BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-28
Company: FORD MOTOR CREDIT CO.
State: IL
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, FMC-TAMPA-IG add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, XXXX FORD add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, XXXX XXXX FORD add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: LJ Ross Associates
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a {$74.00} collection on a utility on XX/XX/2018 that was paid in a result of selling an investment property I own. The utility bill was directly paid to the utility company paid and I received a collections after the house was no longer own by me. I didn't receive a letter nor a phone call regarding this collection. I called the utility company and they said the bill is paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
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:
I contacted the XXXX on XX/XX/2020 by certified letter. I requested that they remove some fraudulent inquires from my report. I advised them that by law they must remove and block this information from my credit report within 5 days..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My concerns with XXXX and their unfair credit reporting processes. 
I paid my account within 30 days ( XXXX and XX/XX/2019 ) and was reported late. 
The account was never late.

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 2018-07-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX credit reporting agency did not remove 2 inquiries on my credit report. They were to be removed on XX/XX/18. The 2 inquiries are for XXXX XXXX XXXX XXXX. The initial inquiry was 2 years ago. I just checked the report that is current as of today XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Avadyne Health Holdings, Inc
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Around the XX/XX/2016, I went to the emergency room. I had insurance to pay for the visit. I had both XXXX and XXXX health insurance. Well I have never received a bill from the hospital or anything and one day I was looking at my credit report on XXXX XXXX  and saw that the XXXX XXXX   Hospital turned in a bill into a creditor for {$8.00} XXXX XXXX  and it is the credit card t company called XXXX XXXX XXXX XXXX XXXX. I have disputed the debt collection with both XXXX XXXX and XXXX credit companies and I even told them that I had health insurance when I went into the emergency room. Finally after over 2 years of disputing the debt it was taken off of my credit report for about a month it was off of my credit report and then about 2 weeks ago it was back on my credit report. I am unable to dispute the debt online again because of the Coronavirus pandemic. I'm getting tired of disputing it and especially when I had insurance. It is not my fault that the XXXX XXXX Hospital didn't file the paperwork to the insurance companies that were supposed to do. It needs to be and should be taken off of my credit report because it shouldn't be on it in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: EQUIFAX, INC.
State: NV
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:
Since Covid19 CARES at placed all student loans on hold until XX/XX/2020 my loan company XXXX placed remarks on all of my loans on my credit. My score dropped 60 points due to this. There is comments of remark removed but that does not clear the report that they reported me and late and does nothing to fix the 60 points my score dropped. I have contacted them by email and phone with no answers. This is disgusting and they have never acknowledged this or even told me that this was happening to my credit. Not an I'm sorry or we are working on fixing this. Who is going to fix my credit score? There is no option to dispute what they wrote on my credit. 
Im XXXX. I have worked so hard to repair my credit and get it to good standing and XXXX destroys me and my score and is hush hush. Fix my credit score and completely REMOVE the notes from my credit scores!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: EQUIFAX, INC.
State: TN
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX CARD, US DEPT OF ED/XXXX. 
Company Inquiries 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 XXXX XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILES. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT THE FEDERAL TRADE COMMISSION THE INFORMATION ALONG WITH THIS AFFIDAVIT. I DEMAND THESE ITEMS GET REMOVED. IF NOT I WILL PROCEED WITH GETTING MY ATTORNEY INVOLVED WITH THIS INCORRECT INFORMATION THAT YALL ARE REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I checked my personal credit report and I noticed an unauthorized inquiry had been made. 
I contacted XXXX, Experian and XXXX  and asked them to remove their credit inquiry from my credit profile.

I request that you initiate an investigation into the inquires listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: AMERICAN EXPRESS COMPANY
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:
I recently checked my credit score and found unauthorized inquiries into my credit history by American Express. The dates of the AE inquiries : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I've never contacted American Express. All of this was done without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The account is declared Paid on my XX/XX/2018 credit report, but creditor will not provide written verification that the account is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
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:
Theres a negative items on my credit report that doesnt belong to me from XXXX XXXX its over 7 years its there

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 2018-09-26
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I got a XXXX  XXXX XXXX credit card and paid it off, thinking everything was paid there was a past due amount for {$19.00} back in XXXX. It went past due for 30 days and then for 60 days so I called and they took off the late fees and I paid the {$19.00} but they still put it towards my credit score. I called them but they said they cant do anything.

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 2020-05-21
Company: Experian Information Solutions Inc.
State: MO
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/XXXX spoke with a representative about my credit card payment. I stated to the rep that I had been trying to reach someone in customer service since XXXX about wanting to return the items which was the balance due in acct. Rep stated no worries she would take care of late payment and not to make any payments because she had sent in request to not make payment due to customer return. I for proof email that she did that she stated she could not send me a email but not to worry my credit would not be affected. Call again on the XXXX spoke with another rep she stated the same thing not to worry everything was already put in my account would not report negative. On XX/XX/XXXX I got a negative reporting stating 30 days late called spoke with rep on XX/XX/XXXX he said the rep did not submit request correctly and thats why it was reported late. I made the payment of XXXX he stated that he would put the request in to credit back team to remove negative impact and give me my points all back. On XX/XX/XXXX I get another negative report to XXXX  68 points dropped because it was just reported to them and XXXX  as well Im very upset I mean emotionally distressed because of this negligence unacceptable customer service experience from XXXX representative. On XX/XX/XXXX I called spoke with a foreign agent XXXX first she gave me fake I.D number XXXX then she said XXXX she lied about what the rep notes stated in the system put me on mute I let her know the call was being recorded she never came back I hung up called back got a american agent XXXX I .XXXX XXXX she stated that the back office did not do their part after the both reps submitted payment relief application on my behalf to have minimum payment waived with late fees as well she it was their fault for not handling it in a timely manner and correctly. This should be updated no later than 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 explanation
Consumer complaint received 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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/XXXX spoke with a representative about my credit card payment. I stated to the rep that I had been trying to reach someone in customer service since XXXX about wanting to return the items which was the balance due in acct. Rep stated no worries she would take care of late payment and not to make any payments because she had sent in request to not make payment due to customer return. I for proof email that she did that she stated she could not send me a email but not to worry my credit would not be affected. Call again on the XXXX spoke with another rep she stated the same thing not to worry everything was already put in my account would not report negative. On XX/XX/XXXX I got a negative reporting stating 30 days late called spoke with rep on XX/XX/XXXX he said the rep did not submit request correctly and thats why it was reported late. I made the payment of XXXX he stated that he would put the request in to credit back team to remove negative impact and give me my points all back. On XX/XX/XXXX I get another negative report to transunion 68 points dropped because it was just reported to them and XXXX  as well Im very upset I mean emotionally distressed because of this negligence unacceptable customer service experience from XXXX representative. On XX/XX/XXXX I called spoke with a foreign agent XXXX first she gave me fake I.D number XXXX then she said XXXX she lied about what the rep notes stated in the system put me on mute I let her know the call was being recorded she never came back I hung up called back got a american agent XXXX I .XXXX XXXX she stated that the back office did not do their part after the both reps submitted payment relief application on my behalf to have minimum payment waived with late fees as well she it was their fault for not handling it in a timely manner and correctly. This should be updated no later than 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 explanation
Consumer complaint received 2018-02-06
Company: Experian Information Solutions Inc.
State: MS
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 do not believe this loan belongs to me. My identity has been stolen and this information must be removed from my credit 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 explanation
Consumer complaint received 2020-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 balance transfer

Complaint:
Capital One offered me 0 % interest for 12 months on a balance transfer in exchange for a 2 % transfer fee. I accepted the offer to transfer a balance of just over {$14000.00} from my other credit card to my Capital One card. I contacted Capital One on XX/XX/XXXX to accept this offer and set up the transfer. The person I spoke to advised that the transfer could take 10-15 days and asked me for the amount I wished to transfer and the card number on the account from which I was transferring the balance. Near the end of XXXX, the {$14000.00} balance appeared on my Capital One card but was also still showing on my other account, which is an XXXX XXXX card licensed by and issued through my credit union. I called my credit union, who advised they had not received payment from Capital One. After calling Capital One in early XXXX, I found out they issued the check to the wrong payee And sent it to the wrong address. They wrote the check to XXXX XXXX rather than my credit union and sent it to the address for XXXX XXXX instead of my credit union. I advised Capital One of the problem and provided them the correct payee and mailing address. They advised the would cancel and reissue the check. It is now XX/XX/XXXX, well over a month since I set up the transfer, and I Still have balances of approximately {$14000.00} on both accounts. Ive also continued to accrue interest on my credit union card and the clock has started running on the 12 months of  0 % interest in the Capital One card even though Ive yet to receive the benefit of the transfer. Additionally, my credit score has  decreased significantly as a result of the credit usage reflected on my report due to having both of these balances. I asked Capital One to credit my account for the additional interest they caused me to accrue on my other card and/or extend the 12 months of 0 % interest to start as of the date the balance clears my other card. Capital One refuses to do either because I am the one that provided them the card number for my other account, which is specifically what their representative requested from me. I was not asked And did not provide who to make the check payable or where the check was to be mailed. I was only asked for the card number which I provided and provided correctly. When Capital One enters that number in their system, it apparently shows up as XXXX XXXX rather than my credit union. Despite this error on the part of Capital One, I am made to suffer the consequences and Capital One refuses to remedy the issue and make me whole despite multiple requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account included in my bankruptcy, this account originally started as a pay loan in XX/XX/XXXX and in XX/XX/XXXX i filed for bankruptcy and included this account in my petition case is ongoing, Then XX/XX/XXXX i saw this report included in my credit.

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 2020-09-05
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Appeal Suntrust bank XXXX Virginia Attn XXXX va XXXX XXXX Attention suntrust bank XXXX XXXX This cfpb complaint # XXXX is not a duplicate and needs to be addressed By XXXX XXXX Of Suntrust Bank now known as truest Bank .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XXXX/XXXX/XXXX US Treasury Check ( # XXXX ) for {$12000.00} was issued to me XXXX/XXXX/XXXX I deposited the check in TD Bank XXXX ATM ( XXXX # XXXX ) XXXX XXXX XXXX XXXX Later TD Bank told me that the check couldnt be cashed due to endorsement issue I requested TD Bank to return the check. 
But TD Bank told me several times that the check can not be returned due to their bank policy. 

It took me months to contact IRS and US Treasury Department to find out that someone in TD Bank has cashed the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: Lending Club Corp
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Lending Club misleads me and they apply payments to interest only and not to any principle. This has made it so I will always be late and therefore charges me more late fee 's. Although I ask them to apply my payments to the Principle and Interest they say that they are allowed to apply my payments to interest only if they choose. They offered me a deferral during covid for 2 months and now I will not be able to get caught up. They are a fraudulent company and their website shows misleading and little info to understand how to make a payment or pay off your loan.

When I talk to their reps on the phone they either say they cant do what I am asking or hang up on me.

They keep your loan information and statement to show little information that allows you to make sense of your current loan status.

Company response to consumer: Closed with explanation