BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-07
Company: Experian Information Solutions Inc.
State: NY
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:
To whom this may concern, I have recently noticed fraudulent activity on my credit reports. as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. Please can you remove the disputed items as soon as possible.

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 2020-11-24
Company: BANK OF THE WEST
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have a loan with Bank of the West and am in the process of selling my house to payoff the loan. In the payoff statement, Bank of the West charged me a late fee of {$670.00} when I have not been late at all. I called their mortgage customer service line, and the customer rep, XXXX, assisted my call on XX/XX/XXXX at XXXX CST. He confirmed that my loan is on the deferred program until XX/XX/XXXX and there is no late fee charge on my account. He said, they couldn't change my payoff statement and ask that I pay the late fee and get reimbursed after the close of escrow. 

Why would anyone pay a fee that he/she did not incur? Requested to speak with their supervisor and manager, and was placed on hold for over 20 minutes. After that, I was transferred to his voicemail, XXXX XXXX. 

Customer should not be asked to pay for a fee that he/she is not incur. I am infuriated by this treatment and am filing a compliant against Bank of West for improper charge of late fee against their customer.

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 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2019-03-23
Company: JPMORGAN CHASE & CO.
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: Problem with personal statement of dispute

Complaint:
i am file a complinat against jp morgan chase bank for file inaccurat report on my wife and my check account with the number isXXXX a account that we have has over a number of year. a credit agent XXXX consumer report agency XXXX XXXX  XXXX XXXX fla.XXXX. the infomation that they release to the XXXX XXXX the decline based these factor on unacceptable bank account history and unacceptable bank account acivity. this is a critcal issue in a finacail live '' this a consequence. my wife and i never missed used any bank account please check with XXXX XXXX agency. there is evidence demonstrate how XXXX XXXXonsumer report agency misrepresent customer account. this information is false and inaccurate that they has. and it need to be correct now. they just get sue for over XXXX XXXX by the government

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Commonwealth Financial Systems, Inc.
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently saw that a debt collector ( XXXX XXXX XXXX ) is reporting a debt of {$490.00} on my credit report. This debt is over 7 years old. I have not contacted the debt collector or made any commitment to pay this with them. This debt is from 2014. I contacted the original creditor ( XXXX XXXX XXXX ) And they stated " That they stopped collecting on their debts and have removed all negative marks from any and all of the credit bureaus a long time ago. This mark should not be on my credit report and is incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ON XX/XX/XXXX I submitted a complaint with the CFPB reference Healthcare Collections-I , LLC. Healthcare Collections-I llc is currently listing an account on credit report in the amount of XXXX dollars. They alleged in the response to have sent me a validation letter mailed to me on XX/XX/XXXX. This letter was never received by me. I contacted the original medical provider and who confirmed with me that I no longer have an outstanding balance on there books. The last service I received from them was on XX/XX/XXXX which is over four years ago. I request that Healthcare Collections-I , LLC provide me with the following response through this portal and mail. Being that is debt they are attempting to collect is a medical one, a signed HIPAA letter by me authorizing the release of my medical records to them. Information related to the transfer of account from the original creditor to them, such as time, date, amount Healthcare Collections-I , LLC bought or sold my account for. I am currently working with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and requested the above issues addressed. I have also filed a complaint with the Arizona  Attorney General 's consumer complaint unit. 

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 2021-01-26
Company: ALLIANT CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I lost my job and my home in XXXX after Hurricane Harvey. I used this card minimally before this all happened. I had to move and I didn't have a permanent mailing address until I rented a home in XXXX. I am trying to get a VA Loan to get back on my feet and this my lender said this information which shows as " revolving credit '', derogatory, but closed is keeping me from qualifying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
State: NY
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: EQUIFAX, 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:
In my attempt to correct inaccuracies reported by ; XXXX, Equifax, and XXXX, all three have failed to do so as regards the correct spelling of my name, the address at which I live, phone numbers that don't belong to me, an incorrect social security number listed by XXXX, unauthorized hard inquiries, re -insertions of an alleged debt made by XXXX XXXX of {XXXX} and reported by various collection agencies - once by XXXX XXXX and XXXX XXXX and now by a company referred to as XXXX.According to the date of the report by XXXX  , it appears that my right regarding the five day notification law was side-stepped by entering the date of report as XXXX - actual date not shown. I also made mention of the accuracy of the bankruptcy statement mentioned, whereas their reports show that the bankruptcy information came from the court. 
The date of my first attempt to correct matters was made by certified mail datedXX/XX/XXXX, which was sent to all mentioned credit bureaus. I followed with a second and third letter because in each case, their response was 'we have re-investigated and the reports were verified. ' My request for correction/deletion was ignored in that I asked for their method of verification to be shown in detail ; how was it verified, what was shown, was there documents shown bearing my signature of authorization, people who verified the information, their names, address and phone numbers - none of which was provided in the results of their investigations. 
In making my request, I provided proof of the correct spelling of name ; correct address, social security number, and a letter from the court stating that they do Not conduct any activities with credit bureaus.I provided copies of my drivers license ; social security card, mail with my correct address.I even reminded them of some the FCRA and FDCPA laws that apply. I mentioned filing a complaint with these protection agencies, the state 's Attorney 's office, the XXXX XXXX XXXX, and even my considering a small claims action against their company. To this day I am still trying to get these matters corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage servicing transferred to Fay Servicing. Apparently my mortgage also sold during Covid period to an investor who apparently does not have to continue or consider forbearance options. I have applied via Fay 's website, supplying paystubs now that I am back to work ( was out previously due to XXXX and health issues ). Unfortunately, I can not convince Fay Servicing to refinance and/ or setup a payment plan for the arrearage and balloon structure the remaining balance. This would be good for all parties. However, all I have gotten from Fay is that I do not qualify and sorry they are going going to foreclose, although no date for that yet. I am beyond upset. Please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: EQUIFAX, INC.
State: AL
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 NOTIFIED ALL THREE CREDIT BUREAUS ASKING THEM FOR A VALIDATION OF ACCOUNT FOR XXXX XXXX ACCOUNT XXXX. THIS ACCOUNT NEEDS TO BE DELTED FROM MY CREDIT REPORTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24
Company: HYUNDAI CAPITAL AMERICA
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: Was not notified of investigation status or results

Complaint:
I am the victim of some malicious actions by Hyundai Finance. Specifically, my wife and I had a Hyundai Motor Finance account # XXXX that was settled in full on XX/XX/XXXX. I have a letter, signed by XXXX XXXX from Hyundai finance dated XX/XX/XXXX that states that Hyundai submitted a request to the Credit Bureaus to reflect this account as a settled in full, charge off. Please see exhibit 1. 
I further confirmed on XX/XX/XXXX via an XX/XX/XXXXcredit report that indeed Hyundai had updated my credit report to reflect XXXX balance. See exhibit 2. 
I have been diligently working to improve my credit score for 2 years now in preparation for this moment, where I am now able to try to buy a home for my growing family- and on XX/XX/XXXX I applied for a mortgage and found that Hyundai Finance had removed the paid XXXX balance status from my account and updated it to show a charge off balance of {$540.00}, which according to the report was done on XX/XX/XXXX, a full year after the account was satisfied in full. Please see Exhibit 3. 

We lost the home we wanted to make an offer on as another buyer was able to get there offer approved, and now we are stuck with this egregious error on the report that is causing significant damage to our credit score, our finances, and taken its emotional and psychological toll on our current living situation. We further are in fear of missing out on the historical low interest rates currently available, and we are unable to take advantage on due to Hyundais continued incorrect reporting.

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 2020-12-02
Company: I.C. System, Inc.
State: SC
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:
IC Systems account # XXXX is reporting a fraudulent account to credit bureaus that is not mine. I am a victim of identity theft and I notified the credit bureaus of such by filing a dispute and submitting the documents attached in this complaint. I will use every legal remedy if this fraudulent account is not removed from my 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 2021-01-23
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Paid off Amazon card and it has been closed and for over 6 months Ive continued paying and I just noticed that the balance is always different. Im beginning to think this is fraudulent.

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 2023-01-11
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
I told t try hem I didnt want any kind o f extended warranty and my sales person said the same thing to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Signed a paper no extras except for gap got home looke at the contract they added over XXXX in warranty and would not fix it

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 2021-05-05
Company: EQUIFAX, INC.
State: NY
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:
XXXX  has listed XXXX XXXX as a new account on my credit report and will not remove XXXX XXXX as a negative closed account, even as I have disputed the account and the matter is in litigation. The information being reported is negatively affect my credit history and score two fold. First as a new account and second as a closed account. I would appreciate if both XXXX XXXX accounts can be removed from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 and Transunion are incorrectly reporting me 120 days on the XXXX - partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX ( pages 4 - 8 on the attached credit report. ) These accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be late on accounts with a {$0.00} balance and {$0.00} past due.

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 2020-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was notified by XX/XX/XXXX that I had a hard inquiry on my credit report from Capital One-Cabelas today ... XX/XX/2020. I have notified Capital One. I did not apply for this card or any credit card as of late. This is due to identity theft. I filed a police report as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX made no effort to correct their errors and continue to submit incorrect information to the credit bureaus. New Documentation attached Consumer unsatisfied No correction to consumer credit report as o

f XX/XX/2017. Capital One deceivingly removed their once reported cha
rge off and closed status as years past, and now reports that the account is active and 120 days past due amount {$120000.00} only which is false information. Capital One is repeatedly omitting the charge off status and is attempting to conceal and eradicate that a charge off ever existed. Therefore, I am requesting that CFPB enforce XXXX XXXX XXXX to report a charge off and closed status to all credit bureaus or to remove the inaccurate account. I am completely unsatisfied with the results of Capital One response dated XX/XX/2017. Capital One erroneous reporting caused me not to receive employment at the white house.They are reporting only to collect a debt with an amount that 's outrageously wrong that was previously charged off and past the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Dear PNC bank and Cfpb this bank refuses to close my account, and they are starting to tell lies now. 
I have never seen PNC at this way before I am so shocked, and a lady called me yesterday on the phone and said she would send me the {$12.00} the bank took this money with out my knowledge from my social security deposit money that was coming in. Please have them close my account today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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:
Bank of America negligently and with malfeasance is not mailing statements. My billing cycle ended XX/XX/XXXX. The bank has not yet sent out a statement, even though it is not almost a month, but also because the payment due date is today, XX/XX/XXXX. It is impossible to reconcile my receipts with statement charges unavailable. I believe that Bank of America is doing this to 1 ) Increase its fee revenue by customers not knowing how much to pay & how accurate the charges might be. 2 ) Force customers to switch to electronic delivery from printed statements 3 ) Because of its failure to maintain systems for its customers. In any case, Bank of America is discriminating against the elderly, the disable, the poor with its intentional anti-consumer behavior. Many of us do not have I-phones and can not utilize apps. Some of us do not have regular computer access or computer skills to bank online. I had to spend considerable time and effort, navigating complicated menus, in telephoning the bank to even find out what the non-existent statement balance is, But, the bank ; s customer service refused to read the individual charges to me. The bank declined to state what the problem is, but acknowledged that countless number of consumers have also not received their statements. So, I am being forced to pay today an unverified amount in the hundreds of dollars, simply to avoid late fees and interest charges. Bank of America, with record earnings, is screwing the consumer public by its nefarious games.

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