BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Reporting a bankruptcy that does not belong to me it belongs to someone else with a similar name as 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 explanation
Consumer complaint received 2023-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have a Bank of America credit card which I've had for over 20 years. I always pay my balance in full. In XX/XX/XXXX I saw a promo for 0 % APR balance transfer until XX/XX/XXXX. I transferred {$8000.00} and paid the 4 % fee of {$320.00}. I paid my balance in full for purchases in XXXX, XXXX and XXXX and just realized I was being charged interest. When I spoke with several people at BofA they said I had to pay the full balance, including the {$8000.00}, each month to avoid interest. I can not fathom how that is the case. I would never have transferred the money knowing they would charge interest on it, despite their big bold type claims of 0 % APR in until 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 2021-11-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I sent in my police report to XXXX XXXX and equifax and they have not removed the illegal and inaccurate information that is reporting on my file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo charged me excessive over the limit fees when i had account open

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 2023-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the agency didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U. S. Code 1681i ( 5 ) this account is in violation of not reporting accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: JPMORGAN CHASE & CO.
State: VA
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 noticed that 1 week ago, my credit score has dropped by a lot. My credit score used to be a very good score and it just decreased. I found a credit account called JPMCB Card. I saw that it was opened in XX/XX/XXXX by using my personal information without my authorization, which affects my credit score. I never created it or used it so I contacted the company, JPMCB at XXXX on Thursday, XX/XX/XXXX, at around XXXX XXXX. The guy I spoke to transferred the line to the fraud department and they promised to investigate it and try and close it. Though, it still appears to be there. Yesterday, XX/XX/XXXX, I contacted XXXX XXXX XXXX department and Ive been told that this credit account, JPMCB, doesnt appear in their system and they couldnt do anything to help. I also wanted to let you know that Ive experienced fraud once before with my debit card. Im worried that my personal information was leaked since then. I appreciate your support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
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:
XX/XX/XXXX Equifax removed XXXX XXXX # XXXX from my credit report due to a dispute I filed proving I am not the owner of this account. This account belongs to someone with a totally different middle and last name. I provided sufficient identicication proof that the XXXX XXXX account is a mistake due to credit file merging. 

on XX/XX/XXXX XXXX XXXX # XXXX was added back to my Equifax credit report along with the name of the owner of the account in question. 

Proof of Equifax XXXX and Police report attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
When I originally purchased the vehicle in XXXX the car dealership charged me for an additional XXXX insurance policy which I did not request. After noticing the charge on my bill of sale, I contacted the dealership and the dealership refunded the amount which was approximately {$3000.00}. The refund was sent to Ally who should have subtracted the {$3000.00} from the original financed amount and re-calculated the interest fees pursuant to a loan for approximately {$3000.00} less. 

The dealership did not send me a refund for {$3000.00}. Instead they sent the approximately {$3000.00} to Ally who, at that time applied the entire approximately {$3000.00} to the interest fees that were already established on the account and told me that I did not have to make a payment until XXXX of XXXX. 

Now that my car has been totaled, the insurance has paid the car off ; Gap is refusing to pay because Gap is stipulating that Ally owes me approximately {$6000.00}. Ally is stipulating that I still owe a remaining balance of {$2300.00}. This issue would be resolved if in XXXX of XXXX, Ally would have put the approximately {$3000.00} refund toward the principal balance and subtracted unnecessary interest fees due to the smaller necessary amount requiring financing. I would like Ally to recalculate the interest fees that were erroneous and should have been recalculated at the time the lump sum payment was issued ; and/or certify that the approximately {$3000.00} should have been utilized and subtracted from the principal balance as opposed to the interest fee balance ; because it is obvious that the approximately {$3000.00} was applied to interest fees entirely in error. The car has been paid off and Ally is still claiming that I have an outstanding balance due to Ally 's error in 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 2023-04-05
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/ I signed a note disclosure statement with XXXX Bank. The amount financed was for {$20000.00}. The annual percentage rate of a cost yearly credit was 10.470 %. The finance charge was listed as {$47000.00}. My total amount that I am to pay to the lender after the payments scheduled is {$67000.00}. My concern comes in form of the variable rate ( APR ) that I was forced to sign. On my disclosure statement, I was to chose one index rate that determines the APR. At that time the LIBOR Index Adjusted monthly was most favorable. However, based upon a recent article the LIBOR index will no longer be used. At this time, I feel my lender misled me with harmful information that affected my financial decisions. 

https : //www.consumerfinance.govXXXX 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 



The lender no longer services my account. My payments are based upon a variable rate. On my signed document I was to chose ( 1 ) annual percentage rate option

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-04-29
Company: Experian Information Solutions 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:
I have no a knowledge of this account according to the FCRA This item must be removed

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 2022-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I've been having fraudelent activity on my bank checking account withdrawals I didn't do or authorize. They are all withdrawals from Bank of America atm. I discovered this started happening in XXXX at the end of XXXX. There are multiple claims I filed and was given temporary credit. The bank now says after researching that I am responsible and it will take back money that I was credited. I did not authorize any of these withdrawals and no one has access to my account. I received a new card from bank and it happened again ( withdrawal from my bank ). I also checked my credit report and there are multiple inquiries I didn't apply for. The first is XXXX XXXX XXXX inquiry date XX/XX/2021 and XXXX XXXX XXXX XXXX date XX/XX/2021.

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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have no a knowledge of this account according to the FCRA This item must be removed

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 2023-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I moved to a new state in XX/XX/2023 and in order to update my registration and get a new license plate, the DMV is requesting I have my loan agreement. I called capital one in XX/XX/2023 requesting this document. They said i

t takes 7-10 business days to send. I waited the 10 business days with no sight of the document so I called back. The next person confirmed the first representative did not process the request and did it again ( restarting the 7-10 business day wait ) during this time my previous registration e
xpired in XX/XX/2023 so this delay has caused me to drive with expired registration in an incorrect state. 
Another 7-10 business days passed and I still did not receive the document. I called back a third time and they said they will try to send again and to wait another 7-10 business days. It is now XX/XX/2023. There has been no urgency to assist this issue and when I called back a 4th time today to check on the status the gentlemen told me he didnt have access and hung up on me. I am running out of options and this delay is causing me to drive illegally due to the negligence of capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: WI
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:
A collection account under the name XXXX XXXX XXXX has show up on my credit reports. It says it is for XXXX XXXX which I have never done business with. I never received a letter giving me 30 day notice of the debt. I have called and they where asking for more personal information from me I was unwilling to give. I am in the middle of a mortgage refi and this is holding up the process and needs to be removed asap.

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 2023-04-07
Company: FIRST PORTFOLIO SERVICING INC
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for this credit card on XX/XX/23. I received an email requesting that I fax in a copy of my ID SS card and a bank statement with my address. I've called multiple times to get an update on the status of my application and always get the runaround. Today the representative at total select said there was no application on file they sent me an email ( which he could not resend or mail actual correspondence ) and stated I needed to reapply and there was nothing else he could. 
I want an explanation about my application and WHO has my personal financial information. I faxed in my driver 's license, my social security card, and a FULL bank statement. This seems a bit fraudulent since now they can't find my application or answer to why I received an email

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Resurgent Capital Services L.P.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
A collection account has been added to my credit profile by LVNV FUNDING LLC. XXXX discharged this Debt. I am also paying the original Debt to the XXXX XXXX XXXX. This Debt had no right to be sold. I became disabled when I had this account and informed XXXX that I was enrolling in XXXX XXXX XXXX in XXXX  because I could not work. I have seen this Debt three different times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: CCS Financial Services, Inc.
State: NC
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:
this is inaccurate information thats reporting and i want these to be removed im a victim of identity theft and wasnt my consent ive also check the credit reports and the dates are not the same so on the credit bureau by law has to be removed because its proven isnt mines and not my consent and it has different dates

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Credit International Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit International Corporation XXXX XXXX XXXX XXXX, WA XXXX The company above reported a Corporations Possible Liability to my personal credit. 

Credit International Corporation is a collection agency acting on Behalf of XXXX. 

XXXX processed a check for XXXX XXXX XXXXXXXX XXXX that we received from a customer, XXXX XXXX XXXX. XXXX XXXX put a stop a payment on the check after the check was cleared by XXXX. XXXX notified us after 3 months that there was a stop payment placed on the check. XXXX XXXX XXXX promptly filed a criminal complaint against XXXX XXXX with XXXX XXXX XXXX 's Hot check division. We informed Credit International Corporation about the ongoing criminal investigation. 

XXXX XXXX XXXX XXXX is not a sole proprietorship but a Corporation. XXXX, Processed the check in question, on behalf of XXXX XXXX XXXX and not on behalf of XXXX XXXX. 

Credit International Corporation has been harassing XXXX XXXX XXXX threatening lawsuit etc. We informed them over the phone about the ongoing criminal investigation. 
If there is any liability, this liability is XXXX XXXX XXXX 's liability and not XXXX XXXX 's liability. 

I demand that Credit International Corporation remove the fraudulent reporting they placed against me with Credit agencies Illegally. I also request that this company be fined as permitted by law.

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 2016-07-30
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card
Issue: Late fee

Complaint:
Wells Fargo Financial has been reporting a negative " LATE '' payment to all of the credit reporting agencies since XXXX of XXXX. During the month of XXXX XXXX I did n't receive that month 's bill ( not by email or US Mail ) somehow they forgot to send it to me that particular month in question. I just so happened to review an online statement that showed a Late Fee assessed to my account ( which was specialized account connected to a purchase from a company named XXXX XXXX and financed via Wells Fargo [ opened XXXX XXXX, XXXX ] in the form of a credit card account ) ; so I immediately contacted Wells Fargo XXXX XXXX XXXX and filed my initial complaint in efforts of reversing any possible damage to my credit and fee assessment. Okay, the fee was credited back to me and I was told that nothing was or will be reported to the major credit reporting companies ( not to worry ). Well the only truth to that statement, was that I was reimbursed the fee that was assessed ; but they to this day continue to report that I was 30 - 59 days late to all the credit reporting agencies. I even disputed this with Wells Fargo on a formal level and they still have n't changed anything. My argument is that I was given back any alleged late fees and told this would n't be reported ( they lied to me plain as day ). I frequent the app ' XXXX and to this day my FICO score is a little above XXXX - NEVER EVER BEEN LATE in paying back any of my creditors and was excused by Wells Fargo, yet they still plague me with a negative blemish that haunts me to this present day and that 's noted on my reports as the only damaging entry ( absent of that, I 'd have a PERFECT credit rating ) .... 

*This in my second time placing this complaint, I just completed this entire form and was at review - after reviewing it 's content, approved it then hit " SUBMIT '' I got an system error message telling me to press the BACK button which erased my entire complaint content - I 'M 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 2017-02-15
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
" I '' do not HAVE any " loans '' - I am being SPAMMED in the US MAIL from this private servicing debt collection agency that has PURCHASED my PRIVATE INFORMATION from others and filed FALSE CLAIMS in my bankruptcy in XXXX the FIRST TIME they got in trouble ... NOW - after my XXXX bankruptcy was dismissed without any discharge and my house stolen by other out of state debt collector lawyers who used my STOLEN INFORMATION from the Federal XXXX database - this SAME company is spamming me again. WHEN is the CFPB going to ENFORCE the Privacy Act of XXXX? The Patriot Act + Real ID Act + a Social Security account Number attached to a LEGAL NAME ===does NOT EQUAL A HUMAN BEINGS " debt ''.

Company response to consumer: Closed with explanation