BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-15
Company: CORELOGIC 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:
XX/XX/2020 I began shopping around for a vehicle and I visited 3 different dealerships. Ivisited XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, and XXXX. XXXX XXXXXXXX, I was approved for anew car. Upon looking at my credit report, all three dealerships ran my credit throughseveral credit approval companies. I have a total of 46 credit inquires across the three creditbureaus within a 7-day time frame. XXXX  XXXX XXXX XXXX XXXX XXXX placed a hardinquire on my credit 22 times. I sent letters to each of the individual companies andreceived a letter stating I agreed to them running my credit by providing the merchant mydriver 's license. I did not agree or approve these companies to run my credit 46 timesthrough several different companies, including those I  have never heard of. XXXX XXXXcould have used the first inquire as it remains available in the system for 30 days. I waspreapproved through XXXX XXXX and presented my preapproval to each of thedealerships. Unfortunately, all three of the dealerships ran my credit through severalagencies without my consent. I did not authorize these companies to run my credit or viewmy credit report. I have contacted these companies several times to request the removal ofthe inquire and even hired a law firm to help, but they will not budge. I also contacted thethree major credit bureaus and I did not receive a response. 46 inquires across 3 creditbureaus within 7 days are truly excessive and violates several consumer laws. I would like all46 inquires removed  from my credit. I did not provide written or verbal consent for this tohappen and I am saddened and truly devastation I am not being heard. These companieshave caused unnecessary harm. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a letter from XXXX year ago that my ss number was stolen along with thousands of others! Since I have had many credit cards and accounts and a loan opened that is ruined my credit! I think I should get my credit wiped clean because of this

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 2019-08-12
Company: BARCLAYS BANK DELAWARE
State: CO
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:
Barclaycard Ring refuses to post a {$300.00} payment to credit card. We faxed documentation on XX/XX/19, XX/XX/19. Emailed late XX/XX/XXXX. Called numerous times XX/XX/XXXX twice ( got hung up ), XX/XX/XXXX, XX/XX/2019.

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 2020-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
On XX/XX/2020 an " ACH PAYMENT REFUND '' for {$2500.00} was listed on my credit card transaction history. I did not request any payment refund and the money was not refunded to any of my other bank accounts. 
When I called customer service they told me someone has fraudulently called pretending to be me and request my most recent credit card payment be refunded to their account. The bank flagged the call as fraud when it happened but still transferred the money. 
Customer service said the issue would be resolved in a few days and it still has not been resolved. I've spent 8+ hours on the phone with the bank. 
I am having a hard time getting information on the issue and the transaction is still present on my transaction history.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person.

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 2020-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Capital One is reporting inaccurate late payments for the account XXXX. This is false. The account was closed by Capital One on XX/XX/2019. This is the same time period that a Federal Judge notified Capital One that a Bankruptcy stay was dropped and the case was dismissed. After Capital One was notified by the court that these proceedings ended, Capital One had a legal obligation to notify me of my current balance and a opportunity to pay any delinquency owed. They did not notify me even after a federal judge gave them my updated contact information and notified them that this would not go to bankruptcy. Capital One has violated my rights and has damaged my credit in the process by reporting information that is not true. The employees at Capital One made a mistake and improperly botched my credit score hurting my chances at buying a home. I demand that this item be removed from reporting moving forward. Capital One has had 10 months to properly contact me and settle any balances owed. They failed to properly process this correctly and I should not be held responsible for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: BTH Management
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This charge was under a bankruptcy and some of this was already paid through that. Also, the collection company sold my car and is still trying to collect the full amount without taking into consideration the amounts that were already paid through the sale of the car and my bankruptcy. I want this removed from my credit report immediately as it is false information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ
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:
Nissan Motor Acceptance Corporation continues to report a " delinquent '' account on my credit report. This account was included in my husband 's bankruptcy which was discharged on XX/XX/2018. Copy attached. Per Arizona law, spouse debts are included in the bankruptcy even if only one spouse files and are discharged as well ( marital property ). Motor Acceptance Corporation has responded to CFPB ( Case No XXXX ) and myself that they do have a debt against me separately. This is not true and unlawful. They have removed the account completely from my husband 's report and should do same for my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Experian Information Solutions Inc.
State: PA
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:
For the last 45 days, I have been reaching out to XXXX XXXXXXXX XXXX  regarding my account showing as closed on my credit reports. I have disputed the closed status several time with all credit agencies and also have reached out to XXXX XXXX XXXX to correct, and they continue to not update status as an open account. This information directly impact my credit score as I attempt to fix my credit scores.

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 2020-07-05
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My student Loans were in Forbearance until XX/XX/2016. In XX/XX/2016 my loans went into consolidation. On my current credit report Nelnet is reporting late payments for time periods that my student loans were in deferment or forbearance. Also, Nelnet is showing my loans as late when the loans were not late, Nelnet was completing the process of paperwork internally. I understand that errors due occur and that we all make mistakes. Thats is why I am giving Nelnet 30 days to correct my file appropriately. If this is not updated correctly I wlll file a lawsuit against Nelnet and file a complaint with the department of education. These are not empty threats because you all did choose to report each loan dismemberment separately I have over 16 late payments for loans that were not delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted XXXX XXXX to inquire about the remaining balance owe they say i owe them in the amount of XXXX thats apprearing on my credit report. {$10000.00} is total amount of the car which i leased from XXXX XXXX in XXXX. I paid on the car 2 years before it was repod. I called XXXX XXXX and spoke with XXXX and XXXX about the balance and was told the car was resold for XXXX in XXXX which was suppose to be deducted from the balance that ive already contributed to. From XXXX to the present, XXXX XXXX has been reporting inaccurate info on on credit report mainly Equifax and also late payments. Surprisingly after the conversation with this organization they reported AGAIN involuntary repossession on my Equifax report which caused my score to drop 78 points out of spite. Also while looking over my credit report it seems as though they changed at date from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Maximum Title Loans, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX kept calling and Harressing me consently regarding and XXXX XXXX after me and my XXXX XXXX contect person XXXX XXXX one of accounts Manager at XXXX XXXX XXXX at XXXX XXXX XXXX XXXX has sent Both XXXX XXXX Store Manager on XX/XX/2019 and XXXX XXXX from XXXX XXXX XXXX Collection Department the Power Of Attorneys Authorization form to communication with as my Power Of Attorneys from XXXX XXXX XXXX regarding my loan account and amount to set up payment arrangement to get them to set up and settlement offer to settle loan account. And provided them the cease and desist notice on XX/XX/2019 to cease and desist and terminate any all collection Harressment cal and to direct all communication with XXXX XXXX XXXX my Power Of Attorney to settle my loan account they has on filed and they consently kept calling and Harressing me regarding loan dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I had a 401k retirement account through my employer managed by Wells Fargo in XX/XX/XXXX the company filed for bankruptcy and I was laid off. I submitted a direct rollover of the full amount to a new XXXX IRA with a different financial institution which was completed on XX/XX/XXXX and showed my account as having a balance of {$0.00}. On XX/XX/XXXX I received a check for {$1.00} the statement saying this was a direct rollover - termination benefits and a balance of {$0.00} I mail this to my new financial institution to be deposited into my new IRA. On XX/XX/XXXX I received a check for {$2.00} saying direct rollover - termination benefits because the amount increased and because I am receiving another check I call Wells Fargo retirement services and speak to someone who informs me this is a residual balance and my account balance is now {$0.00} and I will not receive any more checks, she can not explain why this is the second check I have received or why the amount has increased. I once again mail the check to my new financial institution to be deposited into my new IRA. On XX/XX/XXXX I receive a check for {$0.00} I call again and inform them I want my account closed and am told the same thing this is a residual balance because I picked aggressive options for the market, but that my account is showing a {$0.00} balance and I should not receive any more checks. I do not mail the check because the stamp and envelope cost me more than {$0.00} to mail it. Now with a check data XX/XX/XXXX I have received {$10.00} this has been over one year now that my account was supposed to be closed. I called again and am told again this is a residual balance they just keep repeating that this is a residual balance. I say that I want my account closed they say that this is because of the market and it is out of their hands. They did say they would submit a request for an investigation and that a person would look at my account and let me know if I will be getting any more checks. This is not a solution I just want my account closed.

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 2022-10-26
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
i have tried for the last two months to access my account via td bank website. The site keeps saying my credentials are wrong. When i attempt to reset the password with my debit card number, it's still not working. I called TD bank small business department and exclaimed to the agent how upset i am with not being able to access my account. I told her I have no idea when I used my card because I cant access the account. She rudely placed my on hold and never came to the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: EQUIFAX, 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 have 2 collection bills that I settled and paid with the companies. XXXX  and XXXX  Credit Bureau updated and removed from my credit report ; however Equifax is still reflecting an outstanding balance for these 2 collections. 
On XX/XX/2020 I made a settlement payment with both collections : Opened XXXX XXXX XXXX XXXX   XXXX  $ XXXX Settlement {$600.00} Opened XX/XX/XXXX XXXX $ XXXXSettlement {$78.00} I have receipts and statements to show payments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Convergence is trying to collect with written threats on an account that was dissolved & reallocated to 2 other accounts and subsequently paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: Bread Financial Holdings, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Someone tried to obtain a credit card from PayPal through XXXX.I never applied nor would I.Iwrote a letter to PayPal to send a letter of Deletion to XXXX but after a month was told they were not able to comply because they use XXXX XXXX XXXX to do credit checks and the bank is responsible for all credit from PayPal. I contacted the bank and they said it was not their responsibility to resolve PayPal disputes.XXXX was very hard to reach and  said they could not help me without The Letter of Deletion from PayPal The date I was first aware of the fraud was XX/XX/XXXX,2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
For the last 45 days, I have been reaching out to XXXX XXXX XXXXk regarding my account showing as closed on my credit reports. I have disputed the closed status several time with all credit agencies and also have reached out to XXXX XXXX XXXX to correct, and they continue to not update status as an open account. This information directly impact my credit score as I attempt to fix my credit scores.

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 2017-08-05
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I applied for credit line increase on my   XXXX   card ending  XXXX . Request was denied on   XXXX   XXXX  , 2017 simply because I did not yet make 12 monthly payments ( not related to my credit ). However, needlessly Cardmember Services afterwards on   XXXX   XXXX  , 2017 made a hard inquiry against my credit and even advised " ... the consumer reporting agency played no part in our credit decision ... '' This was improper and clearly needless hard inquiry that did not play any role in creditor making decision which was already made for other reason.

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 2020-09-01
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:
THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY IDENTITY, PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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