BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-08
Company: EQUIFAX, INC.
State: AL
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied to the below offer from American express on XX/XX/2020 https : //www.americanexpress.comXXXX XXXX XXXX XXXX XXXX XXXX it is for a welcome bonus for {$250.00} if you spend a certain threshold. I was approved when i applied and then got to spend all the minimum amount that was requested in the time that was given by the card provider. 

I checked upon the bonus status with American express on a regular basis and was told that I was eligible to the offer and should expect it upon the closing of my statement. 

here is the catch, the disclosures are very wrong. once i completed my portion of the offer, i was told i was not eligible simply because i had been offered the same reward in the past years. 

I was never communicated this information but what is the most troubling is that for the very least it is an abusive practice and it is misguiding to the customer. 

They did not reject my application when i applied to the offer and let me spend all the amount they wanted to get the bonus and then announced that i was not eligible like many FI in this situation, they should have simply rejected my application if I was not eligible, instead of approving and then not accepting to pay the rewards that were promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I found inquires that are total fraud. I found absolutely unknown inquires in my own credit profile. I do not want to have these inquires because they are not mine. Could you please help me to figure out who used my personal data and filed these items? Of course I would like to get rid of them and if you remove them after your check I would be very grateful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Siwell Inc
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am trying to refinance my mortgage. However my existing mortage company XXXX Capital mortgage Texas XXXX is not providing payoff amount to new lenders causing delay in loan closing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
so recently i have had a amount addede to my credit repport, i have no idea what is pretains too ... i havent recieved any information of how or why this was added nor a chance to dispute it or make my case. if this is about a problem with a place i stayed at last for taking my whole big deposit and trying to charge me for unkown reasons that was noit on the lease, or for items the owner left. i said i would fight it in court ... i did not hear anything not even a court date was brought up. so i am assuming this may not be it. but i have no idea because i was not sent anything. they have failure to provide written notification of debt. the company is hunter warfield inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Good Morning.

PNC transitioned BBVA customers to their systems on XX/XX/21. Some of our accounts were migrated, but two of them were not. I contacted XXXX ( XXXX ) @ PNC on XX/XX/21 ; she acknowledged that there was a problem and that she would get those two accounts migrated. She said it would be done by XX/XX/21. This did not occur. I contacted XXXX the following week ; again she looked into it and it would be corrected this time. We still were unable to access these two accounts. On Saturday XX/XX/21, I was contacted by XXXX XXXX. I worked with XXXX all day XX/XX/21 ; the two missing accounts were finally brought over. They were brought over as 'Virtual Accounts ' and not real checking and savings accounts. We were unable to view any transactions, transfer, withdrawal, or do anything with these accounts. I sent screenshots documenting these issues to PNC. There was no change. Starting XX/XX/21 through today ( XX/XX/21 ) i have worked with XXXX XXXX. He has been unable to get these accounts corrected and gives me indication that they are correctly listed as 'Virtual Accounts '. I have explained that they are not anything like the accounts were before and we can not access anything related to them. 

It should also be noted that a week prior to the transition we lost our ability to send Bill Payments from our accounts. It has been 65 days since we have had full access & functionality to these accounts. I have spent a minimum of XXXX hours trying to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: LJ Ross Associates
State: NJ
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 a account with XXXX  and this company sold it to 2 different agencies and now they both charging and showing on my CR. I called all of them they not helping me. Keep saying dispute one and nothing happen. Please help

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contact the companies by certify mail reporting derogatory information, I refuse this account to be mine and report them as fraudulent, Some creditor/ collections agencies, promise close accounts and update to all major credit bureaus withing 90 days but of these was follow,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: EQUIFAX, INC.
State: CA
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 report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX. XXXX, XXXX my bill did not go through HYUNDAI FINANCE - account with 2 missed payments. I could not pay due to covid-19 pandemic. The HYUNDAI FINANCE manager promised me that it will not affect my account. I am kindly requesting HYUNDAI FINANCE to remove these missed payments from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and 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 2021-12-08
Company: BANK OF THE WEST
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX at Bank of the West XXXX XXXX in XXXX XXXX, NV opened a business checking account for me and my business in XXXX of XXXX. As a new business, I instructed her to open an account that does not have a minimum balance requirement, and with fees that can be negated by simply making a deposit. She did not do so, and instead opened an account that had a minimum balance requirement of {$5000.00}. This error caused me to incurr XXXX XXXX monthly bank fees for every month since. When contacted, XXXX did not address her error. I have also contacted the branch AND corporate, all of whom have also failed to rectify the matter. I have called and emailed SEVERAL times. I am demanding a refund of the fees taken from my account from XX/XX/2021 until now, totaling {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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  # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2019-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
There is a fraudulent charge on my Capital One XXXX credit card from XXXX posted on XX/XX/19 in the amount of {$85.00}. Originally, showed purchase date of XX/XX/19. 

Called XXXX on XX/XX/19 to report the charge as fraudulent. However, CSR XXXX informed me that she did not believe it was fraud after asking a couple of questions, but not performing a formal investigation. Also, was informed that the card was present at the time of charge. How is that possible with an online charge? Would like a receipt of what was purchased and what address it was shipped to since I logged into my XXXX account and there is no history of this purchase. Also, closed the card number ending in XXXX. Duration 20 minutes. 

Also, on XX/XX/19 there was a charge of {$100.00} from XXXX. Would like to formally report this as fraudulent, too. However, since XXXX issued a credit in the same amount on the same day effectively zeroing this charge, it makes this fraudulent charge moot, but would like it to be documented as fraud. 

Called XXXX on XX/XX/19 to check the status of the fraudulent charge of {$85.00} The CSR ( name? ) informed me that the charge was not showing since I reported it the day before and nothing else needed to be done. Duration 12 minutes. 

However, I logged into my account on XX/XX/19 and the {$85.00} charge has been moved from Pending status to posted on XX/XX/19. Therefore, since after two repeated attempts to report this fraudulent charge via telephone has not removed it from my account, I would like to invoke my rights under the Fair Credit Billing Act to formally notify you of the fraudulent charge of {$85.00} and request that it be removed from my account. 

Also, mailed a letter describing all of these actions via USPS certified and return receipt on XX/XX/2019. It was delivered to Cap One and signed for on XX/XX/19. The Number is XXXX. 

Logged into my Cap One account this morning and the {$85.00} still remains, and I have not received any correspondence from Cap One acknowledging receipt of my letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Dear staff I am writing regarding a problem I am having with Equifax. I am unable to retrieve my credit report and score from them using there credit monitoring products, in addition No one else can retrieve a credit report or score online I have been unable to get credit and better interest rates because no company can get any of my information from this company so I am only able to use the other burueas. I have made multiple phone calls and spent hours on hold. the agents at Equifax also say they are unsuccessful in retrieving my credit report. they stated they will put in a ticket to get it fixed. because of this I have lost the opportunities for greater credit limits and better interest rates since some companies rely on an Equifax score and report. I am now only able to use The other XXXX bureaus for credit as I stated before. this company has cost me a great deal of money and time. I want my credit report fixed. 

also note that the credit cards I currently have are not being reported to Equifax because my creditors are saying when they send over a new tradeline to Equifax it comes back with an error message or a kick back from the company. 

also note this been a problem for almost XXXX years and I have tried many times to fix this with the company, unfortunately I now have to seek help from CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-01
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The company credit acceptance is reporting three late payments on my credit report, ,I 've asked for them to be removed and there stating they ca n't do that ..false information

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 2021-12-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XX/XX/XXXX I received a phone call from an unknown number. The lady said that she was from XXXX XXXX and had a summons issued for a civil action lawsuit against me and she said I should have received a certified letter two or four weeks ago. I responded that I did not receive a certified letter about a civil action lawsuit against me. I asked who the plaintiff was and she said she could not disclose this information to me but had to call the law firm handling the case, XXXX XXXX phone number XXXX Case # XXXX. When I continued to ask for more information, she said that the case is sealed and wanted to know if I would be available at XXXX today for the process server. I called the number and was transferred to XXXX who told me that I was being sued by Chase bank for a credit card in XXXX for the amount of around {$8000.00}. I said that was 20 years ago and my ex-husband had opened the account and they need to contact him. Then he said that I had continued to ignore their certified letters and correspondence that they had sent to me when I never received any correspondence or certified letters. He also said that they would put a boot on my XXXX XXXX until I paid the money they had stated that would increase to {$11000.00} once it hit the court room. I told him that I would contact my attorney to discuss this further with him and he said what's the name of the attorney? I said I don't know who will be assigned to my case yet. He said so you're going to use a law firm? What's the name of the law firm? I said I would research and find the best one I could and he became very angry and raised his voice and said this is not going to go away. When I checked with XXXX XXXX online system in their civil lawsuit cases, and provided the case # that was given to me, there was not a case found in XXXX XXXX for that case # or my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-01
Company: Experian Information Solutions Inc.
State: MD
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 XXXX. Acc # 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 account without my written instructions

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 2021-07-21
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX  has been calling me almost 2X 's a day ( or every other day ) for the past 2 months. I've spoken to 2 agents. I spoke with an agent about a debt they have stated was owed to Speedy Cash-loan company. The agent stated that they bought my information from Speedy Cash. He couldn't tell me the year the so called debt was unpaid. I advised that I have used this agency before many times & paid my loans. They have started sending me letters & stated that they will keep reporting this as a debt on my credit. I asked how did they by my information, the agent did not know. I kept telling the agent that this is incorrect. I called the Speedy cash that I went through on XXXX XXXX, in XXXX, Tx & they no longer have anything on me that is passed due. I am a regular person & have also been hack around XXXX from my XXXX account. I have deleted that account & submitted a complaint about being hacked to the XXXX site along with documentations on the hacking. The agent also mentioned to me my current banking association & I informed him that the bank he mentioned was incorrect, so I hung up the phone as I realized that this might be another scammer/hacker trying to steal more personal information from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, md ) had rented a music instrument to my son for which the full amount for a 1 year rental was paid. The instrument was returned at the end of the school year but the company claimed they did not receive the instrument and kept charging the rental every month. Communicated to them via email and phone but kept sending new invoices every month adding to the previous amount. 

They then reported to a debt collection agency and placed it on my credit file. I reported the complaint through XXXX and XXXX too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: EQUIFAX, INC.
State: AZ
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 Name : XXXX XXXX XXXX, Account # XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 Name : XXXX XXXX XXXX Account # XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX, Account # 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 a account without my written instructions

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 2017-11-07
Company: AR Resources, Inc.
State: DC
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:
AR resources inc. XXXX XXXX XXXX for XXXX} open XXXX XXXX. do not now anything about that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Experian Information Solutions 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:
I recently noticed that I am a victim of identity theft. I have already filed a report with the FTC which includes the accounts and dates opened. Please help me rectify this situation as soon as possible.

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