BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-01
Company: EQUIFAX, INC.
State: TN
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 contacted and notified all companies involved : XXXX XXXX, Equifax, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX of the fraudulent account ( s ) reflecting on my credit report. The credit reporting agencies continue to send frivolous responses and reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
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: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX. 
Company Inquiries XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-15
Company: Exeter Finance Corp.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
my name is XXXX XXXX. I got a car loan from Exeter finance company, then my bank XXXX XXXX XXXX XXXX did a refinace on my XXXX XXXX XXXX. they sent Exeter finance a payoff check on XX/XX/XXXX. Exeter said the payoff check was sent the wrong address so they did not due the refinance, also with that check was the monthly payment for the car for XXXX Exeter cashed that check. we got the right address and sent another check on XX/XX/XXXX for a payoff without even receiving the first payoff check back.so i was told by one of the Exeter employees that the payoff check an another montly payment checks was received but by the mount of the payoff check being so large it took days to process but they processed the small one for the monthly payment. so a few days later i contacted exeter employees to see if the check was cleared and they said yes and that some how i still owe an XXXX dollar balance the XXXX was paid and i was told that everything was good the refinance was good. One week later i got a phone call from exeter saying that i was late on my monthly payment. I told Exeter that it was not possible that i was late due to the refinance i was not with them anymore and they said they didnt have any of that information about a refinance on file. they also said they received a second check. I really need a answer Asap because im also paying my bank for the refinance for two months now. i cant afford to keep paying exeter extra money.for two months they have took extra money from me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Sign Cash for keys processing faster. I 'm ready clear house. And I 'm waiting for bank to check the house. They give me a dead line.XX/XX/2017. But I need them to come and check the property. I CANT LEAVE TILL I GET MY CHECK.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: AMERICAN HONDA FINANCE CORP
State: NY
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 least a vehicle going back in XX/XX/XXXX They claim I had left a balance of {$550.00} and I requested documentations and I never received it I filed a dispute with XXXX XXXX and with Honda financial services to remove my derogatory Item on my credit report I requested document ations from them why they claim I owe them {$550.00} but with no success they never sent me out any documentation regarding that charge

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
It has been well over 15 days since I have spoken to someone in the Fraud Department at BOA. Last Thursday - I got a phone call from a person of BOA - Stating there is still nothing they can do. 

After myself I am reaching out to XXXX and XXXX XXXX to find out if anyone else has noticed fraud activity with these accounts money is being sent to - Both banks are requesting XXXX XXXX   from BOA. They are not responding to any type of phone calls or emails regarding my claims.

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 2018-10-08
Company: Experian Information Solutions Inc.
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:
XXXX XXXX client XXXX XXXX is a victim of identity theft ; his information was used without his consent to apply for several credit lines. While these application failed the process resulted in fraudulent inquiries into his credit reports. While reviewing an Experian credit report an inquiry was found with XXXX XXXX XX/XX/2018 that was an unauthorized transaction. An official dispute of this activity was mailed to XXXX XXXX to have this information removed. While a clearance letter dated XX/XX/2018 was received and confirmed the inquiry was going to be removed at a future date, a review of a credit report ordered XX/XX/2018 still lists the XXXX XXXX information be Experian. This is a violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08
Company: AMERICAN HONDA FINANCE CORP
State: NV
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:
We filed Bankruptcy XX/XX/2018 due to a large lawsuit against us. Prior to that we had very good FICO scores and we pay our debts on time NO Later payments. We reaffirm our loan with Honda Financial Services and now the account is completely missing from the credit report ; but we are still making payments and not getting the credit. I spoke to Honda Financial Services and said it is a new thing there doing for those who filed a BK. Is this legal not to report payment history?? When we have a loan with them? 

Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-15
Company: Service Finance Holdings, LLC
State: MI
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:
Institution Information Service Fin XXXX XXXX, FL XXXX ( XXXX ) XXXX I applied for Fiance with a window company and they selected this company as my lender. This lender ran 2 hard inquiries on my credit report, which in turn, lowered my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: EQUIFAX, INC.
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:
Equifax XXXX & XXXX have added fraud alerts to my credit report without my requesting it. This is a violation of FCRA regulations. Without my phone number this alert is useless and it was never requested or given ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: CITIBANK, N.A.
State: PA
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:
On XX/XX/2018, CBNA inquired into my XXXX and XXXX  credit files without my authorization. They have refused to delete these despite my repeated requests for them to do so.

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 2020-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was scammed for {$3400.00} on XX/XX/2020 from my checking account. I received a text message that day from XXXX saying that someone was buying an XXXX for {$760.00} on my account to call customer service immediately, so I call the number provided # XXXX. I told the customer service guy the situation and we had gotten disconnected. He called me back from # XXXX and said he was going to fix the problem. He had me go to my XXXX and download an app called XXXX XXXX. He was able to take control of my phone and had me go to my XXXX then had me go to my banking app. He assured me these were the steps to take to get my money refunded. He went to my XXXX and ended up sending 4 transactions in a matter of minutes. Three were for {$760.00} and one for {$1200.00} sent to the name XXXX XXXX with the email XXXX. I've used XXXX maybe 4 times and never in huge amounts of money like that. When I realized I was being scammed I immediately hung up on him, uninstalled the app and went on my Bank of America app and froze my debit card. Then I called the fraud dept at Bank of America and told them exactly what happened. I filed a fraud claim and they assured me I'd get my money refunded within 10-45 days. They froze my checking account, I cancelled my debit card and  changed my login info ( username and password ). I opened a new checking account. On XX/XX/XXXX the scammer wrote a check for {$6900.00} to XXXX XXXX XXXX with my name and address and forged my signature. I called the Bank of America fraud dept and notified them of this and they just said since it's from my frozen account he won't be able to get that money. On XX/XX/XXXX the scammer wrote 2 more checks with my name and address on them to the same place XXXX XXXX XXXX for {$2800.00} and {$3100.00}. I called the fraud dept again and filed another claim. They just said he can't cash them since the account is frozen. I've never had checks since I've been a member of BOA and I've never spent any amount of money close to those high amount 's. On XX/XX/XXXX I received an email from BOA saying my claim was denied because my phone device that I use for online banking was used, even though I told them he took control of my phone. I've never scammed before or in a situation like this. I thought this guy was with XXXX customer service and helping 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 explanation
Consumer complaint received 2018-10-08
Company: Advantage Collection Professionals, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a call at XXXX on XX/XX/2018 from Advantage Collection Pros at my place of employment. I politely asked if she would not call me on my job. She told me I have a bill of XXXX (? ) and I told her it would come out of my account on Friday and please not call my job, please send me correspondence, she said : we did, in XXXX. I said again, please dont call me at work and she said I will call until the bill is paid and hung up on me. 
This upset me that she was so rude and just hung up! I called the company back at XXXX on XX/XX/2018 and I spoke with somebody and she said that my account indicates not to be contacted at work. I asked her to review the conversation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX Credit Card Services conducted an unauthorized credit check when my wife added me to an existing account. I received my credit card today and discovered that my social security number and phone number is not associated with this account but there was a hit to my credit score on the day that I was added to the account. Under this scenario my credit score was reduced due to this unauthorized inquiry but I have no way to redeem my credit score since XXXX will not be reporting the on-time payments that I make on behalf of my wife ( primary card holder ). I am responsible for paying the family bills.

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 2018-04-10
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter today from my mortgage company, Cardinal Financial Company, telling me that " their records show my homeowners insurance expired, and we do not have evidence that you have obtained new coverage ''. This is total XXXX XXXX. My coverage has renewed as expiring. There is absolutely no reason for them to have any " records '' that show my coverage expired. This is called " forced placement insurance '' and its one of the biggest scams in the U.S. financial industry. Tell these XXXX to do their jobs and get my insurance information from my insurance company or my agent. And please investigate and sue the XXXX out of all of the mortgage company criminals and end forced placement insurance.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
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 11 inquiries on my report that are a result of ID theft. All these inquires showed on on my report in XX/XX/XXXX with out my knowledge or consent. I need to have these items removed immediately. I have file complaints with the FTC and local law enforcement in relation to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
My account was charged 5 times by a company XXXX XXXX. I only authorized them to charge once. I reported this timely to American Express within 60 days, American Express refuses to remove from account without any basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I am trying to close a Bank of America Credit Card. There is no way to do so through the website. When I called the customer service number on the back of my card, I was on hold for 55 minutes before a rep answered. I was then transferred to a different rep who could not resolve my issue. 

Furthermore, I had signed up for recurring payments. I canceled recurring payments several times beginning three months ago. Bank of America continues to withdraw {$400.00} per month including on XX/XX/2018.

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 2020-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
acct listed as closed for fraud but thats not my social attached to file. XXXX bank  of america and they were unsble to locate any accts under my social.

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 2018-10-08
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this account with the credit bureaus in the past and it was deleted and now this debt was recycled and purchased without any proof that alleged debt is mine.Sending a bill is not proper validation that i owe alleged debt nor my signature can be verified.Please delete negative information off my credit report or i will have my attorney from XXXX XXXX XXXX in XXXX, Fl to seek damages for defamation.

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 2018-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
XXXX XXXX, acct. no.XXXX  is wrongfully appearing on my XXXX   TRANSUNION AND XXXX  credit bureau reports.The problem is that the collector works for XXXX , the original creditor.XXXX has multiple collectors working for them. 
When this same fraudulent debt was put on my reports earlier this year, the account was deleted by all 3 bureaus.I have attached evidence showing that the previous collector XXXX XXXX XXXX., acct. no.XXXX was deleted by all 3 bureaus. 
What is underhanded and probably illegal is that XXXX fails with one collector due to a fraudulent debt and merely hires another to collect the same debt, wrongfully damaging my credit again. 
ONCE AGAIN ... I have never had a XXXX ACCOUNT, PHONE OR TELEPHONE NUMBER.THE email address on the first collector 's debt validation, associated with the XXXX account '' XXXX '' has never had anything to do with me and I don't know whose it is.

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 2021-02-10
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was FORD MOTOR CREDIT COMPANY customer since 2019 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account ( XX/XX/2019 ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
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: Their investigation did not fix an error on your report

Complaint:
The item on my credit report, XXXX XXXX XXXX, which is a revolving credit account that has been closed, is inaccurate because the current balance of {$300.00} should now be updated to {$0.00} balance, due to a settlement agreement ( please see attached copy of settlement agreement and terms ) which I have complied with all stated requirements in agreement. The settlement agreement states that I am to pay {$250.00} on or before XX/XX/2020, to collection agency XXXX XXXX XXXX , XXXX . who represents XXXX XXXX XXXX for the debt owed. Additionally, I was to sign and return original settlement agreement to collection agency XXXX XXXX XXXX , XXXX . 
I made payment for {$250.00} on XX/XX/2020, ( please see attached proof of payment with date ) and have signed and returned original settlement agreement to address listed on paid postage envelope provided by collection agency XXXX XXXX XXXX , XXXX . that represents XXXX XXXX XXXX ( please see attached settlement agreement copy that I have provided for record ). 

I have been unsuccessful with disputing and having the balance updated to reflect {$0.00} with all three credit bureaus ; XXXX, Experian and XXXX. I have also reached out to XXXX  over several months and they still have not corrected what has been reported to credit bureaus. They show my payment I made but have not complied with the settlement agreement with collection agency representing them. I have included the settlement agreement and letters sent to credit bureaus, this after several attempts to dispute remaining balance on my credit reports and reaching out to XXXX  over several months.

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