BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have a Bank of America cash rewards credit card. I maxed our my credit limit ( {$1500.00} out of XXXX ) and missed a payment on XX/XX/XXXX. I recently have gone through financial hardship and been trying my best to pay all my payments on time. My Step Father is a XXXX XXXX and he had to quit his job due to XXXX  on his feet, XXXX, XXXX XXXX, and XXXX XXXX XXXX. He's not in a healthy physical condition to work for the rest of his life. Now it's my job to take his place. I'm only XXXX years old and I'm taking care of my family, paying bills, working, and running a business all at the same time. However, I got a new job ( XXXX ) with a company ( XXXX XXXX ) that's paying me XXXX/hour and now I'm financially stable. I've had 1 year, 1 month of on time payments with Bank of America would you guys be able to forgive me and allow me to show you that I am a responsible person this was just unfortunate. This will be my first and last negative remark on my credit card from now on. I'm going to pay off my credit card this week so by next month I'm back to square one. Thank you for 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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-10-02
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have carefully reviewed my credit report in the 3 credit bureaus. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. AMERICAN EXPRESS XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a notice about a savings account being opened under my name on XX/XX/2023. I confirmed with the company on XX/XX/2023 that my information was used to open an account without my knowledge. I had forwarded the emails I received from the company and had the company close my accounts on the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My car was a total lost the insurance company will not help me pay and I have identity theft on my credit report

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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I need to dispute accounts on my record. There are a lot of descreptencies on my report. from XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX and XXXX XXXX. The date active, Date Last used, Last Payments made, and Payment history is inconsistent on all 3 credit bureaus. I would like to get these removed from my account or i will get legal representation involved due to information not being added up accordingly. Thank you and have a great day. 

This account was fraudulent in the first place and nothing was done to help me.

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 2022-10-18
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX Balance : {$0.00} ; STATE ECU XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX OF XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX ; XXXX XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
It appears Cardinal Financial Company is overcharging me on the escrow portion of my monthly payment. I have contacted the company several times, and they have not been able to provide a satisfactory explanation for the additional charges.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 2023-07-19
Company: Veros Credit, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Auto loan purchase in 2018. This loan appears on my credit report and I was made aware of this credit line from a potential lender. I contacted the creditor Veros Credit XXXX and they had no information that aligned with my identity for me to be held liable for the loan. I had no awareness of the vehicle in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I AM GETTING NOTICES THAT EQUIFAX HAS SOME NEGATIVE INFO ON ME FOR PAST DUE PAYMENTS FOR AN ADDITIONAL XXXX  XXXX XXXX ACCOUNT WHICH I NEVER OPENED. THIS INFO IS SHOWING UP WITH EQUIFAX BUT NOT WITH XXXX I WOULD LIKE THIS REMOVED. 
THE ACCOUNT ENDS IN XXXX AND HAS A XXXX CREDIT LIMIT AND PAST DUE AMOUNT OF {$140.00} DOLLARS WHICH I NEVER OPENED

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt is from XXXX XXXX, 2014 -- 3 years and 1 month old. This is a Medical Debt that 1. ) I did n't know existed 2. ) I understand that medical debts are not to appear on a consumers credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX per violation and clearly they violated my rights. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( A ). the information was blocked in error or a block was requested

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
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 information incorrect

Complaint:
Mortgage company XXXX XXXX has reported me delinquent on 2 separate occasions despite being on Covid forbearance both times. This has severely and negatively affected my credit. Once reported the the me through a long cumbersome process despite it being their fault ( twice ). They also insist that I have to make a lump sum payments on the 2 payments that I misses during forbearance despite informing them that I want the payments added to the end of the loan as the CARES Allows. They refuse to do this. 

I need assistance in dealing with this unresponsive and unhelpful mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX Dear Sirs, I have a complaint to file in regards to my XXXX XXXX Line of Credit. I am XXXX XXXX XXXX and until recently had perfect credit, XXXX rating. 

I have contacted the credit agencies as well as XXXX directly with no resolve. 

My XXXX XXXX account is for a security system. A very low monthly payment that was setup with auto pay and my XXXX XXXX credit card. 

In XXXX of 2023 XXXX XXXX without my knowledge canceled the card due to apparent fraud. 
When I found out about this I contacted XXXX immediately, paid up the account and gave new credit card. I asked if I could put an additional card for a backup to make sure this never happened again and they said no. 

I was never contact by XXXX when the card was declined. No phone call, email or text. Instead they just report a late payment and dropped my score XXXX point or more. Several other vendors that I had auto pay with had the courtesy to make sure they notified me. We are are talking about a {$75.00} a month auto pay that XXXX XXXX was in charge of. It is not like I was bouncing checks. 

XXXX said they would contact the credit reporting agencies and explain the situation. It does not look like anything had been done. 

I am extremely frustrated as I have worked my entire life to keep great credit and this without my knowledge is causing a major problem. 

Please let me know when and how we can rectify this. 

Thank you, 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 non-monetary relief
Consumer complaint received 2022-01-17
Company: EQUIFAX, INC.
State: NV
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:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Exeter Finance Corp.
State: ID
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XXXX of XXXX I re-financed and paid the car off to Exeter finance. They lost the payoff check. When found it was past the payoff date. I had tracking to prove that the check was received on XX/XX/XXXX before the payoff date of XX/XX/XXXX. A supervisor approved waiving the difference in the payoff/interest because they had misplaced the check. 

Fast forward to this year, XXXX. I am selling the car and no longer need the extended warranty. XXXX messed up and sent the refund to the old lienholder, exeter. Exeter is now taking out the amount they waived last year from this check they were never supposed to receive. They are also holding the check for a month before sending me the remaining balance. All phone calls and interactions have been recorded and they keep changing their story and now they claim they never lost the check last year but as a courtesy they waived what they waived but its their policy if they get money to unwaive anything they've waived. 

Unethical and Illegal. They were not supposed to receive it in the first place, the car and account has been paid off for over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
last month a credit card reported at XXXX which was over the limit and my overall credit usage was 112 % i made sure to pay before the cycle printed so the account would report below the limit. the card is reported at experian as of this weekend at XXXX balance which decreased my overall credit usage to 68 % but my score is the same as it was when it reported at XXXX and 112 % -- called customer service since i have a subscription and was lied to and told ( ON A RECORDED LINE ) that experian DOES NOT SCORE ME THEY SEND THE INFORMATION TO FICO FOR SCORING AND I SHOULD CALL THEM. I was given a phone number to call fico of XXXX -- if you do not have an ext # you can not speak to anyone so i XXXX  cust svc and was able to get a rep who explained there are many different scoring models and without accessing my report she could give me general info -- i told her experian uses fico 8  gave her the information and she stated that a drop in credit usage that significant should have yielded a change in score across almost ALL models -- especially Fco 8 -- and that the rep at experian lied and should not have told me to call them because they should have been able to provide me accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: T.S. Holdings
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent several demands for validation of alleged debt but the creditor fails to respond and lawfully validate the debt they are illegally reporting. Then after I filed a dispute of alleged debt, the creditor damaged my credit even more by reporting the alleged debt twice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am having a debt appear for a XXXX insurance bill that has went unpaid, however, I have never had XXXX I have ever only used XXXX XXXX for my insurance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2023-07-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Dear Consumer Financial Bureau, On XX/XX/XXXX we mailed a business check to a vendor of ours for a total of {$21000.00}. On XX/XX/XXXX our vendor informed us that they never received the check, however we noticed on the online banking portal that the check was cleared and that the name of the payee was changed to a company that we have never worked with or heard of. 

We immediately contacted Chase bank which is the bank that we used under this checking account and filed a claim XXXX XXXXXXXX. We also filed a police report with City of XXXX Florida police dept. and the post office police. 

The fraudulent check was cashed at XXXX XXXX XXXX and as of today XX/XX/XXXX they have not refunded the money back to our Chase checking account. 

We have contacted Chase bank on numerous occasions in reference to this claim and they say that XXXX XXXX XXXX has not responded to the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To whom it XXXX concern, To start I am a veteran, and what this looks like is veteran benefits fraud. I have had my benefit coming to a prior bank for 17 year. Then I stop it from depositing in my account because of negative withdrawals. The mental health placed the deposit in TD Bank under another woman 's name. And from the time the account was open I have not got a print out of all the deposit and withdrawals to the account. They, the phys and the woman calming to manage the account for me. Seem to be hurting me some more than helping me. At times the woman is not even cooperating with me about me getting my money out to manage my life. The latest thing is that I paid my taxes and filed recognizing that now I need to pay more. Unfortunately, they don't want to give the balance. The taxes paid reflex 's the amount of Va benefits I receives. The money is used to manage my life with my daughter and my expenses. Now I in line to go back to work minus the complication. Please help! 

Very Respectfully XXXX XXXX

Company response to consumer: Closed with explanation