BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2022 at XXXX I called EXPERIAN in hopes of resolving the inaccuracies on my credit report. When finally being transferred to the fraud department, I was connected with XXXX. he told me that the inaccuracies on my credit file were never investigated. That they did not and will not investigate them because the creditor verified the information. After I explained multiple times that the social security numbers listed on my credit report are not mine and I am requesting the verification methods used to ensure the accounts belong to me, he said that no they are not verifying the information and it will remain on my report unless other information comes to light then they will continue to leave the inaccuracies. I asked him if as a credit furnisher isnt EXPERIAN required to investigate the report of inaccurate information as a direct result of fraud. I mentioned how the social security numbers on my file did not belong to me so I am 100 % sure that the account is not mine because none of the requirements under the FCRA would require the terms, opening date and balance to be accurate and he said no they do not. After multiple attempts I gave up and just let him end the call.

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 2022-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 spoke with Bank of America in XXXX and told them that I had been dealing with unemployment due to COVID, but would be starting a new job in XXXX. In early XXXX, a payment didn't clear my account and I immediately made a payment from my new account on XX/XX/XXXX. On XX/XX/XXXX, Bank of America closed my account without any notice after 17 years with them. A phone call, an email, a secure message or anything else would have stopped this. But I did not know I was even at risk of having my credit card that I have had for 17 years cancelled. At the time they closed my account, I was not delinquent and I currently have made my next payment. 

When I called them after receiving the letter about my cancellation, I spoke with one of their representatives who told me that my card was eligible to be reopened, but she needed to transfer me to a different department. That department informed me that there it was not possible to reopen credit cards and I would need to submit an application for a new card. 

This is ridiculous and credit card holders should be given some protection from having their card canceled with no warning and should not be lied to by their representatives about options. COVID has been hard on many people and FI 's are extending the struggle by taking actions that will stay on a credit report for years to come.

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 2017-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 disputed this matter countless times to the credit bureaus, the creditor, this agency, attorney generals, and no one seems understand how to proceed. XXXX, Transunion, and XXXX XXXX XXXX ( XXXX ) are all refusing to remove fraudulent information from my credit report after providing verification from XXXX that the tradelines were successfully removed from their report. Transunion and XXXX claim they have no authority to remove tradelines, it is at the discretion of the creditor. The creditor, XXXX, is stating it is up to the credit bureau to remove tradelines. Obviously, someone, if not both parties are lying and a full investigation must be conducted on all three entities. I have repeated multiple times and made it very clear that I have never paid XXXX and never will. XXXX is still refusing to disclose information of the true owner of this account, and refuses provide me contact information of their legal department. I have substantial evidence that proves XXXX engaged in financial fraud, forgery, violations of Fair Debt Collection Practices Act, Fair Credit Reporting Act, Servicemembers Civil Relief Act, concealing information, knowingly reporting false/inaccurate information, failure to protect consumers identity, and refusal to comply with other federal regulatory agencies. XXXX is deliberately and illegally applying a forbearance ( without my consent ) on the account in order to keep the account open and extend the amount of time it takes to fall off of my credit report. Several XXXX employees told me this action was to prevent the account from being charged off. The account should have been charged off XXXX XX/XX/2013 according to the original default date. Somehow XXXX managed to apply several deferments and forbearances that I did not authorize which extended the charge off date from 2013 to some distant year. Also, Transunion is reporting that one of the 4 tradelines is closed/paid in full and the remaining 3 are current. This issue is not new, I have reported this before to CFPB and for some reason, you were not able to successfully resolve this issue. Once again, I am requesting a full federal investigation into Transunion, XXXX, and XXXX. This issue has done nothing but cause emotional and financial distress and CFPB needs to properly handle the situation. If any other information is needed, please contact me. Thank you

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 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated.

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 2020-08-12
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:
LOOKED AT MY CREDIT REPORT AND NOTICE INFORMATION WAS LISTING ME LIVING IN XXXX, TN AND ACCOUNTS OPEN AS WELL MY INFORMATION MUST BE APART OF A DATA BREACH CAUSE I LIVE IN XXXX, MS THESE ACCOUNTS DO NOT BELONG TO ME.

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 2017-01-26
Company: TRANSWORLD SYSTEMS INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
While attempting to re-enroll at XXXX XXXX Colleges I was told I could not register for classes unless I paid an alleged debt to the collection agency TSI. The original debt was only {$420.00}. But TSI said I had to pay {$970.00}. TSI told me that was the {$420.00} plus an {$82.00} fee and interest. But, TSI could not explain why they were entitled to the {$82.00} fee or interest. I did not owe the debt and no law or agreement I am aware of allows TSI to add fees or interest anyway. I had to unfairly borrow money to pay the full {$970.00} so I could enroll an attend school in time under protest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Midland LLC is still trying to collect on old debt. Account number XXXX now it 's Midland Credit MGMT. They keep selling to one of their company 's. I have filed with consumers and wrote you letters leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card
Issue: Other fee

Complaint:
i received a letter from American Express saying " I have been qualified and enrolled in the Select & pay Later feature .... If you do not wan to be enrolled in Select & Pay Later, please contact us ... " If you cancel you will not be able request this program in the future back. 
They list the charges at 18.49 % APR. 
This is was in a letter that could have been easily thrown out. This is not something I asked for. This is a way they can trick customers and force them to pay high interest charges when they sign up for credit card which is designed to have the balance paid off at the end of the month. This is predatory behavior and should be stopped. They need to ask your permission to enroll in the program, not you must call in to cancel something you did not ask to be enrolled in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company HSBC say I owe one month back mortgage and I do n't and they keep sending me letters saying that I 'm past due one month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am disputing an account/collection that was opened in  XXXX  of  2016 with a  company known as    Convergent Outsourcing. Th ey are claiming that I owe the amount of {$670.00} for which I have no knowledge of.

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 2018-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX  XXXX XXXX Account # : XXXX I was never late 30, 60, 90 or 120 days late in the months of ( XX/XX/XXXX through XX/XX/XXXX ) and also ( XX/XX/XXXX through XX/XX/XXXX ). I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.

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 2020-08-12
Company: EQUIFAX, INC.
State: AR
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:
DECIDE TO MAKE A BIG MOVE AND BUY MY FIRST HOME. I KNEW I WANTED TO GO INTO A FIRST HOME OWNERS PROGRAM, DUE TO THEM BEING ABLE TO HELP YOU FINANCIALLY. AS I WAS SITTING WITH MY MENTOR SHE SAID MY CREDIT NEEDED TO BE PULLED. I KNEW I HAD A GOOD CREDIT SCORE SO I WAS NOT WORRIED ABOUT THAT BEING THE FIRST STEOP. OUT OF SURPRISE A BIG LIST OF ACCOUNTS I HAVE NEVER SEEN OR HEARD OF IN MY LIFE SHOWED UP. THOSE FRAUDULENT ACCOUNTS DO NOT BELONG TO ME. PLEASE REMOVE THESE THINGS FROM MY REPORT US DEPT ED XXXX {$3500.00} XXXX  XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$98.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Hi, I was doing basement project at my home and opened Home Depot Consumer credit card through citibank in XX/XX/XXXX. I was offered 24 months XXXX % promotional price for any purchase made over {$5000.00}. Therefore, I bought almost $ XXXX worth of stuff from home depot on HD consumer card. However, I kept making my minimum payment plus additional amount to pay off my balance well within 24 months before the promotion expires. 
I started another project in XX/XX/XXXX and again purchased almost {$13000.00} worth of stuff on HD consumer card and was offered the same 24 months XXXX % financing. I paid off {$13000.00} + monthly payments by XX/XX/XXXX to avoid any interest charge on my outstanding promotional balance. 
Then I started another project again in XX/XX/XXXX and purchased {$7500.00} worth of stuff on HD consumer card and was again offered 24 months XXXX % financing. I again paid off that {$7500.00} + monthly payments by XX/XX/XXXX to avoid any interest change on my outstanding promotional balance. 
All this time, I also kept making smaller purchases for my smaller project. As of XX/XX/XXXX, my balance was {$5400.00} due to all smaller purchased. 
On XX/XX/XXXX I was charged {$1400.00} interest fee for some outstanding balance from XX/XX/XXXX. Now that I have been making payments to pay off my outstanding promotional balance, why have I been charged interest for {$1400.00}? When I was making payment they should be applied towards the previous outstanding promotional balance and not on the recent purchases? This seems be to fraud / cheat to intentionally defer your payments so there is always a balance from promotional outstanding balance so citibank can charge interest to the consumer. 
Logically the incoming payment must be applied towards your previous outstanding balance and not towards the recent purchases. What if there was no promotional balance? Citibank would have applied the payments towards that non promotional previous outstanding balance first? This is serious matter making consumer prey to these fraud practice by the bank. 

I would like the interest charged to be reversed. 

Store : Home Depot Card Type : Home Depot Consumer Card Acct # XXXX XXXX XXXX XXXX Processing Bank : Citibank Interest Charged : {$1400.00} on XX/XX/XXXX 2019

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 2015-07-31
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card
Issue: Other

Complaint:
I was a victim of identity theft. Someone tried to apply for an Target card in my name. When I noticed the inquiry on my credit file I notified Target thru certified mail of this discrepancy. They ignored my request. It has been over 30 days and they still refuse to remove this inquiry from my credit file. I have no open accounts with Target.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-26
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
originally owed a credit card debt to XXXX XXXX bank back in XX/XX/XXXX that apparently was closed in XX/XX/XXXX an sold to collections for the amount owed {$2500.00}. Was unable at that time to take care of it and thought it was unusually long for them to keep the debt opened for so long before closing it. Am trying to fix credit now but new collector ( midland funding ) is now charging almost double the original amount - {$4000.00}. please help it is the only debt holding me back from succeeding in any business and they are not willing to give any explanations for this old credit card debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-14
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I am being billed {$500.00} for a credit card bill that XXXX XXXX put in unauthorizedly and American Express refuses to remove it. I only authorized one payment to XXXX XXXX of {$500.00} but he put in first an additional {$1000.00} that was denied and another {$500.00} when they would not give him {$1000.00} as I did not have that much credit with American Express.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-07
Company: Paypal Holdings, Inc
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Making/receiving payments, sending money

Complaint:
I was transferring money to a friend using my paypal account. Paypal first uses your paypal balance, and if it is not enough funds, it automatically draws the remainder of funds from a bank account. As I was making the payment, I noticed it was pulling from an old account ( XXXX bank ). I canceled the proposed payment and changed the " default / preferred '' account to the new account ( XXXX bank ), which was already linked to my paypal acount. I received an email saying that from now on, the new account would be used. I then made the payment, and it drew from the old account. I called them and they said I should have waited half an hour ( Even though I received a confirmation email saying it was available instantly ). They would not cancel the payment, even though it takes XXXX3 days to process and the error was on their end. Now I am afraid I will overdraw the old account and be charged fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Today XX/XX/XXXX I went online to view my XXXX credit report. I found several errors still that have not been corrected. I tried submitting a dispute online for all the errors. After putting in all the information for each one I received a submission failed message. This is very fustrating. The first item on my report is 2 inquiries from XXXX XXXX XXXX XXXX dated XX/XX/XXXX. My credit was ran only 1x not 2x. It's showing as 2 inquires which affects my score. Another inquiry is XXXX 's on XX/XX/XXXX which I did not do. I have a XXXX XXXX  card for a few years now I did not apply for another card. Another inquiry is XXXX on XX/XX/XXXX again I have a XXXX card for a few years and did not apply for another card. Having these 3 inquires on my report is affecting my credit score in a negtive way. I am also disputing again I do not have 2 auto loans. I only have 1 auto loan with XXXX XXXX XXXX. It is still showing from XX/XX/XXXX an amount of over {$4000.00}. This was paid when I re-leased another vechile with them in XXXX. We are in XXXX I have leased 3 times with them already and there is no balance. Having this {$4000.00} auto loan show is also affecting my credit score as it is showing more debt than I really have. I could not reach experian through telephone to dispute all this again all I get is they are busy and if I want to order my credit report.

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 2020-08-12
Company: EQUIFAX, INC.
State: GA
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 made reasonable attempts to contact this agency to correct erroneous information on my report. To date I have not received a response

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Collector was informed that I can not receive phone calls at work. Continues to call my place of employment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX contacted me with his email and talked a part-time job with me. The part-time job is helping him to collect money owed his company in America. He gave me 5 % of the money as omission fee. I accepted it. He told me that XXXX XXXX owed his company {$98000.00} and asked me to contact XXXX. I contacted XXXX and got a check from XXXX. I deposited it on XXXX. I checked my account on XX/XX/XXXX and my account showed the money is available on XX/XX/XXXX. XXXX XXXX emailed me and ask I keep my commission fee and wire transfer {$19000.00} to XXXX XXXX using my bank of america account ( {$22000.00} ). Because I checked my account is available and think it is safe to do it. I wire transfer {$19000.00} to XXXX XXXX on XX/XX/XXXX. However, When I checked my account on XX/XX/XXXX, the deposited check is returned. I just realized I was a victim of a scam and lost {$19000.00}. 
When I found the check is returned, I contacted Bank of America to recall the transfer on XX/XX/XXXX. I got their response on XX/XX/XXXX and said they can not recall it successful.

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 2020-08-12
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
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:
I would like to file a complaint on Hyundai Motor Finance. I made a final pay off on a new car XX/XX/2020. I have been seeking the title to the car every since. I have made several attempts. The only thing I have received from them is a refund for {$6.00} over payment, dated on XX/XX/XXXX, 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