BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/2019 I paid My Collections account for XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX in an agreement to delete this from my account within 30 days, however it has been longer then 30 days and I was trying to submit a Dispute with supporting Documents online and through the mail with Equifax, I also tried calling in in a dispute but I could not submit support documents after the file dispute started through the phone dispute option. I am trying to submit my supporting documents through Equifax because I have had problems with XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX not agreeing to the agreements for deletion and send incorrect information to the credit bureaus. I have attached the agreements and statements for which I paid my XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: BAM Management US Holdings Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hi, I am reaching you because I am not getting any updates from Binance US side. Let me shortly explain what is going on.. Almost five month ago I received an email from Binance US that my account is going to be XXXX and I have several days to withdraw all my funds on the account. I did it, but there was a pending transaction that I accidentally fulfilled and money were transferred to my XXXX account. I opened a case and tried to talk with Binance US support in the face of XXXX XXXX. They opened my account, but I could not withdraw my money because there was some problem with XXXX XXXX sync there, I reached the support again and they stated that they are working on the resolving the issue. Eight month passed, but there is no result. I am a patient person, but it has been eight  month since I can not get my {$25000.00} back, I hope that you can help me with my problem because I dont get a response from anywhere ... Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
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 information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2018-03-22
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
American Honda Finance is reporting a recent late payment on an account that was paid off and closed years ago. I was never late one time and was on auto draft. How can they update currently late when the loan is paid off!? When I call them they just transfer me around and say that they can not see the late or why because the account is so old. 
So nobody can help me. I need this resolved please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: JPMORGAN CHASE & CO.
State: AL
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:
My credit card was charged for XXXX XXXX XXXX on XX/XX/2022 for the amount of {$890.00}. 

I did not authorize this charge, I live in XXXX and have work time cards and video surveillance to prove that I have not left my state during that time or within the past few months. 

I filed a dispute claim on XX/XX/2022 when I noticed the charge and on XX/XX/2022 they sent me a notice saying that I benefited from this charge and will be fully responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: The Bureaus, 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 paid that XXXX XXXX debit off in payments at least 2 years ago yet it still shows that I haven't. XXXX had the same info on their site and they corrected it after they did there investigation. I've tried dispute that account countless # of times and it still shows active. I paid it off. In installments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX Paid Mortgage Payment- website not functioning properly and stated the following day that it was not paid. Although we had confirmation it was. 
XXXX Paid Mortgage payment again due to the website error and being told by XXXX XXXX that it was not accepted. 
Both of these were then debited from our bank account the first payment that they stated was not taken and then the second. We can prove through statements from XXXX. 
XXXX Contacted XXXX XXXX we were told to contact XXXX that this was on their end and nothing XXXX would or could do. Contacted XXXX paid a fee ( out of our pocket for XXXX mistake ) to then have this payment reversed and credited back to our account. 
XXXX Paid Mortgage Payment XX/XX/2019 Pay Reversal done by XXXX due to prior phone call with the stop payment & reversal as they blocked XXXX from taking any money from our account. When the request came through from XXXX they denied it based upon this. 
We have screenshots to show this and where it was paid and paid on time. 
XXXX We were made aware that two payments were due at this time due to the mistake outside of our control. We immediately in a show of good faith paid two payments at the same to get this back current. Incurred additional late fee even though this was something we never knew about and have screenshots showing where it was paid on time. 
Even after such as this was corrected and XXXX was aware of the mistake and mishap from the website & XXXX they chose to report this to our credit. The single derogatory remark ever on our perfect credit profiles. This has reduced our scores drastically.

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 2020-10-09
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: Their investigation did not fix an error on your report

Complaint:
I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: TD BANK US HOLDING COMPANY
State: AZ
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 a victim of identity theft. The inquiries, which appears on my credit report from TD Auto Finance dated XXXX/XXXX/XXXX does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 

I have contacted these companies individually and have not received any reply back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I signed up for the XXXX XXXX from Barclays Bank. The card included an introductory offer of XXXX XXXX XXXX points awarded after a purchase has been made within 90 days and the annual fee has been paid. The terms stated that the award would be posted '' after making your first purchase in the first 90 days and paying the annual fee. '' I made a qualifying purchase within the first 90 days ( on XX/XX/19 ), and paid the annual fee ( as reflected by the zero balance in the XXXX statement ), but the company has refused to honor the rewards offer, stating on the phone that the terms say that the annual fee must be paid within 90 days, and was only paid after that time. However, the terms clearly differentiate between the initial purchase which must be made within the first 90 days, and the annual fee upon which no required time-frame is specified. While initially, customer service representatives from Barclays denied my request for them to approve the claim, ultimately on XX/XX/XXXX, XXXX supervisor did approve the request, stating that many customers have been calling in regarding the issue of ambiguous terms in the reward offer, and that Barclays has decided to honor these request. The representative was quite clear that the points would be reinstated, only adding that it may take one billing cycle for the points to appear. However, I subsequently received a letter from Barclays stating simply that " we are currently unable to assist you with your rewards issue. '' Upon calling customer service, I was informed that the company was denying the request. There was no record of the approval from the supervisor in the conversation on XX/XX/XXXX, although the representative did acknowledge that there was a call at that time and that all calls are recorded. I subsequently initiated another inquiry on XX/XX/XXXX, this time asking that the details of the case be notated - including the conversation with the supervisor on XX/XX/XXXX. I have recently received another communication from Barclays, again stating that " we are currently unable to assist you with your rewards issue, '' with no further explanation given.

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 2021-02-02
Company: CBC Companies, Inc.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DBA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Factual Data ( dont recognize, unauthorized inquury ) XXXX XXXX XXXX ( double inquury! ) XXXX These are the 5 Lenders showing on my credit report as Hard Inquires! One lender ( Factual Data I never authorized and XXXX XXXX  pulled my credit multiple times ) During a 2 week period XXXX I was shopping for home loan refinance and my credit should not have had such a significant drop in credit score due to these hard inquiries as law states " would only count as 1 pull of credit when shopping for mortgage within 30-45 days period '' My credit was a XXXX on XX/XX/20 when a few calls were made to 3 lenders only! Within a 2 week period! In beginning of XXXX, I noticed these 5 hard inquiries on my credit report and my score dropped to a XXXX!! Nothing else had changed to my credit report during this time that would have impacted such a drastic drop in my credit score, only these hard inquires, at which point I immediately saw the drop in my score..I am disputing these hard inquiries and request they be removed from my credit report. Thank you for your assistance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: EQUIFAX, 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 information incorrect

Complaint:
I received an alert on my credit file from Equifax today the XXXX of XX/XX/2018 stating that my score had dropped due to an increase balance on my XXXX XXXX credit card. My Equifax credit report stated that my XXXX XXXX Card Balance went from {$0.00} to {$210.00}. I called XXXX XXXX and confirmed that I paid my credit card balance on the XXXX of XX/XX/2018 to a {$0.00} balance and that there has been no new charges. I asked the XXXX XXXX Representative when was this balance reported and was advised by the XXXX XXXX representative that it was reported on the XXXX of XX/XX/2018. I asked why was an incorrect balance reported to the credit bureau and the representative could not give me an answer except that it could not be corrected until next month. This caused my credit score to drop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: FL
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 received a copy of my credit report and found the following item ... XXXX XXXX - amount {$350.00} to be a Violation of my Rights. I do not know this company nor ever did business with them. 

HIPPA laws do not allow my doctor or health care provider to share my medical files without my consent under a HIPPA release I do not know this company or ever had business with them. This company contacted me. They did NOT provide me a HIPAA release that releases my medical information to a 3rd party, therefore by providing me with my medical information they are in VIOLATION of my HIPAA rights. I will seek every legal remedy available to me and file suit against the credit bureau responsible. for reporting violations This account is : Violation of my HIPPA Rights Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character In accordance with the Fair Credit Reporting act XXXX XXXX has also violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions This account has been removed from XXXX and XXXX due to many violations Equifax states this account was varified as accurate. I am requesting the information below and ALL the information that was provided to Equifax 1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for or delete ; 2. The name, address and phone number of each person you spoke with that varified this account or delete 3. Provide 1099c and credit insurance or delete ; 4. Provide original signed HIPPA Release and original signed contract with me and XXXX XXXX or delete ; 5. Provide payoff discllosures, interest rate disclosures or delete ; 6. Provide collections ; license number and court documents that allow XXXX XXXX to continue to pursue this debt in Florida or delete ; 7. Provide documents that states this account was purchased or are you cellecting on the original account holders behalf or delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Santander Consumer USA uses heavy-handed tactics that violates the Telephone Consumer Protection Act to get consumers to pay their loans. These tactics allegedly include making repeated and harassing calls to plaintiffs ' phones and also the high-interest loans and fees violates the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: EQUIFAX, 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:
There are five student loans showing up on my credit bureau as delinquent. However, all of my student loans transitioned to XXXX and are in repayment with a good standing. Some of the delinquent loans have the same date or date range as my XXXX loans. I did not take out separate loans from the ones I already have that originated at XXXXXXXX XXXX University - XXXX. For example, there are two loans dated XX/XX/2007. Did someone take out a separate loan after I did on the same day? I do not understand why this would show up under the XXXX XXXX XXXX in addition to the XXXX loan in repayment with the same dates. XXXX is the service provider for all of my student loans including my only private loan. Additionally, the XXXX XXXX XXXX XXXX has sent a letter to garnish my check at my job. The principal amount is {$27000.00} ( see attached ), which is close to the same amount I am still paying. Please help me clear this up so this no longer shows up on my credit bureau doubled up with additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid for my credit card in time but Bank of America still charged with interest on my creidt card. 

My Name : XXXX XXXX Bank Name : Bank of America

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: Direct Recovery Services, LLC
State: WY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They keep calling and they do not state that they are a debt collector in their messages that they leave on my voicemail machine I have a recorded voicemail from them they also leave the account number on there in the voicemail without even verify that I am the person that they are seeking they keep calling at ungodly hours and not claiming to be a debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sent {$950.00} to a company called XXXX XXXX XXXX on XX/XX/XXXX to supposedly ship a puppy that I had bought online. They claimed the money was refundable ( 98 % ) but have not sent me any of the money back. This was done through XXXX and they aren't doing anything either. I never got the puppy as the next day they wanted more money to " transport, quarantine and give shots to puppy ''. This dog was shipped from North Carolina and supposed to go to Texas but for some bizarre reason she was shipped to California. No reason given but then they claimed the dog had to be quarantined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
CPFB, I am currently an XXXX XXXX member since 2014. Upon reviewing my finance documents both XXXX and XXXX knew I was in the military and never disclosed to me my rights under the military truth in lending and also the service member civil relief act. 
-I didnt get a buyers guide -The car was in an accident and XXXX knew -My rights were violated and grounds for the contract to be terminated and the person that has been reviewing my case fired due to being bias and unfair. 
-As a military member I am protected under the MTLA AND SCRA. This loan is covered under the MTLA due to the gap insurance. 
I have submitted multiple complaints and they are getting away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have disputed the late payment status reported on the account XXXX/XXXX, LA CHILD SUPPORT ENF with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has greatly affected my XXXX 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 2018-10-18
Company: Experian Information Solutions Inc.
State: GA
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 have disputed the late payment on this WFDS XXXX for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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