BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-13
Company: Experian Information Solutions Inc.
State: MA
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 have been unable to access my experian credit file via XXXX for the past couple years. I receive a message state to call an XXXX and they will mail one, which the have. Once I receive this completely inaccurate report, I have returned to experian 's website to dispute inaccurate information and I still have to access. I have mailed my disputes without a response on 2 separate occasions, I have made phone calls but after waiting for an hour or so i usually hang up., their website under contact us has no chat option or listed email addresses. I have done a free trail and accessed my account immediately due the possibility of profit for information required by law to come at no cost annually. I have download the experian app which states a freeze alert was place on my account XXXX/XXXX/17. After investigating how this happened on their website it states there is a {$5.00} charge for this. It is impossible to contact experian to see how this {$5.00} charge was paid. It also requires a fee to remove this freeze. I have clicked on remove a freeze alert and I am also denied access to any further information except printing out a page to fill out and mail. I am tired of trying to contact these people, I am trying to move into a new apartment and I am constantly denied due to experians freeze alert as well as information that has drastically changed i.e ... open dates, amounts owed on one account has increase a remarkable 400 % ( {$730.00} to {$2900.00} ) after disputing it with the creditor, who have also reaged the account. I feel Experian had never done any type of thorough investigation as it seems the claim the information is accurate according to the FCRA. Their failure to maintain accurate reports, do thorough investigations, as well as denying me access to my own information, while making any type of access to any type of emoloyee via phone, email, chat, and as far as I have seen US mail is illegal and is the cause of unneeded stress and aggravation. I have contacted a creditor from my report that stated they did not report false information and I need to speak with the reporting agency itself.

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 2017-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 two student loans account that are on transunion and XXXX due to Fraud! They were listed on XXXX  but were removed XXXX XXXX 2017 with police reports and ftc affidavits. XXXX forwarded the information to both transunion and XXXX which they have to do because its a identity theft/ Fraud situation. Transunion refuses to delete the accounts as well as XXXX. Transunion I 've called 4 different times and they told me they can'T remove items that are fraudulent even if the other bureau proved it was fraud This seems so wrong and a violation

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 2017-08-12
Company: Experian Information Solutions Inc.
State: NH
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:
On XXXX XXXX XXXX XXXX XXXX pulled my Experian credit report, thus placing a hard inquiry on that report, damaging my credit score, without my permission. I have never had any business with or requested any credit from XXXX 's. On XXXX XXXX XXXX I sent a letter to Experian ( since you apparently ca n't dispute inquiries online ) disputing this inquiry. On XXXX XXXX XXXX I received a fresh report from Experian ( Report number:XXXX Dated XXXX XXXX XXXX ). The inquiry was not removed and they stated, in part, " we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. '' On XXXX XXXX XXXX at approximately XXXX EDT I called XXXX 's Credit Department at XXXX. Their automated system confirmed that my SSN was not in their system. I spoke to a frontline CSR who confirmed that my name was not in their system. She then transferred me to " XXXX '' at approximately XXXX EDT who insisted she could not help me and I needed to dispute the Inquiry with Experian. Of course, I informed her I had already done so and they had referred me back to XXXX 's. She then transferred me again but that sent me to the voicemail of someone I believe is named " XXXX ''. I left a message, but have not received a return call. Since neither my name nor my SSN are in XXXX 's database, I do not believe this incorrect inquiry was a result of identity theft, I believe it was simply a data entry error on XXXX 's part. On XXXX XXXX XXXX I filed a CFPB complaint with XXXX 's requesting the removal of this incorrect inquiry from my Experian credit report. On XXXX XXXX XXXX I received a letter from XXXX 's stating, in part, " We have agreed to remove the XXXX 's inquiry made on XXXX. We have instructed all credit reporting agencies to remove the inquiry. '' As of XXXX XXXX XXXX this incorrect inquiry is still on my Experian credit report and still damaging my credit scores.

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 2022-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Bank of America is having technical issues where their bill pay is not showing future or past payments. There is no way to see if a payment was scheduled. 

I called XX/XX/XXXX and was on the phone XXXX ( XXXX ) XXXX, XXXX with a representative of Bank of America in South Carolina for 11 minutes. The representative informed me that there were no scheduled payments on the account ending in XXXX. I asked to confirm because I schedule my payments at the beginning of the year. The representative confirmed there were no scheduled payments for XX/XX/XXXX. I scheduled a payment of {$1100.00} to be sent XX/XX/XXXX. 

XX/XX/XXXX I am notified I have a negative balance on the account. I pull it up and {$1100.00} and {$1200.00} had been drawn out f my account. I spend 1hr and 20 minutes on the phone with BOA speaking with 3 different representatives. The final say is BOA cant do anything about and I will sit with a negative account until XXXX decides to credit the money back. If they do not I am stuck with the transaction even though I did not schedule it. All of these problems are stemming from issues with BOA bill pay system. 

I asked BOA to give a temporary credit to the account until they can resolve it with XXXX which they denied. I was also denied contact information to any decision makers in BOA who could actually make a decision to 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 2022-08-03
Company: EQUIFAX, INC.
State: NC
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 Account XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX, and XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE 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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting act, XXXX, Transunion, XXXX has violated mt federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C section 602 A. States I have the right to privacy.

These Names do not belong to me and Too many On Personal Information. Errors are highlighted and Circled.

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 2022-08-03
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
XXXX XXXX XXXX ( XXXX ) is the insurer for Chase Sapphire Reserve. I made a claim to them for an airline delay that caused me to miss a connecting flight in an amount exceeding {$1600.00}. They required me to get a " Common Carrier Statement of Delay '' from the airline. 

I called XXXX 3 times over the past 6 weeks and used their chat feature once to make the request. I was told every time that they would provide me the form within 5-10 business days. I have never received it. I am going to lose {$1600.00} unless they provide me the statement of delay. 

I told XXXX  that XXXX will not provide it, but did however provide other proof that the flight was delayed by more than 8  hours ( screenshots from XXXX app showing delay ; flight aware tracking ; and XXXX 's webpage showing the delay. ) I requested that they consider this as proof and process my claim which they have declined to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-25
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: Account status incorrect

Complaint:
I paid off my truck loan with XXXX XXXX ( XXXX ) at the time in the amount of {$17000.00} based on a payoff quote issued by them. 

I received my paid in full letter along with the title for my vehicle after doing this as I should. 

The loan company issued a refund check on XX/XX/XXXX in the amount of {$570.00} after the account was settled in full. XXXX then closed my account but reopened it later this year in XXXX of XXXX and reported a delinquent amount in XX/XX/XXXX in the amount of {$600.00} due to a processing error their accounting dept. made and supposedly sent the refund check out in error way back in XXXX. 

The company has now reported this balance to collections and is harming my credit score as a result. I have tried to work with the company directly to clear the balance owed since this was an error on their end and they cant provide a good answer as to why the error was made.

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 2022-08-24
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: Investigation took more than 30 days

Complaint:
Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, Transunion, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

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 2022-10-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My account with XXXX has been paid and it is still showing as a collection/charge off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX contacted me about a credit card from Capitol One which they are attempting to collect upon. They did not identify themselves as being from XXXX XXXX XXXX XXXX. I discovered this after reverse tracing the phone number they gave me to contact them.Instead of discussing the delinquent credit card amount in question, they attempted to coerce me to purchase a gift card from them, before allowing me to inquire or negotiate over the amount I owe to Capital One. They sent me a letter dated XX/XX/2017 with the last four digits of the credit card # XXXX along with a case number XXXX. The letter instructed me to call an XXXX number ( XXXX XXXX ). I called the number which brought me to a menu with only one option, which was to hit the number 1. I selected the number and a call center representative came on the call and attempted to sell me a {$100.00} dollar gift card for a fee of {$2.00} before he would discuss anything about the delinquent credit card. This tactic was deceptive and unethical in my opinion. I was trying to make a good faith effort to settle an old debt and was being being solicited to buy something else in order to simply gain access to someone who could or would discuss the credit card with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Mercedes Benz Financial Services
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
On XX/XX/2022 my balance was overdue and I asked for a deferral that would cover the months of XX/XX/2022 and XX/XX/2022 in which I explained financial hardship from during those times. I was told if I pay a deferral fee of {$200.00} then my application would be processed and balance back up to date. My regular monthly payment of {$690.00} would not be due until XX/XX/2022. 
Although I made several attempts to pay the deferral fee in which I've never heard of before my payment was being blocked via online portal. On XX/XX/2022 I called to enlighten the company that my payment was being blocked and I was told not to worry and just pay the {$690.00} due by the end of the month to remain current. So I made a payment arrangement that day to do so. On XX/XX/2022 my vehicle was repossessed approx. XXXX XXXX  and I could not locate my car for two days. Police had no reports of tows and the company said the system showed no repo. The police told me to report it stolen because by law a repo is to be reported within 4-6 hours. After calling again on XX/XX/2022 I was told they have the car and I only have 5 days to pay repo fees of {$550.00} plus personal property fees of {$1300.00} & owed balance to retrieve it before it is sold on the XXXX day ( XX/XX/2022 ). I asked to speak to someone else and I was told there was no one else available. I let the redemption specialist know my vehicle was taken before the due date and my payments were being blocked via portal on their website. She said too bad, you should find another way to pay us and hung up on me. No options were given and I was told if I try to retrieve my belongings I would be in legal trouble.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions 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 believe I am a victim of identity theft. The information listed in attachments below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It may be the result of identity theft. Please block and remove them, pursuant to section 605B of the Fair Credit Reporting Act. 

Please see the attached

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 2022-08-03
Company: TD BANK US HOLDING COMPANY
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have spoken with XXXX XXXX about the debt they purchased and have asked them to stop calling me multiple times as I am not interested in working with them. They have called me on two different phone numbers and also continue to send me mail. They are very aggressive on the phone when I explain that I am not working with them, I have worked with the creditor directly for resolution and have asked multiple times for them to stop contacting me. I receive multiple calls per week from restricted and unrestricted numbers, as well as mail disguised as other types of mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have 5 private student loans with XXXX that became active this year. I am an active student working on my masters. I was notified by XXXX this year that 5 of my loans with them have become active for payment. I started a payment plan with XXXX on XX/XX/XXXX. They electronically withdraw their payment each month from my XXXX bank account on or around the XXXX of each month. XXXX is reporting 60, 90, 120 day lates on my credit report for months they have collected their payment. Here are the dates : Credit report shows 60 day late XXXX when {$100.00} payment was made over the phone to stop harassing calls. Credit report shows 90 day late on XXXX when {$220.00} telephone payment was made on XX/XX/XXXX. Credit report shows 120 day late on XXXX when auto payment was drafted on XX/XX/XXXX. Credit report shows 120 day late on XXXX when auto payment was drafted on XX/XX/XXXX I also show 90 and 120 day lates on my credit report in the year XX/XX/XXXXwhen I was an active student at that time and all of my student loans were DEFERRED. Here are those late dates : 90 day late for XXXX, 120 day late for XXXX, 120 day late for XXXX. I have tried calling numerous times and I have been unsuccessful in resolving this urgent issue. I have disputed these late payments with the credit bureaus and each time XXXX responds with no changes made. I have sent written request via registered mail to XXXX asking for this payment history to be corrected, and again they have not responded. I have emailed their complaint department and again, no response from XXXX. I have depleted all of my options and I am very frustrated. XXXX is hurting my credit and scores tremendously when they are collecting their timely payment each time. How can I possibly be late when they collect their money each month? I have proof of payment by providing a Bank statement for each month they claim the payment is late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have 5 private student loans with XXXX that became active this year. I am an active student working on my masters. I was notified by XXXX this year that 5 of my loans with them have become active for payment. I started a payment plan with XXXX on XX/XX/XXXX. They electronically withdraw their payment each month from my XXXX bank account on or around the XXXX of each month. XXXX is reporting 60, 90, 120 day lates on my credit report for months they have collected their payment. Here are the dates : Credit report shows 60 day late XX/XX/XXXXwhen {$100.00} payment was made over the phone to stop harassing calls. Credit report shows 90 day late on XX/XX/XXXXwhen {$220.00} telephone payment was made on XX/XX/XXXX. Credit report shows 120 day late on XXXX when auto payment was drafted on XX/XX/XXXX. Credit report shows 120 day late on XXXX when auto payment was drafted on XX/XX/XXXX. I also show 90 and 120 day lates on my credit report in the year XXXX when I was an active student at that time and all of my student loans were DEFERRED. Here are those late dates : 90 day late for XXXX, 120 day late for XXXX, 120 day late for XXXX. I have tried calling numerous times and I have been unsuccessful in resolving this urgent issue. I have disputed these late payments with the credit bureaus and each time XXXX responds with no changes made. I have sent written request via registered mail to XXXX asking for this payment history to be corrected, and again they have not responded. I have emailed their complaint department and again, no response from XXXX. I have depleted all of my options and I am very frustrated. XXXX is hurting my credit and scores tremendously when they are collecting their timely payment each time. How can I possibly be late when they collect their money each month? I have proof of payment by providing a Bank statement for each month they claim the payment is late.

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