BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
My wife and I have been a Bank of America customer for over 14 years with a " XXXXeferred Customer '' status and hundreds of thousands of dollars in annual transaction. We take financial responsibility very seriously and have never been behind or defaulted on payments. Our credit scores were immaculate and in the 800 's until ruined by Bank of America for the following reasons : In XXXX of XXXX, our bank accounts were hacked into by unidentified individuals. This was immediately reported to Bank of America after which all our checking and saving accounts and credit cards were shut down. We later opened new accounts with the bank and transferred our accounts and credit cards over. Unfortunately, Bank of America failed to transfer one of our credit cards to the new account which resulted in our inability to access our statements or balances. In XXXX of XXXX when we applied for a mortgage, we realized that Bank of America had reported this credit card balance to the credit reporting agencies as " delinquent '' which prevented us from obtaining a mortgage without prior notification. 

We immediately paid our credit card balance once we found out about this issue via email and asked Bank of America multiple times to either give us access to our credit card information or send us statements. Bank of America stated that they " would not normally transfer credit cards over to a new account '' but they agreed to send us paper statements. This is clearly false as they had transferred other credit cards to our new account. They have also sent us notification letters in the past regarding our credit cards but failed to send us a proper and timely notification about this credit card. They later closed down our credit card inexplicably and again without an advanced notification. 

We have reached out to Bank of America multiple times to seek an explanation and a resolution. Regretfully, our efforts have been unsuccessful as of yet. 

We kindly request that you investigate this complaint as the Bank 's actions appear to be in violation of 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 explanation
Consumer complaint received 2021-09-03
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: Personal information incorrect

Complaint:
I have had some occurrences of identity theft that has occurred on my credit report. On XX/XX/2021 I wrote a letter advising the credit bureau that there is inaccurate information reporting on my credit report as a result of theft of my information. It has been well over 30 days and this inaccurate information continues to report. 

Attached to this complaint is a copy of the original letter submitted and my identity theft affidavit for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Exeter Finance Corp.
State: KS
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:
I looked up my credit and I have lots of auto loan places that checked my credit without my permission I never once talked to them or even seen them in person to give them permission for anything. The only place that I have a loan with is XXXX XXXX and that should and would be the only place I would have on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XXXX XXXX, A submission to PSLF was submitted to XXXX and was approved. In XXXX XXXX, XXXX XXXX took over but did not address what forms of payments qualified. XXXX XXXX payments made but stated are n't towards any plans. XXXX XXXX still no action from XXXX regarding transfer of loans. Finally got hold of an agent in late XXXX XXXX and was told to resubmit all documents to be placed in a plan. I feel cheated and neglected to be advised from XXXX XXXX until XXXX XXXX XXXX 3 Months credit ) of payments not counting towards anything. I spoke to agent about credits, and was told sorry, no credits. 

To make matters worse, once qualified, no indication of any payments are towards any month crediting towards the 120 payments in any month 's statements. The only notice received at year end was to resubmit annually an employment verification form to be reviewed. This posses a delay for those who pay on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX   XXXX {$4600.00} XXXX XXXX XXXX {$270.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I closed this credit card account by telephone inXX/XX/XXXX. Since then, American Express has insisted on piling on fees and interest. This closed account should have XXXX balance. 

On XX/XX/XXXX I called AmEx to ask how my closed account has a growing balance. The representative told me fees had accrued because I had not paid the full {$200.00} balance on my bill with closing date XX/XX/XXXX. He said I only paid {$160.00} on XX/XX/XXXX, so {$40.00} carried over. That made no sense to me, and he was unable to tell me what my purchases had been, that led to the amount carried over. 

After hanging up without any resolution, I went back through all my statements and payments. I discovered that AmEx failed to properly apply reward points that I had redeemed as a statement credit in XXXX. Specifically, my XX/XX/ statement stated my balance due was {$83.00}. The top of that statement prominently displayed a rewards balance of {$15.00}. 

Before paying that balance due, I redeemed the {$15.00} reward balance as an account credit. Then I paid the remaining balance of {$67.00} by the due date of XX/XX/. Because {$67.00} + {$15.00} = {$83.00} account balance, I had brought my balance to XXXX by XX/XX/. 

AmEx seems to have ignored my rewards redemption. The XXXX statement only credited my account with the {$67.00} payment, and not the {$15.00} rewards redemption. The statement reflected {$93.00} in legitimate purchase charges. It also added a {$95.00} membership fee for XXXX. Given the lack of accounting for my reward redemption and the steep membership fee compared with my low spending habits, I decided this card was no longer a cost-effective product for me. Consequently I called American Express in XX/XX/XXXX to close the account. The representative agreed to close the account and reverse the fees. In closing the account, I forfeited my remaining reward dollars. AmEx thus benefited by my account closure, since it will not have to pay out those reward dollars. 

Although I have paid all legitimate charges, American Express nevertheless has continued to ignore my XXXX rewards redemption and impose fees and interest on the account, apparently to punish me for closing the account. To add insult to injury, AmEx has reported my account delinquent to the credit bureaus, thereby reducing my credit score and harming my ability to obtain credit on favorable terms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
Capital One froze my card and told me to send in some documents to have my card unlocked. 

I did so and they still havent unlocked my card. I advised them that I live in Florida and we just experienced a hurricane and I really need my card unlocked. 

They still have my account locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: Pendrick Capital Partners Holding, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was covered for my medical bill did not know the hospitol and doctors billed differntly and got send to collections when i speacked to collections they were not trying to help or understand my situaction very rude and did not help me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 because I have inaccurate personal information reporting to my credit report as well as unknown accounts and inquiries that report. I reached out to the credit bureau 's back on XXXX in regards to some fraudulent inquiries reporting on my credit report I took the time to file an identity theft affidavit with the FTC to reflect that this is a serious matter and as of today these fraudulent inquiries continues to report on 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 2021-02-12
Company: Mercedes Benz Financial Services
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and MB Financial Service. The Account Opened is XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}. The Account Opened is MB Financial Service Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: Ameritech Financial
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2016 I signed an agreement with Ameritech Financial to assist me with the repayment of my student loans. I paid {$190.00} a month for a year and {$99.00} a month thereafter. Last year, I'm unsure of the exact month, I received a letter for XXXX XXXX that I was about to default on my student loans. Prior to my contacting Ameritech, I received a letter from the FTC that they were suing Ameritech for : making false promises that people could permanently reduce their monthly payments charging illegal upfront fees telling people their fees would go toward their student loan balances, which wasnt true quoted directly from the letter.

Company response to consumer: Untimely response
Consumer complaint received 2017-12-08
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: Information belongs to someone else

Complaint:
I looked at my credit report and there is a mixed file. They merged my credit report with my dad credit report. I wanted to separate it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
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 trying to trade my vehicle for a XXXX, since I have an old car and it is soon going to break down. I was at the dealership and they denied giving me an auto loan. I asked them why and I didn't get a explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site pulled a copy and now I am even more upset that someone has been using my name to open up accounts that should of never been open. These accounts are not mine. I need them removed as soon as possible from my name. 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 explanation
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I renewed an account with this company on XX/XX/2021. Within a couple weeks after opening the account, my household had a decrease in income. Which effected my payment history. The company charges a {$26.00} late fee after the 10-day grace. When I would call to make the payments, I would tell the customer service rep at the branch that I was making the regular payment. They would ask if I wanted to pay late fees, and I stated I did not. That I would pay them at the end ( thinking it was like traditional loans and not effect me negatively unless I was over 30 days late on the regular payment amount ). I had decided within the last year or so to focus on rebuilding and re-establishing my credit by checking my reports, cleaning my profile, and paying my bills as on time as much as possible. Doing so, I noticed in XXXX that they were taking my regular payments and applying it to the late charges FIRST, then applying the REMAINING amount to the actual payment. Which allowed it to report me past due every month I didn't pay the late fee. I first contacted the branch explaining my concern and the rep was very rude and hostile over the phone, to the point I ended up hanging up. I contact the XXXX customer service number, and they explained that those were the terms. I paid the loan off as soon as I could and wrote a goodwill letter explaining I was unaware that was how they applied the payments. I received a letter back explaining that I was indeed late majority of the loan ( which was not what I was disputing ), and that they would not be able to remove late payments. They also sent me the terms, the first page of my loan docs and my payment history. In the terms, it states opposite of what I was told over the phone and in the letter. It states that past due payment amount would be paid first, then late charges and fees. I have had an account with this company since I was XXXX, over 10 years. Only because I didn't know much about credit or that it was a predatory lending company, and had other family members that used them. As I look over my report, I see they have always done me this way. Took the late payment first and reported me 30, 60, 90+ days past due until late fees were 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 non-monetary relief
Consumer complaint received 2021-09-03
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 because I have inaccurate personal information reporting to my credit report as well as unknown accounts and inquiries that report. I reached out to the credit bureau 's back on XXXX in regards to some fraudulent inquiries reporting on my credit report I took the time to file an identity theft affidavit with the FTC to reflect that this is a serious matter and as of today these fraudulent inquiries continues to report on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
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 trying to trade my vehicle for a XXXX, since I have an old car and it is soon going to break down. I was at the dealership and they denied giving me an auto loan. I asked them why and I didn't get a explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site pulled a copy and now I am even more upset that someone has been using my name to open up accounts that should of never been open. These accounts are not mine. I need them removed as soon as possible from my name. 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 explanation
Consumer complaint received 2021-07-01
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IN
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 filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I have yet to receive any investigational results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
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 sent a letter regarding inaccurate or unknown items on my credit report. To this day over 35 days later I have not received a response yet. these accounts remain on my credit profile unverified and falsely reporting inaccurate information ultimately tarnishing my reputation. I consider this to be harassment and unjust. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ). it is plainly stated that a failure to investigate these items and supply original creditor information within 30 days gives reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX, I received notification that itinerary XXXX booked via Chase 's XXXX Rewards portal had a schedule change made by the airline of greater than 4 hours. On same date, I called to determine options for cancellation of this itenerary and was advised that I could cancel and request a refund from the airline, which I did and is also the subject of a Department of Transportation complaint case # XXXX. Today, on XX/XX/XXXX, I logged into my Chase Account to determine the status of the refund, and wish to note that the airline has refunded the monies paid via an airline credit, which is not what I agreed to at the time of cancellation ( cancellation was a result of the airline scheudle change ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
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:
USAA suggested I consolidate two credit cards through a non-profit organization, XXXX. An XXXX and VISA. They were approved for consolidation on XX/XX/2019 through XXXX. Three payments have been made by XXXX to USAA on my behalf. USAA charged me two months of high interest and fees before updating the XXXX to the agreed upon 3 % APR. The VISA is still at a high percentage and USAA tells me its in pending. It's almost 4 months now and USAA sends me to different departments when I call without resolving the issue. I'm just a XXXX veteran who's trying to pay off debts without having to go bankrupt. I believe that USAA is prolonging the process to greedily over charge me. It's not a lot of money to a big bank like them but its sure a lot of money to a lower waged veteran like myself. While I budget every dollar to make sure my family can eat school lunch, USAA piles on fees and interest than claims they care about our service members and veterans. Been with USAA for years. With this situation USAA has promised fair services to a XXXX veteran but didn't hold up there end of the bargain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
i have unauthorized inquiries and account that are being reported charge OFF OR LATE AND THEY ARE 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 explanation