BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-13
Company: TD BANK US HOLDING COMPANY
State: UT
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:
On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: AMERICAN EXPRESS 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: Account status incorrect

Complaint:
American Express and I have agreed to a payment plan to pay off my account balance. Ive been making the payment on time and as agreed. The account is closed. American Express is reporting my account late for the past three months, American Express isncollecting payments and still reporting the ring information. When confronted hey said they will keep reporting my account late or delinquent until their system catches up and from there on they will report my payments on time regardless of meaking payments. So they will keep reporting late even though Im paying on time. They are also reporting my account open when the account had been closed for several months. They closed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
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:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX/XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been a reasonable, valuable, long-time CapitalOne ( multiple ) cardmember for many years. CapitalOne is now charging excessive past due fees and annual membership fees. I called today to request removal of a {$37.00} past due fee ( I missed the payment Sunday ) for the minimum payment due of {$37.00} on my card ending in XXXX. I made a double payment ( {$74.00} ) a couple of days later. 

Despite the ongoing COVID-19 pandemic, which has resulted in my being out of work since XXXX, I have tried to keep my card payments current. CapitalOne boldly and visibly claims to offer " relief '', but here I've asked for some small measure, and been denied. The truth is that their available " relief '' does not stop finance charges, and will eventually result in a card being over limit anyway, further damaging one 's credit score. 

Further, I also requested that the {$59.00} annual fee be waived ; that is an excessive fee for a card with such a low credit limit. 

I was initially connected to an overseas call center ( which is another problem - USA-based customer should never be sent to overseas call centers!! ), then requested a " Tier 2 '' supervisor. He told me that fee credits now are all " system generated '' ; i.e., supervisors no longer have any discretion. That is a convenient excuse to resolve them of any possible responsibility to assist their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-17
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: CT
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:
XX/XX/XXXX I landed in XXXX, F 17 lorida on XX/XX/XXXX. The purpose of my trip was to assist my sister who has XXXX  to find a place where she could get the help she needs. She was in rehab in XXXX, Florida. I was staying at her apartment on XXXX XXXX. On the way to her apartment the friend who gave me a ride and I stopped at XXXX XXXX  in XXXX XXXX. I paid for the dinner with my Iberia Bank Visa credit card. 
I was surprised when I received the Iberia Bank Visa statement that indicated a charge of {$210.00} at XXXX in XXXX XXXX XXXX on XX/XX/XXXX when I wasnt at the Mall. 
The signature on the sales slip was not my signature. In fact it was just a couple of what may have been letters and a long squiggly line. 
Twice I faxed copies of my explanation to the fax numbers they gave me over the phone, but have not received any word back. When I call Im told the disposition of the case does not show up on the screen. 
My contact has been Case Number : XXXX Dispute Resolution Department XXXX XXXX XXXXXXXX XXXX GA XXXX Phone 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 monetary relief
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: AR
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:
This is my fourth attempts to tell you that I am a victim of identity theft and I complain some disputed items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud. Remove the following inaccurate items : 9 XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX. A victim of identity theft a long time ago. After that incident there were incorrect and inaccurate items that appeared in my report. Please delete all of the following ACCOUNTS from my credit report immediately. Besides these items, also delete the incorrect addresses that I did not live in and I do not go by. They are all a result of ID theft. Please remove these items which are not as soon as possible. Please see attached IDENTITY THEFT 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 non-monetary relief
Consumer complaint received 2023-02-02
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Ally bank took XXXX inflated payments out of my bank account in XXXX XXXX after telling me that a re-payment plan I was on had been cancelled. They continued collection activity during this time and ignored multiple requests I made to stop the automatic payments and to help me repair the condition of my account. In XX/XX/XXXX, a collections supervisor realized what had happened and promised to give me an extension. A few weeks passed and Instead of an extension, the automatic payments were finally cancelled and the car was repossessed. Further attempts to correct this with Ally have been unsuccessful thus far.

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 2023-01-27
Company: Experian Information Solutions Inc.
State: WI
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the XXXX  partial account numbers XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-07-10
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received an escrow analysis from my lender, Freedom Mortgage. 

Although my analysis predicted a surplus amount and a refund check was sent to me, Freedom mortgage raised my monthly payment amount. 

Freedom mortgage did not provide me with a shortage amount, nor did they provide me with the opportunity to pay any shortages so that my monthly house note would not increase. 

Freedom Mortgage just raised my house note, without any opportunity to pay the shortage. I attempted to resolve the matter by alerting them, but they have ignored or insufficiently responded to my inquiries. 

They have not answered the question of how they determined that I have a surplus which resulted in a refund and have my monthly house note go up at the same time because of a shortage. I received notice that I have an overage and shortage in the same escrow analysis letter. 

I know this sounds confusing, but that is why I require your intervention so that Freedom Mortgage can provide an accurate escrow analysis that shows what the shortage is, so I can pay it in full and reduce my monthly mortgage payment.

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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2018-08-10
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a complaint with my bank about fraud on my card on XX/XX/2018, there were 50 charges totaling {$2000.00}. I was informed by my bank today that they could not prove the charges were fraud. And that they look at the charges as a whole and if they think one is not fraud then they refuse to refund on all the charges. In this case 45 of the charges were out of state or internet games and 5 of the 50 charges were in my state but hundreds of miles from where I live. 

When I asked what steps the bank took to prove these disputed charges were not fraud they told me they could not tell me because it was bank secrets. 

Wells Fargo Claims # 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 2021-06-23
Company: AR Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I check my credit reports regularly almost everyday through my XXXX  & XXXX XXXX Apps to make sure all is well. On the morning of XX/XX/2021 I was notified my score had decreased by 33 points due to a Collection. I was immediately curious & upset because I havent received anything from any collection agency. I logged into my XXXX account & seen a collection account for {$150.00} on my credit report from a company named AR RESOURCES INC, XXXX XXXX XXXX XXXX, XXXX XXXX, PA. Ive NEVER received ANY PHONE CALL from this agency & Ive NEVER received any letter!! I dont even know of anything where I would owe {$150.00} because I pay all my bills & again, I havent received any type of communication about a {$150.00} debt!! Now my credit score has dropped horribly because of this company! If I hadnt checked my credit report I wouldnt have known anything about this company. I dont have any idea who this collection agency is or what the collection is for or from. Can this please be investigated & completely removed from my credit reports history? I need this to be removed & stopped before it attacks my XXXX  or XXXX  credit reports. I will attach a screenshot of what I seen on my XXXX  credit reports. Thank you for ALL your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have tried calling XXXX XXXX XXXX Card customer service multiple times to tell them I have not received a statement this month and to ask about other issues. No one answers the phone, the automated system goes nowhere. I am on hold for hours after which it hangs up on me. I have called at different times of day and night, same issue, on hold. No one answers. I expect to be able to talk to a human when I have issues about my card.This is not right. Customer service is non existent. 
I called the customer service number and the technical assistance number, same result, on hold, no answer from a human. 
Also, last month when I made a payment the agent wrote the wrong account number on my payment and they classified my account as past due but did not notify me for almost a month, when I got a call from collections dept. about " past due '' payment. I ALWAYS pay on time, have not been late in 26 years.I asked for a letter saying it was not my fault and only got a form letter which stated payment amounts.

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 2020-12-16
Company: Advantage Credit, 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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XXXX and XXXX. XXXX, XXXX, XXXX  XXXX XXXX, on XXXX. XXXX, XXXX, XXXX and on XXXX. XXXX, XXXX, Advntge Cred add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2020-10-08
Company: Experian Information Solutions Inc.
State: FL
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:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items.

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 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief