BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
State: AL
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 do not recognize any of these inquiries listed on my credit report when I checked. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 do not recognize any of these inquiries listed on my credit report when I checked. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX 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
Consumer complaint received 2023-01-23
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:
I appreciate you taking the time to delete some of the information in my credit file ; however, there are still items that need to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope the following disputed items will be repaired immediately : 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 2015-07-21
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I WAS CHARGED A HIGHER INTEREST RATE BY HONDA FINANCIAL SERVICES BECAUSE I AM XXXX AND WAS DISCRIMINATED AGAINST AND WAS ALSO CHARGED GAP INSURANCE WITHOUT MY CONSENT AND TOLD I HAD TO HAVE IT IF I WANTED THE CAR. THIS ALL HAPPENED AT XXXX XXXX OF XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: Convergent Resources, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company is ONLY calling me AT WORK. They have n't told me who I supposedly owe money to, which is NOONE. I discharged a Chapter XXXX Bankruptcy for medical bills XX/XX/XXXX. All other medical bills, since XXXX XXXX, XXXX fall under the Washington State Crime Victims Compensation Plan, which also specifies that NO DEBT CAN BE COLLECTED FROM THE VICTIM. No collection attempts are allowed by law. I have received NO MAIL, NO attempts other than calling me at my place of business. I have no clue what they think I owe, but I have been more-than-on-top of my bills since I filed BK in XX/XX/XXXX. I do not owe what they think I owe, nor do I even know what they think I owe. This is a clear violation, they have not even attempted to send me a letter or bill for me to dispute and send a copy of the crime victims compensation plan and protection XXXX from the XXXX. If they touch my credit report, I 'm calling a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
About two years ago I cashed in a CD that I had with Bank of America. It was relatively small, around {$5000.00}. Being fairly poor though it was my life savings. I understood that by cashing in early I would lose the interest earned. That was what I agreed to when I set up the CD. My son had found a one time opportunity to buy something that he could almost immediately resell at substantial profit. I told him to spend the {$2000.00} he had on the goods and that I would replace the money from my CD. Once he spent his money it was critical that I follow through and reimburse him so I no longer had any choice on cashing in. When I ended the CD I was stunned that the bank penalized me over {$300.00} for the early withdrawal. The total earned interest was under {$60.00}. I was told that the bank had unilaterally changed the terms and was now penalizing me based on principal, not interest. I reminded them that I had never agreed to change the terms. They said they had sent notice but I never got one. I read correspondence from the banks when it concerns my money. I absolutely never received or agreed to this change in our agreement. I wrote XXXX letters to B of A about this and never received a response. In anger I closed my accounts with B of A and moved them to a locally owned bank. When I told them about being charged over {$300.00} for cashing in my CD in the XXXX month of a XXXX month term they said I had to be mistaken, no bank would do that. While I waited they called B of A and were stunned to find out that it was in fact true. Since that time I had to cash in CD with the new bank when my mother got sick and I had to travel to visit her. My new bank also had to penalize me for early withdrawal from a CD of the same amount. In this case it was XXXX months early. Their fee was XXXX. Yes XXXX. XXXX of the fee charged by B of A. That bank robbed me as surely as if they mugged me on the street. I 'm XXXX and live in poverty on Social Security XXXX. Please get my {$300.00} back from those heartless thieves at B of A.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
As part of the global pandemic, my hours were cut in half. In response to that development, I began contacting creditors to ask for assistance. Capital One has prominently featured on their webpage that they will offer COVID assistance. I called and the automated voice informed me that the wait was 30 minutes. So, after a few more attempts to speak to a human, I wrote a letter. I received a letter in response telling me to call. I called and spoke to a representative who said she would defer XXXX and to call back in XXXX if things had not improved and they would defer XXXX. On XX/XX/XXXX, I logged into my account to prepare for the phone call, I was surprised to see a hefty interest charge, a late fee and my account was flagged as overdue. I called and got a representative who was difficult to communicate with and she informed me that they could not go back and remove the past due amount. She admitted that she saw I called but she could not help. She said they would not lower the interest rate. She also told me if I paid XXXX 's payment today - GOOD NEWS! they would remove the late fee. She told me that the account was going to be flagged as past due and she was sorry but there was nothing she could do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-08
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This account was opened in my name in XX/XX/XXXX the debtor saying I opened this account in XX/XX/XXXX a a false statement I been fighting with this for XXXX years. Jeffcapsys {$3500.00} Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Please see uploaded documents, specifically the entry entitled Bank of America my documents 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 2023-01-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous request & I am including it again., 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 : {$83000.00}, XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: CARD Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I opened an account with card.com and I was happy with my account and I didn't have e a problem using my card! I had a direct deposit from my job of {$4200.00} Card.com with out notice or calling me or anything they froze my card and they said they only needed to verify my identity through documents! I saw the email and I immediately sent all the documents they asked for! Then there next excuse was they couldn't see it! So I did what they asked and re-cent the documents in the form that they asked and they couldn't do anything for me they just closed my account and they couldn't explain why either.i did everything they asked to verify my identity. I would like to be reimbursed for the money that was taken from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I am writing to let you know that Equifax is violating the Fair Credit Reporting Act because they have failed to remove an item on my credit report that is in dispute. I previously disputed a collection with XXXX, account number XXXX because I was n't sure what the account was for. Equifax was the only credit bureau to verify it, as XXXX and XXXX deleted it. But I did n't have time to file another dispute because I am in the process of getting a mortgage and the statement of this item being in dispute needed to be removed. I am not sure why Equifax removed the statement of being in dispute on XXXX other accounts, but not this XXXX. I even called in and they gave me confirmation number XXXX and to call XXXX XXXX XXXX XXXX to check on status. Now when I checked my credit report, the statement of dispute is still on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I called XXXX, transunion and XXXX credit bureau to dispute a incorrect address thats on my credit file and they told me it is undisputable.

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 2020-08-13
Company: ALLY FINANCIAL INC.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I never received information on when my vehicle will be repo. I called Friday to see if I could get pym arrangements or put pyms on hold due to Covid19 and was refused. Tuesday my truck was picked up. No letter in mail no email no phone call saying I have until this time to that time to make pym or vehicle will be repossessed.

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 2017-07-03
Company: Santander Consumer USA Holdings Inc.
State: OH
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:
Company ran my credit report with out authorization on XXXX XXXX and XXXX XXXX 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: PNC Bank N.A.
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: Investigation took more than 30 days

Complaint:
BBVA was bought by PNC I paid XXXX every month through auto pay with XXXX to BBVA on the XXXX of each month. Then all the sudden without my notice PNC incorrectly change my account to be Escrowed which I didn't give in consent to do. which this resulted in my normal payment of XXXX to go to over XXXX so the XXXX was short and I was unaware of bc they had an incorrect address on file. I continued to pay theXXXX being unaware and finally was contacted and explained the situation to PNC so they switched it back to XXXX but during the weeks and at least 10 calls they somehow still in correctly reported me 60 days late.?? which is strange because there is no 30 day? 
I have all my statements and documentation that I made every payment on XXXX of every month.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I sent a certified letter to all three credit bureaus disputing derogatory posts on my credit report from two different creditors with no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2022, around XXXX XXXX, I transferred money from my JPM Bank account to my XXXX  XXXX XXXX account. Noticing I didn't receive a notification of transaction, I contacted JPM Bank to see what had happened. Then the JPM Banking representative confirmed it has been moved to an account on a number I no longer had but it was mine prior. On XX/XX/2022 I changed my phone number and I changed it to my account on both parties, however, JPM Bank did not update my information and sent the money to the wrong party. After this incident I had multiple contacts with a lot of JPM Bank representatives, including a supervisor, that refused to help me further in investigating and they stated that it was my fault for making the transaction. I was left with no answer. I called several times and all of the calls were terminated on me. Again, I was left with no answer or help. When receiving a letter from JPM Banking, I got proof from the bank stating it was sent to my bank account on XXXX  XXXX XXXX but my bank statement says otherwise, since I never received the transaction. Furthermore, my case was open and closed several times. On XX/XX/2022, a JPM Bank representative stated that he would re-open my claim and I would be able to fax documents, one stating that I have received a letter from JPM Banking of the claim and another one that would prove that the phone number the money has been sent to was mine. On XX/XX/2022, while trying to fax the documents, another JPM Banking representative refused to get the fax documents and stated my claim was closed, again. I have had enough patience regarding this matter. For almost a month I have been trying to dispute and fix this matter and I still do not get an answer nor do I get the claim open with any further information or proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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:
Inquiry from Credit Acceptance Corp/CAC on XX/XX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit 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 2017-01-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient, the nation 's largest servicer of student loans, has for years misled borrowers and made serious mistakes at nearly every step of the collections process, illegally driving up loan repayment costs for millions of borrowers, according to lawsuits filed on Wednesday by a federal regulator and two state attorneys general. Navient handles {$300.00} XXXX in private and federal loans for some XXXX XXXX people -- touching about one in four student loan borrowers. Every customer may have been affected by Navient 's misdeeds. Navient does not make the loans, but it holds lucrative contracts to collect payments each month on behalf of banks, government and other lenders. Navient mishandled loan payments, buried critical information in fine print and set obstacles for borrowers trying to release co-signers from their loans, among other failings, according to the consumer bureau 's legal filing. I attend XXXX XXXX XXXX, I am overpaying for my student loans and can not afford them. Navient is not willing to work with me and grant me any type of student loan forgiveness or a forbearance. XXXX XXXX inappropriately charged a 5 % late fee when certain borrowers missed a payment. I was not helped nor was I given any repayment options to get a lower payment. Now I am being forced to lose everything just to pay my loans. The reps are so nasty and mean and have no remorse for you or your situation as if it is them paying the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Possible Financial Inc
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 information incorrect

Complaint:
Posssible finance is reporting inaccurate information on my report. Please look into this matter and have this account removed from my credit files

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ive disputed the debt to XXXX its TransUnion TWICE and they continue to tell me the debt is accurate. This debt has been paid off since XX/XX/2020. XXXX can confirm payoff as Ive called them And they have stated that the bureau is supposed to remove the debt because it has been paid. TransUnion has not effectively and thoroughly investigated this by FCRA 611 standards and this debt needs to be deleted as it is already paid off.

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 2017-03-22
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I moved out of my apartment XXXX/XXXX/XXXX and in XXXX I received a bill from a debt collector requesting payment of {$350.00} from XXXX XXXX XXXX stating that the XXXX & XXXX disconnect date was XXXX/XXXX/XXXX at the same location that I had moved from. I had never received any bills attempting to collect from XXXX & XXXX in three years until I received this collections bill in XXXX. I contacted the collections agency and advised that I turned my service off with XXXX XXXX XXXX on XXXX/XXXX/XXXX, they advised me to get proof that I had moved, I got the proof from the leasing property management that shows the date I moved and mailed it to the collections agency. I called one week later to verify that they had received the document and they advised me that XXXX XXXX XXXX still wanted them to collect and to keep it as a valid debt due. I called XXXX & XXXX and was told that they do not accept proof such as a letter from the leasing company documenting that I had moved. I asked them to pull the record of the call where they were to disconnect the service and I was advised that they could but most likely would not do it. Even with proof that I was not residing at the apartment, they refuse to help me and are attempting to collect a debt that is not mine.

Company response to consumer: Closed with explanation