BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-31
Company: Innovis
State: MO
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:
The credit reporting agencies has reinserted an account that was removed last year XX/XX/2018, inwhich the account was disputed and an affidavit for identity theft was provided. The company then removed the item but then without any warning the company ( XXXX XXXX XXXX  ) was once again on my file. I'm demanding that this account be block and/ or removed immediately as it has caused me headaches and emotional distress. And has went against the consumer laws of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: NATIONS RELIABLE LENDING LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
The closing was delayed twice. The builder threatened to sell the home to another buyer if the lender didn't close soon. The builder has refused to ever work with the lender again. I called, emailed, text messaged the lender many times and rarely had my correspondence returned. I felt that I was kept in the dark throughout most of the process. I did not know what type of loan they were qualifying me for or what I needed to have for closing costs until the day XXXX signed the closing paperwork. It should have been a happy time closing on our first home, however it was stressful and we signed the paperwork under extreme duress. We were moving from out of state and needed a place to stay. We also did not want to risk the builder selling the home to someone else. I had other lenders tell me that they would qualify me for a conventional loan, and this lender did as well. On the day that I signed the paperwork, I found out that it was an FHA loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
opened an account with Capital One with offer code XXXX -- the terms was to deposit at least {$50000.00} in new money, with NO cumulative balance required ( copy of terms attached ). I fulfilled this requirement, and confirmed with Capital One representatives that I had completed the requirements. The representative confirmed, and told me I just needed to wait 60 days from completion and the offer would be posted ( confirmation attached ). I have not received the bonus payment even after the required wait period.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
For example, XXXX XXXX XXXXXXXX XX/XX/XXXX {$81000.00} XXXX   XX/XX/XXXX {$24000.00} XXXX XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX XX/XX/XXXX {$16000.00} XXXX XXXX   XX/XX/XXXX {$2500.00} XXXX XXXX XX/XX/XXXX {$19000.00} XXXX XX/XX/XXXX {$630.00} XXXX XX/XX/XXXX {$6200.00} XXXX XXXX XX/XX/XXXX {$6200.00} XXXX XXXX XXXX XX/XX/XXXX {$23000.00} XXXX XXXX XX/XX/XXXX {$35000.00} XXXX XXXX XX/XX/XXXX {$30000.00} XXXX XXXX XXXX XX/XX/XXXX {$35000.00} XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX   XXXX XX/XX/XXXX {$5000.00} XXXX XX/XX/XXXX {$280.00} XXXX XXXX XX/XX/XXXX {$250.00} XXXX XXXX XX/XX/XXXX {$19000.00}

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 2018-09-05
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: Their investigation did not fix an error on your report

Complaint:
The number of times missed which is actually documented on my credit report seems to be inaccurate and or confusing.

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 2018-09-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
For example, XXXX XXXX  XXXX XX/XX/XXXX {$81000.00} XXXX   XX/XX/XXXX {$24000.00} XXXX XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX XX/XX/XXXX {$16000.00} XXXX XXXX   XX/XX/XXXX {$2500.00} XXXX XXXX XX/XX/XXXX {$19000.00} XXXX XX/XX/XXXX {$630.00} XXXX XX/XX/XXXX {$6200.00} XXXX XXXX XX/XX/XXXX {$6200.00} XXXX XXXX CRE XX/XX/XXXX {$23000.00} XXXX XXXX XX/XX/XXXX {$35000.00} XXXX XXXX  XX/XX/XXXX {$30000.00} XXXX XXXX XXXX XX/XX/XXXX {$35000.00} XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX   XXXX XX/XX/XXXX {$5000.00} XXXX XX/XX/XXXX {$280.00} XXXX XXXX XX/XX/XXXX {$250.00} XXXX BANK XX/XX/XXXX {$19000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-06
Company: Experian Information Solutions Inc.
State: RI
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:
Account was opened XXXX of XXXX. At the time my credit was checked and I was approved for the department store card. 

In XXXX of XXXX, upon closer examination of my statement, I noticed my credit line had decreased. I had received no notification of any issue. My account is in excellent standing. I phoned the provider and they stated they had no idea why my credit line had decreased and they reinstated my original credit line. 

Yesterday, while looking at my account, I noticed, yet again that my credit line had decreased. Again, no notice, no call ; no idea why. Account had a XXXX balance and excellent standing. 

I phoned the account holder today after not getting an explanation from an email the yesterday. According to the " Account Manager '' that I spoke with - XXXX has the right to periodically check my credit score from all three reporting agencies ( XXXX ; XXXX  and Experian ) and apparently are also getting credit updates on a regular basis from all three credit reporting bureaus when ever something changes on my credit report!! I never gave any permission for any company to constantly monitor my credit..and I know this is not legal. She stated that they had sent a letter on the XXXX of XXXX. I have received nothing. She also stated they mailed letters back in XXXX ( however when I checked in XXXX the Customer Service Rep I spoke with at the time told me she didn't see any letters going out ) when I brought up this had happened before, and I had never received any letter. I asked that the letter be e-mailed to me along with any documents that they state " allow '' them to monitor and get updates on my credit. She stated that she can not e-mail them and that she needs to mail them. She would not give me any reason why this has occured. 

I never gave XXXX ( XXXX XXXX  ) permission to " monitor '' my credit reports from the three major credit reporting agencies. 

I have paid off the card in question and have closed the account. I have asked that my banking information be deleted from their system and I have also requested confirmation, which I have not received. 

This is a muli-issue 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 2018-09-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I disputed a negative item on my credit report from XXXX XXXX XXXX XXXX, located in New York ; the dispute was submitted to Experian in XX/XX/XXXX. I filed that I was scammed into a contract for a credit card processing machine on the promise of a loan for {$6000.00} to open my restaurant or I could cancel the contract ( XX/XX/XXXX ). The telemarketer, XXXX XXXX XXXX, did not let me know until XX/XX/XXXX, that I could not get the loan. XXXX XXXX charged me through debitting my checking account and I wasn't even open or making money! I sent the machine back but XXXX XXXX would not cancel the contract at any time, they said it was past yhe 10 day cancellation period which was in very small print! The New York Attorney General 's office has filed a suit against XXXX XXXX XXXX XXXX for their deceptive business practices and fraud, which I have just recently added my complaint to. They have an F rating with the XXXX XXXX XXXX! https : XXXX I tried to dispute again and on top of not giving but 210 spaces to write a complaint, Experian said they would not accept another dispute and they had the right to not accept disputes! This is not right on either party, XXXX XXXX XXXX XXXX OR Experian.com!! I couldn't even give experian the links and this is not fair consumer reporting! I was scammed!!

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 2019-08-31
Company: Byrider Franchising, LLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am getting the run around, from my vehicle finance company and the 3 credit  bureaus. I would like for some assistance. I have a good standing account. that should be reporting. The lack of this reporting and inaccuracy is hurting my creditworthiness. I have spoken to 2 of the 3 credit bureaus. Yet again! getting the run around! 

Please let me know what CFPB cant do to help. There is a mistake on someones part. I need help making it right. 

Date of notice from seeing FICO ( XXXX-19 ). Date for contact to finance company ( XXXX-19 ) Date of communication with finance company representative ( XXXX-19 ) Date of contact with XXXX ( XXXX-19 ) Date of contact with XXXX  ( XXXX-19 ) I have not been able to reach XXXX. They are unavailable over the weekends

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: EQUIFAX, INC.
State: AL
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:
I have had trouble with this account due to their system error that gave incorrect amount of days that my account was past due that caused me to pay over 30 days late and I also was told by one of their representatives that if I paid by XX/XX/2017 it wouldnt reflect a late payment. I have disputed with credit bureaus and have asked the company to fix this since they had a system errors. Multiple representatives have verified that they had a system error but still havent fixed this. I have been working on this since it happened on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: EQUIFAX, INC.
State: MS
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:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of XXXX XXXX. I have never been put on XXXX XXXX. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX  XXXX {$60.00} XXXX XXXX XXXX  XXXX {$14000.00} XXXX  XXXX {$660.00} XXXX XXXX XXXX XXXX {$990.00} XXXX XXXX  XXXX {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: EQUIFAX, INC.
State: CA
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 disputed an inaccurate account on my credit report from XXXX XXXX XXXX. They are reporting absolute false info, by stating reporting that I had an installment account with them, even showing 36 on time payments thru XX/XX/XXXX, then defaulting to a charge off status after that. There has NEVER been an installment account with them. I even confirmed this by phone with XXXX XXXX XXXX, and supposedly XXXX with XXXX documented such facts so that it would be reported when disputed. This account was an " overpayment '' of a Pell Grant given to me in XX/XX/XXXX when I was attending XXXX XXXX. Then billed me for overpayment of {$180.00} for 120 days, before turning it over XXXX XXXX XXXX to collect. I have disputed this on THREE separate occasions with both XXXX  and Equifax, demanding they do their job and investigate this false reporting, however, XXXX XXXX XXXX continues to " verify information as correct, '' and the Credit Bureau continues to accept such false verification without the documentation I have requested validating the accuracy of the account. They have continuously violated the FCRA sections 611 and 623. I filed a complaint with CFPB on XX/XX/XXXX ( XXXX ) and complaint was closed advising me to deal with XXXX XXXX XXXX regarding issue. Clearly it wasn't noted that I had already made several attempts to do that, hence my seeking help from them for a resolution. Therefore, I have sent it to the CFPB Ombudsman for second review. I was advised to file separate complaints for each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a month to month contract with XXXX while in NY. I called in XXXX of XXXX to end the contract, returned my equipment and give them my new address as they told me there MAY be a final bill sent to me. 

I didn't receive any bills from XXXX. In XX/XX/XXXX I received notice from a collections agency ( at the new address ) that I was in default. I made the payment after receiving the notification. 

XXXX reported late payment and that the money was in collections from XXXX until XXXX of XXXX after I reported the error and tried to contact XXXX directly ( at which time they told me they had record of the final bill dated at the end of XX/XX/XXXX ( more than 2 months after I had terminated the service. That " supposed '' bill was never received. 

I would like the late payment and collections removed from my credit report as any requirement to send this bill to collections was a direct result of XXXX not completing their billing correctly to my new address in a timely manner, and is in no way a reflection of my ability or willingness to pay my bills on time. 

This is not the first time I have had an issue with XXXX when ending service with them, which tells me it is a systemic issue, but it is the first time it has gone so far as to permanently affect 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 2021-06-25
Company: Santander Consumer USA Holdings Inc.
State: SC
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:
Vehicle was repossessed after paying for 4 years amount owed on contract to Santander it changed by XXXX company states it was recovery charge storage charge transport charge key replacement fee auction charges I had items stolen out of vehicle at storage facility and had to pay XXXX of the original XXXX that was owed to get personal items and I surrendered the keys to the tow company when they came for the car. When I called to pay balance XXXX within 48 hours was told of other charges added on and car was at auction 300 miles away. I received a letter that auto sold for XXXX but I still owed for all storage and transportation changing balance to XXXX account was closed in XXXX sold to collection agency after submitting all my paperwork to XXXX XXXX they decided to close collection account And deleted it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I withdrew {$32000.00} from my account at XXXX and purchased a cashiers check. I went to Bank of America and deposited the cashiers check in to one of my DDA accounts. Bank of America placed a 10 day hold on the cashiers check stating they dont know when they would get the funds. I tried to get the hold removed on XX/XX/XXXX and again on XX/XX/XXXX! With real time payments we all know the funds were at BofA and you can not put a stop payment on a cashiers check. Why do they still have the outdated 10 day hold?? They are denying me access to my cash deposit as a cashiers check is supposedly the same as cash!

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 2021-08-06
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
End of lease, made last payment and they stopped reporting to credit companys and removed the account all together. 

Therefore causing inability to purchase my lease buyout due to this missing three year tradeline. 

To resolve this matter I reached out to the finance company to have my auto tradeline reinstated. I was then advised that the finance team would submit the request to be updated on both leasees credit report within 7 days if it is not we can do a lease extension. She advised to call back in 1 week.

5 days later, I received a pick up/hang up from the finance department. Moment later got an automated message stating theyre trying to contact me and to return their call. I called them back that moment and I was then inquired about my decision with the car but I had already advised them 5 days prior that I planned to retain the vehicle. At this point financed advised me that in order to retain my vehicle I would be required to pay last months and future months car payment in addition to fees claimed I incurred with my account being frozen totaling approximately XXXX. In order to resolve the matter I offered last months payment plus {$100.00} in fees. XXXX after making said payments I was then told there was another error and I actually owed over {$800.00}. To which she responded that she made an error and that over {$800.00} was due. As of today my account reflects the {$500.00} payment however I have a new balance of {$720.00}. With the balance of {$800.00} like she had mentioned after making my {$500.00} payment my balance should be {$300.00} but it states I now owe {$720.00}. 

At this point in time the credit reporting agencies were still not reflective of this my three year history on this tradeline. My goal in reaching out for assistance is simply to have both mine and my fiancs credit reports updated and to retain my vehicle at the contracted price without all the additional fees being claimed I owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have tried to contact the bank of America and no one has gotten back with me and they said I have to pay them it is not fair having identity Theft. My Case number is XXXX and do not think I should pay for this since they have insurance against Fraud and this was not my fault. They said it was..

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