Capital One invited me. I also hv a credit card with them that Ive paid on a consistent basis. I dont know why my score is so low when they pulled my score and why Im being denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
15 USC, 1681-B A Intends to use information as Trans Union violated my consumer protection rights FCRA When these account are on my credit report and they aren't my accounts XXXX XXXX Date opened XX/XX/XXXX date closed XX/XX/XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX date closed 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 2020-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America There were pending transactions on my account that I knew the merchant was reversing, and that the funds would never be withdrawn from my account. When I made another transaction, Bank of America accessed Overdraft Protection,  even though the actual balance of my account, as given on their website, never approached XXXX. The Overdraft protection resulted in three {$12.00} fees. They did this on the assumption that all processing transactions would ultimately process, which I knew to be false. Is this legal? I argued with them for some time and their response was that processing transactions are considered actual debits until they receive notice that they have been cancelled. 

This happened two months in a row, the night before my paycheck was automatically deposited.

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 2018-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
inaccurate information showing up on my credit report that are not mine or balance

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 2019-03-08
Company: Experian Information Solutions 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 sent an investigation request to Experian and XXXX XXXX on XX/XX/XXXX. They were supposed to respond within 30 days, but have not.

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 2018-03-06
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 received a letter in the mail from this company saying I owed money and called them to confirm. My first call i spoke with a representative who told me this debt was for a house I rented and she spouted off an address where I have never lived. I then asked her for a copy of the leasing agreement so I could verify this debt. The representative became combative and asked me why did I need verification of the debt. I told her its my legal right for the debt to be paid and I wanted documentation. I have just now received documentation but out of a 20 page leasing agreement I only received 5 pages. NONE of which can verify that it was ME who this debt belongs too. There's no copy of my ID - no date of birth information or even my social on any of the incomplete paperwork that was sent. I would either like proper verification of this debt or I would like it removed from my credit report for failure to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
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: Investigation took more than 30 days

Complaint:
inaccurate information showing up on my credit report that are not mine or balance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$690.00} XXXX XXXX   XXXX {$410.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX   XXXX {$10.00} XXXX XXXX XXXX XXXX {$6200.00} XXXX  XXXX {$410.00} XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX  XXXX {$290.00} XXXX XXXX   XXXX {$1900.00} XXXX XXXX XXXX {$170.00} XXXX  XXXX XXXX {$2100.00}

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 explanation
Consumer complaint received 2020-01-28
Company: NRA Group, LLC
State: PA
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:
National recovery continues to furnish information on credit file. According to [ 15 U.S.C. 1681b ] creditor furnish information on credit report which debt is  satisfied. Requesting removal of tradeline.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo did not credit interest earned on a monthly basis and post the subsequent interest earned based upon those cumulative amounts as stated in the financial disclosures for the CD over a nearly 18 month period. Consequently, back interest accumulated is owed, according to the Wells Fargo Bank branch. Wells Fargo refuses to respond by correcting the error. The complaint that was referred to their corporate office originated from the local bank branch manager because they believed that the bank had made a mistake and back interest needs to be calculated and paid.

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 2023-01-22
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I financed my vehicle with credit acceptance. My vehicle was $ XXXX. I have paid over $ XXXX so far on the loan but they told me my pay off quote is still $ XXXX. Their interest rates and late fees are extreme. I want to sue but dont know how. Plus the car they sold me has major issues, I have spent hundreds on getting it fixed.

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 2018-07-04
Company: Halsted Financial Services, LLC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 I received letter about a debt that Halsted Financial Services claimed I owed. On XX/XX/2018 I called them and asked if they could show me proof and validate the debt. They said they could email it. I gave them my email address and they sent me the same letter that they sent via USPS assuming I would believe that's proof. I said that I need something from the original collector which is a hospital in this case. They then cut me off and tried to change the subject asking how I was going to pay. They transferred me multiple times before putting me on hold and hanging up on me after about 20 mins of hold time. I call back and get transferred to a supervisor. I ask them how they can legally collect a debt they have no documentation on and eventually she hangs up on me as well. After these conversations I received 3 back to back calls from numbers in various cities in Florida where I live, 2 within a minute at XXXX and another at XXXX. I have been getting these calls for days and have ignored them because they are unknown numbers. Since I got 3 I decided to call one back inly to find it was XXXX XXXX all along. So not only are they calling me every day sometimes at odd hours, they are also calling back to back to be rude. All I asked for was proof that this debt is real. I have heard many things about these companies trying to collect debts that are not real. All I want is proof. Attached are phone records of the 3 back to back calls and the email they sent which supposedly " is validation of debt '' that has no documentation of original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
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:
My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Had a issue with XXXX got the ag involved XXXX fixed transunion refuses to accept accept the mistake and fix it

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 2021-03-01
Company: Penn Credit Corporation
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My debt was resolved but it is still appearing on my credit report and the debt collector continues to contact me attempting to collect the debt. The debt is still appearing on my credit report because the company is attempting to collect. 

XXXX XXXX XXXX Last reported XX/XX/XXXX {$280.00} Open balance 10 XXXX XXXX XXXX Original creditor SNAPSHOT Opened XX/XX/XXXX ( 1 yrs, 1 mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name 10 XXXX XXXX XXXX -- -- -- -- -- -- -- ITEM IN DISPUTE : PENN CREDIT CORP 10 XXXX XXXX XXXX DISPUTE REASON : Accuracy This account is settled. 

CONTACT INFORMATION PENN CREDIT XXXX XXXX, PA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Good Afternoon, I am traveling overseas and I am having days worth of trouble accessing my account. I have spent time on multiple phone calls costing me money on having payments declined and also blocked access to my account. I am in XXXX and their app and Huntington bank website access is blocked. I just got off the phone with Huntington Bank Customer service trying to gain access and info to my account and the phone rep told me there is nothing they can do and I need to give my bank information and account access to a third party in order to transfer money or pay my bills because they claim the govt is blocking access to my account from the country of XXXX. This is unheard of. I have access to XXXX XXXX XXXX, XXXX XXXX as well as my XXXX card. 
I have my hands tied as far as paying bills, my mortgage and even knowing what has been processed through my account. I gave them notice multiple times that I would be traveling here and I've had to call numerous times to unblock my card and now they are saying there is nothing they can do all of a sudden.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: Experian Information Solutions Inc.
State: LA
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. I have filed a police report and filed a complaint through the ftc. In the year of XXXX I misplaced my purse at XXXX with my dl & social security cards, debit card for me and my children. The following items are appearing on my credit report as a result of me being victimized I am requesting that these be removed immediately as it is destroying my credit reputation. I had no knowledge of these accounts until a year ago ( XXXX ) and tried disputing directly with credit companies. Please help me with this matter.

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 2020-01-28
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never heard of Americollect, have no written contract with them and never received any benefits from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I received a IRS Form 1099C from Bank of America. The form is response for a debt from XX/XX/XXXX. I also saw that they ran a credit inquiry on me XX/XX/XXXX a few days earlier and wondered why, nor was there any information sent to me about it. 
I filed a Chapter XXXX on XX/XX/XXXX due to no ability to pay my bills. Bank of America made the decision to not file a claim ( standard policy? ). The charged off the debt on XX/XX/XXXX. 

The chapter XXXX was dismissed on XX/XX/XXXX due to financial hardship that I was no longer able to pay. 

I have never received any correspondence until the 1099C came this month. I phoned Bank of America on XX/XX/XXXX, due to severe reporting errors on the form. The IRS suggests to call the lender to see if it was sent by mistake or the errors were not known. The answer they give will decide how to proceed. The associate who took the call stated that it was based on my dismissal in XXXX. I told her that was a error. She stated to call back in a week or so. That is not a acceptable resolution. 

If the 1099C is income applied incorrectly to XXXX, my family will be over the limit to receive our health care credit. The taxes on the 1099C that will be due and loss of the health care credit will result in debt that I will never be able to repay to the IRS. 

Bank of America used code G in box 6 for the reason to issue the form. That code is for decision or policy to discontinue collection. That would be the exact reason for the Bank not filing a claim in XXXX with the Chapter XXXX and writing off the debt the same month. They used XX/XX/XXXX as the Date of Identifiable Event ( box 1 ). That date is completely without any basis, beyond random choice or mistake. Based on actual dates the form should be withdrawn as it has no use to either party. Then if issued the IRS would allow me to file a exemption of the tax. This would have had no effect on the Lender if done correctly. 

The second option if not already proven to be misleading would to file it in the year XXXX. The year of the discharge. The fact that the lender is unaware of their own reporting to the credit agencies of factual data is on the report they pulled is unacceptable. Using code G in box 6 stating their reason is intent due to policy would make this option appear invalid. I have read complaints of this invalid reporting becoming another Bank of America issue. 

I request a answer to their intent to repair the form so I can file the correct forms to the IRS, who will use my data included as proof to help me file. They will then take over with Bank of America 's 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