BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-10
Company: CBC Companies, Inc.
State: AR
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:
MY XXXX XXXX ACCOUNT IS OPEN AND I HAVE BEN MAKING PAYMENTS, THIS ACCOUNTT IS REPORTING IN BANKRUPTCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, 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:
Recently, I did an investigation on my creditr report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report under 15 U.S code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was abruptly closed on XX/XX/XXXX. I didnt find out until I tried to access my account and I had my direct deposited check from my job sent to that closed account. I called Citibank and they told me Id have to wait until the closed account is finalized on XX/XX/XXXX and my check would arrive by mail 5-10 business days later. I called back XX/XX/XXXX and they told me it will definitely arrive between XX/XX/XXXX and XX/XX/XXXX so I wait it out and I call back and tell them I still have not received it and they sent a request to have it reissued and expedited. I spoke with 7-8 different supervisors and have gotten a different answer each time. They will not tell me whats the hold up or the estimated date I can expect to receive my money. It is XX/XX/XXXX and I still have no answers.

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 2022-11-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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  Date opened : XX/XX/XXXX Balance : {$710.00} XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$520.00} ; XXXX XXXX XXXX  ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX opened : XX/XX/XXXX XXXX : {$500.00} ; XXXX XXXX XXXXXXXX ( Original XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$340.00} ; XXXX XXXX XXXX  ( Original creditor XXXX XXXX XXXXXXXX XXXX. ) XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX  XXXX XXXX ) Date opened : XX/XX/XXXX Balance : {$370.00} ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX ; XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXXXXXX XXXX XXXXXXXX : XXXX. XXXX, XXXX ; XXXX XXXXnquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXL Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX XX/XX/and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2019-04-16
Company: John C. Heath, Attorney at Law, PLLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I was contacted by Lexington law firm to repair credit, two months ago, they, said that XXXX, for one time payment, .then it went to a XXXX, one time payment.they were suppose to send letters out .3letters in all, then called for XXXX a monthly fee to build credit,. 
Then I got call from my debit card holder, MasterCard, they suspended my card, because of suspecious activity .The rep. Told me they have been having major problems with XXXX XXXX, do not use them .I am enrolling in XXXX a my financial aid has a problem, and I only have till XXXX to get tis straight so I can attend an receive help financially, They led me here, so I hope this will help get me started on my edu an future. I thought I was. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
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:
Hello, I am in the middle of purchasing a new home. For some reason, my mortgage lender wanted me to pay off my lease. Last Tuesday, XX/XX/XXXX, I submitted a payment in the amount of the final two months owed through the Hyundai Motor Finance website. I called their phone number at XXXX because I was told the account was not showing as closed. I was told by the representative that they saw the amount was received and my account showed a XXXX  balance. They said to look again the next day ( Friday XXXX ) and my credit report would be updated. Between Friday and today ( XXXX ), my credit report showed the account as still open. Two calls to Hyundai and they claim they held the XXXX payment in reserve instead of paying the account. Attempts to get even an unofficial closing letter were denied and now I may not be able to get my mortgage on time because Hyundai lied to me last week. I will never used Hyundai again. They are dishonest, do not care about their customers and are unwilling to correct their mistakes.

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 2019-11-01
Company: Ocwen Financial Corporation
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Around XXXX I received a letter from XXXX ( A XXXX XXXX Company ) offering me a loan modification to increase the term of my loan to 40 years which would reduce my monthly payments making them more affordable and helping me avoid foreclosure. I called them and accepted their offer and made the 1st of three trial payments that were required under the terms of the modification. During that same month I receive a letter letting me know that the loan was being sold to PHH Mortgage and as of XXXX I would need to deal with them. I called that company during XXXX to ensure I made the 2nd required trial payment. It wasn't until XXXX that I was able to make the 2nd trial payment. However, during that phone call, the representative attempted to confirm payment of the previous loan payment amount, but when I was asked to confirm the amount and give my permission to run it, I informed them the payment amount was not correct. They fixed it, asked me to confirm the amount, and I confirmed the updated amount was correct and gave my permission for them to run it. The call ended with the representative taking my phone number to have someone from their company call me to discuss the loan modification made by the previous loan company. The next day, XXXX, I checked my bank account to find that they had no only run the correct payment which I confirmed and approved, but had also run the incorrect payment which I did not confirm nd approve. So I called them about it and they said they could possible credit the account but it would take up to 5 business days and they would most likely send a check if it were credited. I live pretty close to even and having a bank account that was in the red for around {$800.00} at that point meant I would have to pawn property, borrow money, etc. to buy gas, food, pay other bills, and generally make ends meet until a credit was approved and a check was mailed and received, if they actually approved the credit in the first place because they couldn't even confirm the loan modification was made to my account as agreed to by the previous loan company. In the end, the only way I could stop the payment was to have my bank reverse it which cost me money to do.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-25
Company: EQUIFAX, INC.
State: LA
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:
After many tries to deal with this situation directly with the companies and credit bureaus to no avail, Im submitting this complaint in accordance with the Fair Credit Reporting Act These accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX ending in XXXX Account name : XXXX  XXXX # XXXX ending in XXXX Account name : XXXX XXXX  # XXXX ending in XXXX Account name : XXXX # XXXX ending in XXXX Account name : XXXX # XXXX ending in XXXX Account name : XXXX # XXXX ending in XXXX Account name : XXXX # XXXX Account XXXX : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX *The above numbers may differ from actual records 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 States a consumer reporting agency can not furnish an account with my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information, adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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 cash advances

Complaint:
Bank of America ( the bank, hereafter, BoA ) posted and reflected {$7600.00} on my ( hereafter, customer ) account as available for use on XX/XX/XXXX, this turned out to be a fraudulent payment. On XX/XX/XXXX, a {$2400.00} cash advance was withdrawn at BoA financial center located on XXXX XXXX XXXX, XXXX, VA XXXX, this was after customer enquired and a BoA representative advised that the money was available. Of the withdrawn amount totaling {$2100.00} was sent to the fraudulent paying party via XXXX XXXX. See attached receipt. The remaining {$240.00} was also used towards fraud related purchases. On XX/XX/XXXX, BoA posted {$7600.00} as unpaid. Customer reached out to BoA reporting a fraudulent payment on the account and lodged a complaint to the bank for negligence and failure to advise. It is now apparent that the funds had not fully processed when the bank advanced cash. Customer requested BoA to credit the account of lost dollars and all fees related. Please review my account and subsequent phone calls to the bank regarding the matter. BoA was fully advised about the fraudulent activity on customers account. Two credit cards, Saving and Checking accounts were closed down and BoA re-issued new accounts. BoA, however refuses to credit back the {$2400.00} plus the credit card cash advance fee, {$120.00}, interest on bank cash advance fee {$XXXX} and any other fees related to the fraudulent activity.

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 2021-07-27
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been in contact with MyFedLoan regarding my loans and the TEPSLF program for over 8 months and nothing has been resolved. I have over 3 years of payments from a previous loan servicer ( XXXX XXXX ) that would qualify as a 'qualifying payment ' under the TEPLSF program, but MyFedLoans is not counting them because they are in a " pending manual review '' status. I have been requesting them to review these paymentss since XXXX and nothing has been done. I just keep getting the run-around from customer service. If they would just review these payment, I know I would qualify for loan forgiveness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-16
Company: LCO Financial Services, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
Online loan on XX/XX/2019 for {$800.00} and have paid {$850.00} at $ XXXX since that occurs on payday. They said I still owe {$850.00} if I pay off today. 

I found on Maryland web site that payday loans are not legal in my state. The rep I spoke with vas VERY demanding and said this is not a payday loan even though their website says it is. 

PLEASE HELP! Any advise you can give would be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I just called to activate my new XXXX XXXX credit card from XXXX XXXX and the representative told me on the phone that my account was closed and a letter will be sent in the mail. This has never happened before and I am completely embarrassed to have been treated this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Chapter XXXX Bankruptcy Reference # : 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 2019-11-01
Company: TD BANK US HOLDING COMPANY
State: CA
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:
XX/XX/XXXX - Charged by Target for a return payment fee ( {$28.00} ) XX/XX/XXXX - I called into Target Customer Service who said the payment was withdrawn from an old bank account. I let them know that the account it was withdrawn from had been closed almost a year and I had made subsequent payments on my Target credit card multiple times from the correct/active bank account. They could not tell me why the payment was drawn from my old bank account. The Supervisor I spoke with asked that I log into my account to delete the old bank account - when I logged in and told her it was already removed, she told me that they had removed it already for me. I asked how I could be refunded the return payment fee and she said that it could only be removed if it was a processing error on their end. They were not able to tell me why this didn't constitute as a processing error or why it had been withdrawn from an old account. Since they were not able to refund the return payment fee, I elected to cancel my credit card immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX am trying to avoid filing bankruptcy. Previously by writing to my creditors I explained my personal situation, where another person I trusted ran up my debts without my knowledge. I could have filed for bankruptcy earlier this year, but have decided to try another avenue. I seek settlements of the debt posted in this report for 20 % of the charged off amount with terms. Accordingly, I would appreciate a quick response as I will agree to settle these collection as they are accepted. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I am a victim of identity theft. I saw on my Experian credit report. An fraudulent inquiry. This inquiry was from XXXX/XXXX. XXXX /XXXX looked at my credit report with out my Permission or knowledge. Experian aloud them to do it. They did not call or block them at all. After I contacted XXXX credit card. They lied about it. I emailed them so I can prove that they did in fact looked at my credit report. I emailed them to find out how they got my information and why they looked at my credit report. In the email it stated they cant fine an account or Application. But there is a fraudulent inquiry from that company on my credit report in inquiries. Then I get an email from them. The email from a PDF says that they could not issue me credit or look at my credit report bc the information could not be verified they are now lying. So they did in fact looked at my credit report! Experian needs to take this inquiry off my report bc its a fraudulent inquiry

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 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Please see the attachment below as it clearly states my complaint

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 2019-11-01
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts 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, ( Original Creditor : XXXX XXXX, ( Original Creditor : XXXX XXXX, ( Original Creditor : XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief