BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-26
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
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 am a joint owner in this lian with my niece. Payments were behind with Credit Acceptance XXXX XXXX XXXX Mi XXXX. The account charged off in 2018 we were sued and payment arrangements were made with the attorney. It looks like the charge off was reversed and it is appearing as an open delinquent account on my credit bureau. I never received a notice that this was going to be done. I thought once an account was charged off that it remained as such unless an error was made by the creditor.

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 2018-06-07
Company: EQUIFAX, INC.
State: OH
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:
sent several letters certified to credit bureaus and creditors regarding inquiries on credit report, asking for verification and proof that they were requested by myself. None has been given but credit reporting agencies keep stating that they are verified. 

Including the most recent letters below, I have copies of letters and certified cards where they signed for the letters, also sent to creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Good Afternoon Capital ONE Representative, How are you and hope you're safe and sound during this global pandemic here. I was actually shocked today when I signed up for a credit monitoring site and noticed that there were some late payments on my credit report. What actually hurt me more, is that I have an exceptional payment history with Capital ONE since XX/XX/XXXX with no late payment and then i saw a late payment marked on XX/XX/XXXX for 30 days late. If you check my overall creditworthiness, you will see that I pay all my bills on time with absolute NO late payments. I really love the relationship I had so far with you guys, and I'm certain that this was a mistake. I work in XXXX  Industry ( XXXX  XXXX XXXX ), and even though I haven't worked since late XX/XX/XXXX i still pay my bill and fulfill my credit obligations. Honestly, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. Sorry for my grammatical errors as English is not my strongest language. I speak XXXX XXXX and XXXX. But Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: I.C. System, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly 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 2018-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I purchased a gold certificate in XX/XX/XXXX from a financial services company called XXXX XXXX XXXX. I purchased 4 ounces and received a certificate from XXXX ( attached ). XXXX ( Agent ) was a subsidiary of XXXX which became XXXX XXXXXXXX in XXXX, and XXXX XXXX in XXXX. The Supplier was the XXXX XXXX XXXXXXXX XXXX XXXX XXXX, which became part of XXXX XXXXXXXX XXXX in XXXX, and Bank of America in XXXX. I'm trying to cash in my certificate, and I've had no luck going through my contact at XXXX XXXX, which is the current financial services arm of the Bank of America. They claim to be unable to trace the purchase records. 

I can't understand why these records can not be traced since I've retained all the original information on the purchase along with the original certificate and precious metals voucher. As the financial institution that " inherited '' the original supplier, I believe that the Bank of America should be able to honor the sale of my certificate for 4 ounces of gold. 

I appreciate any help you can give me.

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 2019-01-08
Company: Bread Financial Holdings, Inc.
State: AZ
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 have a loan with XXXX/XXXX. 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 and XXXX with no successful resolution. 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/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: EQUIFAX, INC.
State: LA
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:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX, XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I along with ALL of my relatives received a call stating a process server is attempting to get in contact with me on behalf of a collections company that cant send documents to me. When I call the number they provided its an answering service that routes your call to the company based on the case number, which my case number is apparently directed to XXXX XXXXXXXX XXXX  XXXX. When transferred to the 'law firm ' my last 4 of my social, full name and DOB are read out, and I am told there is a debt of over {$5000.00} from an old Bank of America account. This 'debt ' claim was the same I dealt with about 2 years ago and filed a complaint about, with a different collections company, XXXX . XXXXXXXX XXXX   said they closed the debt as non-collectable and I would not be contacted again, yet apparently the claim was sold to another firm. XXXX XXXX said they will contact Bank of America but I was told by XXXX that once a claim is sold Bank of America doesn't have records of any further information.

These collectors called ALL of my family and even friends without my consent about a 'debt ' I was previously told has been closed as non-collectable.

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 2018-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request ( notice their internal file number XXXX ). TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. 

ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX  XXXX XXXX XXXX not mine XXXX  XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX  XXXX XXXX XXXX not mine XXXX XXXX  XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine INQUIRIES XXXX   XXXX XXXXXX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX/XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX {$63.00} not mine XXXX  XXXX XXXX XXXX  {$150.00} not mine XXXX XXXX   XXXX ****XXXX {$170.00} not mine XXXX XXXX XXXX XXXX ****XXXX {$200.00} not mine 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 2019-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
On XX/XX/2018 I went to XXXX Florida for 3 days. I had a room at the XXXX XXXX. Once I got into the XXXX XXXX I wasnt able to use my bank of america card so I paid for the room using cash. A couple of hours later I was able to use my card and they put it in their system for any miscellanious rooms charges and insurance. I left XXXX on XX/XX/2018. A couple of days later I noticed that the XXXX XXXX charged me {$700.00} for the room, even though I paid cash for the room the day that I checked in. XXXX XXXX and BOA have not been helpful in getting this claim resolved.

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 2021-05-24
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Someone been clearing my bank accounts but the banks havent been any help I even had ppl open themselves accounts with my ss in XXXX XXXX and they wont even close the account. I currently was expecting a XXXX deposit to my cash app for close to XXXX but someone got into my online account changed it to all there info the site wont help me change password or secure my account or give me any of there info all info being told to me is XXXX is the card which who received my funds and its been a run around with these ppl. I dont get who is doing this to me I have two ppl who been doing nothing but steal all my personal belongings and stealing my personal info as well and Im getting so sick of struggling and ppl taking advantage of me Im to nice of a person but I havent even been socia due to all this my guard is constantly up I been car less and money less thanks to who ever fraudulently using my identity I really need help!!!! Please I found out at XXXX I had bad credit please if anyone can please help me its not fair to suffer thanks to someone else. I want to press charges on who ever is doing this to me. They said XX/XX/XXXX the person received XXXX and then two more payments of XXXX. And they alternate all my info to theres some how so Im guessing either my icloud is hacked or someone cyber stalking or someone who knows my info getting all my funds from all my accounts idk what else is all actually happening but Im so upset

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
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: Account status incorrect

Complaint:
I opened a credit card account with XXXX in XX/XX/2021 this account was open for XXXX months with payments successful, however XXXX and XX/XX/2021 I asked the bank to lower my monthly payments in an effort to stay current with my payment agreement. The bank agreed yet on my credit report months later the account reflects XXXX negative past due balances in XXXX, XXXX and XXXX but positive on time payments in XXXX, XXXX and 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 2019-01-08
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
After filing bankruptcy and getting correctly discharged, I was told by my lawyer that I was eligible to have my student loans deferred within a forbearance for up to 5 years. My lawyer stated that this type of forbearance was sent in seeking the full 5 years. This was completed at the start of my Bk on XX/XX/XXXX then on XX/XX/XXXX I received a message that my payment was pretty much due immediately. XX/XX/XXXX. I immediately called regarding this, Luckily I still knew my account information log in and checked my old password because one would think something as serious as this would be more of a notice AND sent within mail correspondence. 

They have my correct number and address but choose to send me an email instead. I am having problems with XXXX XXXX : 1 ) the above is where the deceptive practices began. 
2 ) next after speaking to their customer service rep they simply told me to send in my bankruptcy paper work and they will get back with me. ( Saturday XX/XX/XXXX ) 3 ) I called back on Monday XX/XX/XXXX because the payment was due very soon. At this time the other rep had no idea of the my very sensitive paper work went to and who was reviewing it. Then advised me to also apply for a general 3 month forbearance. No one knows what they are doing! 
4 ) XXXX is attempting to ruin my fresh bankruptcy because which will cause direct harm to my financial lively hood due to their unprofessional, disorganized approach to handling my profile. 
5 ) this loan showed discharged in bankruptcy within my discharge paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX, XXXX, I received a letter from XXXX XXXX XXXX collecting a debt of XXXX XXXX XXXX dollars. After reading this letter, I called their number to find out that I have not made a payment on a Victoria Secret transaction. I was unaware of this charge since I never received a bill in the mail. 
I then called Victoria Secrets customer care line. I talked to XXXX, who told me that I had made this transaction on XX/XX/XXXX of XXXX dollars. I asked him to inform me where this bill was being sent. He said that he was not authorized to tell me that information. However, he did tell me that the address that I provide him was not the same address they had on file. 
After ending the call with XXXX, I called XXXX XXXX XXXX to talk to XXXX XXXX. I asked him how they were able to send me this debt collection to the correct address when Victoria Secrets had been sending the bill to the incorrect address for seven months. 
Victoria Secrets had not been sending the bill to the correct address, they had not tried to reach out to me via phone number that has not changed. If they were to send me a bill to the correct address or tried to reach out to me in any way I would have made the payment in full like I do all of my other bills. 
By sending this complaint to you I am hoping we can resolve this issue in a reasonable matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant

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 2018-10-16
Company: OLD NATIONAL BANCORP
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX of 2013 I had traveled to XXXX for my sisters wedding. I was gone for the entire month of XXXX. Prior to that period I had withdrawn most all my capital in my checking account for financial security for international travel. Upon my arrival back to my house, XX/XX/XXXX, I had received a letter stating that my account had been charged a monthly fee and due to lack of sufficient funds had been overdrafted to an excessive charge of {$240.00}, within one month, for lack of sufficient funds and then overdraft fee 's self imposed by the bank. Within one months time I had been sent to collections without any contact or right to dispute the charges. I went to the bank to dispute the charges but they provided no assistance at all and said it was too late and was out of there hands to do anything. I was charged overdraft fee 's in bad faith and sent to collections within a months time without any right to dispute. They bank 's incentives were aligned with maximizing profit by charging me an excessive amount of fee 's and sending them to collections to force payment without letting me dispute anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Transfinancial Companies, Inc
State: LA
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:
Transfinancial Companies placed collection accounts on my credit reports claiming that I owed the company. I disputed this information and asked for validation of this debt and none was provided to me in any form. The company proceeded to remove it from my XXXX report but left it on the other credit reports. I would like for them to remove this invalid information from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
WAYPOINT is claiming that I owe them {$540.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I noticed some inaccurate and unverified accounts on my credit report, I sent a dispute to Experian and they refuse to do a proper investigation. they keep sending me back notices saying my accounts were verified, I know this is not true because I reached out to the data furnishers and they were unable to provide me with any debt validation. Experian keep using their data matching system e Oscar and is adamant about not doing a proper investigation. The data furnishers stated they had no information on the accounts, so hw in the world did Experian verify these accounts. I reached out to the XXXX  to complain and the XXXX  said Experian did not respond to them. please help my next step is to file a lawsuit.

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 2019-01-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Owner of the loan would not work with me. The servicer they use is Chase Bank. Chase Bank made mistakes and delays causing great hardship. The lack of help forced me to sell my home at a loss for {$90000.00}. Home is worth {$160000.00}.

XXXX XXXX XXXX  as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
My Experian score dropped 25 points due to XXXX reporting my account as closed. Per my Experian credit score, it was reported XX/XX/18. When I checked my score XX/XX/18 is when I noticed it had dropped. My loan in currently deferred, so it should not show as closed, as that is inaccurate reporting.When I check XXXX XXXX, which using a different scoring module, it shows open, as it should. I have called XXXX and was told they " have nothing to do with that ''

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