BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I don't even know how to start because I'm trying to get this resolved since XXXX. Bank of America inaccurately reported a 30-day delinquency in this credit card account ( closed now ) back in XXXX. I had no idea about this information until I got my XXXX credit reports and right after I requested to open an investigation. I spoke probably to more than 50 supervisors ( I'm not kidding ) and I lost count of how many regular people from customer service who had no clue what they we talking about. Usually I spent an average of 1.5hrs every time I called Bank of America . 95 % of the supervisors could tell that this investigation was already closed/resolved back in XX/XX/XXXX HOWEVER, for some reason BOA has never done or submitted any requesting to adjust the wrong information. 
I have never been so XXXX  in my life. For years my credit score has been hurt, not even my mistake but others who don't care at all. BAO for a while blamed the credit report agencies for not updated the adjustment, that according to them was sent a lot of time before. I spoke to ALL the agencies a lot of times ( phone and letters ) and they never received ANYTHING from BOA. BOA lied to me every single call, ALL supervisors promised at the end of the calls that this is now resolved, they promised to give me a call back, they promised to expedite and resolve this inquiry. Honestly they don't care at all and they don't do anything. The last time I spoke to this supervisor, she promised that this case will be fix in 3 business days and she also promised a call back to follow up. ALL XXXX. At this point I really hope that this complain can help me. 
I don't know what else I can do and I need help. I have never missed one payment on ALL my accounts this is totally a XXXX. I'm tired of being 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 2020-08-23
Company: Experian Information Solutions 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:
I have experienced identity fraud in the past and have made countless attempts to prove that things weren't acquired by myself and thought those things were corrected. However as I reviewed by credit report I see that the very things I thought I did away with found its way to my credit history which I believed to be impossible. I recently inquired about a car and was denied and hired an attorney to educate and consult with me about this matter and to know that my identity has yet been used time and time again to get whatever these frauds wanted at their own disposal was just mind boggling. I don't understand how or why creditors does not have an identity verification process to prevent such fraudulent activities! I need these items removed, simply because I did not consent for any of these false items nor did I inquire about them!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
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:
I have experienced identity fraud in the past and have made countless attempts to prove that things weren't acquired by myself and thought those things were corrected. However as I reviewed by credit report I see that the very things I thought I did away with found its way to my credit history which I believed to be impossible. I recently inquired about a car and was denied and hired an attorney to educate and consult with me about this matter and to know that my identity has yet been used time and time again to get whatever these frauds wanted at their own disposal was just mind boggling. I don't understand how or why creditors does not have an identity verification process to prevent such fraudulent activities! I need these items removed, simply because I did not consent for any of these false items nor did I inquire about them!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: CarFinance Capital LLC, Irvine, CA Branch
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called and I am unable to get through a live person due to the fact I dont have an account with this company and I never authorized for my credit to be ran XXXX Date Filed XX/XX/2017 Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX 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 2021-03-27
Company: FORD MOTOR CREDIT CO.
State: HI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I leased a vehicle from XXXX XXXX XX/XX/XXXX, financed with XXXX XXXX. XX/XX/XXXX was the lease end and dealership gave me options to buy, sell or re-lease. I chose to re-lease another vehicle same day I returned the XXXX car. I payed {$990.00} as down payment and had a new lease starting XX/XX/XXXX. I would have never re-leased another car if I knew I had to pay {$13000.00} for returning the XXXX car. I payed it every month and did not miss a payment. I do not know where this amount is coming from. It states about {$4000.00} was written off and I owe the remaining balance? I do not owe anything on that XXXX car. I re-leased another car and that was the deal I chose when I returned the XXXX car and the lease for that car ended. I have disputed this with the debt collection companies for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: Wallace Management Company, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had a personal loan at State Finance in XXXX, IL, which is affiliated with Wallace Management. I always make my payments on-time ( within the 10-day grace period ) and most of the time I always paid extra. I was wanting to pay off this loan early, so when I spoke to the representative on the phone on XX/XX/XXXX or XX/XX/XXXX I asked what the pay-off amount would be as of Friday, XX/XX/XXXX. I said I would have to drop it in the night drop on Friday, XX/XX/XXXX after work as they would be closed by the time I got back into town. The representative provided me the amount and stated that would be fine. I received a call today, XX/XX/XXXX, stating I still owe them {$10.00} for a late fee. 
When I asked what the late fee was for they told me that my payment did not get processed until today ( XX/XX/XXXX ) since they decided they were going to be closed on Saturday, XX/XX/XXXX. I asked when they decided they were going to be closed on Saturday, XX/XX/XXXX and the lady stated they made that decision on Friday, XX/XX/XXXX around XXXX XXXX I am not sure how I was supposed to know that as they did not contact their customers to let them know. She stated there was nothing they could do about the {$10.00} late fee since it was " out of their hands. '' This could very well be out of their hands ; however, it should be management 's responsibility to provide appropriate customer service to the customers. When I told the representative I wanted to contact management, she stated they would not do anything and the only thing they would say is that technically my payment was due on XX/XX/XXXX so I should have had it in there then. They stress to you when you take the loan out that you have a 10-day grace period. If loan payments are due on the actual day, they should not offer a grace period. I know this is only {$10.00} ; however, there is a principle here. As much as I would like to be, I am not clairvoyant, and I do not think any of their other customers are either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: EQUIFAX, INC.
State: VA
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:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the pass. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
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: Information belongs to someone else

Complaint:
I have experienced identity fraud in the past and have made countless attempts to prove that things weren't acquired by myself and thought those things were corrected. However as I reviewed by credit report I see that the very things I thought I did away with found its way to my credit history which I believed to be impossible. I recently inquired about a car and was denied and hired an attorney to educate and consult with me about this matter and to know that my identity has yet been used time and time again to get whatever these frauds wanted at their own disposal was just mind boggling. I don't understand how or why creditors does not have an identity verification process to prevent such fraudulent activities! I need these items removed, simply because I did not consent for any of these false items nor did I inquire about them!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called and I am unable to get through a live person due to the fact I dont have an account with this company and I never authorized for my credit to be ran XXXX Date Filed XX/XX/2017 Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called and I am unable to get through a live person due to the fact I dont have an account with this company and I never authorized for my credit to be ran XXXX Date Filed XX/XX/2017 Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: TN
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:
i have an issue with XXXX, my credit score was lowered by 6 points because of a credit card that i never had. I called the bank that had placed my name of the credit card " Pinnacle Bank " and they said they would fix the issue because it should have never been on my credit report. I never filled out any paperwork asking for the credit card and they said they do not know how it happened. They said it was resolved. Well it is not, i saw on my credit report that the dispute was resolved and the case is closed. IT IS NOT CLOSED. It has lowered my score and it is not fair to me as the consumer. i am requesting that you resolve this issue and give me back my high credit score. it is truly hurtful when a person has to constantly prove that they did not do anything and you all ask like it is nothing. If it were you wouldn't you like your credit reinstated ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
According to the FCRA a company can not publish an inquiry on my report without my written consent. The following dates are inquiries on my report that I haven't submitted a written consent to : XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXXXXXX 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 2018-12-12
Company: Ad Astra Recovery Services Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Per review of XXXX credit report from XX/XX/2018 I discovered a payday loan account that I had no knowledge of and a validation letter was sent out requesting more information. On XX/XX/2018 I reviewed my credit report again and noticed that the account was updated to reflect as disputed however requested validation information had never been received and a 2nd validation letter was sent out. On XX/XX/2018 credit report was reviewed once more and the account remains on my credit report, affects me negatively and I still have not received any validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX  XXXX XXXX, Loan XXXXPayment Sent XXXX, {$1500.00}. Payment Deposited XXXX Loan was sold to Pennymac loan # XXXX. 
XXXX  XXXX XXXX states this payment was forwarded to the new servicer, Penny Mac via wire transfer XXXX. 
Penny Mac has not credited the payment to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: RoundPoint Mortgage Servicing LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Round Point Mortgage XXXX NC XXXX I have mortgage with them escrow account also. 
My Flood insurance was not sent to the right address for XXXX in XXXX, the check they made out was the incorrect amount also and it is lost and they have not corrected issue and put money BACK in my escrow account I made the payment to fema and have doc. to prove which was faxed to them by fema. amount owed to my escrow account is XXXX the check they made is # XXXX. 
My homeowners was sent to the wrong address also and it still has not been received to XXXX XXXX amount XXXX. from my escrow acct. 
I am going to XXXX XXXX today to pay XXXX so it is not cancelled. 
I have called Round Point customer service almost daily to get resolved they have not as of today fixed this issue. I would like to get answers on this. I am refi-ing to get away from them and do not want to lose over 1500. in escrow due to their negligent behavior thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a promotional balance offer from Barclays in XX/XX/XXXX, 0 % promotional APR through at least XX/XX/XXXX with a 3 % fee where the transaction must post to my account by XX/XX/XXXX ( copy attached ). I called in to their call center and processed a balance transfer under this program on XX/XX/XXXX. I just noticed on my recent statement that they are charging me 19.99 % where it should be 0 % through XX/XX/XXXX ( copies attached ). Please note they also charged me the 3 % on the {$11000.00} for the promotional fee. When I called their call center, on XX/XX/XXXX, and told her I had the offer letter in hand and read it to her and I told her she could also refer to the call center recordings, they told me that the offer had expired. I again told them that the offer was good until XX/XX/XXXX and I processed this on XX/XX/XXXX and they even charged me the promotional balance 3 % fee. The call rep then put me on hold multiple times for no reason, without notice, in the middle of me talking to her and finally I was cut off when they just forwarded me to a payment option.

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 2019-03-06
Company: Real Time Group, Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In the Year 2009 XXXX first I lost my home to foreclosure and the fist mortgage was settled and home was sold. XXXX XXXX forgave the balance of the loan How ever there was a 2nd mortgage and as of XX/XX/2009 there was never a payment on the XXXX. 

Now ten years later I get a bill ( Inclosed ) from Real time solution in XXXX Texas, XXXX. XXXX XXXXXXXX XXXX Texas, XXXX.I sent them a letter ( in closed ) informing them of the Statue of Limitations has passed but they say no! 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: EQUIFAX, INC.
State: RI
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 been disputing this collection on my credit report for months now. It was removed from transunion and XXXX but has not yet been removed from my Equifax report. This is catastrophic to my credit as it shows a much lower score than my other credit scores because of this collection. It also could be considered a form of defamation as it is looked upon negatively when I apply to places that pull that report. This is unbelievable and you can look at my previous complaints regarding the matter. XXXX XXXX has been sent all necessary information to dispute this situation and they are impossible to get someone on the phone with to discuss the matter. They just keep transferring and transferring and asking for more information when they are the ones that should accurately be keeping information. I will not pay {$90.00} that is not mine to pay. This is ridiculous and I'm getting fed up. Please investigate this company and the collections companies they are using. Anyone else they are probably out there paying for things that aren't even theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: TD BANK US HOLDING COMPANY
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:
been battling XXXX and id theft for more than 7 YEARS NOW I DONT KNOW WHAT TO TO ANY HELP WOULD BE GREATLY APPRECIATED FILED FTC, POLICE REPORT TO XXXX AND XXXX COUNTY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
upon checking my credit report i saw a XXXX Account with a XXXX dollar amount which has been closed and has that balance and i haven't opened a XXXX account let alone acquired a balance of XXXX for anything. whoever stole my information used it to open a XXXX account and upon my investigation i see where there is no monthly account information where any payments have been made, but of course not it was stolen information so they wouldn't pay and that's what i have been trying to point out to the Credit Bureaus

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