BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-29
Company: Experian Information Solutions Inc.
State: CT
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 contacted XXXX XXXX regarding the inquiries listed on my credit report that were not authorized and done by myself on XXXX/XXXX/2017 and they explained that I needed to contact them in writing to dispute them. On XXXX/XXXX/2017 I did contact them via mail and rquested that all inquiries be removed at once because they were not authorized to pull my credit and I have n't applied for any cards with this bank. XXXX XXXX never responded to my initial written request so again I called the Experian XXXX/XXXX/2017 and again on XXXX/XXXX/2017 to explain the situation once again looking for some type of resolution and was told to call the creditor that there was nothing that can be done without written letter stating they ( XXXX XXXX ) wanted the inquiries removed. I decided that I would again send out letters as well as contact the CFPB to notify you of this situation as well as send out a second letter to the creditor as well as a letter to the bureau for each unauthorized inquiry from XXXX XXXX  although I was told that nothing would be done without written permission to be removed from the creditor. I find it very upsetting to have my credit score impacted by inquiries I myself have n't done and to have the bureau and XXXX XXXX just " bounce '' me back and forth between the two of them I ca n't seem to get to a point of resolution please help me resolve this matter because I have exhausted all attempts thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-15
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
XXXX XX/XX/2022 I received a bill via email for a amount due of XXXX nothing stated the payment was past due or.no other email was sent saying my account was past due I saw it from XXXX my payment was last do to covid declared lack of hours I never had a miss payment for them. I called the company but was informed that they can not do anything unless if it was an error on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Southwestern Investors Group, LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX, I paid my XXXX credit card debt in full and the credit card was canceled. I did not receive a letter for them trying to collect any debt for me. In XXXX, a debt collection reached out to me saying that I owed them money through my XXXX account. I no longer have the card, and they did not provide me account information. XXXX XXXX  was the bank I paid my XXXX payment to, but XXXX  no longer uses them as their bank server. When I reached out to them, they said that the account no longer exists. I asked what I should do to have this proven, and they said reach out to the bank in which you made the payment through. At the time, I banked with XXXX XXXX XXXXXXXX, but I longer have an account with them. I reached out to XXXX XXXX XXXXXXXX, and they said they no longer had my account statements saved. I logged onto XXXX XXXX XXXXo check my credit score, and I see I have a derogatory mark on my credit. I went through CFBP to get this resolved and the company stated that they no longer have information on this, and it is now another companies problem. I need help with working this out so that I am not over paying, and so that this mark is taken off of my credit score.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 had sent a ftc report dealing with fraudulent accounts on XX/XX/XXXX ( XXXX XXXX XXXX XXXXXXXX ) and ( XXXX XXXX ) and one of the XXXX XXXX was deleted but not the other and they have the same account numbers just removed on XX/XX/XXXX. both XXXX XXXX and XXXX XXXX are reporting as delinquent accounts, those being fraudulent accounts that cant be possible damaging my report by reporting false info. According to fcra a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft.

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 2018-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Capital One closed my account ending in XXXX recently, there is currently a balance of XXXX. There are also two debit card refunds in the amounts of XXXX from XXXX, XXXX from XXXX ( XXXX ) which are due to post to the account within a few days. These are for returned items. Since the account is closed, I will need a check for these amounts sent ASAP. I 've attempted to reach customer service reps, however, hold times are extremely long and once I reach a rep, the call is then sent to their intake dept in which case a voicemail is left and not returned for several days. Needless to say, I am not able to resolve this issue directly as customer service no longer has access to account and intake dept takes several days to reach back

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX and again on the XXXX 2018 I called TransUnion Credit Reporting Agency to get XXXX inquiries off of my report that should not be there. They said I needed to talk to the fraud department who then also gave me the run around and said I should be talking to the people I first spoke with who transferred me to them in fraud department. This went on for 2 days. They said they did not know how they could help me. This action has cost me XXXX in business working capital that our business needs to operate.

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 2020-12-17
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2019-01-17
Company: COMMERCE BANK
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
We applied for a Commerce Bank loan ( serviced by XXXX XXXX ). They prominently advertise that after 12 months of good payments the co-signer would be released. We called and they confirmed this was correct. When I received the papers, there was no mention of the 12 month co-signer removal. I then called to question it and was read a list of conditions and told it had to be applied for. These conditions gave the bank an out in any circumstance. 

I cancelled the loan application and am writing to report that there was a definite attempt to deceive me into signing and then never being removed. Im ok with the terms, but the ran my credit, we even called and they confirmed and tried to take advantage of us. 

The application number was XXXX Thank you. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We stopped making payments due to COVID in XXXX of XXXX. We started to make payments again in XXXX of XXXX. We have repeatedly asked for a deferral of our payments to be added at the end of the loan. We have applied for their assistance program twice. Each time they give us the same numbers where they want us to pay double our mortgage payment. We can not financially make those payments. We are asking the payments we owe be deferred to the end of the loan. They are unwilling to work with us knowing we can not make double payments. We are in fear of losing our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT
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:
On XXXX XXXX I called Capital One for my balance due and immediately made an XXXX from my checking account for the full amount of {$8900.00}. I now have gotten a statement charging me and additional {$14.00} in interest. I called Capital One and was told I would have to pay that interest because I did not ask to speak to a representative and ask for the " pay off amount ''. At no time do they ever advise you of this when you call in nor do they have the option of pay off balance only balance due. When I pointed this out to the representative she informed me that I would still have to pay the additional amount. Being that their call in did not offer the correct information or option to pay the bill in full I do n't feel I should have to pay the additional amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have rented several apartment and homes over the last seven years, which come with numerous bills in my name but for some reason, I do not appear to have any credit. Any time a service runs a report on me, nothing comes up. It has caused recent issues with a rental I am entering into an agreement with and I would like to figure out why this is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, I am having trouble connecting my PNC Bank account to the XXXX investment app. The reason provided was that the CFPB is authorized by the PNC bank to prevent me from connecting to the investment app. My complaint is to request authorization that enables my connection. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have tried twice now to get the bank to credit my account for fraud against me. I have asked for copies of the documents that they used to say that the charges were authorized. I didnt authorize them so who did they give the authority to to authorize use of my account and my card. They sent me a letter that states that they would be willing to send me copies and when I asked them for them they tell me that they can not send them to 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 2019-09-10
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I'm trying to get a new credit t for the first time in I can't get one and I want to know why

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 2018-03-16
Company: Experian Information Solutions Inc.
State: MI
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 second re investigation letter into Experience along with additional proof of a collection on my report the is incorrect. Collection account name is XXXX XXXX. I received an email stating the debt remained. Around the week of XX/XX/XXXX I called Experian asking how this is possible with the proof that I sent in. The rep looked at my proof and said yeah she agreeded but just cant delete something and told me I need to work with the collection agency. I explained to her I have called them and faxed them and they refuse to speak with me. I went on explaining they are bulling me and know the debt is wrong. Also the amount showing owed doesn't even match what was billed to the insurance from the original party. 

The rep then went on to say she will call the collection agency. She called and stated XXXX told her to tell me to send them the proof directly. I said back to her how does that make any sense when your company already stated they showed them the proof with my dispute? Then went on this is what I mean that this company is trying to bully me. The rep told me there was nothing she can do. Experian is ruining my credit and are reporting incorrect information after a lot of proof as been provided.

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 2019-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have previously filed a complaint directly with Bank of America regarding a Fraudulent Credit Account that was opened in XX/XX/2018. The Bank refuses to remove the account it is fraudulent I never applied for a Bank of America credit card account no one from the fraud department reached out to me via US Mail to resolve my complaint instead they attempt to compel me to pay the debt that I did not benefit from nor do I have any knowledge of who applied for this Bank of America credit card account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Called me at 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 non-monetary relief
Consumer complaint received 2022-12-16
Company: American First Finance, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On Tuesday XX/XX/2022 at XXXXXXXX XXXX  I entered XXXX XXXX XXXX XXXX XXXX XXXX '' store to finance some furniture for my household. I was told to fill out an online application to see if I qualify for said loan. At XXXXXXXX XXXX  I was denied for the credit after they ran my credit. They told they will send out an adverse action notice to my email address that I provided to them with more details of why I was denied. I still have not received the notice and as far as I know when they ran my credit a consumer credit transaction has to have taken place. Which they did not disclose the material facts with me at the time of the credit application being filled out and I did not receive any furniture. It is unfair that they have discriminate against me after I gave them my social security card number. Pursuing 15 USC 1602 ( L ) my social security card is my credit card so how can they deny me after I supplied them my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: M.L. Zager P.C.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I have an account with my daughter, not only was it her student loan money the account had under XXXX dollars, which by New York State law is exempt and the creditor can not take this money. Also on the NYS Collecters Association there is an explanation on how certain money in the bank is exempt. I explained to the bank and the third party creditor and none of them knew this law existed. I believe the money was taken out against the New York State Levy Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a ton of automobile inquires ranging from XX/XX/XXXX -XX/XX/XXXX and one mortgage inquiry in XX/XX/XXXX that I do not recognize nor did I authorize. I have tried to dispute this with the credit bureau ( Transunion, XXXX, and XXXX ) via fax, email, and phone. Then continuously tell me that I these are statements of fact and I applied for credit and they ca n't be removed. One employee of Transunion told me that I applied for this credit even after I told him several times, I did not. So the fact is that companies can place a hard inquiry on my credit report without my authorization. I 'm not talking about the firm offer of credit, insurance, court order. Those I understand but these hard inquires are neither. That is pretty alarming and I want resolve this issue without having to mail letters to 35 different XXXX having to

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 2019-04-22
Company: BOK FINANCIAL CORP
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
i have contacted XXXX XXXX XXXX multiple times and found out when i went there in person they are now BOK financial. XXXX XXXX XXXX XXXX, XXXX XXXX. they gave me the phone number in XXXX Oklahoma for the mortgage portion. XXXX spoke to XXXX and then supervisor XXXX XXXX and i requested the information, he refused to give it to me. 
i requested a payoff amount they refuse to give it to me because im not the original person on the loan, it is my parents and they are both dead.. my name is on the deed with rights of survival ship i and the mortgage company 6 times have sent death certificates and copy of deed also my ID showing who i am and the i am the legal owner of the home being sold. when i called him he asked for my middle name aso its XXXX a very XXXX name and their attitude was worse, not only are they not allowing me my legal roghts to know how to pay off their loan in good faith, but they are also RACIALLY DISCRIMINATING me because in XXXX and i don't live in Oklahoma. i am requesting immediate assistance in this matter and a attorney to sue them for breach of contract and stress pain and suffering can you help me. my escow manager in charge is XXXX XXXX at lawyers title in XXXX Arizona XXXX can confirm all documents were sent. XXXX XXXX went as far as insinuating that she was lying about sending documents and requests. considering were in mourning over the recent death of my father they are being unjustly unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I send a letter asking the company for validation of the debt twice and they never answered this is going over 6 months already, they took the debt off my credit report at one point then put it back on adding a XXXX and then they took off the XXXX and just left the reporting debt on my report.

Company response to consumer: Closed with explanation