BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a bank of American travel rewards card and my application was turned down and a credit was pulled and I received a letter from Bank of America and it said it because I had a existing account with them and it was revoked and I called Bank of America and spoke to a credit rep and she told me to reapply and I did many times and I keep getting declined for the same reason but I had another credit card with Bank of America and it was closed due to lots of fake payments had been made I didnt make these large amount of payments at all and those checking accounts dont belong to me and I had my wallet and my cell phone stolen back in 2017 of XXXX and I didnt make those large payments to my Bank of America account ending XXXX and Im asking Bank of America to open up a fraud case where are those fake payments are coming from that cause them to end there relationship with me .... I did pay off my Bank of America card in full with a loan and today I still cant get a credit card with Bank of America it been revoked ...

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 2023-02-23
Company: EQUIFAX, INC.
State: ID
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 filed bankruptcy in XXXX and Equifax is showing my payment history as N/A. Immediately prior to that I had 100 % payment history. No late payments. But for some odd reason, Equifax decided to show my payment history no longer has 100 % excellent payment history, but rather theyre showing an N/A status which is further hurting my credit score. Its like they erased my excellent past 100 % past payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I had a car accident in the middle of XXXX. The insurance company totaled the car out and had some issues with making a payment out to XXXX XXXX. I contacted them and made them aware of the accident after they threatened to repossess the car. I communicated with both the insurance company and the lien holder to make sure XXXX got their payment. I let them know it would 7-10 business days to receive their payment. I sent them proof, and on XX/XX/XXXX they gave an extension to my account. On XX/XX/XXXX, they put a repossession on my credit and classified my account as a charge-off. They received their payment on XX/XX/XXXX, as promised. Now I can not buy a new car without a massive down-payment and crazy interest rates, and have been paying out of pocket for a rental ; because of the repossession/charge-off on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: AmeriCollect
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have reached out several times to AmeriCollect regarding the accounts that have listed as delinquent on my credit report. They have not responded to any of my attempts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Capital One stated to your agency ( CFPB ) under case # XXXX that they have resolved the issue. 

To date, no action has been taken and the credit bureaus have not received any notification. I verified this information with XXXX, which still has the disputed information on file and stated that they have not received any updates. 

Please resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
XX/XX/22 two cashiers checks were mailed on my behalf from XXXX XXXX XXXX to Capital One Bank to pay off an outstanding credit card debt. I was provided tracking information from the sender and a tentative deliver of XX/XX/22. I was alerted by XXXX XXXX XXXX XXXX that the delivery was made to the Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/22 at XXXX. The document was picked up by an individual. I called into customer service an hour later verifying receipt of that check and inquiring when payment would post. I was advised it may be the next day but as of yet there is no record of the check. I again called XX/XX/22 and received the same message that the next day ( XX/XX/22 ) the check may post as of now there is no record and to check back again. Being that the matter is sensitive in itself ( cash ) and time is not on my side, I need to see these funds are posted and the debts are cleared, not having a check sitting on an employees desk. Im very concerned

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX and XXXX of this year my XXXX XXXX was tanked around 49 points of non payment on this card when the card balance was {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: DISCOVER BANK
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/20 YOU SEEM TO HAVE RECHARGED ME FOR MASKS FROM XXXX WITH A GUY WHO INITIALLY DIDN'T SEND THEM TO ME ON TIME, TO THE FACT HE CHARGED ME XXXX FOR WHAT WAS SUPPOSED TO BE XXXX BUT HE MADE SURE IT WAS ONLY XXXX. SO YOU CAN TALK TO THE MERCHANT IN XXXX SINCE YOU DIDN'T WANT TO TALK TO ME ABOUT THE DISPUTE THAT SHOULD STILL BE ONGOING AS I CALLED AND TOLD YOUR CS REP ONCE THEY WERE DELIVERED VERY LATE THAT NOW THERE WAS ONLY XXXX IN THE BOX WHEN THERE SHOULD HAVE BEEN XXXX. SO YOU LET ME KNOW HOW MUCH YOURE GOING TO CREDIT ME FOR THE MISSING XXXX OR ILL CLOSE MY CARD AND REPORT YOU ALL OVER DISCOVER. 
THE CHARGE DISPUTE IN QUESTION IS WHAT YOU JUST POSTED BACK TO ME. XXXX XXXX *XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-08
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX sent business representatives to my business to set up a business account. The sales rep made promises and she didnt execute on them. I went to a XXXX location where I cancelled the account and returned the phones. XXXX continued to bill me every single month. I went back to the location and they told me my account was cancelled and they were not able to figure out why I was being charged. The XXXX reps told me to call my bank and block the charges. I HAVE NOT MADE 1 PHONE CALL during my time with XXXX and THEY WANT {$1400.00}!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: CBC Companies, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I received a letter from XXXX/personal loans dated XXXX XXXX.The letter states '' thankyou for applying for a XXXX personal loan on XX/XX/XXXX '' .I NEVER applied for a personal loan through XXXX or its affiliates.This is fraud.Why am i recieving this fraud inquiry a year latter from XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: HANCOCK WHITNEY BANK
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was charged on XXXX {$100.00} and charge again on XXXX $ XXXX charged on XXXX XXXX XXXX I realize that my charges I had over a draft protection an my charges were totaling {$130.00} the bank charged me {$250.00} my only income is a total of {$930.00} a monthly I get on the XXXX {$830.00} an on the XXXX {$91.00}. XXXX totally {$930.00}. 00 monthly I I called them and they said they would return my call somebody call me back and nobody ever called and has it still and that's been XXXX days ago all I have to live off nothing else my checking account has {$570.00} in it right now I have that's why I'm reaching out to you this is ridiculous I can't afford this I pay {$350.00}. XXXX rent an live in a rv from having to bury my son no insurance I'm not going to be able to eat you know I suffer from XXXX I lost my XXXX son XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX my XXXX is Extreme right now this right here is just adding to it if there's anything somebody can do this is an injustice please help me I'd really appreciate it please help me thank you God bless XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Mississippi XXXX my email address is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a loan with Toyota Financial for a XXXX XXXX   XXXX I set up automatic payments. Each month the amount due is deducted from my checking account. In mid XXXX I received a written notice that my payment was late, and that because my payment was late ( by only a few days ), a negative report would be sent to the 3 credit reporting agencies. I called them immediately and made full payment. They had no explanation for why this happened. The Toyota rep helped me reset my password. Today, I received a bill again. Because the bill made no mention of my automatic payment status, unlike other automatic payments I have set up, I phoned Toyota Financial to  confirm it was still set up. I waited an hour by phone with loudobnoxious music playing the entire time so that I could talk with one of  their representatives. The rep 's name was XXXX ( employee # XXXX ). She confirmed it was set up. I expressed dismay that the request I had sent by written letter ( the only form they would accept ) to have the negative evaluation removed was denied. She said the reason it was denied was because she reports that I had logged onto their website and before being able to go the website, a notice was presented that I had to accept ( that I had read it ). By accepting that I had read the notice, it changed the terms of my automatic payment, and removed it. Firstly, I do not recall at any time logging onto the site in the last six months. Secondly, even if I had, I believe consumer protection would have required Toyota to appropriately inform me that by accepting I had read the notice, my automatic payment status was cancelled. The rep, XXXX, said the notice was in the disclosures at the bottom of the website. Even if I had logged in ( which I do not believe I did ) AND I had accepted reading their notice ( in order to see my account ), it is NOT acceptable to change my payment terms without a clear and prominent notification. I believe it is fraud. I would like your help removing this negative rating from my credit report and ensuring that no one else has this incredible and unethical experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Caller options do not suit my issue. TransUnoin credit has maintained my previously excellent credit history for 25 years. During the period of XXXX-XXXX  had successfully paid off 10 cars and several other loans paid as agreed. Those tradelines fully demonstrated the financial literary I was taught at an early age. In 25 years I NEVER missed a payment!! NOT ONE. As a result of what I built as a part of that history, my Credit score with the presence of that information was ALWAYS nearly 800. Those Tradelines represent my creditworthiness and how I carefully managed my own credit over a lengthy term. Removal of them STRIPS ME OF MY IDENTITY and has been interpreted by me as an intentional tortious act against me. As noted above via timeframe. All of those tradelines were a picture of my credit health PRIOR to my Bankruptcy filing of XX/XX/XXXX. So since they were PRIOR and not inclusive in my filing. 1 ) I'd like to know exactly WHY they were removed? 2 ) Did you take it upon yourself to dictate my HISTORY? 3 ) WHEN are you putting the tradelines back?? Because according to your own publications. " MY HISTORY '' during said period is it what credit scores are dependent upon. 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 2020-05-24
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had some medical issues so I had referral appointments to the XXXX XXXX I had XXXX at the time every other appointments I had where taken care off.. I didn't get calls or any mail saying I owed a bill of {$160.00} And it showed up on my credit as a collection, this bill was suppose to be covered by my insurance. I tried to reach out to the medical office couple times no answers. Now this is affecting me for qualifying for a lease. This is unfair.

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 2020-11-23
Company: EQUIFAX, INC.
State: UT
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 have sent several disputes to each of the credit bureaus : XXXX, Equifax, and XXXX. They have yet to send over a single correspondence to me or respond to any of my disputes. I do understand that there is a pandemic going on, but they are still legally required to provide results. They are reporting inaccurate items on my credit file that need to be fixed. The bureaus are required to respond to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I froze my account with all three credit bureaus a few years ago. I got confirmation and 10 digit pin numbers that I was told would be needed to unfreeze. Last week I needed to unfreeze and went to the respective websites. Only the XXXX  site directs you to where you need to be to unfreeze. Neither XXXX  nor Equifax website indicated anywhere how to unfreeze. I XXXX how to un freeze and discovered that you have to go to " myequifax.com '' or " XXXX '' to be able to unfreeze. It should not be this hard to find the appropriate place to unfreeze or for that matter to freeze. BTW, none of the bureaus requested the 10 digit pin number that a had previously been sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Received a loan through XXXX XXXX XX/XX/XXXX for {$36000.00}. When I initially got the loan, there was a glitch in the system during my first payment month. I was assured the payment was received and I owed nothing until my second payment rolled around. Then, I was informed the payment did not go through and I would need to pay. So they worked out a deal, which ended up hurting me in the long run. They basically tacked the late payment to the end of my loan but on paper it looked as if I was always paying a month behind. I was laid off XXXX while having this loan in XXXX and XXXX for a total of XXXX months. I called and tried to make arrangements with XXXX but the month behind quickly became a problem for me. All the delinquencies on my account are from that timeframe where I was out of work.I wrote the companies XXXX. I was forwarded to XXXX XXXX. She was still not able to get the delinquencies updated although my loan is paid in full. This loan is still negatively impacting my score and I have tried everything to get this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
this is the second time i am filing a complaint regarding XXXX XXXX XXXX and tracking of public loan forgiveness payment tracking this issue. 

previously i received information from other borrowers accounts in addition XXXX XXXX XXXX was unable to correctly count the number of payments i had made. 

i submitted paperwork certifying my employment for a qualifying public loan forgiveness institution and received notification it was accepted on XX/XX/XXXX for the dates XX/XX/XXXX through XX/XX/XXXX, during this time i made a payment every month. 14 months, 14 payments. XXXX XXXX XXXX only recorded 2 payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
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: Investigation took more than 30 days

Complaint:
Received a loan through XXXX XXXX XX/XX/XXXX for {$36000.00}. When I initially got the loan, there was a glitch in the system during my first payment month. I was assured the payment was received and I owed nothing until my second payment rolled around. Then, I was informed the payment did not go through and I would need to pay. So they worked out a deal, which ended up hurting me in the long run. They basically tacked the late payment to the end of my loan but on paper it looked as if I was always paying a month behind. I was laid off XXXX while having this loan in XXXX and XXXX for a total of XXXX months. I called and tried to make arrangements with XXXX but the month behind quickly became a problem for me. All the delinquencies on my account are from that timeframe where I was out of work.I wrote the companies XXXX. I was forwarded to XXXX XXXX. She was still not able to get the delinquencies updated although my loan is paid in full. This loan is still negatively impacting my score and I have tried everything to get this corrected.

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 2021-02-09
Company: EQUIFAX, INC.
State: GA
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 Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I was laid off XX/XX/2011 and my last contact was XX/XX/11. Listed twice on all 3 credit reports by them and they sold debt to another lender. Re-Aging is illegal per FL Statue 5 years remove item from my credit reports. Mailed letters to inform them of this and they have not removed off credit report. Asked them to validate this debt and I have not hear from company at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09
Company: EQUIFAX, 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:
I have been disputing incorrect late payments with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.

Company response to consumer: Closed with explanation