BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: KY
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:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15usc1681 section 602, states I have the rights to privacy. 15usc1681 section 604a section2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In my previous dispute with XXXX ( XXXX XXXX XXXX  credit card account ). I have previously disputed the reporting of this account with XXXX XXXX XXXX  and they proclaimed that the entry was reporting accurately on my credit reports. That is wholly untrue. In my previous dispute with them in XX/XX/XXXX, I informed them that they has not updated my credit report payment history since XX/XX/2018 with XXXX, XX/XX/2018 with Transunion and XX/XX/2018 with XXXX. I recently pulled my credit report and the only bureau that is current is XXXX ( see attached ). XXXX XXXX XXXX  has not updated XXXX sinceXX/XX/2018 ( see attached ) and Transunion sinceXX/XX/2018 ( see attached ). I am again requesting that XXXX XXXX ppdate my credit reports accordingly and immediately as I have been delayed well over 60 days. I would also like a copy of the request this company is sending to the bureaus as proof of receipt that they are indeed advising the bureaus to update, but the bureaus are blatantly not reporting.

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: 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: Their investigation did not fix an error on your report

Complaint:
I'm respectfully filing this complaint due to numerous of failed attempts in the removal of a XXXX Card account opened on XXXX-14, in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. With all my formal requests I was never provided any verifiable documents that supports company 's claim ; therefore according to the above statue my dispute has merits and should promptly and immediately be deleted.

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 2018-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
I have a secured visa card from Bank of America. I have had it for nearly eight years. When I originally got the card I was told that after a year I could get my deposit back and turn the card into a non secured card. I was also told that my account would be reviewed every six months for a increase. It has never been increased expect for last year for a emergency. The increase was for one week. I have been told several times that I was due an increase but nothing ever happens. It also has not helped my credit score. It has been the same for the last seven years.

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: CL Holdings LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I just went to see my credit report and saw this unknown debt collectors called XXXX XXXX XXXX of which I know nothing about. So I went online and checked who they are. And they collect debts for XXXX companies. But i have never collected any phone or get a contract from these people, so I think it is an identity theft. Please, help me resolve this issue and take it off from my credit account. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23
Company: EQUIFAX, 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:
In XX/XX/XXXX I received I received a phone call from XXXX XXXX XXXX stating that I owe on a {$25000.00} unsecured personal loan as of XX/XX/XXXX. They also said that monthly payments were made against this loan from XX/XX/XXXX to XX/XX/XXXX. I never received any money from XXXX XXXX and I did not make any payments to this SCAM LOAN. In XX/XX/XXXX. XX/XX/XXXX. or XX/XX/XXXX I had received an unsolicited letter from XXXX XXXX that I was preapproved to receive {$25000.00} from them. I did not want to borrow any money from them. I did not fill out any paperwork from them. I then forgot about tnid identity theft loan until the XXXX XXXX phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
GM card, I could not log onto the GM card website to pay my monthly bill, due to a new verification process. I realized I could not find the card. On XX/XX/XXXX, I called customer service to request a new card and pay the bill. I was inform by GM Card ( Capital One ) would not re-issue the card until the account was current. I paid by check over the phone and informed I would have to call customer service back in a few days, after the check was processed. I called back on XX/XX/XXXX and requested a replacement GM card and reported my card lost. At that time I was informed that I would receive the card in 4 days. On XX/XX/XXXX I recieved a Capital One XXXX card. When I called Capital One and spoke to XXXX the supervision, ID # XXXX. She told me a new GM card had been issued but not sent, because my payment had lapsed. I informed XXXX, I do n't receive a paper statement and ca n't log on my account because of the new verification that requires that I enter the security code on the back of the card, which they will not send me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I called Ally Financial Inc today XX/XX/19 regarding a discrepancy with my outstanding balance of my car loan. I advised the balance reflected on my account was {$4700.00} short of what I paid. The representative was agreed with me after doing the math together and consulted his supervisor. He cam back on the phone and proceeded to tell me that because my payments were not made by their due date of the XXXX of the month that they were allowed to raise my interest rate to over 50 %. When I advised that his explanation doesn't sound legal he began to tell me he could no longer help me and disconnected the call.

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 2018-08-23
Company: TRANSWORLD SYSTEMS INC
State: MS
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:
Even though XXXX XXXX and XXXX deleted all of the unnecessary info. XXXX is still reporting a lot of wrong information, and On top of that I sent a police report to them of the identity theft done to me with student loans and they are still claiming that they are mine. Along with other relevant proof to show that the military paid for my entire schooling. And of course the necessary Identification materials. Which hasnt sent multiple times already.Even so all of the accounts that are negative are showing paid and closed And should be taken off anyway for my understanding. Again they are showing wrong/incomplete account numbers and wrong information all together however again I say it isnt relevant Because I sent a police report detailing the multitude of loans used under my name without my permission. Other companies to become included on this complaint are : 1 ) every one that just has finance as the company name and they are three 2 ) XXXX  XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX 5 ) XXXX XXXX XXXX ( XXXX XXXX ) 6 ) trans world system inc 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX 9 ) XXXX XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: AMERICAN EXPRESS COMPANY
State: NV
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 the beginning of XXXX over a three month period my American Express was charged {$2900.00} total in many many XXXX charges that were not mine. I have sent over the 49 page dispute to American Express 3  times and they finally confirmed receipt of it. This has been going on for one year and nine months now. I was only given credit of approx. {$400.00} of the total of {$2900.00}. I have called American Express an additional nine times over the last year and have been told every time its still in process and will be resolved shortly. In the start of this in XXXX XXXX I was told it would take a few months. After 5 months I was told it would take a couple more months. After calling nine times, the last 6 calls I was told they would call me back within 48 hours after the look into it and see why I had still not received the credit. I NEVER have received a call back. I had to pay the full {$2900.00} as this is a platinum American Express and is due in full every month, there are no partial payments. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-09
Company: Merchants Credit Bureau, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Around XX/XX/2017 I had a medical debt removed from my report by XXXX XXXX that did not belong to me. The debt was in the amount of XXXX. I have a credit monitoring service and the same collection has been placed back on my report by a different company called XXXX XXXX XXXX. 

I have no idea who this company is nor have they ever contacted me before placing this bogus unverified debt on my credit report, causing damage to my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
So much is going on and I have been trying to get my credit fixed for so long, it's so much that pops up that I try to get disputed from all three major credit Bureaus ( XXXX, XXXX and XXXX ) as well as other consumer agencies. I have never personally met anyone employed at the companies but yet they judge me and hurt me, my peace of mind and my well being because they deem me to be less than worthy. I'm tired of trying to properly read, understand, dispute everything contained within all of my reports, especially inaccurate, unauthorized information. My name has always been XXXX XXXX XXXX XXXX name is XXXX ) but every time I dispute something because the name is wrong, the amount is wrong, the account history is wrong or does not belong to me, debt has been sold, HIPAA has been violated... they feel that it's ok to defame and slander my name and reputation. Why is it ok for them to practice and perform unscrupulous values, biased beliefs and judgements against me?? I'm tired and I'm frustrated, my mental health is suffering severely in trying to rectify and correct all damage done by their false reporting and distribution of information without my consent, expressed or implied. I don't hate people but I hate that businesses can disrupt reputations and cause adverse effects but it's ok and they get away with it and I'm just supposed to calmly accept it because they want to give it to me. My character, my life, my history and circumstances feel as if this is a form of manipulative XXXX and harassment. Please stop falsely reporting things and accounts that don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX I received a used auto loan from Capital One Auto Finance for {$24000.00}. As I set up my account with the representative using the capital one 360 account I made a payment online which I thought went through, but unbeknownst to me there was a error and the processing which triggered a string of late payments. These were not knowledge to me as I just started to pay through XXXX to have validation. 

In XX/XX/XXXX I paid off the loan in full. As I checked my credit report through all 3 bureaus to make sure that it has been completed as paid I found that these months of reporting along with a repossession were on 1 out of 3 reports. At the time of me paying it off and it full it showed that it had been paid on time for the last 2 years prior to such after everything got sorted out. In addition, once it was paid in full there was a significant amount of time before the title was received. I have not had the most pleasant experience dealing with Capital one auto from a customer service standpoint and hopefully the resolution will change that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I try to have this matter taken of thru XXXX but they say the matter is done thru them. This is about a debt that was made without my knowledge by someone I used to know. Brought a cell phone from XXXX back on XX/XX/XXXX for {$440.00}. She told me back in XX/XX/XXXX what she did, she put down {$150.00} to get the phone in my name which I wasn't aware of. Upon a collection agency trying to collect money from me which started back in XX/XX/XXXX. Said I owned them {$690.00}. XXXX   XXXX which is a collection agency has destroyed my credit and has been calling me all the time. Which I have told them to stop but they haven't. The date and year and amount are all wrong from what the person who did this, showed me a purchase bill last year. She got the phone on XX/XX/XXXX, for {$440.00} and put down {$150.00}. This is not my debt.

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 2018-11-09
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 am set to close on a new home for my family XX/XX/XXXX but when the mortgage company pulled my credit, a delinquent XXXX XXXX 2nd mortgage appeared on my credit with notes stating included into a bankruptcy. This account was reaffirmed in the bankruptcy and I have been making payments since the BK in XX/XX/XXXX. XXXX is reporting the account correctly with no late marks and nothing about being included in the BK. Equifax shows me being delinquent XX/XX/XXXXbut the account was paid in full on XX/XX/XXXX. XXXX does not show the late mark but still shows the account included in the bankruptcy which is not the case. Again i reaffirmed the debt in the BK and have been making payments ever since.

Aslo this is a joint account with my spouse XXXX XXXX and the errors listed above are also on her credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
The company " Transunion Credit Bureau '' charged me {$19.00} for a membership without my authorization. The website doesn't inform you that you will be charged for registering on the website. This company is a completely fraud and wants you money!! You can't hide any cost from people in order to trick them, it's not ethical to do that.

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 monetary relief
Consumer complaint received 2023-03-02
Company: Kikoff Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/ Kikoff suspended my card without any explanation and I just had my paycheck deposited and no one could not help me their only explanation is to send an email. I have bills and I know they cant hold my paycheck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Lockhart, Morris & Montgomery Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Accounts -3 Total amount - XXXX Dates of original service by original service provider - XX/XX/14, XX/XX/14, XX/XX/14 I wanted to make a settlement. We couldnt agree to terms, I was threatened to get sued along with damaging my credit further. Comments where made I wish those payments could go directly into my bank account. 

I didnt know that a debt collector could bring back a payment on your credit report that is more that XXXX XXXX XXXX. 

I never received documentation from debt collector off the accounts owed. I found them on my credit report. After the first call is when I began to receive calls from them but still no information about debt was ever sent by company. I only can view it on 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 2018-02-23
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I feel Iike M & T Bank is trying to unlawfully obtain my signature for the note on my property. They are asking me for my note when I feel they should have had if I owed them. I feel like something is not right. They have been charging this whole time with out ever having the note in there possession.

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 2017-11-08
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just discovered today a hard inquiry from over a year ago. Its origin and relationship to me is dubious and since it is not showing on XXXX XXXX, I am wondering if this could be a security breach on the part of Equifax. I am enclosing a copy of the letter I drafted and sent to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: EQUIFAX, INC.
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:
Equifax continue to report a fraudulent account on my credit report. I have tried numerous times to get them to comply with the FCRA block section but they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: DISCOVER BANK
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:
In XX/XX/XXXX I received I received a phone call from Discover Personal Loans stating that I owe on a {$25000.00} unsecured personal loan as of XX/XX/XXXX. They also said that monthly payments were made against this loan from XX/XX/XXXX to XX/XX/XXXX. I never received any money from Discover Loans and I did not make any payments to this SCAM LOAN. In XX/XX/XXXX. XX/XX/XXXX. or XX/XX/XXXX I had received an unsolicited letter from Discover Loans that I was preapproved to receive {$25000.00} from them. I did not want to borrow any money from them. I did not fill out any paperwork from them. I then forgot about tnid identity theft loan until the XX/XX/XXXX phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: CL Holdings LLC
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Disputes have been filed repeatedly through all 3 bureaus but the response is immediate without any investigation. I have been given only 4 chances to dispute this bill and then I have to call the credit bureaus and force them to file another dispute which usually is returned by the next day as " valid. ''

Company response to consumer: Closed with non-monetary relief