BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
XX/XX/XXXX I bought my leased car through my dealer. I was unaware the dealer submitted an application on my behalf to XXXX financing companies, Bank of America was apparently one of those companies. 
On XX/XX/XXXX I received an Adverse Action letter from Bank of America communicating that they declined my loan application and provide 5 reasons why. 
2 of the reasons I had no idea what they were so I researched and learned a collections company erroneously tagged my credit report for a medical bill that was paid in full and never should have been in collections and was late for payment. 
These were both errors on my report, maybe I'm wrong but from my understanding Banks are prohibited from using medical bills in their credit decisioning. 
Another reason Bank of America declined my application was length of time line of credits have been established ; I have XXXX + open accounts with XXXX late payments for well over 20 years. I have owned my own home with current mortgage payments for over 15 years ... .I have no idea what BofA is looking out and in review of my credit reports their assessment is faulty.

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 2022-08-04
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy, 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructions 15 U.S.C 168b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2017-06-14
Company: RoundPoint Mortgage Servicing LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been making my mortgage payment in  2  equal payments prior to my due date for the last 2 years. suddenly over the last 3 months payments have been applied improperly and I have received calls asking when payment will be made. When I looked on my account on their web site the receipt of my payment is logged but entered onto account improperly  (  according to them  ) . I am promised that the problem is being fixed and then ( I 'm on hold right now with them ) the next month I receive a call again. Very annoying and time consuming when I am making my payments on time. This time a late payment is added. I 'm told it will be removed. I have been patient long enough. Last year it was my escrow account they mishandled. Very poor processing of payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whomever This May Concern : I have sent letters, verbally contacted them, and they still refuse to remove these inquiries off of my credit report. I did not authorize the following inquiries at all : XXXX XXXX, Transunion-XXXX XXXX, XXXX, XXXX XXXX, XXXX ( 2 times ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( 2 times ). 

Other inquiries that are on there are valid and I do hold accounts with the other inquiries that are not named above. 

I have repeatedly asked for the above to be removed and they haven't.

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 2020-04-22
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: Old information reappears or never goes away

Complaint:
XX/XX/2020, I reached out to Experian and spoke with XXXX with the XXXX team ; she refuses to provide her last name or employee ID number. The reason for the call today, I requested to remove the fraud alert from my credit file. About an hour later, I noticed Experian decrease my XXXX score by XXXX points, and on the side of my score. I noticed a message to learn more about Fico score 8. I have attached the message for Cfpb to review, and long with decrease notifications. Also, on XX/XX/2020, Fico score decrease by XXXX points, and on XX/XX/2020, Fico score decrease by XXXX point ; within 13 days, Fico score decrease by XXXX points with no explanation explaining the reason for the decrease to XXXX score. Also, since XX/XX/2020, I had numerous accounts remove from my credit report please see below for account. 

XXXX XXXX XXXX remove XXXX XXXX  update reporting on a secure account Medical- XXXX XXXX remove XXXX XXXX XXXX remove XXXX XXXX current collection ; this account is not a current collection this is. 
XXXX XXXX XXXX remove XXXX XXXX remove XXXX remove I notice once the above accounts removed from my Experian report, the payment history did not recalculate. My Experian report shows an 85 % payment history late. I am requesting for Experian to update my file.

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 2022-03-31
Company: EQUIFAX, INC.
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:
Inquiries are reporting on my account incorrectly causing my score to drop tremendously. I'm in the process of home buying and this is causing issues please assist. I contacted each burea to dispute inquiries also sent dispute letters to have it removed from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PORTFOLIO RECOVERY ASSOCIATES INC I continue to dispute the accuracy of the two debts you have in your office. In every complaint I have asked over and over that you please provide me with a copy of the contract with my signature on it that shows the legal obligation that I have to pay you Portfolio Recovery Associates INC the amount you say that I owe. Since XXXX XXXX  2017 you have been reporting derogatory information to all three credit reporting agency and even though these two account were in direct dispute rather then halting collection activity during the dispute process you continued to collect and report this information to the credit agencies with the direct attempt to damage my reputation and finances. I would like to point out the follow under the FDCP 809. ( b ) and 812 section ( a ) Based on validated information from all credit reporting agencies and copies of my reports along with the certified letters that were sent to you disputing this information you clearly continued to collect during the disputed process time frame by reporting and continue to report the invalidated derogatory information even though it's still disputed to this day. The only thing that you have provided is photo copies from another company, that is not even your own in a pdf format that can easily be modified or changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These 2 accounts : XXXX  with a balance of {$16000.00} ( Opened  XX/XX/XXXX & XXXX XXXX {$23000.00} opened back in ( XX/XX/XXXX ) Not only are these accounts more than 7 years old, they were not opened by me! They must be removed immediately! This is inaccurate and false.

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 2022-09-12
Company: Experian Information Solutions Inc.
State: MS
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 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 n 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 im 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 2017-06-14
Company: TCF NATIONAL BANK
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
TCF continues to re-order my transactions to charge me EXTREMELY high over draft fees, in the last 30 days TCF has charged me over XXXX in OD fees!! I would like a full accounting of the amount of fee 's since XX/XX/XXXX on my account! They continue to re-order pending transactions that have already cleared. Just a couple months ago my account was OD by around 8 dollars.. they re-ordered already pending ATM transactions to charge me over {$150.00} in OD fees! When I called to discuss I was told TCF does not do any OD refunds at all but they would waive half! This abusive practice is ridiculous and is NOT practiced by other banks. I am fully prepared to retain a consumer protection attorney if needed. Please send me a full accounting of the money I have been charged for erroneous OD fee 's for the full year. I would like my money back this is going to make me bankrupt!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-22
Company: JPMORGAN CHASE & CO.
State: GA
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 opened a Chase Account in XXXX. I didn't have an issue at all. They decided to close it. They stated that the number of inquiries and debt to income ratio was an issue and that is why they decided to close it. I have filed a complaint before regarding this issue and I am filing another complaint because I don't feel that the prior rep XXXX had an understanding of the complaint and I believe he just went through the motions. I am filing another complaint before I allow my attorney to take action of this issue because I do feel that i was discriminated against. All of my credit cards were paid off and I don't have a high debt to income ratio at all. The rep who opened the card verified it through an almost an hour long call. Not to mention that Chase contributed to the number of inquires because they put three on my credit report that were not on there otherwise. I am not pleased with the outcome and I would like someone else to look at it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Capital one has been reporting late payments inaccurately on my consumer report. I have reached out to capital one on multiple occasions for a remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed one/several inquires that were not authorized nor did I do a credit application for these in my name. I have asked the credit bureaus and creditors to investigate and to remove them. They stated they could not remove them without documentation. Although, it is fraud activity. 

I have contacted the creditors and all XXXX credit bureaus

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 2022-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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 checked my report and it there came to be 14 hard inquiries on my report that I did not authorized or give permission for. I tried contacted these companies and couldn't get a respon

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Consumer Portfolio Services, Inc.
State: IN
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 checked my report and it there came to be 14 hard inquiries on my report that I did not authorized or give permission for. I tried contacted these companies and couldn't get a respon

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: ALLY FINANCIAL INC.
State: IN
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 checked my report and it there came to be 14 hard inquiries on my report that I did not authorized or give permission for. I tried contacted these companies and couldn't get a respon

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 2017-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I keep receiving credit card offers from  Capital One,  with outrageous interest rates, and terms. On no less than  3 ( three )  occasions I have requested that Capital  One  remove me from their marketing list because I did not want anything to do with such a despicable firm that chooses to engage in what I would describe as predatory lending tactics. The offers are  INSULTING a nd are obvious attempts to entice their targets into indentured servitude, unending. More than  3 ( three ) times  I have requested that I be removed from their solicitation program, with CAPITAL  ONE 's  personnel, at each and every encounter promising to do such, and yet, I am still to this date,  one arri ved today, getting CAPITAL ONE 's mailings. This has to stop. The " teasers '' are just that, with the rates being " beyond '' reason and justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I sold my vehicle as part of a trade in 5 months ago ( XX/XX/XXXX ), the dealership sent Chase bank, the payoff for the vehicle sold. All was fine and well. I noticed 3 months after selling the car my account had a credit of $ XXXX. I inquired about it with a Chase rep online and they said there was an overpayment on the account and they had sent me a check for the credit. I never received the check because it was sent to my old address so they sent a new one. By the time I received the check, it was over 3 months that I sold the vehicle, and the letter attached said thank you for paying off your vehicle, weve released our lien, etc etc. So I cashed the check. 

Now, in XXXX, 5 months after selling the vehicle, Chase bank calls me to tell me I have 30 days to pay back the credit issued or they would be sending me to collections for unpaid debt from the last 5 months. I was confused because it was the first time I was hearing about this and everytime I had looked at my account it was at {$0.00}, I never had a balance. 

They said it was a bank error that caused the credit and that it was never meant to be issued to the customer ( me ), and instead it should have been applied to the payoff. When they realized their mistake they reopened the account and reverted it back to XXXX. 

After making peace with the fact that I had no other choice but to pay it back despite only being given 30 days even though it was their fault. I called them to pay back the check which totaled {$3000.00}, and they said no thats not your balance because of the late fees and interest that have been applied from the last 5 months. 

I refuse to pay anything additional than the check I was issued because that is all I owe them not a XXXX more. And its unfair and ridiculous that they are making me pay late fees and whatever else when it was their mistake. 

I have spoken to several reps including 3 supervisors, all of which have told me different stories relating to the account. I asked to speak to a manager on XXXX and I still havent received a call back ( today is XX/XX/XXXX ). The last supervisor I talked to said she would recommend I pay the full balance which was like {$3300.00} or something around that number and they will most likely refund me after they revert the account back to XXXX and they couldnt remove the late fees because of the delinquency on the account. Again, the delinquency is not my fault and if we look at my payment history before the vehicle was sold, I never missed 1 payment and was on time every time. 

I am willing and ready to send them the money that they mistakenly credited to me, but it is unfair for them to expect me to pay anything more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 im 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 explanation
Consumer complaint received 2021-10-28
Company: EQUIFAX, INC.
State: GA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation