BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$540.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I 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. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -This is not my account.

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 2017-06-20
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been using this credit card for over 15 years in good standing. Recently my daughter ( who is an authorized card holder ) was travelling and when she tried to use her card it was declined. She was stranded away from home without the ability to use her card for necessary purchases. When I contacted the company they only said that it was closed for " security reasons '' and would not be able to give me any more details. I have no idea if any fraud or other criminal activity was perpetrated on my account and I do not know if my ID has been compromised, since the company will not give me any further details. I also do not want any negative information to go to my credit report without my ability to even defend myself.

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 2022-09-08
Company: ALLY FINANCIAL INC.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I was behind XXXX payments on my car because of personal issues. I travelled overseas to take care of my mother who was on her final days. While I was there, I tried to make a payment online and I was not able to. I called Ally financial and sent them so many emails which I will attach. I called the company so many times and the phone was hanged up. I came back XXXX days ago and my account was charged off like XXXX days before I arrived. When I contacted Ally, I was told by customer service that I was irresponsible and nothing can be done. They were so mean.

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 2017-06-20
Company: Experian Information Solutions Inc.
State: IA
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:
XXXX has mishandled my funds. They have entered over 300 entries to my account instead of just 12. The resulting errors which are obvious by the amortization schedule. As a result, XXXX has falsely reported information to the various credit agencies. It does not reflect my exceptional payment record, reports delinquent amounts and overstates my balance. XXXX refuses to accept the amortization schedule and yet will not provide me anything, other than 30 pages of false entries made to my account. They have manipulated a simple entry.

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 2017-06-20
Company: EQUIFAX, INC.
State: IA
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:
XXXX has mishandled my funds. They have entered over 300 entries to my account instead of just 12. The resulting errors which are obvious by the amortization schedule. As a result, XXXX has falsely reported information to the various credit agencies. It does not reflect my exceptional payment record, reports delinquent amounts and overstates my balance. XXXX refuses to accept the amortization schedule and yet will not provide me anything, other than 30 pages of false entries made to my account. They have manipulated a simple entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: Upgrade, Inc.
State: MI
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:
When covid first started I called after and asked for a defferal. I was given a partial payment defferal of XXXX a month. I paid it on time every month. Around XX/XX/XXXX I called because my credit report showed that all my payments were reporting as late for all of the defferal months. They told me that this was a common mistake and they would fix it. In month or two it was reporting as it correctly in deferral and on time. Around XX/XX/XXXX it was back on there again. I called them again and they said they would straighten it out. They fixed it again and it was shown in defferal status, around the beginning of XXXX. I called in end of XXXX for an extension of the defferal. It was supposed to end XXXX. They granted me another defferal for XXXX a month. I went online in XXXX to pay my account on their website. It showed that my account was charged off and the full balance of XXXX and some dollars was due in full. I called them and they said it was nothing they could do but settle, the whole balance for XXXX percent of it. I told them I did not have that kind of money. I also checked my credit report and it showed that I was never in a defferal and all the lates were on there from XX/XX/XXXX. It was showing that I have not paid in over six months. I am also trying to refinance my house because my covid forebearance is ending. I can not due to my credit score and status. My credit score had been over 700 before this. I am bow in the 500s. I also just went on and paid them the full monthly payment of XXXX for the past couple of months on time. They told me that they never agreed to an extended defferal. But I also made the regular payments on time and they still charged the account off and messed up my credit. I have the proof to show.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: AXOS FINANCIAL, 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: Account status incorrect

Complaint:
Axos Bank ( aka " XXXX '' ) reported a 30 day late on my credit for XX/XX/XXXX. 

I mailed a check to Axos for {$7000.00} on XX/XX/XXXX. This was for two payments : one which was due on XX/XX/XXXX and XX/XX/XXXX. They didn't process this until Monday, XX/XX/XXXX, after the holiday weekend ; resulting in a 30 day late on my credit report. 

Historically, my checks sent via USPS to Axos were processed within 3 business days. I sent my check on XX/XX/XXXX -- providing ample time to accommodate holiday related disruptions with USPS and Axos staff on vacation. 

Given my check was processed on Monday, XX/XX/XXXX, it is evident the holiday weekend paired with USPS holiday congestion/Axos work hours were an unfortunate confluence of events that have penalized my credit dramatically. 

I spoke with an Axos representative who assured me this minor error would be forgiven with goodwill considering the obvious " force majeure '' effects of a COVID holiday and reduced Axos staff / banking hours. 

NOTE : I have since paid Axos off in full, and no longer have an open account. I'd like to do business with them again, and I'd expect some goodwill here considering the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Experian Information Solutions Inc.
State: IA
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:
The following collections account and debt listed on my XXXX XXXX, Experian and XXXX  credit report is a fraudulent account and debt : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, {$1200.00}, I been receiving phone calls of harassment, profane and abusive language from XXXX XXXX XXXX XXXX which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Iowa state law. The following credit inquiries listed on my XXXX XXXX, XXXX  and Experian credit report are fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and 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 2017-06-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is regarding a year of continuous complaints. I contacted XXXX and they said, they sent a letter to all three credit bureaus to DELETE account # XXXX. As I stated at first, this was not my account and all three credit bureaus still claimed this debt was verfified. Which is untrue. This was a fraud accont that had a different address with my personal information. After all three credit bureaus stated, I need a police report. That was untrue. I called XXXX 's CEO and they immediately sent the following letter. The letter is attached. Please note : With this unfair alledge verification the credit bureaus claimed they did for months has caused a 71 point drop in my score. And it should have never been. This account should have been deleted a long time ago. If it was it would not have damaged my credit and life. Because of this, it has caused havoc of me not receiving adequate 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 non-monetary relief
Consumer complaint received 2017-06-20
Company: BARCLAYS BANK DELAWARE
State: NY
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 cash advances

Complaint:
Re : Barclay Bank XXXX card : I wrote out a " 0 % '' cash advance check in the amount of {$6500.00} to an individual that turned out to be a fraudulent individual. The check was written out and handed to him on Friday, XXXX XXXX at XXXX XXXX I immediately called Barclay Bank to inquire if I could stop the check. I got right thru to a customer service agent in the U.S. He said that they could n't stop it as it had n't yet appeared on my account.but not to worry, that it would take 7 - 10 business days to clear and that I would have plenty of time to stop it the following week. I asked again, are you sure I can stop it? Not a problem, definitely would not clear before 7 - 10 business days. That Monday was a legal Holiday, XXXX XXXX, i could n't call on Tuesday because I was working. On Wednesday, XXXX XXXX - I spent 4 hours! I repeat 4 hours - trying to get thru to the credit card customer service. I even called XXXX XXXX and they connected me finally - completely panicked. I could no longer reach a customer service in the U.S. I was told the check already cleared and that there was nothing they could do to help me. These are the complaint records : XXXX, XXXX XXXX ( Agent ) and Barclay Card XXXX - ( Agent ) XXXX - Case # XXXX. I just googled Barclay Bank to see if I could reach the corporate office. I see the Breaking News that they are in the headlines for fraudulent practises.

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 2022-09-08
Company: EOS Holdings, Inc.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
A few years ago I had a private student loan payment with a debt collector called XXXX XXXX. It went to a debt collector because XXXX XXXX XXXX went out of business, and I was unable to locate them to set up repayment after I graduated. I paid XXXX XXXX XXXX for a little over 10 years, and no interest was accruing at the time. I had to get a new debit card, and unfortunately my payments were being taken from my old one, so I defaulted. I called to set up payments as soon as I realized a few weeks after the missed payment, but they had already sent it to another collection company, EOS CCA. EOS CCA sent me a bill for thousands of dollars over the amount I owed with the previous company, so I stopped payment with them, and requested the promissory note they have on file. It shows that I only had a loan for {$10000.00}, which is the amount I had already paid to the previous company. They are claiming that the over {$13000.00} they are trying to charge me is for interest. I sent them a dispute letter, along with all of the documentation I have as far as payments I made the the previous company and the promissory note via fax and mail. I received another bill from them this year, for a much higher amount, and I called them in XX/XX/2022 to ask about the balance, and tell them that I had already provided them with documentation that says I do not owe this money. They want me to resend it, and I am confident they are going to keep " not receiving '' my dispute documents until I get someone else involved. They refuse to contact the previous company for the payment information, and to put it on my credit report so I can send the documentation to XXXX  for a proper dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
State: MI
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 sent letter to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Bankruptcy : Discharged XXXX Reference number : XXXX XXXX XXXX  XXXX XXXX {$480.00} XXXX  XXXX XXXX  XXXX Balance {$520.00} Original Creditor : XXXX XXXX XXXX Balance - Preferredl XXXX Balance {$3700.00} XXXX XXXX XXXX Balance {$510.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Incomm Holdings Inc.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My original complaint was filed with Consumer Financial Protection Bureau complaint on XX/XX/XXXX. I contacted their office Incomm Financial on XX/XX/XXXX, disputing an unauthorized charge made to her card. I returned the completed dispute packet to their office by XX/XX/XXXX. The company claim that the complaint has been finalized in my favor as they sent a replacement card for the amount of {$100.00} is being issued to my address that arrived via XXXX XXXXXXXX. I received the replacement card on XX/XX/XXXX. I attempted to activate the replacement card using the information that they provided with the card. I am not able to activate this card, add a personal pin ID number to this card or check for any existing balance on the card as each time I try to do any of the above, I am told that the information provided on the card is invalid. I have tried to activate the card online and also by phone. I am starting to think that this company may be fraudulent. I am not satisfied with their response and feel that the complaint filed on XX/XX/XXXX has not been resolved as they have not provided a replacement. Please, consider further action. 
Thank you kindly, XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Just when I thought this company could not get any worse they find new ways to surprise me. Ive been working to get a transfer of equity finalized for years. They finally initiated the process communicating with both me and the buyer advising everything is complete they sent in the mail and uploaded.

When the contract arrives it says Im adding the applicant mind you is not family or anything to my account which is not what was discussed with either party prior to them pulling his credit excessively and multiple reps advised when I called in this is an absolute mistake my account says transfer completely and add. This is a mistake on their part they have the redo the whole contract please allow 48-72 hours. I call back they say they will upload by the end of the day. 

I sent back the title transfer and pieces relevant to the transfer in the mail. I again call as I have not received they say it is being completed as we speak check back tomorrow. Tomorrow comes not done. I call again they are still working on it ok no problem. Today at XXXX XXXX  I get a call from a rep with an attitude sounded like she said XXXX that does not identify the company just says Im calling from the transfer department guess I was supposed to connect dots on my own as I almost hung up. She says you know we are adding him as a co-signer to your loan right? 

No XXXX about 9 different reps stated otherwise and why would I add a complete stranger as a co-signer for me? For a loan Ive already had for years with zero change in terms???????? Not only was that not what was advsied on multiple occasions thats not even what was requested by any means on the application or questionnaire it clearly states transfer from me to him. You guys wasted months of my life, communicated my personal information to him which I would not have authorized had I not been advised almost a dozen times it was your mistake you are fixing. 

Additionally XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were on an extension. I was not late and these need to be fixed if either are not complete I intend to spend every dime that I have exhausting every legal recourse against Ford Motor Credit Co because I have had enough.

Enough is Enough!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-20
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I use a company called XXXX XXXX that lets me borrow against my own pay from work. My bank isnt properly communicating with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: ENCORE CAPITAL GROUP INC.
State: CT
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 company is attempting to collect a debt from me and has reported this debt to the credit bureaus. The problem is this company has yet to provide verification of this debt. I have no idea who or what this debt is for and I have no contract with this agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
The following collections account and debt listed on my Trans Union, XXXX and XXXX  credit report is a fraudulent account and debt : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, {$1200.00}, I been receiving phone calls of harassment, profane and abusive language from XXXX XXXX XXXX XXXX which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Iowa state law. The following credit inquiries listed on my Trans Union, XXXX   and XXXX credit report are fraudulent and unauthorized : XXXX XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and 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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Waiting for information about how they did they're investigation and delete other addresses and names that are not mines

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