BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In XXXX of last year, I was provided with a copy of my credit reports from my bank XXXX after applying for a loan for my business. The loan officer informed me that my rate was a little higher than expected because there were collections reporting on my credit report. I advised her that this was an error because I take great care of ensuring that all of my bills are paid as soon as I receive my statements and every bill is always paid early. She advised me to contact the credit bureaus, XXXX, XXXX, and TransUnion to dispute the accuracy of what they were reporting and I did that in XXXX and XX/XX/XXXX. After I notified them of their mistake in reporting items on my file that were not mine, they removed those items from my credit report. I recently applied for a loan again for my business from XXXX and it appears that they are reporting collection items on my credit file that does not belong to me again. I am tired of these credit bureaus reporting inaccurate collection items on my file. I want these items removed from my credit report because it is costing me in having a much higher interest rate than I should have.

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 2022-04-05
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX/ {XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: CITIBANK, N.A.
State: AZ
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:
XX/XX/XXXX - XXXX reported me being late 30 days for a payment that they had extended to the end of my loan due to the settlement I was going through with XXXX XXXX XXXX XXXX.
<P/> XX/XX/XXXX XXXX  reports FICO score dropped XXXX points same day as XXXX 30 day late report hit the bureau.
<P/> XX/XX/XXXX XXXX Credit Limit decrease ( never been late or slow on any payments and paid more than minimum amount ) XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Limit Decrease ( never been late or slow on any payments and paid more than minimum amount ) XX/XX/XXXX CBNA Credit Limit Decrease ( never been late or slow on any payments and paid more than minimum amount ) You see the affects of have a company 's false report affect someones accounts. I have never had any kind of late payment, slow payment, or missed payment on any account I have.
<P/>
Why are companies not being held accountable. They should be fined if they falsely report information and damage consumers credit. I now can not get my credit lines put back to where they are so it puts my utilization through the roof.
<P/>
Please help me. I do n't have money to go and hire a credit lawyer or anything like that.
<P/>
I have statements from XXXX showing that my account is in good standing and that it is paid off but they will not update my report.
<P/>
How can the damage that was done be fixed. All I get from the bureaus is that I need to rebuild my credit and let it take time, but i did n't do anything wrong. What is the remedy for this?

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 2017-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX   Contacted Capital One  to dispute the payments. Was not aware of this credit card and informed them that I did not apply nor receive the credit card  XX/XX/XXXX  Received letter from Capital One indicating the investigation determine that I was responsible for the balance of the credit card and demanded the payment due of {$9900.00}  XX/XX/XXXX  Received a demand letter threating to send this file to a lawyer due to non-payment (  5 pa yments past due )  XX/XX/XXXX  Received letter demanding minimum payment of {$1700.00} and stating they could send to collection  XX/XX/XXXX  Received letter agreeing for monthly payment of {$110.00}  XX/XX/XXXX  Sent a certified mail to Capital One disputing the decision that was made in  XX/XX/XXXX  and for not providing evidence that I had applied for the credit card. During that time I had loss my husband and was not in the right frame of mind to make any financial decision.    XX/XX/XXXX  Received letter fro m Capital One as accou nt was charged off and assigned to Recoveries Dept.    XX/XX/XXXX  Received letter via  XXXX   XXXX  threatening Legal actions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: TD BANK US HOLDING COMPANY
State: ME
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2019 I was researching the best price for a XXXX cell phone with multiple companies including XXXX, XXXX, XXXX XXXX, XXXX and XXXX. 
XXXX advertised a special price for the phone if you financed through XXXX. They directed you to fill in information to see if you would qualify for the financing and then you would be shown the " special price ''. The price was not as low as XXXX XXXX so I did not purchase the phone from XXXX. 

On XX/XX/2019 I received and email stating I now had {$4200.00} in XXXX credit through TD Bank. I contacted TD Bank and they refused to cancel this account. They said they would close the account, but would not cancel it since I had filled in information and that automatically means I am applying for the line of credit with XXXX. Apparently TD Bank will not allow a customer to find out if they will qualify for a loan/credit without actually applying for the loan/credit. TD Bank stated that this case does not fall under the Truth-In-Lending Rescission rule even though I contacted them well within the 3 business day time frame and have not received anything in writing describing this line of credit from XXXX that they claim I applied for. 

Clearly XXXX is also responsible for advertising misleading information causing customers to apply for credit without their knowledge when they believe they are only inquiring if they will qualify in order to be given the special price.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: AMERICAN EXPRESS COMPANY
State: AZ
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:
XXXX   -  XXXX  re ported me being late 30 days for a payment that they had extended to the end of my loan due to the settlement I was going through with   XXXX   XXXX   XXXX   XXXX  .  <P/>  XXXX   XXXX  reports  FICO score d ropped  XXXX  points same day as  XXXX  30 day late report hit the bureau.  <P/>  XXXX   Amex Credit Limit d ecrease ( never been late or slow on any payments and paid more than minimum amount )  XXXX    XXXX   XXXX   XXXX   XXXX    Credit Limit Decrease ( never been late or slow on any payments and paid m ore than minimum amount )  XXXX   XXXX  Credit Limit Decrease ( never been late or slow on any payments and paid more than minimum amount ) You see the affects of have a company 's false report affect someones accounts. I have never had any kind of late payment, slow payment, or missed payment on any account I have.  <P/> Why are companies not being held accountable. They should be fined if they falsely report information and damage consumers credit. I now can not get my credit lines put back to where they are so it puts my utilization through the roof.  <P/> Please help me. I do n't have money to go and hire a credit lawyer or anything like that.  <P/> I have statements from  XXXX  showing that my account is in good standing and that it is paid off but they will not update my report.  <P/> How can the damage that was done be fixed. All I get from the bureaus is that I need to rebuild my credit and let it take time, but i did n't do anything wrong. What is the remedy for this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I pulled my credit reports on  XXXX   XXXX ,  2017  because I was trying to obtain a mortgage. Then I noticed it stated that I had a collection fro m Credit Management f or  XXXX . This was news to me. I disputed it with the credit bureau because I have filed complaints with  XXXX  before and provided documentation. Further, I contacted Credit Management and although they had a collection for a  XXXX   XXXX , they did not have  one  for a  XXXX   XXXX  with a matching social security number. Therefore, I 'm sure why it 's on my credit. The credit bureau conducted it supposed investigation and left it on my credit as verified. I 'm confused because they have no record for a matching social security number.

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 2022-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I was a bank of America customer for over 5 years. My husband didn't have a bank account so I was using my account to deposit his checks, which gave me no issues. Th checks I was depositing for my husband were payroll checks from his job. 
My husband left this company and they gave him a severance check in the amount of {$6500.00}. 3 weeks after i deposited this check, Bofa closed my account due to the policy that reads I am not allowed to deposit third party checks ( keep in mind, I had been doing so for almost a year without any issues ) The balance i had in my account prior to depositing the check was {$90.00}, which BANK OF AMERICA SENT ME A CHECK FOR! THEY HAVE NOT SENT ME A CHECK FOR THE REMAINING {$6500.00}!!! 
So I accepted, i understand all banks have different policies and procedures and rights. 
This check was deposited in XXXX, every time i call the bank they tell me they are still authorizing the check. At this point i believe they don't even plan to give me the money that was already cleared in my account! I have contacted the issuer of the check several times who tells me the check has cleared on his end and the funds have already been taken out of his account. 
Bofa is treating as if I've committed fraud! PLEASE HELP ME RETREIEVE THE CHECK!

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 2021-05-17
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 status incorrect

Complaint:
XXXX and Equifax have the same accounts. Why is Equifax credit reporting different point than XXXX. It is not accurate. XXXX should be accurate with Equifax. It's the same accounts. Theses disparities must stop. I attempting to remedy this error by filing a complaint. Hopefully XXXX and Equifax will be on the same page.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Bread Financial Holdings, 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 information incorrect

Complaint:
I have a XXXX account that shows I had a missed payment. I did pay all months and have bank statements to show that I did pay. Its significantly affecting my score and Im in the process of trying to get a loan for a house thats in my family. I also show that I have a XXXX  XXXX collection account thats been double reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
Company: CL Holdings LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX Account was opened on XX/XX/2019 XXXX XXXX I have never had an account On on XXXX credit buearus as a collection Amount {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Amsher Collection Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company continued to make back to back calls to me on the same day. They continued even after I asked them to stop. I told the representative that I had paid {$20.00} on the account and would call back to pay the balance. That did not stop them from calling. 

On XXXX I called to pay the balance of {$78.00}. They wanted me to pay a {$5.00} processing fee which I did not want to pay because of the way they had previously treated me. They were upset because I did not want to pay the fee. I called XXXX and paid the balance of what I owed ( {$78.00} ).  There was no fee involved. 

Amsher Collection Services , Inc. turned the {$20.00} over to the Credit Bureau to have it placed on my account. This amount was paid by check previously to XXXX directly. This is for a watch that I let someone else use that did not pay the bill. I could not even remember the passcode to get information from XXXX because I had not had the watch in so long. That is also one of the reason I could not find the check ( {$20.00} ). I do not get copies of my returned checks. If XXXX did not receive the check. I will pay the {$20.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: Alpha Recovery Corp
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called to settle the account out, the collector offered me a settlement around 2700.  He put his manager on the phone who then offered a higher settlement because I was n't willing to pay within the next 3 weeks. I was offering the settlement byXX/XX/XXXX He told me that I was going to be a noted as a refuse to pay. I tried to explain to him that I was willing to pay the XXXX that was offered by XX/XX/XXXX. I then requested a settlement offer in the mail, he then told me no and that the company already sent me mail regarding this. He then told me if I was n't willing to pay inXX/XX/XXXXI 'm a refuse to pay. I told him I 'm willing to settle in XX/XX/XXXXand I would call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
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:
I have asked several times for these inquiries to be removed from my file I have a fraud alert and did not give XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX permission to run my credit ... I am a single mother of XXXX girls and it is hurting us to get furniture and other necessities because these businesses took advantage and ran my info.. PLEASE HELP US!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021 I became the victim of wire fraud. 2 wire transfers 1 ) from XXXX XXXX for {$10000.00} and 1 ) Chase Bank for {$2700.00}. Luckily the receiving bank XXXX XXXX had placed a hold on this particular account due to fraudulent activities. On XX/XX/2021 I was able to recall {$10000.00} from XXXX XXXX but unable to get Chase bank to cooperate and or initiate a Indemnity/hold Harmless letter requested by XXXX XXXX for the recall. I have spent countless of hours via phone calls, secured messages, XXXX Branch visits and not one single person has any knowledge of a hold/harmless letter. XXXX XXXX informed me this morning that I have until XX/XX/2021 to submit this letter or I will lose my funds. Please be advised ... it took XXXX XXXX XXXX 20 minutes to provide me with the XXXXndemnity hold/harmless letter. I have been trying since XX/XX/2021 to obtain said letter to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Approximately  XXXX   XXXX ,  2017  I sent a copy of a certified letter and a copy of a returned mail to Equifax stating and showing they are reporting inaccurate information so I asked them to delete the account and information. The envelope was addressed to  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: SYNCHRONY FINANCIAL
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: Old information reappears or never goes away

Complaint:
XXXX inquiry XX/XX/XXXX XXXX still shows on my credit report. Can it be removed? 

XXXX inquiry XX/XX/2021 still shows on my credit card can it be removed? 
SYNCB/PayPal XXXX still shows on my credit report can it be removed please.

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 2017-06-09
Company: Chaplain Financial Services LLC
State: DC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is in response to a prior complaint, number  XXXX  to which the company insufficiently responded. Their response was : " We sent all needed information about each account. Consumer was not satisfied with his findings. We are asking if the loans were paid to only provide us with paid documentation. '' In fact the needed information for verification was not received. That information should include in writing : 1 ) The exact name of the original creditor or successor 2 ) Their mailing address 3 ) Dates of alleged loans, loan numbers and specific amounts together with any payment history Absent receipt of this specific information in writing, we will consider this matter closed.

Company response to consumer: Closed with explanation