BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-06
Company: ALLY FINANCIAL INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX, XXXX  and XXXX all have been sent a request to investigate on these creditors that are on my reporting. Also hard inquires companies i have no clue about. I have been on a clean streak with trying not to get my credit up and have not open any accounts for these past couple years. but for some reason. these hard inquires have been showing up on my reporting and i dont know why they have not been contacted by the 3 main credit company about this. 

Also XXXX XXXX duplicate reporting for the same company is on my report i had only one account with XXXX XXXX XXXX. 

XXXX XXXX XXXX - XXXX XXXX - No idea who these people are file a couple dispute with XXXX  and XXXX. still nothing. 

XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - Apartment - i returned keys already but they sent me to collection and damage my credit for keys that have already been returned.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My checking account seemed odd. Not handled properly it seems. Loyal and proud member of Wells Fargo.

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 2020-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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 acct opened in XXXX. They closed it XX/XX/XXXX. 
Last charge XX/XX/XXXX for $ XXXX, made payment in full for $ XXXX XXXX XXXX. 
Credit card limit XXXX. Every payment since XXXX was paid in full before 30 days. In XXXX and XXXX of XXXX I never received the statement as XXXX has not been delivering mail to right addressees. Once I notified the bank, I paid the lowest bill of less then {$300.00} to Bank of America, and they even waived the late charges due to my payment history. They said it would not effect my credit. 
I have no derogatory payments, late or in collections from any institution. 
I never got any letter leading up to the closing of the account. 
I am working with all three credit bureaus to dispute the late payment from Bank Of America back in XXXX. I had XXXX XXXX points that is cash that had of mine at the time. They said many of the points expired and I never got the cash amount. This is a personal card hurting my personal credit. To reach a high credit limit I had to have high charges with great payment history and the high amounts paid off. I am not treated like a valued customer as they say and if they actually looked into my account instead of sending a computerized impersonal letter, they would have seen I am a good customer who pays all bills on time, and the mishap in XXXX was brought to their attention right away and was paid. In 15 years I have never been late so I should not be faulted. 
Most of all they are ruining my credit and chances to get another credit card with A high limit which I worked hard for. 
Is it because of Covid and they are afraid I will charge a high amount and not pay and they could also expire my cash points that I rightfully earned? 
Their response was we can close an account any time for any 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 2020-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX principal payments were transferred from my personal account in house with bank of America to my mortgage account. Each time while on automatic payment for my loan, they have taken another payment with interest. Now for whatever reason for2 weeks I can not speak with them they just keep putting me on hold!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Trident Asset Management, L.L.C.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original account was with XXXX over 7 years ago. When the account was closed, the remaining balance was credited and was left with a XXXX balance. This account was removed from XXXX, but is still being reported by XXXX and XXXX. This account is more than 7 years old and I am no longer liable for this account as it was paid prior to going to collections with Trident. Each time that there is a new acquisition of XXXX  accounts, this account keeps getting transferred instead of being formerly closed out. I have never had an account with Trident Asset Management and this should be removed from my credit report as it is infringing on my rights to Fair Debt Collection practices. This account appeared on my credit report in XX/XX/XXXX ( never reported prior to this time ) and when I noticed this old debt I contacted the agency to remove. It was agreed that they would remove it, but the debt keeps appearing on my credit report. I contacted the better business bureau and they have sent on XX/XX/XXXX and I also spoke with their representation onXX/XX/XXXX I escalated the call to the manager of the rep as she was unable to produce information as to how my credits were applied ; she advised that this debt was merely validated. I asked for an explanation of charges and this was never produced. This debt is too old to report and should be removed from my credit report instead of keep getting sold to additional credit collection agencies. Please have the company update the records and remove from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Firstsource Business Process Services, LLC
State: VT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of this year, I started receiving phone calls from One Advantage about a medical debt from XXXX XXXX in XXXX, VT. That debt was given to One Advantage because of some billing mistake on XXXX XXXX part, but even with the billing error, OneAdvantage was attempting to collect the entire bill including what had already been paid by insurance. 

After many phone calls and diligent effort by XXXX XXXX billing department, the mistake was discovered and One Advantage was notified.

Now, 5 months later in XXXX, One Advantage is attempting to collect the same debt again. I have called both XXXX and spoken One Advantage, but I am not interested in entering a medical debt collection cycle so I am submitting this CFPB complaint in hopes that these multiple " errors, '' all of which coincidentally favor OneAdvantage, can be corrected once and for all.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian has a Bankruptcy CH-XXXX  listed on my credit report from XX/XX/. The Bankruptcy I filed was a CH-XXXX and should have been removed from my Experian credit file last year after the 7 year limit. Please ask them to correct this error.

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 2021-03-30
Company: The Receivable Management Services LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/21 someone named XXXX from some " LLC '' company tried to collect a debt that I do not know. She wanted my name and would not say what she wanted. She was aggressive and rude. I told her I do not have debt and would not give her my name. I told her to never call my house again. Her number was XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX I attempted to use my Chase XXXX, it was declined. I investigated and found out the credit limit was was reduced by XXXX. When I called Chase they stated they sent a letter. I never received the letter. I asked for escalation and was transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
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: Information belongs to someone else

Complaint:
I noticed a few accounts i am not familiar with

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 2020-09-15
Company: Experian Information Solutions Inc.
State: MD
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:
Submitted a dispute regarding XXXX XXXX account on my report, the dispute is for a 30 day late that is incorrect. I've submitted XXXX disputes and each time the 30 day late is moved to a different month when I have not made any late payments on the account. Information is not being verified and it is just being updated to reflect incorrectly each time. No proof was sent regarding the verification, so I'm curious of how the updates are being verified

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: TRANSWORLD SYSTEMS INC
State: NJ
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:
This loan was originally obtained in XXXX. The loan first became delinquent on XX/XX/XXXX. I obtained a copy of my XXXX report on XX/XX/XXXX to see what was on it. the account was reported as delinquent since XXXX as expected. The account was due to be removed from my credit report on XX/XX/XXXX and today on XX/XX/XXXX I once again checked my report and noticed that the creditor XXXX erased all of the previous reported missed payments from my report and re-reported the account as being delinquent only as of XXXX. I contacted XXXX  via telephone and the representative notified me that as of XX/XX/XXXX XXXX reported that I was only 180 days late on the account. By my calculation a delinquency from XXXX does not equal 180 days late. The creditor is try to keep the account on my credit report longer that legally allowed by reporting fraudulent information to XXXX. I have disputed this account on 4 different occasions asking for proof of contract between myself and this agency without any luck in obtaining that information. My original creditor was not this agency that is currently trying to collect on this very old debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
Hi, back on XXXX I found out that I had identity theft on me. My bank notified me thatI had a judgement/lien on my home from Capital One Bank. 

From there I took the information I received from my bank and found out that Capital One Bank had the found person. So from there I did my due diligence. I first reported it to the police then call Capital One Bank regarding my concerns. 
When I first called I was told that my didnt have any information on me at all. After calling back three different times I finally got someone who told me that this issue was from a IRA account that was open and used for a while then was over drawn by XXXX with a balance of {$7.00} in savings account Well after findings this out I told them they had the wrong person. I explain to them how could this be me and you company dont have any information on me at all. I been trying to get this issue rectified since XXXX XXXXXXXX in XXXX XXXX I send information providing my have the wrong person. Every time I call I get they are working on it. On XX/XX/ I now get they never received my information and I had to send it again, which I did on XXXX.So Id date I still have not heard from Capital One Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
There is a mistaken chapter XXXX entry on my Transunion file, I want this to be deleted and there is a letter attached explaining the isssue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Ive been a Care Credit/XXXX XXXX cardholder for 4 years. During all of this time, my Credit Limit always remained the same. Initially, when requested they would never increase my Limit nor change it. Not even for emergencies or while having a high credit score. 

Now, that I finally received my dispute credit via CFPB & am satisfied with that resolution. There 's a consequence ... due to my CFPB request they seem to have decided to decrease my credit by A XXXX dollars. 

Its not fair. This sudden change does nothing for them. I have a perfect record with them, which is something they should be more concern with. I even increased my monthly payments amounts and owe very little at this point. In conclusion, this change only hurts me ( their customer ) by affecting my credit. The lower the CL is for an account, the higher my credit use becomes. I do n't plan on using the {$2800.00} but I just want it higher to benefit my credit score. If it was never changed in 4 years it should not have been changed now following my dispute resolution. 

I did reach out to XXXX XXXX requesting them to leave my Credit Limit as it was but they declined this. I waited over 1 month trying to work this out with them. I was told Corporate would be contacted twice and they never responded. Then, I reached out again and waited another 10 days for a decline letter via mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have contacted the company who has been reporting the wrong information along with the credit bureaus .... XXXX and TransUnion has removed the item but XXXX  has not ... Also I have ask all three bureaus to stop reporting a negative late payment I have contacted the company and there saying that they are not reporting any late payment ... I have ask if they could send the bureaus something in writing so that this could stop having a negative affect on my credit .... I have done everything I can by calling, summit documents and still no removal. Im just asking if these items to be removed ... 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 2021-05-10
Company: Bread Financial Holdings, 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: Account status incorrect

Complaint:
My XXXX Credit report showed a closed account with Comenity Capital Bank as having been 60 days overdue with the highest balance of {$900.00} higher than the credit limit of {$500.00}. The account was reported late due to a disputed {$7.00} finance charge that I was unaware of. In addition the report of an over the limit charge was incorrect since the limit was {$10000.00} when I made the last charge on the card. 

Between XX/XX/XXXX and XX/XX/XXXX, I made purchases totaling {$870.00} using my XXXX XXXX credit card account. That was the last time I made a charge on the card. 

I made the full payment of {$870.00}, which was debited from my checking account on XX/XX/XXXX. 

I moved from XX/XX/XXXX to XX/XX/XXXX at the end of XX/XX/XXXX and thought I had paid the bill in full so that I was not expecting a {$7.00} bill from the Credit Card company for accrued interests. I was completely unaware of the bill. 

In XX/XX/XXXX, I became aware of the issue and settled the matter with the Credit Card company by paying XXXX {$20.00}, which they demanded. I also requested that the card be cancelled at that time. 

On XX/XX/XXXX, as I was trying to refinance my home, I became aware that the Credit Card Company had reported a serious delinquency of over 60 days on my credit report. 

I contacted all three credit reporting agencies to dispute the report. I also contacted the Credit Card company by phone and sent a good will letter dated XX/XX/XXXX to the Credit Card company in an attempt to resolve the issue. 
The company responded negatively to the phone calls and did not respond to the original good will letter. 

I followed through with a second good will letter dated XX/XX/XXXX. 
The credit card company formally rejected my goodwill offer in a letter dated XX/XX/XXXX At least one credit reporting agency deleted the delinquency report. My credit report with XXXX  now incorrectly shows that I was 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
i have few thing on report that where done in my name ..i had nothing to go on but put them in my bankruptcy but they still appear it the only thing i knew how to do so after bankruptcy i still see them on report so i tried to dispute but no luck there and i been watching XXXX   and got your contact so im asking please can you help me as well as inquiries that where not mine..

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 2020-06-25
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I took out a loan from XXXX in 2016 at an interest rate above 90 % at first I was making good payments of {$290.00} on the loan even at times making extra payments for a close to 21 months. I ran into some had times and could not afford the high monthly payments, my loss in income and health issues, I did not have the money to make the payments of {$290.00} every month. The loan from XXXX was originally {$2600.00} at 135 % APR so 21 payments a total of {$6100.00}. XXXX states I still owe them {$1200.00}. I have sent them letters that I was on XXXX from my job and with a lower income it was very difficult to make the {$290.00} payments every month. XXXX sent a letter back offering to accept a final payment of {$120.00} to close the account and show paid as agreed on my credit report. I sent them the payment within the offered time that XXXX demanded. I sent the payment on XX/XX/2016. as of today XX/XX/2016, XXXX has yet to process the payment, but now sent me an email stating that I owe the {$6000.00} plus dollars and they are will to settle the debt for {$1500.00} dollars. When I sent them an email regarding the matter the stated that I needed to call them to resolve the matter. I said I would like to correspond with them via email, because I do not like how the mislead clients and deceived consumers.

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 2019-02-01
Company: Experian Information Solutions Inc.
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:
i have few thing on report that where done in my name ..i had nothing to go on but put them in my bankruptcy but they still appear it the only thing i knew how to do so after bankruptcy i still see them on report so i tried to dispute but no luck there and i been watching XXXX  and got your contact so im asking please can you help me as well as inquiries that where not mine..

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