BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-11
Company: EQUIFAX, INC.
State: TN
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is another of multiple complaints about thisxsane bank and sane problem. The issue is the bank refusing to pay authorized payments claiming WE did not authorize. Vendor receives XXXX XXXX XXXX XXXX. Payment not made we are then in arrears, credit score messed up causing severe impact, and vendor action repossess vehicle for non payment. The bank continues to blame vendor while doing absolutely nothing to work with or resolve the issue. They will NOT REPOSINF. In writing or letterhead because that would be an admission of their failure. As noted this has and is causing severe credit and financial impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Filed chapter XXXX bankruptcy XXXX/XXXX/XXXX, approved for XXXX XXXX credit limit of XXXX, XXXX XXXX XXXX and XXXX XXXX for XXXX in XXXX of XXXX. Bankruptcy XXXX in XXXX of XXXX. Fast forward to XXXX checked my credit report XXXX Experian showed that all three credit cards where added to chapter XXXX bankruptcy I then called experian to see how that was possible since I did not add them on list of creditors for bankruptcy. Agent then told me that sometimes when someone applies for anything before discharge date that what ever accounts are open at time will be added to bankruptcy and the creditors are the ones who contact credit bureaus with information and that I should contact credit companies. Since XXXX XXXX was the creditor still emailing me stating that I owed them I contacted them just for them to tell me the exact same thing Experian told me. So I stopped paying on the credit card. Now here we are months later of going back and fourth with this particular situation all 3 credit cards have been added back to equifax and XXXX report and has my score droped because of higher utilization rates, late fees and now I have extra credit cards that I do n't not need because I opened 4 other cards to restablish credit now there is a total of 7 cards that I can not pay for.

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 2021-05-15
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: Their investigation did not fix an error on your report

Complaint:
Experian report number XXXX I have disputed an unverified alleged collection account, requesting verification of alleged the alleged account by providing documented evidence of a signed credit or loan application bearing my signature. Experian not only refused to provide the requested information but continue reporting unverified information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Checked credit report and noticed two unauthorized accounts on my file.

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 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is a follow up, an update from a previous complaint. I represent myself. 

I have notified credit reporting agencies and financial institution that they are reporting an account that is past the New York statue of limitations. 

New York Consumer Credit Fairness Act was passed XX/XX/2022 ; New York 's statue of limitation is three years.

The account has not been removed from all three major credit reporting agencies. 

If it is not removed within 15 days from all three major credit reporting agencies XX/XX/2022, I will move forward with legal action.

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 2019-02-05
Company: Santander Consumer USA Holdings Inc.
State: NM
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:
Santander is reporting a debt on my credit file that I do not owe. They are reporting as a charged off collection. This debt is supposed to be paid the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: Resurgent Capital Services L.P.
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: Their investigation did not fix an error on your report

Complaint:
XXXX report number XXXX I have disputed an unverified alleged collection account, requesting verification of alleged the alleged account by providing documented evidence of a signed credit or loan application bearing my signature. XXXX not only refused to provide the requested information but continue reporting unverified information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Filed chapter XXXX bankruptcy XXXX/XXXX/XXXX, approved for XXXX XXXX credit limit of XXXX, XXXX XXXX XXXX and XXXX XXXX for XXXX in XXXX of XXXX. Bankruptcy XXXX in XXXX of XXXX. Fast forward to XXXX checked my credit report XXXX Experian showed that all three credit cards where added to chapter XXXX bankruptcy I then called experian to see how that was possible since I did not add them on list of creditors for bankruptcy. Agent then told me that sometimes when someone applies for anything before discharge date that what ever accounts are open at time will be added to bankruptcy and the creditors are the ones who contact credit bureaus with information and that I should contact credit companies. Since XXXX XXXX was the creditor still emailing me stating that I owed them I contacted them just for them to tell me the exact same thing XXXX told me. So I stopped paying on the credit card. Now here we are months later of going back and fourth with this particular situation all 3 credit cards have been added back to equifax and XXXX report and has my score droped because of higher utilization rates, late fees and now I have extra credit cards that I do n't not need because I opened 4 other cards to restablish credit now there is a total of 7 cards that I can not pay for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Filed chapter XXXX bankruptcy XXXX/XXXX/XXXX, approved for XXXX XXXX credit limit of XXXX, XXXX XXXX XXXX and XXXX XXXX for XXXX in XX/XX/XXXX of XX/XX/XXXX. Bankruptcy XXXX in XX/XX/XXXX of XX/XX/XXXX. Fast forward to XX/XX/XXXX checked my credit report XX/XX/XXXX XXXX showed that all three credit cards where added to chapter XXXX bankruptcy I then called XXXX to see how that was possible since I did not add them on list of creditors for bankruptcy. Agent then told me that sometimes when someone applies for anything before discharge date that what ever accounts are open at time will be added to bankruptcy and the creditors are the ones who contact credit bureaus with information and that I should contact credit companies. Since XXXX XXXX was the creditor still emailing me stating that I owed them I contacted them just for them to tell me the exact same thing XXXX told me. So I stopped paying on the credit card. Now here we are months later of going back and fourth with this particular situation all 3 credit cards have been added back to XXXX and transunion report and has my score droped because of higher utilization rates, late fees and now I have extra credit cards that I do n't not need because I opened 4 other cards to restablish credit now there is a total of 7 cards that I can not pay for.

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 2022-04-04
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have had the vehicle for 5 years and the principal balance was {$15000.00}. I pay XXXX XXXX monthly. However they have been applying my payments of {$400.00} towards interest instead my principal balance. I still owe over {$10000.00}. I am facing financial hardships and they are threatening to repossess my vehicle. My child was diagnosed with XXXX recently and I need my vehicle to get her back and forth to therapy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Bank of America is a third class bank Recieved a call from XXXX XXXX 10 days ago and she said she we will solve the problem together. 

She sent me an email which mentioned that I will not be able to reply to the email but can call her on the number provided, I was not able to call her on the number provided from my regular phone, had to borrow a long distance calling phone from my friend, I called XXXX at least XXXX times, left her ample amount of voicemails but there is no response from her side. 

Bank of America is not solving my problem, from last XXXX week I am trying to file a fraudulent claim of {$410.00} which was charged on my card ending in XXXX on XXXX/XXXX/XXXX, I spoke with XXXX different supervisors ( XXXX was XXXX ) and with XXXX others on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX respectiely. XXXX told me that this claim was filed, but it was never filed. Bank of America has very unprofessional, unfriendly staff. XXXX supervisor says something and the other XXXX says something else. Please solve my problem and ask Bank of America to give me a credit of the charge I never made. thanks

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 2021-05-15
Company: CL Holdings LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
received a letter on XX/XX/2021 stating I have XXXX debt of {$1400.00} issuing company and addresses listed on letter : JEFFERSON CARITAL SYSEMS, LLC Dept # XXXX XXXX XXXX XXXX XXXX, AL XXXX also XXXX XXXX  XXXX XXXX, NC XXXX also XXXX XXXX XXXX, XXXX XXXX, MN XXXX Website : XXXX Phone : XXXX the only action I took was filing this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Bank of America Credit card issued, then suddenly canceled within less than one month of use for no reason. I have paid for the charges made on the card but refuse to pay the ridiculous fees for the banks error of issuing the card and closing in 3 weeks! Final statement was never issued and instead late payment reported to credit reporting agencies. Damaged my credit significantly from mid XXXX to XXXX and horrible customer service at XXXX/ Bank of America !

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 2021-11-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The 3 Credit Bureaus are reporting inaccurate information on PORTFOLIO RC. Per FCRA, reporting must be 100 % correct or the information must be removed. XXXX this reporting by making a revision of the information provided. Modify and perform any corrections or delete the following accounts from my personal file : PORTFOLIO RC - XXXX Balance {$5300.00} ; PORTFOLIO RC XXXX XXXX Balance {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Remex, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This was a corporate account and mistakenly reported on my profile. I believe there may be an error on the payment status, payment history, and the comment to verify this information, correct this if there are errors, or remove this ASAP. 

XXXX XXXX ( XXXX XXXX XXXX ) XXXX Balance {$340.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have violated my rights. I did not give written instruction. 

According to the law : 15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
I have contacted the company and ask for my 26.99 % interest rate to be reduced. I pay on time and have a good credit score. 

I can not pay down the balance with this abnormally high rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: AMERICAN EXPRESS COMPANY
State: KY
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:
These dates are estimatesXXXX XX/XX/XXXX : created account with American Express XXXX card for XXXX bonus points 10x points on restaurants as the sign up bonus ( SUB ) when I signed up there system was down and I had to resubmit my application. 
XX/XX/XXXX : becuase of the system down problem I called to confirm I would be receiving the XXXX points and 10x restaurants on my card as SUB, agent confirmed that and I told him to put a note in the system XX/XX/XXXX : called again to confirm and told me I only received XXXX SUB, agent understood the previous call and opened a case XX/XX/XXXX : received a letter in the mail stating that the SUB was only for XXXX not XXXX XX/XX/XXXX : called Amex agent and told me to disregard that letter sent in the mail and the case was still opened XX/XX/XXXX : called and told me case was closed and they didnt no why, they reopened cased and put priority on it. 
XX/XX/XXXX : Received letter in mail stating I would only get XXXX, called and talked for an hour to a rude supervisor who just wanted to argue. I told him to go back and listen to the original conversation ( since they are recorded ) he got all defensive and said it didnt matter what the agent said. 
XX/XX/XXXX : called again today and was told the same thing about how this could not be fixed as it was not an American express error even though it was. 

I made a post on XXXX about this and it seems to be a very common bait and switch technique that American express uses to lure in customers. If you just type in on XXXX American express bait and switch it is flooded with XXXX   about this. This is very concerning and seems like it could become a class action lawsuit. I will include screenshots of XXXX  in the photos sections. They will also not share the phone calls of the first agent I talked too unless I subpoena it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: HYUNDAI CAPITAL AMERICA
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing in regards to a late payment on my credit report from for XX/XX/2019 on my account # XXXX, original balance {$20000.00}, opened date XX/XX/2019 that occurred due to a third-party error. 

My due date is the XXXX  of the month. On XXXX, 2019 I received a payment confirmation from XXXX stating that my payment was successfully submitted. However, one month later I realized that I had a late payment reported. On XX/XX/2019 I received an email from the third-party company stating that they committed an error and my payment did not go through. Before this email, I was not even aware that my account was carrying a balance and had a late payment. I immediately made the payment on but by that time I was already marked late. 

This was a situation that I could not control. I had over {$14000.00} in the bank, which was more than enough to make the payment. This was not a money issue or even worse, because I did not want to pay. Now I have a perfect record of on-time payments. 
As a courtesy, I am requesting that XXXX XXXX a goodwill adjustment and remove the late payment from my record. This is an account of more than {>= $1,000,000}. I have been with you for more than for more than one year. 

This is affecting me XXXX, and also my score dropped. I have lost many credits because of this situation. It is not fair this late being reported. I did receive a payment notification from the third party company. 

( I already sent all the documentation to XXXX XXXX on XX/XX/XXXX by mail ). 

Thank you for your consideration.

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 2021-05-15
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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX, Trans Union added a remark to my account regarding a dispute over the age of an account. My credit job 22 points for a reMark added to an account Found to be valid. I have no problem waiting the additional time in order for this negative account to fall off if it is valid, But its highly detrimental to lose points over a dispute. I was unaware that that was possible or else I wouldve never done that. Im doing my best to repair my credit and this undermines all of my hard work. I would like this remark removed.

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 2019-07-01
Company: Credit Management Services, Inc.
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called today after never having gotten a bill since well ever I had been given a summons back on the XXXX tried calling to see whats up finally found out who and where this debt collector is credit management inc in XXXX XXXX nebraska anyways called today lady on the phone said I need to pay attorney fees which even in the summons states they can't collect ( I have it recorded if that helps ) after I asked she became real rude and back pedaled she also would not give me a straight answer just for the sake of asking I requested whatever the total amount would be she kept saying XXXX plus some amount she does not know which makes me really question how I should know if this is even a legit thing. Last of all I don't even recall going to this place they say I got treatment but yeah can they just hang over my head an undisclosed amount? I looked it up and seems like they really exist but there is multiple issues even a class action lawsuit against them for violating stuff.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
At XXXX/XXXX/2017 American Express Travel Related Services Co., Inc. they stole from me about {$2200.00} by shutting down my prepaid cards and accounts ( Serve Card and Bluebird Card ) for no real reason and they refuse to give me my money back!!!

Company response to consumer: Closed with explanation