BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
This is the second time that Bank of America has RETURNED my payment to my bank and charged me with a returned payment fee. 

When I have tried to call, they hang up on me. 
Please help/

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 2021-11-06
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by EQUIFAX. Despite sending them the last letter, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: TRANSUNION INTERMEDIATE 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:
date XX/XX/14 looking at my credit report you are reporting inaccurate information from XXXX. XXXX you are listing this account as a CHARGE OFF not a repossession which is a violation. 2nd the high balance isnt the same balance. XXXX/transunion is reporting {$27000.00} and XXXX is reporting XXXX if you all are getting the information from the same collector why are the numbers different? 
this needs to be deleted off all 3 of my credit reports immediately. Also after numerous times of asking a representative they could never VALIDATE this inaccurate debt. 

plz see attachment below

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 2021-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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  on my credit report ( XXXX, transunion, XXXX ) that open on XX/XX/XXXX, it was a result of an identity thief, someone use my infos to open these accounts and I requested that they blocked these infos immediately and didnt get any results for the last 2 years after I sent ftc report 3 times also theres an address that end with the zip code XXXX that its not mine on my XXXX I want to be remove immediately XXXX XXXX XXXX that open on XX/XX/XXXX without my permission that must be remove off transunion, XXXX and XXXX. 

XXXX XXXX that open on XX/XX/XXXX, they claimed I had 6 late payments and thats not accurate, I want the late payment remove from XXXX, Transunion and XXXX XXXX XXXX XXXX open on XX/XX/XXXX, Transunion and XXXX removed but XXXX still didnt remove it

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 2019-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Yes my name is XXXX XXXX and paid {$340.00} to capital one credit card company and supposedly settle for less left with a {$0.00} balanced and still showing {$350.00} dollars and the original amount was {$690.00}. I paid this in the beginning of XXXX and Showing {$350.00} Remaining when it should be {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I recieced a phone call from these people this morning at XXXX XXXX local time. The collection company is XXXX XXXX they called from a XXXX XXXX phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: AFNI INC.
State: OH
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:
In XXXX AFNI fraudulently added a account that is not my account, during this time it was removed and they went under a affiliated name AfNI and put it back on my account. I dispute the debt and as it's being disputed the company continues to add the account again during the dispute. I have know knowledge of this account and the company has shown no verification the account is mine with my signature that I agreed to any said services with thier company or any affiliates. This is causing me stress and I have had to go see my Drs. As it has been a constant worry and harassment. I have contacted my attorneys and plan to move forward as it is causing XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I bought a used XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, California on XX/XX/XXXX. According to the salesman, he said I got approved by XXXX XXXX  for my auto loan. According to the contract, I financed {$50000.00} with the monthly payment of {$900.00} starting on XX/XX/XXXX. Today, XX/XX/XXXX, a lady called me and said she is the director of the Finance Department from XXXX XXXX XXXX. She demanded a check of {$55000.00} to pay off the car I just bought, which I was fully surprised about. I asked her what was happening, and she said she saw the note that I will bring a check of {$55000.00} to the dealer. I was confused about the information she just said and did not understand what was going on. I mentioned to her about XXXX, who works at XXXX XXXX XXXX finance department and also worked with me to finish the documents the day I bought the car. About 3 hours after the conversation with the director of the Finance Department, XXXX XXXX XXXX. I received a notification that someone just ran my credit report. There were 2 credit reports under Ally Financial on my record today. I called XXXX XXXX XXXX, talked to XXXX. and asked her what was happening. She said there were some mistakes on how they process the documents. I was upset and asked why they ran my credit again without my permission. She couldn't answer my question. I also questioned her about why I got my auto loan from XXXX, but the dealer ran my credit report again today. She said will get back to me when she has a chance to talk with the director. I told her I will file a complaint to the Consumer Financial Protection Bureau about this matter. I have the proof as the voicemail from XXXX XXXX XXXX as well as the contract I signed.

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 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
To whom it may concern, I noticed a few errors on my credit report on XX/XX/2021 and wanted to fix this up as I am trying to get my credit to be accurate. I have a closed account with XXXX XXXX XXXX I recently paid them {$200.00} to settle which is what the customer service rep told me would be removed. I called them on XX/XX/2021 to ask why it is still hasn't been removed and they were asking me for more money. I feel misled by there company and that I no longer owe them due to agreement made they made. I also have a closed account with XXXX department store card which to my knowledge was settled a long time ago so unsure why that is still on there. Lastly XXXX XXXX  is coming after me with harassing phone calls. I have no knowledge of what they they are talking about or authorized anything by them. I am looking for all 3 of this inaccurate information to removed from my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: R & R Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The information that you indicated in my credit report I already demanded a proof of how you dealt with this. Again, you can not prove any of the information mentioned in the past credit report data that I contested with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had a call earlier today FRI XX/XX/XXXX with a very helpful Navient agent. I was made aware today that payments to federal loans serviced by Navient not owned by The Department of Education were accruing daily interest XX/XX/XXXX - present. I thought a federal loan was a federal loan. Navient is not honoring the federal 0 % APR but are rather acting daily interest. I paused payment XXXX. Further, if a borrower elects to have Covid accommodations they would have required to be renewed every 30 days and that interest is capitalized and added back to the principal every time it is renewed. This is required every 30 days. When I found out and inquired about a refund of all monies paid since XX/XX/XXXX - XX/XX/XXXX I told I was entitled to it but processing a refund will put my account in some state of failure to repay and reported to a credit agency. I insist i would like to request a full refund of any payments made on federal XXXX subsidized and unsubsidized FFELP loans since XX/XX/XXXX. The amount comes to roughly {$2300.00} in payments. One notable lump sum was {$800.00} and roughly {$500.00} was applied to interest and I was never overdue. Ever. A refund of capitalized interest charges for payments pauses XX/XX/XXXX - XX/XX/XXXX would amount to {$1200.00} capitalized on XX/XX/XXXX and {$100.00} capitalized on XX/XX/XXXX. In no way did I expect that I had a federal loan that was not being in zero percent APR. In the middle of a pandemic I did not know that I would be penalized and have {$1300.00} ADDED to the principal of my loan for pauses relating to the coronavirus. All US press said federal loans were at zero percent. Literally I paid {$1300.00} in capitalized interest before resuming payments for the PRIVILEGE of choosing to begin repaying loans thinking I was adding monies straight to principal while federal loans were at 0 %. In all I have been scammed out of {$3300.00} - {$3500.00} under the guise of being a PARTNER with The Department of Education servicing a federal loan. When I tried to call back Friday XX/XX/XXXX the call center was closed. Previous emails closed the ticket and encourage me to call but the calls are circular, threatening, attack my intelligence and are demeaning. The agents state with dubious intonation that not all federal loans are owned by ED, yet, the only demarcations on paperwork is loan type ( subsidized or unsubsidized ) and repayment type. I strongly suspect my in school deferments also capitalized interest. Very ruthless organization. I had {$110000.00} in student loans and the only ones that are not paid off in 19 years were the ones serviced by Sallie Mae then Navient. This is not a coincidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: JPMORGAN CHASE & CO.
State: CA
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:
This is a typical experience I have been going through for years, but reached a new high this time. I have preserved the recorded phone message that I got an hour ago from ( XXXX ) XXXX " unavailable '', stating that Amazon received a purchase order for {$790.00} from me. I did no such thing and did not call the number back. I will independently try to contact Amazon later to ascertain whether such a transaction took place. Since I have not heard directly from Amazon, I feel that this is a spoof call -- but am not sure. I get dozens of these calls per week and, frankly, ignore all of them or hang up the phone once I do not recognize the number and/or listed " unavailable ''. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: EQUIFAX, 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:
I did not receive any investigation on the dispute. 

I do not know this company`s. I have never done any business with this company`s. These company`s does not have a contract with my signature. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ID
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: Problem with personal statement of dispute

Complaint:
In XX/XX/XXXX Usaa had an error for many users in its auto pay system. They told this directly to me. My payment was not collected and I was not notified about the missing payment. Typically I would be emailed a statement and then called several times before a 30 day period had passed. there system however never showed the payment as missed. The only reason I realized the payment had not been made was due to my credit score dropping about 150 points due to the 30 day late payment they reported to the credit bureaus. I immediately called and made my payment but even then they did not see the missed payment flagged and I had at that point already auto paid two other months. They offered to pay my late fees which they then realized didn't exist because the system never processed the missed payment as missed and then told me I needed to file a dispute with the credit bureaus in order to clear my late payment history and restore my good credit. I did this and waited the 30 days. They sent me a letter about 35 days later telling me they denied my request so I called them, the average hold time is about 40 - 120 min. The agent I called on the first second a third times over the next two weeks all told me that Usaa had indeed sided with me in the dispute and that my credit report should return to normal. Two days ago I called again on XX/XX/2021 because my consumer report that they told me to order to prove that my score would go back to normal still showed the late payment. I pushed hard with the agent I got and was able to escalate to an advanced soultions team who were able to verify that the letter they has sent me was indeed the ruling that usaa had made and that he wasnt sure why the other agents had told me otherwise and that he didnt know and couldn't find out why Usaa had ruled that way and that all I could do was file the same dispute again. I spent more than 14 hours of time on HOLD trying to talk to Usaa just trying to figure out what was going on and there is no other recourse other than this report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity was used to to open a XXXX XXXX  credit line. 

Equafax was notified it was fraud from the credit provider and it is still showing on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: EQUIFAX, INC.
State: NJ
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:
Hi. I made a large purchase of personal computing hardware and software from a couple different retailers. Approaching $ XXXX in total from the end of XXXX into XX/XX/2020. The three credit reporting agencies all dropped my excellent credit score by a significant amount based on these purchases. This complaint is specific to Equifax. 

I have excellent payment history with all of my credit cards and credit lines going back 15+ years. I have automatic payments set up from my bank account paying in full whatever statement balance there is every month. I never carry a balance on my credit cards. My payment behavior with my other creditors is similar going back at least 15 years - always on time, always in full except for one piece of property and one car which were financed for a few years, though, both of them are now paid off. 

I called XX/XX/XXXX about this and was basically blown off. The representative wouldn't discuss the issue with me except to recite that the credit score is based on their system. I couldn't get them to acknowledge what my problem even was.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Experian Information Solutions 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 information incorrect

Complaint:
Experian is reporting alate payments and although I have disputed this with them they continue to report it. The Credit CARD Act prohibits a creditor from treating a payment on an open-end credit plan as late for any reason. Experian claims that they have verified the information but yet XXXX and XXXX do not report these late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: EQUIFAX, INC.
State: GA
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:
Dear XXXX Equifax Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am writing to dispute fraudulent accounts that are on my account. I am a victim of identity theft. I did not nor was I aware of these fraudulent charges on my credit report. I am asking that these charges please be removed and that I will receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13

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 2021-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
On XX/XX/XXXX, I inquired about a car at XXXX XXXX XXXX, XXXX XXXX XXXX. I provided my information to begin working on a deal for this specific car. After they ran my credit, they informed me that the car had already been sold that morning. The car not being in stock would have nullified going forward with the process of running my credit but they proceeded to do it anyways. There was no resolution other than offering to find me another similar car, which they sent ONLY blurry pictures of, and no information such as mileage or price AFTER i reached out again for resolution.

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