BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-02
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
First Investors Servicing will not work with me on payment extension, lowered payments, deferment. I informed them I was fired due to Covid 19 awaiting unemployment claim approval and unable to make my payments. Rep assured me f I called back in XXXX I would either qualify for an extension or 3 months reduced payments when I called XXXX. XXXX arrived when I called they said those programs were discontinued. I had to borrow money from my retired mother to make a payment as they keep calling emailing and harassing

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 2022-12-15
Company: AMERICAN EXPRESS COMPANY
State: MI
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:
XXXX XX/XX/XXXX unannounced, my AMEX was shutdown. Upon calling I was informed due to AMEX policy is because of an extra payment has not cleared. On XXXX XX/XX/XXXX for XXXX ( XXXX ) Required payment cleared, and made an extra payment online XXXX XX/XX/XXXX for XXXX ( XXXX ). in the process it was explained in a earlier complaint to AMEX that I didn't believe AUTO PAY took so I tried again for XXXX and unknown to me the original payment of XXXX cleared. 

Since the XXXX with no notification AMEX shut my card off and even after explaining the issue, rudely on the phone it was explained the XXXX has to run denied three times before they can open my card back. In my conversation with American Express, they have been extremely inflexible even after establishing this was an accident and both, XXXX ( XXXX ) where set-up as a extra payment. 

XXXX, I contacted American Express and now they changed the statues to pause. They want me to pay XXXX to unpause the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Recently check my credit report and seen that the following account XXXX was on my report. I never had an account with XXXX XXXX there fore its a result of fraud. Its hindering me from purchasing a house. Would like this account removed as soon as possible 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 non-monetary relief
Consumer complaint received 2017-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have fraudulent inquiries on my report which I did not authorize. I have tried writing to Transunion in the past and most recently today regarding the inquiries however they will not remove them. I believe this to be in violation of the FCRA. 
All inquiries from which I do not have accounts for the last 16 months are fraudulent.

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 2019-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Loan payed by chapter XXXX my case is finished and closed loan was included!!! my balance is XXXX it appears XXXX I dont recognize!! I call my lawyer they say it should be removed!! Because is paid!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Account is incorrectly being reported to my credit report. There are several discrepancies that are being reported to each bureau : 1 ) Payment status : XXXX  and Transunion reporting 120 days past due and XXXX  showing Account transfered. 
2 ) Blance : XXXX  and Transunion shows {$0.00} and XXXX  is N/A 3 ) Last updated : XXXX  is XX/XX/XXXX and transunion and XXXX  shows XX/XX/XXXX. 

Account is also duplicate on my report where one is reporting the discrepancies mentioned above and the correct account is reporting on time and in good standing with all accurate information. 

Please delete inaccurate account as it is reporting my credit incorrectly and inaccurate.

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 2020-10-23
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2018-09-20
Company: Capital Accounts, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to XXXX XXXX XXXX XXXX XXXX XXXX in late 2017. I paid my co-pay, and was billed an additional amount several months later. I paid this amount. I was sent a bill again the following month, for the same amount. I ignored it, figuring my payment and their bill crossed each other in the mail, and my payment hadn't posted yet. The following month I received another bill. I checked my account and realized they never ran my card, so I sent back the payment stub again, with the same card number. The following month I get another bill, this time {$78.00} higher. They claim they tried to contact me about my original payment not going through ( they didn't ), and that they added a collections fee to my bill .... *AFTER* I paid them, XXXX. Now the original balance of {$110.00} is gone, but I'm getting a {$78.00} invoice from them monthly for the collections fee. In addition, I get TWO DAILY phone calls from their collections agency, harassing me into trying to pay their bogus fee. XXXX XXXX refuses to do anything about it. Capital Accounts is trying to bully me into paying them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2021-10-06
Company: EQUIFAX, INC.
State: TN
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:
Filed a dispute with XXXX, Equifax, and XXXX all on XXXX XXXX, 2021. It is XXXX and I still have not received anything back from them. They are not following their own policies by responding within 30-45 days. Even sent a demand to comply letter! This is ridiculous. Those items disputed need to be removed immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: KEYCORP
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have yet to receive my keybank card in where my unemployment money is currently being sent to. Every time I attempt to call the bank or the unemployment number, nobody answers and they leave me on hold. I have not being able to receive any of my money because nobody answers me or sends me the card. According to my account the money is being deposited to the card every week, but i have not been able to use it. The money has been deposited since XXXX and i still have not receive my debit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AD ASTRA RECOVERY SERVICES at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has been sending me collection notices in the about of {$510.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
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:
HAVING ISSUES WITH THE CREDIT BUREAUS PROCESSING MY DISPUTE

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 2023-03-02
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: Information belongs to someone else

Complaint:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
American profit recovery, attempted to collect a debt that was not mine. I received a credit notification that a change on my account was detected and it showed a new collection account. I was never informed of any attempts to collect this debt prior to placing it on my credit file. They stayed they had sent communications to an Old address that I have not resides at in several years. This needs to be removed permanently from my credit file. It is not my account and I have no contract with the original owner of this debt. I am in the middle of a home loan process and this could have significant negative effects on my approval process and interest rate. This was placed on my credit file in direct conflict with the fair credit reporting act and fair debt collection practices act. This kind of illegal collection activity hurts Americans and places them in financial jeopardy. 

I have no documents to provide because I have not had an account with the original creditor. I spoke with a manager On XX/XX/2020 named XXXX XXXX who states this would be removed from my credit file. I was the consumer finance protection bureau to ensure this is done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Experian Information Solutions Inc.
State: TX
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 am a victim of identity theft. Several years ago my office was broken into and several ID documents were stolen. I filed a police report and have attached it to this complaint. My credit file was accessed without my knowledge or approval online without me being physically present and showing an ID. I did not authorize the credit inquiry on the following dates from the following creditor : XXXX XXXX XX/XX/XXXX XX/XX/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 2020-10-15
Company: CORELOGIC INC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I recently filed a complaint with the Consumer Financial Protection Bureau against CoreLogic we're not placing a security freeze on my CoreLogic credit file for the second better they are telling me CoreLogic is a reseller of the consumer report information provided by three National Consumer reporting agencies but I know they do play security freezes because I had a security freeze with CoreLogic before. Now I'm filing my second complaint against CoreLogic for not placing a security freeze on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Experian Information Solutions Inc.
State: NY
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: Problem getting your free annual credit report

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX Social Security # XXXX DOB : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXX. XX/XX/XXXXXXXX, XXXX, XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX. XX/XX/XXXXXXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XX/XX/XXXX XXXX, XXXX, XX/XX/XXXXXXXX To Whom It May Concern : My personal information that is pertinent to obtaining my free annual credit report is listed accordingly : XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX Social Security # XXXX DOB : XX/XX/XXXX Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next XXXX business days from Experian, XX/XX/XXXXand XXXX XXXX collectively. 

Thank you for your cooperation and consideration in this matter. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX Social Security # XXXX DOB : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXX. XX/XX/XXXX XXXX, XXXX, Texas XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX XXXX. XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XX/XX/XXXX XXXX, XXXX, XX/XX/XXXXXXXX To Whom It May Concern : My personal information that is pertinent to obtaining my free annual credit report is listed accordingly : XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX Social Security # XXXX DOB : XX/XX/XXXX Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from Experian, XX/XX/XXXX and XXXX XXXX collectively. 

Thank you for your cooperation and consideration in this matter. 

Sincerely, 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 2020-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have unauthorized inquiries on my credit report in which XXXX, XXXX, and Transunion have yet to address.

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 2020-05-16
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On Friday XX/XX/2020 at approximately XXXX, I had left my 2 way radio at the bank worth close to {$500.00} to establish a safe deposit box. 

I was told the bank was closing, so just left it there to resolve the issue in the morning. 

I noticed a man outside the bank on his cellular phone wearing a black suit. 

I had reported the man to the bank corporate office for releasing personal information outside the bank. 

I returned to the Bank on Saturday XX/XX/2020 and the female teller indicated that my personal information was released to the Sheriffs Department and my two way radio was given to them. 

I was asked why I had wanted a safe deposit box, and I had indicated because my Grandfather used to Bank at the Bank years ago. I was only aware that this location had a Safe Deposit Box. 

I did not give anyone permission to release my property, nor personal identifiable information to the public. 

I had asked the teller if she could get it back from law enforcement for me, but she refused to help. 

I asked for the managers card. 

The managers card indicates his name is XXXX XXXX with a NMLS : XXXX I am very concerned that this bank may be releasing information about other wearily families like mine to the public. Especially if this Bank is outside the bank talking on a cellular phone and showing property that is supposed to be in a safe deposit box. 

I know a guy named XXXX XXXX who is a XXXX XXXX and he has an account at this bank too. 

It would be good to find out if us wealthy people are getting our accounts compromised by this Bank, because this bank even lets people open accounts, that do drug activities. 

I ask that you please inform this bank on all the laws a financial institution is supposed to follow and get my equipment back to me, instead of compelling me to go to the Sheriffs department myself. 

This is completely incompetence and illegal on the banks behalf. Whoever is responsible for this branch should be terminated for these types of 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 2023-08-10
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023 on XX/XX/2023 i lost my wallet thats its showing hard Inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25
Company: DISCOVER BANK
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:
On my credit reports there is a closed account with huge amount of missed payments. DISCOVER BANK Opened XX/XX/2014 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA DISCOVER BANK has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief