BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have had a visa credit card account with Bank of America for 18 years. On XX/XX/2018 for the first time ever, I noticed fraudulent charges on the account for a total of {$330.00} by two companies XXXX & XXXX XXXX XXXX. I reported this to Bank of America, my credit card number was closed out and a new number issued. The fraud claim was investigated by Bank of America and the charges were credited back to me. On XX/XX/2018 I noticed new fraudulent charges from XXXX  again for {$100.00} ( note that I have never used this vendor for any services ) and after calling Bank of America I was told that the reason I am charged again is b/c both Bank of America and XXXX participate in a program offered by Visa  called " VISA XXXX XXXX '' where the bank automatically transmits new credit card numbers to Visa and Visa transmits it to vendor ( in this case XXXX ) to avoid disruption in subscription/service if a customer 's credit card info on-file changes. So instead of a customer directly calling a vendor to update his/her credit card info, Bank of America automatically does this service, WITHOUT giving the customer an option to opt-out of this service. In my case, the unfortunate situation is that someone fraudulently used my credit card information to open 6 separate accounts with XXXX and even though I closed that card number, Bank of America keeps transmitting my new number to Visa  and Visa to XXXX. Many financial institutions ( XXXX XXXX and credit unions for example ) do offer customers an aption to " opt out '' of " XXXX XXXX XXXX '' but Bank of America refuses to offer this option. This practice is not fair to consumers and in cases of fraud, like my situation, can result in fraudulent subscription accounts getting funded indefinitely unless the victim of fraud is forced to close his/her account with their credit card account holder. Bank of America also refused to block this particular vendor so future charges no longer appear simply b/c I did not authorize the charges to begin with since they are fraud charges.

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 2018-11-10
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Transworld Systems is fraudulently reporting on my credit report in the amount of {$1100.00} account # XXXX * Were you named on the original contract with the original creditor? 
* If not, do you have a contract between your company and me, signed by both parties? 
* If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving your information to a 3rd party without your knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition?

* Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me?

It is part of my full disclosure to you that I require a response and lack of receiving what is requested or demanded from you proves I owe you nothing. I also didnt find that this company has a valid license, bond, and certificate of authority in the state of Arizona.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I received a bill for XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX, XXXX XXXX Ending in XXXX for the amount of {$190.00}. I have no such card, I did not apply for this card. I have never activated this card. I have never received a card. I have never made a charge related to this card. Capital One has closed this card and is investigating the charge made on XXXX XXXX, 2017 for XXXX ( {$190.00} ). Awesome Capital One. I do not have cable in my home in any form. The problem is that they state that this charge will remain as part of my credit bureau for 60-90 days. I 'm in the process of moving, this will report as a delinquency as I pursue that process. Capital One is falsely reporting this card and charge on my credit bureau. And will report it as delinquent as of no payment XX/XX/XXXX the pay date on the letter. The supervisor XXXX and rep. XXXX eliviated themselves of any responsibility as to what they could do. I advised them to remove the charge completely until investigation was completed. They stated they could not do that. Even stated that someone was keeping up the account. Which was incorrect as this bill states XXXX for prior payments and balances and the only balance is the charge of {$190.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Problem getting your free annual credit report

Complaint:
In XXXX XXXX I signed up with a credit monitoring system called XXXX XXXX XXXX. I was able to generate my credit score that month, but the following month XXXX my credit score said unavailable. My card was still being charged so I know it was n't anything on my end. I then called XXXX XXXX XXXX and voiced my concern about the matter. One representative was not sure why that was happening, so she put me on the line with someone higher in rank. That representative told me that my score was going to be back up XXXX XXXX. XXXX XXXX came and I still did not have a credit score. I then called the three Credit bureaus, TransUnion, XXXX, and XXXX to make them aware as well of the issue. They also could not give me a reason why my credit score was and is not available. It is now XXXX XXXX, XXXX, and I currently still do not have a credit score on the Credit Monitoring system, XXXX XXXX XXXX. XXXX XXXX XXXX, is certain that my score is not available because one the three credit monitoring systems are not generating a score for me. No one that I have spoken with, with either credit monitoring system have given me a reason why i am unable to see my score.

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 2019-04-04
Company: Midstate Collection Solutions, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midstate Collection Agency is in violation of the Fair Debt Collection Practices Act, and I believe that my rights as a consumer are being violated. On XX/XX/2019, I sent a second request for validation to Midstate Collection Agency and I have not received any correspondence from the collection agency  in regards to my first or second request for validation. On XX/XX/2019, I spoke with a representative at Midstate Collection Agency, and I was advised that both the first and second debt validation requests were received, however, they could not provide me with any documentation to validate the collection account. Also, there is no contract on file with my signature as proof of validation. The Midstate Collection account that is reporting to the three credit bureaus is reporting in violation of the Fair Debt Collection Practices Act. Please review all call history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: Home Loan Center, Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/XXXX I was searching the web for auto loan refinance rates. I found appealing rates on XXXX. The advertised rates were 2.24 % for a 60 months loan based on a XXXX and with an excellent credit of 720+ Considering that I had a XXXX credit score and my current loan rate is 3.87 % I decided to submit an application on XX/XX/XXXX with one of the XXXX partners listed there, XXXX  . 
Once they ran my credit they offer me a 2.99 % and let me know that those rates advertised are old from the begging of the year or so and are lo longer available. I did all the research and read all fine print and disclosure before applying and did not find any information or notation on the expiration for this rates. There should be some type of regulation that forces XXXX to update their rates and to not advertise false rates. XXXX and what theyre offering

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My 7 credit cards has disappeared from my credit file and my fico score decreased.All these credit cards are in good standing. I called Experian and asked the reason.I was told that I disputed so they removed.I told that I never disputed these credit to be removed and there is no reason I would do it.They said they have documents that they prove it.I asked who gave permission to do so.And they are putting all on me.I explained million times that I did not do it and I spent hours to explain. But now they want to contact all credit card companies to reinstate and report to experian.But I told them it was their fault they fix it. But said I need to call, wasting my time and not even sure how long it will take.Experian is responsible for mess up they need to contact all credit cards to fix.Why should I take headache.

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 2019-04-04
Company: Credit Karma, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX, XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX   Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   deal Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: EQUIFAX, INC.
State: LA
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 was told that What they had was accurate when i never made thise inquiries and the false address wad never removed. I have never been to Arizona so I know I should n't have an address there. The numerous inquiries made by multiple agencies wo n't be removed. Also late fees for things that are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Coinbase, Inc.
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I am trying to link my XXXX XXXX account to my Coinbase account for use, XXXXis blocking that request. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: TOYOTA MOTOR CREDIT CORPORATION
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 took out a car loan with Toyota Financial Services in XX/XX/XXXX, the payments of XXXX were due on the XXXX of every month. After starting the contract with them I asked for a due date change, and we agreed on the XXXX of every month. TFS sent me paperwork to sign and I signed and sent it back. At this point the new due date is the XXXX of every month. The first payment according to the new contract with the new due date is XX/XX/XXXX. I began making my payments according to the the new agreed upon due date, however TFS has not been reporting the payment according to the due date of the XXXX, which has cause multiple additional fees and a negative credit reporting. They are being unreasonable with resolving the matter This is the second time I am trying to resolve this issue. The mere fact that Toyota updated 5 of the late payments that they were negatively reporting since XX/XX/XXXXis evidence that they make mistakes and obviously over look them for approximately 5years. Also It was mentioned by TFS rep that the statements that were mailed out had the due date of the XXXX on them, I never received the statements from Toyota because they failed to update my address as requested as well as my last name. I also would like to bring it to your attention that my XX/XX/XXXX payment is being reported as 30 days late and it is also not accurate. You guys received the payment to close the account and cash it well before the payment could be deemed 30days late. I need for the inaccuracy of late reporting to be removed and acknowledge that I had a due date of the XXXX and that TFS made a mistake Im not updating the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: American First Finance, Inc.
State: WV
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:
On XX/XX/XXXX I opened an account with AMERICAN FIRST FINANCE I for the amount of {$580.00} on XXXX XXXX XXXX the account was closed as a collection/ charged off and sold to a debt collection agency. In legal rights a consumer is no longer responsible or reliable for a debt one the account is closed or charged off/ sold to a collection agency. This company is still reporting negative remarks on my credit report. As of XX/XX/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 2018-11-10
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2018 {$520.00} Debt Collection Agency : XXXX   XXXX, XXXX XXXX XXXX XXXX sent {$520.00} to a debt collector. I am very confused because I used to have XXXX, I have recently closed it like 5 or 6 months ago with no balance. My account was successfully removed and unable to login at all. I have no idea why I am having a debt agency coming at me, I haven't owe any of these from XXXX. I only used XXXX to sell merchandise on 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 2018-11-10
Company: Convergent Resources, Inc.
State: LA
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:
My son opened an account with XXXX cable. He added me as a contact on the account. He is a XXXX  and had to change homes due to his mobility. He was sent bills but they never reached him. So the company reached out to me to pay the bill. They said I was on the account. I told them originally I would not pay the bill since it was not mine. About 30days later I contacted the company letting them know I would pay the bill as long as it did not show on my credit report. The customer service personell said she would send me a letter stating that fact. She said I only had to pay this amount {$330.00} to XXXX XXXX and they would not put anything negative on my account. But they and said I owed the balance of {$170.00}. When I tried to reach out both XXXX and Convergent, they give me the run around. Neither says they took the paymant that they both can see on the account. Also, there is a balance, again I was told this would not show up on my credit score. Now everyone at either company say they didnt talk to me, but the payment was there and it is showing on my credit. They both continue to put me on hold and eventually the phone hangs up. I have called three times being on the phone for an hour or more each time.

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 2021-04-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have attached proof that this account did not belong to me. My husband purchased A vehicle from XXXX XXXX XXXX back in 2018. The loan officer somehow added me to the loan which I was not suppose to be on. XXXX XXXX XXXX was notified and said they fixed the error and completely removed me from the account as it was not my loan nor did I sign or agree to the loan. My husband settled the balance on the account and they closed the account and added the account to my credit file along with his. This year American credit Acceptance sent A 1099-C ( Cancellation of debt ) to my husband XXXX XXXX and I have attached this as proof that I was not on the loan. Experian, XXXX and XXXX have all refused to remove this inaccurate account from my file. The attached 1099-C shows the name and account number which can be confirmed is the exact account that is listed on my report with my name in error. Please have this account completely removed from my credit file as it is not mine and proof of whom the account belonged to is attached with IRS FORM 1099-C.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-27
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
ive ask experian to remove unauthorized hard inquires. and yet they have NOT done anything. this is extremely affecting me from getting any sort of credit! 

XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these need to be removed immediately from my credit

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 2018-01-15
Company: SLM CORPORATION
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have requested several times that all interactions, bills and other changes be sent through the mail and my address has been updated several times online and over the phones. I was set up for XXXX months of auto-payments that I guess ended in XXXX XXXX. But I have never received a single piece of mail, phone call or email about them ending. Sallie Mae has told me my mail is being sent but where is it going? I also provided them with my main email address and phone number and no calls about the auto-payments coming to an end. 

I was told I was set up with an account manager who should be calling me but have never received a single call from her about my account. This is the 2nd time I have had issues with payments and no information was sent to me. I moved in XXXX of XXXX and I changed my address online, nowhere did it say that I also had to call and update my address in order for my auto-payments to be taken out. If I update my billing and mailing address online should that not be entered into their system? If not should they not have contacted me by mail, email or through the phone numbers I have provided? 

The only reason I have realized something was wrong with my payments was when it was reported to XXXX XXXX and my credit monitoring companies let me know something was wrong. Prior to my credit monitoring companies alerts about an issue Sallie Mae failed to reach out to me in any way. 

Once again Sallie Mae says they are mailing my correspondence but I only receive emails saying your Tax information is ready and check your XXXX credit score. That information is not that important when my credit and payment history is being affected because of the lack of communication on the Sallie Mae end. How is it that every month my statement does not make it to my physical mailing address or my email address? But when asked one agent told me I have requested all my information to be sent by mail and another agent told me I had requested all my information to be sent electronically through email? 

This issues with my payments and lack of communication on the side of Sallie Mae is causing me issues when it comes to moving forward in my life because they keep dinging my credit every few months.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief