BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
This is NOT a duplicate claim. This is a claim in reference to claim XXXX with more information and attachments. I was advised by one of your phone agents to resubmit this claim. 

I had a promotional rate on the balance transfers I made to my Bank of America credit card and had set up automatic recurring payments. Everything was fine until the promotional rate expired in XX/XX/XXXX. At that time, my minimum payment went up. Nobody from Bank of America attempted to call me, email me, nor did their app send me any notification that my scheduled payment was not going to be enough to meet the minimum balance. The only way I discovered something was wrong was when I received a letter via the US Postal Service that my credit line had been decreased from {$11000.00} to {$9500.00} because I was late with a payment. It was then that I discovered that I was inadvertently late with the full payment due on the account and I was also charged a late fee. I called Bank of America to talk about what happened. I made the full payment due with the same representative that very moment. After I had made my payment, I requested that my credit limit be increased to the amount it was prior to the {$11000.00} that I had previously. A week later, I received a letter that they had denied my request for a credit line increase and gave a reason that my account was still past due. The denial letter was dated the same day as my call and payment. The attached statement shows the payment was made on XX/XX/XXXX, which was the same date. However, as I noted above, it was not past due when I made the request. I paid the amount due before the request was submitted by the representative. Because I was getting nowhere with Bank of America, I filed a complaint with the CFPB. The company received this complaint and attempted to contact me to verify my identity. I called the company back many times at the number listed in the message to try and get in contact with the agent assigned to my complaint. The agent never picked up his phone when I called even though I called multiple times during different times of day on different days. He never called me back after the voicemail despite how many messages I left for him to return my call. Bank of America then let the complaint age for 60 days before claiming they tried to verify my identity but could not.

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 2020-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
In XXXX of this year a friend and us booked a set of rooms on XXXX on the beach, we payed for all of it on our card. As Covid and the time progressed we tried calling and asking if the hotel would be open or not. This was a long trip and i didn't want to travel to a hotel and find we would have no place to stay. 

We asked XXXX several times and they could not get in touch with the hotel it's self. The Hotel page on XXXX says the hotel is closed still today. We were going to go several weeks ago but could not find out if anything was open. 

XXXX offered us a voucher for the same hotel and good for one year. We turn this down as one, i don't know if that place will be around in one year or even available. We didn't cancel, the hotel was and still is closed. Since we used our credit card with protections on it, we should get our money back. 

I did not receive goods that i had full intention of getting and paying for, yet i am holding and empty bag ... 

I filed a disput with XXXX, our credit card company and it got rejected. We have called, used online chat with XXXX. With the credit card company had to mail proof and submit everything via mail. Thus i paid postage to get this done. Then they rejected it without any correspondence or even asking any questions. It was very one sided. 

Total amount is {$1000.00} Card company is Capital One Visa card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX bloomers keeps calling about at least 5 times a day and no voice mails get left and no one answers when you you call the number back.

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 2021-04-07
Company: Bread Financial Holdings, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX is reporting fraudulent activity on my account. I disputed the items, debt a certified letter with the proof they asked for and called them. They are still reporting the fraudulent activity even after I submitted my Driver 's license, FTC affidavit and explanations on how my identity could have been stolen. My driver 's license was stolen in 2018 and my email was hacked, along with my information at a hospital. Theives have my name, SSC #, email address and DOB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Synovus Bank
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
on XX/XX/2021 I called First Progress to settle an outstanding credit card bill. I was told that if I paid the bill in full and not settle that they would agree to remove the account in its entirety. Well the account has not been removed at all from my account. I have called on several occasions and the customer service reps are no help at all and refuse to transfer me to a supervisor

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$990.00} past due as of XX/XX/XXXX. 


filed ftc 60 days ago

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 2019-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 has improperly placed an invalid collection on my credit report, without even providing me proper notice of the debt or an opportunity to see its validity prior to credit reporting. They are attempting to extort money from me for a debt I KNOW TO BE INVALID by holding my credit report hostage. I have demanded proper debt validation from this company and requested the credit reporting cease until proper validation has taken place.

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 2018-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2018 I send a letter to the credit agency to remove the bankruptcy chapter XXXX from my credit report. I got a letter from the is bankruptcy court stating that they did not report any information the XXXX credit agencies I forwarded it to the credit agencies. I have gotten letters back stating that it will not be taken off my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: Experian Information Solutions Inc.
State: WI
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 has improperly placed an invalid collection on my credit report, without even providing me proper notice of the debt or an opportunity to see its validity prior to credit reporting. They are attempting to extort money from me for a debt I KNOW TO BE INVALID by holding my credit report hostage. I have demanded proper debt validation from this company and requested the credit reporting cease until proper validation has taken place.

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 2020-02-05
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:
I've reached out to Experian in XX/XX/XXXX to inform them about various inaccurate information reporting to my credit file. As a result I've been mistreated and passed around from office to office. Every time I call Experian I'm put on lengthly holds and talk to very rudely with nothing getting done in terms of correcting the inaccurate information listed in my credit report. I've been lied to and mistreated by various reps XXXX XXXX and XXXX XXXX from Experian have all talked to me rudely and disrespected and used slanderish and XXXX terms without providing me service on my file. At this point I feel very uncomfortable speaking to Experian. 

I'm at the end of the rope with Experian. I have all calls and experiances documented and my next step will be hiring and attorney and suing them in Federal Court. 

With that said I still have inaccurate information reporting on my file that needs rot be finally addressed as a result of ID THEFT. Here is a list of the inaccurate things : Accounts : 1. XXXX XXXX XXXX Acct # XXXX ( Fraud ) 2. XXXX XXXX Acct # XXXX ( Fraud ) 3. XXXX XXXX XXXX Acct # XXXX ( Fraud ) 4. XXXX XXXX Acct # XXXX ( Fraud ) Public Record : 1. Chapter XXXX bankruptcy petition # XXXX Inquiries : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX 3. XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6.XXXX XXXX XXXX XX/XX/XXXX 7.XXXX XXXX XX/XX/XXXX 8.XXXX XXXX XXXX XXXX XX/XX/XXXX 9.XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11.XXXXXX/XX/XXXX12. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Also Enclosed my FTC FRAUD AFFIDAVIT

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 2020-06-25
Company: LAKEVIEW LOAN SERVICING, LLC
State: SD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2020, XXXX XXXX with LakeView Loan XXXX, who our mortgage is currently with along with " LoanCare '', offered a VA loan refinance. We quickly completed the process and a new payment was settled on with a closing set for XX/XX/2020. XXXX XXXX also advised in multiple recorded phone calls on XX/XX/2020 and XX/XX/2020 that we would not have to pay the XXXX Payment and it would be included in the closing that would occur in XX/XX/2020. On XX/XX/XXXX, XXXX XXXX advised that there was a lien with the county on the home unbeknownst to myself. I asked if the deal was dead. XXXX XXXX related that if the lien was immediately paid, proof would only have to be received by XX/XX/2020 and a XX/XX/2020 closing would still be fine. My wife and I dipped into savings and paid off the judgement, overnight a check that day. The lien was released and proof was received the first week of XXXX by Lakeview Loan XXXX. ( I have email proof of this ) I have an email from XXXX XXXX that says if proof of the lien being removed was received in XXXX, the XXXX closing would be fine. In fact XXXX XXXX stated this happens all the time on a phone call. Between XX/XX/2020, when they received proof the lien was cleared, to XX/XX/2020, I received several emails asking for random documentation over and over from 2 different underwriting companies, XXXX and XXXX XXXX XXXX. Sometimes they asked for the same documentation twice..proof of insurance..etc.. But I trusted the process was still fine for a XX/XX/2020 closing. XXXX XXXX said nothing to the contrary..AT ALL. On XX/XX/2020, XXXX XXXX emailed me and said oh by the way, your late on mortgage for XXXX, the VA refinancing is now denied for being late. I WAS FURIOUS. I did everything I was asked to do and XXXX XXXX said we did not have to make the XXXX payment. NOT only that, unbeknownst to me AGAIN, XXXX slyly changed the closing to XX/XX/2020. I had no idea this even occurred. XXXX XXXX then bold faced lied in an email that he never said not make the XXXX payment. This is a lie and the recorded phone calls prove it. His manager, XXXX XXXX then got involved at my request but did absolutely nothing. XXXX XXXX stood the company line and said sorry, cant do refinance now but maybe try again in 6 months after 6 on time payments. I am furious and if I had the money for a lawyer I would sue the pants off this department for lying to a customer and then not fixing the situation due to their vast incompetence. I have all emails and documentation to prove everything within 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 explanation
Consumer complaint received 2021-08-18
Company: Helm Associates
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a loan with HELM ASSOCS. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the repossession was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureau. There was definitely an error on their part. You are condoning illegal behavior and the bureau is willfully in violation of FCRA. REMOVE FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I was impacted by Covid-19 and because of the impact a payment on a loan was reported late to the credit bureaus. I attempted to contact the creditor to inform them of my Covid-19 impact and was unsuccessful in doing so. The creditor is XXXX and is reported as XXXX XXXXXXXX XXXX. Other creditors were contacted and responded in time, however XXXX has refused to cooperate. I have attached a copy of a letter from another creditor who did respond to my Covid-19 impact statement and removed a late payment. A copy of my photo ID is also attached to this dispute.

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 2018-06-15
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/XXXX, I sent a letter to XXXX XXXX XXXX in regards to removing unauthorized hard inquiries from my credit report. These inquiries have negatively affected me from obtaining items, such as credit cards and lines of credit. I did not authorize my credit report to be pulled by the following companies ( the dates are included as well ) : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX   ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX )  XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX, XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX   ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) I have yet to get a response from Equifax about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
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: Account status incorrect

Complaint:
I was impacted by Covid-19 and because of the impact a payment on a loan was reported late to the credit bureaus. I attempted to contact the creditor to inform them of my Covid-19 impact and was unsuccessful in doing so. The creditor is XXXX and is reported as XXXX XXXXXXXX XXXX. Other creditors were contacted and responded in time, however XXXX has refused to cooperate. I have attached a copy of a letter from another creditor who did respond to my Covid-19 impact statement and removed a late payment. A copy of my photo ID is also attached to this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: Avant Holding Company, Inc.
State: NJ
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:
Contacted Avant credit card about a charge for XXXX music that wasn't mine. They sent me to fraud department ( so called ) all the man could do was stop the account and send it to fraud department he wanted to know how long it had been going on. I looked back a few months and found it to have be going on for a few months. I started to look farther into the account. I found out the first time I applied was XXXX of 2018. It said closed second was opened XX/XX/2018 XXXX has a few little charges and then I see a balance carried over but it said nothing from where, I ask them about that girl look into it more said she doesn't understand there was a third account! I had thought these were house bills I paid with the card or something then I seen a charge from XXXX  XXXX  XXXX and cash advance XXXX. I should of taken a screen show of it because since i.said something now it is gone. We refinanced the house to get out of debt I was fine for one month and again the 9 something shows up on my account again. I have spoken to this web based credit card company 6 times telling them they never closed my account they said they did I had to out a stop on my account I have been making payments on for over 5 years now on things I never changed. And no one as yet to call me back. Please help me figure this out I am disabled and can only put out the money that has to be. Please help me XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: EQUIFAX, INC.
State: NM
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:
Hi, I have reported several accounts on my credit report as fraudulent because I am a victim of identity theft. I reported this through the FTC at identitytheft.gov and I have attached the report. I mailed the letter for Equifax about two weeks ago, and they have not responded or removed any of the information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: CAINE & WEINER COMPANY, INC.
State: FL
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:
Caine & Weiner, amount {$300.00} This company removed this item off my credit report due to the fact that it didnt have the proper information to verify. Then put it back on my credit report, which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This Debt collection company XXXX XXXX XXXX has called many times to collect a debt in the amount of {$370.00} They have also reported this debt to the credit bureaus lowering my credit score. XXXX XXXX XXXX is not licensed in the state of Michigan to collect debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: CONRAD CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/20 I ran my credit report since I am in the process of purchasing a home and realized that there was a debt by Conrad Credit Corp XXXX XXXX XXXX XXXX, XXXX, CA XXXX on my report for {$2400.00} from an original debt of {$1700.00} from the City of XXXX. I called their offices to clarify, spoke to XXXX XXXX and confirmed that the debt did not belong to me but to my brother who shared the same address with me which I moved out of 8yrs ago. XXXX XXXX then referred me to XXXX XXXX who has been purposely ignoring my calls and emails and is unlawfully attempting to collect a debt I do not owe. It is ruining my credit and messing with my personal life. I need this to be fixed ASAP. I will be filing a police report against Conrad for identity theft and commuting fraud.

Company response to consumer: Closed with explanation