BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-19
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:
Today i woke up to an account being on my XXXX report from discover. The card had already been removed from my report back in XXXX after i filed a police report, and waited for it to go away. I pay for the subscription to XXXX  directly so i get alerts at all times. This was just on my report with history that was also not mine and ruined a funding opportunity for my business. XXXX says that as long as discover doesnt accept that my identity was stolen, then the charges stand. How is discover able to dictate it MY identity was stolen. Im so tired of the narrative being changed when it comes to XXXX XXXX  and their credit. So often, others can take illegal advantage of opppetunities. When Im trying to do any and everything correctly, this pops up and they allege they can do nothing to help me. This is crippling my business, and all i can be told is to wait 30 days, after Ive already done so. I need help! This is unfair, and needs to be looked into. I havent had a discover card since 1999

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # : XXXX Closing Date : XX/XX/2014 Liability : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-20
Company: ALLY FINANCIAL INC.
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my auto loan and can not get the title. 
My problem is with ALLY bank/Auto They claim they sent it and I should get it within 7 to 10 days Today is the 10th day and I received my mail and NO TITLE! 

They need to fix the problem and pay for the fix I must do on my end They charge finance daily charges, why ca n't I charge for getting it late? 

I paid the loan off in good faith I want my problem fixed in good faith! 

Bought truck on XX/XX/XXXX {$450000.00} paid off truck 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 explanation
Consumer complaint received 2021-05-01
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Hello, My name is XXXX XXXX. I am contacting you all concerning the Bluebird card by American Express. They suspended/ closed my card due to some member agreement being violated. They done this exact thing to be about 8 months ago with a sub account I had on my account saying the member agreement was violated. They have still yet to give me the money out of the account. Well I let that go because it was just {$20.00}. Now today XXXX they suspended my main account for the exact same reason and saying they can't do anything about it. Unlike the other account this one has over {$500.00} in it plus my spouse and my checks go to it weekly. We literally have no way to pay our bills now because they done this. I seen where many different people said they done the exact same thing to them. I just want my money and they can leave it closed I do not care. But that's alot of money they are taking for no reason. PLEASE XXXX I AM BEGGING YOU TO HELP ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the following listed account below and it should not be on my credit report. This has been dismissed years ago Chapter XXXX  Bankruptcy Case Number : XXXX Please remove it 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 2021-10-08
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I just received a call today XX/XX/XXXX from Midland Funding regarding a debt owed for an XXXX XXXX XXXX XXXX opened in XX/XX/XXXX ( when I lived in XXXX  ) . I have NEVER had an XXXX account until this year via XXXX XXXX, which is currently valid and in good standing. This debt has never once shown on my credit report to where I would have been alerted to this fraudulent card. The address they had for me then is for an address I lived at briefly in XXXX  ( XX/XX/XXXX-XX/XX/XXXX ) with an ex boyfriend. Midland said statements ( 4 ) were sent to that address in XXXX. Again, if i had seen a statement it would have alerted me to the fraud and I would have reported it sooner. Again my current XXXX credit card is the 1st XXXX credit card I have ever had.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
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: Account status incorrect

Complaint:
I have a credit card from XXXX XXXX XXXX, and I have always made my payments on time. I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX  and XXXX  reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.

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 2021-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the following listed account below and it should not be on my credit report. This has been dismissed years ago Chapter XXXX Bankruptcy Case Number : XXXX Please remove it 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 2020-11-21
Company: Medical Data Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX sold my medical bill to two collection agencies. The agencies are XXXX XXXX XXXX XXXX, and Medical Data Systems. 
I resolved with XXXX XXXX paid on XX/XX/2020. XXXX reported on my credit report as negative status. As soon as i resolved with them, they took it out of my credit report. And now i have the other Medical Data Systems on the credit report. i filed a dispute and sent the Letter from XXXX to the dispute of XXXX  and XXXX, and XXXX, and it did nothing to remove the Medical data reporting. This is not fair for both to collect. i resolved and it should be final and the Medical data should remove it from all 3 agencies.

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 2021-05-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Fifth Third Bank has continued to mess up my payments since XX/XX/2021. My payment record has been immaculate until XXXX when I switched accounts to pay for the loan. I have called Fifth Third Bank numerous times to resolve the issue, to pay over the phone, and to remove the " defaulted '' payments from my record since it was their system causing issues. This has yet to resolved and has caused my credit to plummet. In XXXX, they LOST my payment and have not been able to recover it, despite the money being taken out of my bank account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I missed a real estate tax payment in early XXXX. Bank of America ( hereinafter BOA ) paid the real estate taxes and sent me a letter saying they wanted to establish an escrow account for future mortgage payments. When they failed to make the next real estate tax payment by the due date, I paid the taxes on XX/XX/XXXX to prevent them from coming delinquent. Shortly thereafter BOA wrote to me claiming that I owed them the amount of the tax payment. I wrote to BOA on XX/XX/XXXX to explain what happened and to ask them to correct their records. Their answer was unsatisfactory so I wrote to them again on XX/XX/XXXX and sent them a check for the amount I owed them ( {$10000.00} ) After several e-mails nothing was resolved. I continued to make my mortgage payments ( XXXX ) along with the amount of escrow for real estate taxes that I had calculated. I received several phone calls from BOA attempting to collect the amounts that I did not owe them. I referred the caller to the correspondence I had with BOA, to no avail. 
Finally on XX/XX/XXXX, I personally went to the closest BOA branch and met with a Ms. XXXX XXXX and explained the problem to her. She asked me for copies of the previous correspondence and my cancelled check in payment of the disputed amount, which I provided to her. Sometime shortly after that meeting she called me and said that she had talked to their mortgage people and that everything should be sorted out in a timely manner. She also stated, which I now know to be false, that none of this dispute had been reported to any credit reporting authority. 
Since then I have received multiple phone calls from BOA and each time I have referred the caller to MsXXXX XXXX so they could find out what happened. I even provided the caller with her phone number. Finally on or about XX/XX/XXXX I received yet another phone call from a BOA employee that called herself XXXX, and I yet again referred the caller to Ms. XXXX for clarification. 
In the interim I purchased a new vehicle and I was surprised to learn that the interest rate on my auto loan was much higher than I anticipated. When I checked my credit report I discovered that, contrary to MsXXXX XXXX statements, BOA had been reporting every payment since the original correspondence as a overdue to all of the major credit reporting corporations. 
I have recently received two letters from BOA. One telling me that the amount of the escrow payments now due with each payment is exactly the amount the I had calculated and that I have been paying. The other letter informed me that BOA was selling my mortgage and that a new payment processing company would be getting in contact with 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 2017-08-01
Company: WELLS FARGO & COMPANY
State: CO
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:
I 'm a cosigner on a Wells Fargo Student Loan, paying {$500.00} every two weeks against a $ XXXX/mo payment since XXXX 2012. All was well until XX/XX/XXXX when - for no obvious reason - the payments have started to fall behind the date due. All communications with Wells Fargo directly through their preferred Message Center point of contact has been unsatisfactory ( to say the least ) and there is zero information available on the web page that tells me what loan is being paid on when. All I have from Wells Fargo ( aside from the obvious definitions of loan terms ) is " If you have more than one loan combined into a single account, payments will be distributed among the loans as described above whether there is a separate billing statement for each loan or if multiple loans appear on one billing statement. Unless you request otherwise, Wells Fargo will distribute your payment in a manner that seeks to reduce the amount paid over the life of the loan and help protect your credit history. '' I have no billing statement, and I 'm being stalked by WF daily - 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 2018-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I called Bank of America for a new car loan. I am a Preferred customer with many accounts with Bank of America. After reading on the website about the process, instead of applying online I called to talk to a loan specialist directly. The website was having issues so it would not pull up area dealerships that are " franchise partners '' with Bank of America for auto loans. The very first question I had was if the particular dealership I wanted to purchase a car from was included on the list. I was asked what type of car I would be buying. I gave this information to the agent and was told that they would be an authorized dealer. From there it was a heavy push for me to apply on the phone for the loan. I consented to doing this as well as asking several questions along the way. Prior to running my credit for approval I asked several more questions. I further asked if it was as simple as taking the access code for the loan, giving it to the dealer and they would know what to do and I was reassured that this would be the case. Once I was given this information I consented to my credit being run. I was approved and quickly passed on to another individual to go over other terms. This individual asked me for the dealership information, which I gave her. She then gave me different information than the first individual stating that this dealership is not one of their " franchise partners '' so I would not receive an access code, but rather I would have to get a purchase order for the car, send it to Bank of America and then several days later they would send me a check to take to the dealer to purchase the car. I then stated that the whole reason I called to begin with was to ensure that this dealer was one of their " franchise dealers '' and was told by the first person I talked to that it was. The second individual apologized and said that they should have given me the correct information. At this point my credit has already been run under me getting false information. 

My plan was to purchase this vehicle in the next day or so. I asked the individual how this was supposed to happen and she simply stated that maybe the dealer would allow me possession of the car and I could take the money to them once I have the check. I doubt that a car dealer will let me drive a new car off of the lot without any payment for the car. In addition, the whole process was set up such that I was initially put into contact with an individual that was only trained to answer broad questions and push individuals into applying for a loan. This was a very misleading process that resulted in my credit being run on false information that I was given prior to me consenting for my credit to be run.

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 2021-01-21
Company: EQUIFAX, INC.
State: GA
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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: Experian Information Solutions Inc.
State: GA
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:
Hello I am making this complaint because I am livid! today i reviewed my credit report to find fraudulent items. There are several student loans that have been open without my knowledge and several credit cards that were opened without my knowledge. These accounts are fraudulent and I demand they be removed from my report. These accounts have hurt my credit-likeness. I am currently working with authorities to get to the bottom of this matter. I have filed a complaint with the FTC please see attached

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 2022-08-08
Company: EQUIFAX, INC.
State: NV
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 a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # : XXXX Closing Date : XX/XX/2014 Liability : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: EQUIFAX, INC.
State: GA
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 dispute to Equifax in regards to the XXXX XXXX account asking for them to validate the correct information in which they have failed to do so numerous of times. They are reporting numerous of late payments on my account in which is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Since XXXX began, I have tried approximately 10 times to get a copy of my TransUnion credit report using the XXXX website. 

During this time and despite multiple attempts, TransUnion has NEVER made my credit report available online when I tried to order it through the XXXX website. Each time, Transunion dispayed a message saying " your request can not be completed at this time. '' I have never had any problems ordering an XXXX or XXXX report during this time. 

It appears TransUnion has decided it is just not going to comply with the requirement to provide free, weekly copies of credit reports. 

When I tried to order a copy through the mail -- which is a highly insecure process ripe for identity theft -- I was able to get a copy of the TransUnion report. This says to me that there are no " blocks '' or other problems with my file. 

Unfortunately, the data was about six weeks old by the time I received my mailed copy of the report. Six weeks is an eternity in credit reporting. 

TransUnion has just decided it is not going to comply with a government mandate to provide online reports.

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