BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-27
Company: HW Holding, Inc
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX have a collection placed on my credit report with Hunter Warfield Inc a debt collection agency located in XXXX FL. I have never opened an account with this corporation and they have failed to provide me with the proof of debt. It was placed on my credit report on XX/XX/XXXX for the amount of {$2400.00}. I have been hindered in opening credit lines in purchasing a new vehicle because of this negative information reporting on my credit report. I am including tracking numbers that proves Hunter Warfield Inc has received my dispute via USPS. # XXXX this letter was delivered to Hunter Warfield Inc on  XX/XX/XXXX. It has been more than 30 days and they have failed to respond. I am demanding this account be removed due to lack of validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: CAC Financial Corp
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Was payed on XX/XX/2018. Still on credit report, called XXXX XXXX onXX/XX/2018 was told shows no record of payment. Fax copies of cancel check on XX/XX/2018.receive call on XX/XX/2018 was told this wasn't my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: Social Finance, Inc.
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX has the most incompetent customer service I have ever experienced with a financial services institution. I have made in excess of 15 phone calls, sent 3 emails, and used their live chat twice over the course of two weeks trying to get a straightforward answer regarding the process to get an insurance claim check to which they are a co-payee endorsed and returned to me. I have yet to receive any useful response. I am ashamed to be a customer of theirs and will quickly be looking to refinance away from them. They clearly employ unqualified and untrained customer service people in this department that are incapable of performing basic servicing requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: AXOS FINANCIAL, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Since XX/XX/2021 XXXX online banking has decided to put my account on hold for reviewit has caused me to not be able to receive any direct deposits and pay any bills. They told me that customer service couldnt do any thing on their end and I would have to wait till the review was over. Ive tried to closed the account and they wont allow me to do that. there has not been any suspicious activity on my account and I have my debit card. They wont give me any information and keep telling me I have to wait till the review is over. This has been a huge inconvenience for me and not being able to use my funds in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: JPMORGAN CHASE & CO.
State: MD
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:
Today, XX/XX/2018, Chase Card Services put a hard inquiry on my credit report for a credit card. I didn't apply for a credit card today. Their information is : Chase Card XXXX. XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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 customer service

Complaint:
I originally used my reward to purchase XXXX gift cards, prior to redeeming my points for these cards I called customer service to verify that these gift cards would not expire since I was not planning on using them immediately but didn't want my point to expire. I was assured that these cards would not expire. Upon receiving the cards, I opened the envelope and glance inside to make sure the number of cards ordered were there, I did not take them out and look at them. this was back in XX/XX/XXXX ) I went to use them XX/XX/XXXX and was denied at the merchant because they were expired. I argued and said that couldn't be, the next day I called Bank of America and and was told that these cards did expire. I explained to them that it was not what I was told. After over an hour on the phone being transferred all around the company I was told someone would callme back and they will more than likely re-instate my points or re-issue my cards they have seen this resolved that way many times. I never received a call back. Called back again and they stated that they called me back, but after verifying and correcting my phone number the everyone I spoke to on that call the system was still showing an incorrect number. so I was transferred around again and again was told someone call me back and this was an easy resolution. Again no call. This went this way until about XX/XX/XXXX. After numerous transfer I finally go to speak to XXXX who was supposed to be supervisor. She needed to get approval and would call me back that day, surprisingly she did and told me that she had approval to re-issue my cards and they would be sent to my home address. I never received anything. I called again XX/XX/XXXX and spoke to XXXX another supervisor who was going to send me an escheat form to have my cards re-issued and assured me they would. He also did not have notes in the system of my conversation with XXXX. It is now XX/XX/XXXX and I still have yet to receive new cards. I am beyond frustrated. I have been a customer since XX/XX/XXXX and this XXXX card is my go to card for all my purchases and my account is always paid on time if not early. I never carry a balance. I have attached a more detailed letter with all the names of the people I have spoken to over the past 5 months, it's about 20 in all. This has cost me so much time and aggravation.

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 2018-11-27
Company: Bread Financial Holdings, Inc.
State: MI
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:
FRADULENT CHARGES WERE MADE ON MY CREDIT CARD FOR MERCHANDISE I NEVER RECEIVED FROM AN OVERSEAS COMPANY IN XXXX. XX/XX/2017. BILLING TOTALS {$820.00}. THE CREDIT COMPANY WAS MADE AWARE OF THIS ISSUE AND WERE PROVIDED LETTERS, EMAILS AND DOCUMENTATION BY ME TO PROVE MY CASE, YET THE CREDIT CARD COMPANY HAS DONE NOTHING BUT HARASSED ME FOR PAYMENT ON MERCHANDISE I NEVER RECEIVED..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Sulphur Bank Rancheria Enterprises
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
This payday lender accepted a fraudulent application online. The scammer used my personal information to apply. I received an email to continue or finalize an application I didn't apply for. They are not verifying identities of applicants. 

Being that I am a victim of identity theft, I created a system to give creditors pause before accepting any application not verified by proper identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I notice my credit score fell by over 60 points, upon checking my credit I realized that there was incorrect reporting of a late payment in XX/XX/XXXX on one of my XXXX XXXX account. I have three accounts with XXXX XXXX and base on my history there has never been a late payment on any of the 3 accounts. 
XXXX XXXX XXXX  XXXX Account Number : XXXX Account Type : Credit Card - Revolving Terms Account Status : Open Monthly Payment : {$25.00} Date Opened : XX/XX/XXXX Balance : {$680.00} Limit : {$750.00} Past Due : {$0.00} Payment Status : Paid or paying as agreed CREDIT CARD

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 2018-11-27
Company: EQUIFAX, 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 sold a vehicle to a young couple in Tennessee. When I requested the payoff amount from XXXX XXXX I was informed that the amount given would bring my account CURRENT and paid in FULL, as it was about 30 days behind due to me loosing my employment at the time. The couple had their bank, XXXX XXXX XXXX XXXX, mail a check to XXXX to transfer ownership of the vehicle. The check arrived on the XXXX of the month which is when my account due date was. 

XXXX LOST the check and the XXXX XXXX had to reissue another check to pay off the vehicle. That process took about 10 days before they were able to reissue the check to make sure that it was not in process of being cashed. By time the payment posted, it was the XXXX. 

Upon closing the account out XXXX changed the status of my account to no " more than 30 days late '' after I had to file a dispute with Equifax, XXXX and XXXX  to get them to close the account out because for 60 days they were still reporting that the account was closed with a balance due! 

How can a vehicle be paid off and the pay off amount does not include any prior amounts due? It does not make any sense. If the amount was incorrect, they how can the account be closed out and it is not current? What is icing on the cake is that there was a credit on the account and a check for the balance was supposed to be mailed. I do not recall ever receiving those funds either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: Verisk Analytics Inc
State: TX
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 sent a request for LCI consumer reporting company a request to disregard the sharing of my credit report sharing. This company shares consumer credit information. This company holds documents that can show up on my credit report that can be embarrassing which could cause harm against my financial wellbeing. 

LCI does not make my credit profile available to me, even though my personal information is held within their company. LCI does not allow a consumer to freeze their credit shown within their database. I Dispute these actions. This is a violation of the FCRA which states a data furnisher of credit must respect consumer credit reporting laws. LCI is not above they law! LCI does not have my permission to share, obtain, nor store my credit information at anytime. 

I sent LCI a request to remove my information on XX/XX/19. LCI respneded XX/XX/19 that they are not a credit reporting agency, saying that LCI does not participate in credit reporting acts. This is false! LCI was found on a credit board being reported by a consumer to sharing bankruptcy information. 

LCI sent me a dishonorable response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
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: Information belongs to someone else

Complaint:
Essentially, the company has entered an unverifiable account on my credit report that I did not open. I made this fact clear to the company and provided evidence confirming identity theft and evidence from US authorities confirming that my personal information, including my social security number, but not limited to, have been compromised. Despite this the company continues to report this derogatory account. This is my last attempt to have this matter rectified amicably without the need for litigation ; thus I have engaged the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: ALLIANT CREDIT UNION
State: MA
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 received an unexpected annual fee of {$59.00} ( card is and was advertised as no fee ; however, during the sign up process I was " upgraded '' to a card with a fee I later learned ). As soon as I saw the fee, I called to cancel it ( XX/XX/XXXX ). They offered to cancel my card but wouldn't waive the fee. They didn't even offer a pro-rated credit for all the remaining months! 

I didn't willingly sign up for an annual fee card from Alliant. It's even more disappointing I've been a customer for over 10 years with a very large balance. I emailed the CEO ( XX/XX/XXXX ) about the issue though it still hasn't been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: U.S. BANCORP
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:
Issue : Elan Financial Services ( Comerica/US Bank ) reported late payments to the credit bureaus, even though they told me before that I can skip the credit card payments On XX/XX/2020, I submitted a request through Elan Financial Services ( Comerica/US Bank ) online portal saying that I have a hardship due to COVID19. On XX/XX/2020, they replied saying that they will remove the late fees for the next 30 days so that there will be no issues for me to skip this payment. Therefore, I did skip this payment, thinking that they will not harm me in any way based on their reply. On XX/XX/2020, I was shocked to see a late payment reported on my credit report because I already reached an agreement with them and they did not tell me that they will report a late payment to the credit bureau. Also, I would like to add that I have contacted many credit card companies and they waived the late fees and no one reported a late payment to the credit bureaus, I am super angry because they reported a late payment to the credit bureaus without telling me that they will do that. I can attach a screenshot of my conversation, if required. I called them multiple times after I saw this late payment on my credit report, but they told me they can not do anything about this reporting of the late payment. Also, I asked to speak to a supervisor for 2 times and I was hang up on at the 2 times. In one of my calls, they told me that I can dispute to one of their departments about this issue by mail. I did mail this department and they responded to me saying that the information they reported to the consumer reporting agencies is correct. Therefore, I wanted to report them and how untrustworthy they are. I hope that you can take actions against them not just for me, but for many people. You can see the many people that reviewed them badly on XXXX : 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 2018-07-10
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: Their investigation did not fix an error on your report

Complaint:
I have lodged disputes with XXXX and Capital One with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During the timeframes listed I also asked for assistance from each of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have disputed 10 hard stops on my credit report from XXXX in the amounts of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to TransUnion and they have all been disputed as of XX/XX/2018 however they are still showing up on my credit report and I need them to be removed. These are not my fault, they are XXXX 's error and this have negatively impacted my credit score.

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 2018-02-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
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:
In XX/XX/2015 I received a call from XXXX XXXX. They called telling me how they could help my online business and persuaded me to buy their very expensive Marketing package taking complete advantage of me. This included Social Media Gateway Marketing leading traffic to my website, Mobile website, and Video marketing for {$7300.00} I paid them with my USAA XXXX card ending # XXXX I never received any of these services as stated in my contract or described to me when they contacted me on the phone, I have only received some basic account setup and a couple of half hour training sessions that lead nowhere and definetly not worth {$7300.00} It was very minimal stuff not even close to what they described to me when they got me to give in to their demands and pay them the outrageous amount. 

They deceived me and gave me their verbal promise this marketing package was needed to build a successful online business. 

This is unacceptable, please dont let these scam artist get away with this and help me get my money back. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have written Experian 4 times about an account that is not verified to be my account. I have asked them several times to show me the proof they have that the debt belongs to me. If it is my debt and you have verification then you should be able to send me that proof or else remove the item as suggested in the FCRA. they have yet to remove the item nor have they sent me proof that the debt in question belongs to me. 

This is all they sent The dispute for the account with XXXX XXXX XXXX, XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. 
Source : Experian Date Submitted : XX/XX/2021 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX, XXXX Address : XXXX XXXX XXXX, XXXX XXXX, IL 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 2018-06-15
Company: Knight Adjustment Bureau
State: ID
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Over the past few years we have been contacted by the collection agency Knight Adjustment Bureau about our car that was given back in XX/XX/XXXX and they always send us a paper stating that we are not being cooperative and that they will report and damage our credit which it was already reported. The tone of the letters are always threatening and when they call the use the same threatening tone. We have asked numerous times about getting a validation on exactly we owe but we never get it. They even said on the phone that there was 2 amounts listed, we were never given notice of sale after we voluntarily gave the care back or when and how much it was sold for. On our credit they listed as a involuntarily repossession. We sent a certified letter asking once again for the validation on XX/XX/XXXX and it came back yesterday the XX/XX/XXXX unclaimed. We have tried numerous times to get this resolved and they have yet to cooperate with us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 60 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief