BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: HI
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:
Credit inquiries are the most common ways a bad actor, hacker, impersonator, or other entity uses to gain inappropriate, illegal, unlawful, unauthorized, and credit without resent. There has been a warning on my report to not approve such things. My credit report with Equifax is a complete mess, full of inaccuracies, and they have chosen not to deal with it. This is unacceptable. Any fraudulent, illegal, illicit, unlawful, inappropriate, unauthorized, no consent, no permission from myself, XXXX XXXX XXXX is not considered a valid reason to XXXX credit, credit access, credit inquiries, and other things. These entries should and shall be removed. 

I have been locked out and I am unable to have my account restored, even though I am paying a monthly subscription fee to Equifax. I can not get access. My score reports back as XXXX XXXX and everything is hidden, unavailable, or technical errors pop up. I have talked with Equifax many times, I have verified myself over the phone, they have acknowledge they are in receipt of my unlock requests, yet, I still can not gain access to my account, credit report, score, or any other credit related information. I am 100 % locked out and I can not do anything about it and Equifax refuses to resolve the issue,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Experian Information Solutions Inc.
State: MD
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 a credit inquiry on my credit file that I did not authorized from XXXX XXXX XXXX XXXX dated XX/XX/2017.

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 2020-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, I purchased an airplane ticket from XXXX XXXX XXXX on XX/XX/2020, with my Bank of America card for {$100.00} for a flight from XXXX to XXXX XXXX, XXXX. 

My airplane ticket was canceled by XXXX XXXX XXXX on XX/XX/2020. I contacted the airline on XX/XX/XXXX to request a refund. They offered a travel voucher, which I did not accept and requested a refund to my account. After arguing back and forth, XXXX XXXX offered to return my money ( I have the email as proof ). 

On XX/XX/XXXX, the airline emailed another message, said they would give me a travel voucher after agreeing to refund my card, I responded it was not acceptable and to return my money. They agreed to refund my purchase but did not. I then filed a complaint with the bank because I did not receive the service. 

Bank of America is refusing to credit my account. I believe it's against consumer law because I did not receive the service I paid for and the merchant canceled on me. I have called Bank of America numerous times to address this over the phone, only to wait for 30+ minutes for the automated system to hang-up on me. This keeps happening. 

I was instructed to go to my local branch to address the issue on XX/XX/2020 by a Bank of America customer service rep on the phone. Today I went to branch located at XXXX XXXX XXXX, XXXX, MA XXXX, and spoke with the assistant manager, XXXX XXXX. I showed him the email that stated the airline would refund my money and I believe I am protected by consumer law. He agreed I was protected and they airline said they would refund my purchase since they canceled, but XXXX told me they will not refund the money and to file a complaint with the attorney general office. This is unacceptable, I have been a client for 27 years. 

Please help. 

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 2020-03-05
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:
Negative information is showing on my credit report when the account is not even under my name. The name on the account doesn't match my name. Is not mine

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 2019-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Capital One Sent me a bill for interest after having paid off the balance of my credit card. They do not give an actual payoff balance when you call in. They give you a minimum due, a last statement balance, and a current balance as payment options. Apparently the current balance option is not actually the current balance because they are not including the interest for the previous billing cycle.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-23
Company: TD BANK US HOLDING COMPANY
State: WI
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:
XXXXXXXX XXXX client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for several credit cards. While no accounts were established the applications left fraudulent related inquiries on his credit reports. TD bank received one of these fraudulent applications XX/XX/XXXX and conducted an inquiry into his XXXX credit report. An official dispute of this was sent to TD Bank XX/XX/XXXX however as of this date TD bank has failed to send an update of the status of the investigation ; which is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have received 5 emails from LVNV.. Funding LLC stating I owe {$540.00} to XXXX XXXX XXXX. I email lvnv funding telling them that is not the correct amount that I owe it is less the what they have stated. I have done some research on this company and this company like to add fees on top of whats owed. Lvnv expect me to pay the fees that has been added to the original amount that is owed. And I have contacted them by email and i told them it was illegal. I also told them I'm not working so Im unable to make a payment to them and If I was working the account wouldn't have landed to their office. Unfortunately, I still receive receive emails from them and they would like me to talk to them but I prefer that they contact me through email instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Experian Information Solutions Inc.
State: CA
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:
XX/XX/2020 I discovered on my Experian credit report that a new negative account had surfaced. It was from XXXX XXXX XXXX XXXX for {$390.00} for a leased phone that Ive never owned. I explained that to the customer service rep and asked several question regarding the validity of the account. The representative repeated my social security number which was incorrect by a digit. After I pointed it out they referred me to Experian to dispute the account. After explaining the error on my report Experian assisted me in filing a dispute claim. Today I received my results of the investigation from Experian as Remains.  Im furious and I dont understand how a fraudulent account in my name with an obvious incorrect social security number can stick???? I feel helpless as theres no way to dispute a dispute. My only option is to make a complaint??? This account destroyed my already fragile credit score and its not even mine! Thanks a lot Experian for nothing & salute to  the crooks at 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 explanation
Consumer complaint received 2020-05-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am trying very hard since my divorce and some major medical issues to get my credit cleared up. For some reason Equifax doesnt seem to work like the other credit companies. This week 2 companies agreed to removed 2 old debts from my report. Instead of points going up they went down. The other companies they went up. Please tell me why that one would go down 16 points.

I am trying to move on with my life and buy a home. 2 steps forward 5 steps back. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: CITIBANK, N.A.
State: CA
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:
XX/XX/XXXX Purchase was made. Product was never shipped or received. Order was canceled in XX/XX/XXXX. Have email to support. 

XX/XX/XXXX that product is being charged against my checking acct again. 

Unable to reach any representatives that know how to fix the problem. also they do not know how to set up a fraud complaint. 
I have {$1100.00} being taken from my checking acct without authorization.

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 2021-05-27
Company: SYNCHRONY FINANCIAL
State: CO
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:
I have been on XXXX XXXX XXXX orders since XX/XX/XXXX which will extend to XX/XX/XXXX. 

I was trying to notify Amazon Synchrony ( account ending in XXXX ) that I was on orders and requesting SCRA benefits. I don't think the person I was speaking with spoke much XXXX, or at the very least didn't understand what I was saying. 

So instead of them putting me on SCRA benefits I was just notified that they put me on a " payment plan '' which I DID NOT request. And their company closes your account as soon as you are on a payment plan.

If you check my entire credit file you will see that ALL of my other accounts are on SCRA benefits. I have not closed any of them and have no intentions of closing them. 

I've been on the phone with their customer service and they have been so rude to even hang up on me. So I've received no assistance from them whatsoever. 

Please let me know how to resolve this issue as I know have a " closed account '' on my credit file and I did not close the account. 

Thanks in advance!

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 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm a Victim of Identity Theft. I want a put a fraud Alert On My Credit files ASAP I did not give anyone permission to open any Accounts using my Personal Information these Accounts was open without my Authorization I want them Removed and Block From My Credit Files.

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 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 decline 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.

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 2018-02-07
Company: Experian Information Solutions Inc.
State: MD
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 several unauthorized credit inquiries from XXXX XXXX from the following dates : XX/XX/2017, XX/XX/2017, XX/XX/2017 and XX/XX/2017. I did not authorize inquiries on any of those dates.

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 2020-05-29
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: Old information reappears or never goes away

Complaint:
In my bk chapter XXXX all old accounts were included in my bankruptcy and my credit report is still showing XXXX accounts in the negative which are hurting my score one which was paid in full XXXX XXXX courts and the other included in the bk XXXX in which Is a collection agency XXXX XXXX XXXX it is hurting my score significantly and does not allow it to go up although I have an exceptional payment history I have disputed these accounts but they still hold my score and I am trying to purchase a house

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 2023-06-24
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company has charged me several charges for my home insurance. They kept saying I already had insurance available then afterwards tells me they didnt pay my insurance and I didnt have any home insurance. Then they kept messing up my escrow account going from positive to negative and Im unable to pay my home insurance and they continue to charge me and will not provide a refund or contact me. Ive contacted them several times already and was told they will fix it. Ive sent requests to be contacted and no response.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX Credit Bureaus on XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Abrahamsen Ratchford, P.C
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: Account information incorrect

Complaint:
On XX/XX/XXXX, I settled an old debt for less than the full amount. I was told, in writing, that the account would be settled for that amount. Today, I received a notice that there was a change on my credit report. Instead of it saying the account had settled in full ( for less than the entire amount ), they simply lowered the balance. I have called the office multiple times over the past few days and have a hard time reaching anyone. I have been calling because I have a court date with them scheduled for this Tuesday ( XX/XX/XXXX ), and it doesn't appear they have informed the court we have settled. When I finally reached someone earlier this week, they told me they were sending a letter to the court that afternoon. However, I spoke with the court this morning, and they informed me that the date has not been cancelled yet. I feel like the company has been very disingenuous during this entire process when I am simply trying to move past a difficult period in my life. 

I am attaching a copy of the settlement letter, a copy of my proof of payment of the agreed upon settlement amount, and a copy of the screenshot showing the updated credit reporting information as of this morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with CAPITALONE. 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, XXXX and CAPITALONE with no successful resolution. XXXX, XXXX and XXXX were 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, XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Bank is attempting to force me into an overdraft situation by charging me fees but not allowing me to deposit or withdraw to account. 

Bank is violating Truth in Savings Act by not allowing access to statements. 

Bank took over {$200.00} in fees and provided no services.

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 2020-05-30
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: Account information incorrect

Complaint:
I pulled a copy of my credit report and notice information from XXXX XXXX XXXX on my credit report that should not be there. I reached out to the credit bureaus to do an investigation XX/XX/2019 ( please see attach letter entitled bureau investigation ' ) and the bureaus respondedXXXX stating that XXXX XXXX XXXX verified the information as reporting correctly. ( please see attach response from the bureaus entitled 'bureaus initial response ' ) I then reached out to XXXX XXXX XXXX XXXX XX/XX/2019 after I received that letter from the credit bureaus. ( please see attach letter entitled '1st letter sent ' ). To date we still have not receive a response from XXXX XXXX XXXX and we know they receive the correspondence sent ( please see attach signed green return receipt ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
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 purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I got an un-authorized charge in the amount of {$620.00} from XXXX XXXX XXXX on my Costco Anywhere Visa Card by Citi on XX/XX/XXXX. I contacted Citi Card on XX/XX/XXXX and also filed the dispute online regarding the un-authorized charge. When I checked my Citi Card online statement and didnt see the charge removed. I called Citi again on XX/XX/XXXX. The rep on the phone told me that he was not sure but noted it again to have the charge investigated and removed. 

The charge was never removed so I called Citi again on XX/XX/XXXX and again was told it would be taken care off. Today XX/XX/XXXX, I got a letter from Citi that they tried to reach out to me but did not receive information needed and I will have to pay the amount. Otherwise they will report my account to consumer reporting agencies. I have a loyal customer with Citi for many years, since XXXX. I dont feel this is how they should treat any of their customers. 

Thank you in advance for your help.

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 2023-08-15
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
US.Auto went out of busses and cut my car off when my bill was payed and they just cut it off without cutting it back on

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