BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-03
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
hello, back on XX/XX/XXXX, I ran a credit check on my credit score and realized that a credit agency had placed a collection on my credit for XXXX The following days I called the collection agency, Collection Bureau Hudson Valley , Inc, and inquired on the charge which they stayed it was from a past-due bill from XXXX that was for XXXX  for equipment and XXXX for past due service. I asked the agent to provide me with a bill explaining the charges, to which the agent replied " you would have to call XXXX and request the bill from them ''. I called XXXX and requested the bill which they stated the bill could not be provided to me because it was an old bill and to request from the collection agency because they have a record of it. On XX/XX/XXXX, I went to XXXX and returned the equipment, and requested from them the bill that determined I owed them XXXX. The agent had a difficult time coming to the final calculation but provided me with the XXXX last bill statements that showed a final balance of XXXX as of XX/XX/XXXX. The bill for XX/XX/XXXX, showed XXXX, and the bill for XX/XX/XXXX, showed XXXX. The agent said the equipment was for XXXX which was cleared because I was returning the equipment which brought me back to the XXXX. I asked how did the bill get to XXXX, which she stated she was not sure and believed I got a credit. I left XXXX without a clear understanding of how I still owed XXXX. On XX/XX/XXXX, I received a notification from XXXX XXXX saying my credit went up and that the collection agency had taken out the collection. I called the collection agency for proof of the bill being wiped out, and they stated that it was not wiped out but instead sent back to XXXX. I called XXXX and asked for proof of the bill again, and they stated that I still owe the XXXX which I asked for an explanation of XXXX which I was on phone for about an hour and at the end of the call lady, was not able to explain the XXXX just saying I received a credit for something that she didn't understand the code of. I asked for a bill showing the final XXXX and she said she could not provide me with a bill because the bill is too old. I still have not been able to see a ledger showing that I owe XXXX other than them, XXXX  and Collection Bureau Hudson Valley , Inc, telling me I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: HYUNDAI CAPITAL AMERICA
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 was affected by Hurricane Harvey and XXXX XXXX allowed to have two months of  lease payment put at the end of the lease. They have reported to credit reporting as 60 days late on both of the XXXX XXXX that are in my name. I have never been late and I have been trying to resolve this since XX/XX/2017. I am buying a house and due to their error it is affecting my credit score and making me pay a higher interest rate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
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: Reporting company used your report improperly

Complaint:
I was in the process of getting a mortgage through a different company which was at a higher interest rate when I received an email from XXXX XXXX aka XXXX stating that I could get a lower interest rate if I applied with their company. I clicked the link and completed the application and it said for me to email XXXX to explore my " options ''. I didn't receive a response. I get another email from XXXX   asking me to complete my application. I went through all the pages everything was completed so I asked my husband if he wanted to be co-borrower I figure maybe additional income was needed for my application. I received notification from my credit monitoring system that XXXX XXXX  XXXX accessed my credit report twice on XX/XX/XXXX and XX/XX/XXXX. I received another email from XXXX stating that I was denied approval because " loan representative 's credit score needs to be increased to XXXX ''. In the middle of this same email it stated " Your credit score : XXXX Date of credit pull : XX/XX/XXXX. '' I filed a complaint with XXXX XXXX XXXX and XXXX XXXX of XXXX responded to complaint saying that my credit score was below XXXX  which was not true. I asked her how did XXXX get my contact information and why they sent me that email to apply for a lower interest rate mortgage when I was already in the process with another company. She said they got my information from XXXX XXXX. Because XXXX pulled my credit THREE times on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX this inadvertently affected my original pre-approval with the other company. XXXX had no intention of approving me for anything even though my credit score was higher than XXXX. I checked FICO scores for Transunion and they were higher than what XXXX  was reporting. XXXX XXXX was reported the scores XXXX  points higher for Transunion upward XXXX. Either way, I should have been able to qualify for pre-approval for a lower interest rate mortgage by myself without a co-borrower but the XXXX   system did a bait and switch and got me to include a co-borrower so they can get his information as well for marketing purposes. Even after XXXX denied me they continue to send emails asking me to complete the application. I feel this company is using phishing, bait and switch, and taking advantage of people during the COVID-19 pandemic by getting access to their credit information.

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 2019-05-24
Company: EZCORP, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
XX/XX/XXXX of 2014 from EZ payday loan. I never took out a loan with them in 2014. I wasn't even living in the place that say I was living at.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
After falling on hard times and not being able to complete the original terms of the loan, I was able successfully complete a settlement agreement with NetCredit in 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
ERC was contacted and told that in Texas the statue of limitations of original debt is four years, Texas Statue Section 16.0004 ( a ) ( 3 ). They recieved the XXXX XXXX XXXX Debt on XX/XX/XXXX, the original collections dates to XX/XX/XXXX. I have requested that they remove it immediately from my XXXX file and they are not doing it. I have

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a deposit to my bank, Bank of America on XX/XX/20. The deposit is from a checking account associated with my employer and the reimbursement account. I have deposited a check from this account to my account at the above institution for years in similar amounts. There has never been an overdraft or uncollectable funds issue. 
Although my account and my employers are in good status, I can even see the money came out of my employers account, the above institution insists an " extended hold '' is necessary causing me great financial difficulty and is putting my creditworthiness at risk as I HAVE BILLS TO PAY!!

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 2021-02-03
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 status incorrect

Complaint:
I received a letter from anytime fitness on XX/XX/2020 saying they were removing a collection amount XXXX {$260.00} ) from my file. I've disputed with transunion twice but as of today its still on my report and negatively affecting my credit score. Also in XXXX of 2020 I had over {$26000.00} in credit card debt. I've since paid it down to {$13000.00} but transunion has only raised my credits core XXXX or so points? This is ridiculous. The only reason these credit reporting agencies leave negative stuff on your report is so you have to spend several hours getting it off, so you repeatedly have to keep coming back to their website and viewing all their advertisements again and again. Because this collection debt is still on my report I've not been able t ok get a loan or other credit cards during this uncertain time of covid. Why are these credit reporting allowed to have so much control over me and taking care of my family?

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 2019-11-15
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
referred two accounts, but haven't received the bonus promised. Opened an ticket ( XXXX ) with them and they told me that I was eligible to receive the referral bonus, but after several months, nothing received ... Contacted them again, their CSR and supervisor just told me that ticket had been closed and they couldn't do anything now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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 REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Please remove the following fraudulent inquiries from my Transunion report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2019-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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: Problem with personal statement of dispute

Complaint:
TRANS UNION CREDIT REPORT is not accurate. 
It reported collection by XXXX XXXX. 
I am not aware any collections. I was customer of XXXX more that 10 years ago. 
I had a dispute with them. Collection report is false.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had booked flights on XXXX XXXX for XX/XX/XXXX and due to Covid-19,  our flights were canceled because flights were suspended in our city. I reached out to XXXX to get clarification on refunds or credit. We did not ask to change or cancel our flights with XXXX and we were never informed that our flights were canceled. We discovered this information when checking the status of our flights on their website. When multiple attempts were unsuccessful I reached out to our capital one credit card and informed them of the situation and started a dispute. On XX/XX/XXXX they credited my account and on XX/XX/XXXX they denied my dispute and I was rebilled for the flights. Capital One informed me that I needed to deal with the merchant and that they would no longer help me. I informed Capital One that XXXX had voided my vouchers due to the dispute and that they would not be giving me any vouchers to use for future travel because the bank had been refunded for our flights. I have talked to Capital One multiple times to inform them that services were not rendered by XXXX and that they continue to inform me that no vouchers will be given to me for the canceled flights. Capitol one refuses to assist me in the matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have attempted to contacted XXXX and XXXX  on multiple occasion to investigate an account with XXXX XXXX which is reporting on my credit report as a charge off account after their initial investigation which was falsely verified as my account by the merchant, I have tried to initiate a second dispute with supporting documentation but every time I call these agencies their computer systems are always down, and I am asked to call back later. I have never conducted any business with the above auto finance company, and with the information, I was able to obtain It appears to be an account that was open fraudulently using an old lost or stolen ID and a previous address of which I have not resided over 3 years. It has been over a year and a half since my initial contact with these agencies and have not been able to accomplish anything thus far. This inaccurate information has severely damaged my credit rating and has caused me to lose out on job opportunities I am overwhelmed and do not know what else to do.

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 2018-03-09
Company: SYNCHRONY FINANCIAL
State: NY
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:
Recently, we received our annual cash back check for our XXXX XXXX XXXX. At that point, we realized that we never received a check for the previous year. We called to complain, and basically we were told that they sent us a check for over {$300.00} ( unfortunately, I don't recall the exact amount ), but since we never cashed it ( because we never received it ), they basically took the money back, and they refuse to do anything about it. We asked to speak to a supervisor ( and spoke with operator # XXXX ), and she told us the exact same thing. We feel that they owe us this money, and shouldn't be allowed to take it back simply because we never received the check.

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 2019-03-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
While reviewing my Equifax credit report, I see that an address that is listed is a place that I have never lived. How can I have this removed? 

I have never lived at the following address : XXXX XXXX XXXX XXXX, NC XXXX Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For several months we have been receiving letters from AFNI stating we owe XXXX {$6300.00} but they are willing to settle for {$3100.00}. I have never had an account with sprint and there is nothing on my credit report related to unpaid XXXX bills. If I have in fact been turned over to a collections agency for a legitimate balance due I would expect to see that delinquency history on my credit report. I have notified this company this is not my debt. I refused to give my SS # because I believe this to be a scdam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Please know that I was not late on the mentioned accounts here.. I wonder why credit bureaus report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, 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 2021-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted CFPB on XX/XX/XXXX to report that inXX/XX/XXXX, Bank of America ( BOA ) denied my request for an increase in my credit limit on my Bank of America credit card. At that time, it cited as its decision : *Utilization of your credit is too high *Current or past delinquency with one or more of your creditors *Too many consumer finance company accounts For more than a year, I have been renovating my home, so my credit utilization that BOA felt is too high is reflective of those renovations. My credit is current and well-managed. I disagree with BOA 's assessment of my credit utilization, but there appears to be little that I can do about this issue. However, I adamantly object to the remaining two reasons that BOA cited -- delinquencies and finance companies on my credit report. 

There were no delinquencies or finance companies listed on my credit report when I requested the credit increase in XXXX of XXXX. Therefore, when I submitted my complaint to CFPB in XXXX of XXXX, I specifically requested that BOA state exactly what delinquencies and finance companies it identified. 

In late XXXX of XXXX, I received a written response from a BOA representative named XXXX XXXX. Mr. XXXX regurgitated exactly what was stated in the original letter of denial that was sent to me in XXXX of XXXX. Mr. XXXX failed to satisfy my request to specifically state exactly what delinquencies and finance companies it identified. 

I faithfully review my credit file at the start of each year because I do not like surprises. I know exactly what is on my credit report. All errors or items of concern that I find are immediately reported for correction, which is why I am requesting that BOA/Mr. XXXX clearly identify by name the items that it cited as the reason for its decision. BOA is either deliberately misrepresenting the information it alleges is in my credit report or it is reviewing inaccurate information -- information that is not on the reports that I review every single year. I am attempting to get to the bottom of a problem that BOA alleges exists. Since it is making statements that I know are inaccurate, it must clarify those statements. 

I am again requesting that BOA provide me with the requested information. I will not consider this complaint closed until BOA has responded to my satisfaction. 

The CFPB reference number for my XXXX to CFPB is 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 2017-12-11
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XXXX 2017, a credit card was fraudulently applied for under my name. American express took my existing credit line from my blue American Express card, and partially transferred over to the fraud account. I contacted American Express, which they immediately closed out the fraudulent card but never returned back my credit line to my existing account. I have called American Express over 10 times, and have been on the phone for over 9 hours, without a resolution. No one knows which department can help and I have been given false promises.

Company response to consumer: Closed with non-monetary relief