BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-21
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Loan was sold from original lender to 1RST Investors servicing corp out of XXXX, Ga. cfpb is very familiar with them. The original lender graciously moved my due date to my payday. When 1rst Investors bought loan then refer back to original contract and are now dunning me for being late because there customer service rep said the are required to honor only the original due date. I have never missed a payment-ever. Now they want a double payment.

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 2018-04-30
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Good afternoon. Ive been on Chex systems for a couple years now. Ive been trying to open a checking account but when I apply to serval branches they decline due to Chex systems. I had a fraud activity when I was younger with XXXX XXXX XXXX. They stold my card and I spoke to the banker and they close my account. Later on I have to pay a return fee balance which I did. It happen on XX/XX/14. I have good credit history with my credit cards and I have a debit card with one bank and Ive been having good history why is it still on my records if this wasnt my fault.

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 2021-05-07
Company: EQUIFAX, 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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My wallet was stolen. I called to close my card and check on activity. I wanted XXXX funds or anything transactional. I only wanted to verify my card was not used, and terminate my card. They stated, my voice was not authenticated. They had no other options to authenticate me. I have all my personal information. They would not assist me. I solely attempting to protect my account and card from fraud use. They would not help or assist. Terrible service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Bread Financial Holdings, Inc.
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 called the company and they said that on their end they do not have my payments late. But for the past 5months experience is saying that I have been making late payments which is not true because it come out of my checking account each month on the same day. Please fix this problem. It needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for a credit card with Barclays and was approved on XXXX. I received 2 completely different cards in the mail. I called and was told it's not possible, that 2 accounts could not be created for one customer. After being charged annual fees on each of them, I called and was told that I indeed did have 2 of these barclays XXXX XXXX XXXX card accounts opened and that if I met the spend requirements I would earn the sign up bonus ( 80,000 XXXX Airlines miles ) on each. 

I did that, and received no bonus, nor a refund on the annual fee. 

Maybe it's not supposed to be possible as they said and I don't know how it happened, but it did, and I was assured that by going through the trouble of spending the money on the card and paying the annual fee, I would earn the bonus. 

To reiterate, I DID NOT open two accounts, as I'm sure their records will show. I submitted ONE application ( online ) and ended up with two accounts, two annual fees, and assurance that each should earn the bonus. 

On an earlier case the bank responded that " these bonuses and/or incentives are intended for applicants who are not and have not previously been XXXX XXXX XXXX XXXX XXXX XXXX cardmembers '' which does not address the issue that their glitch ( or whatever it was ) created.

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 2020-11-12
Company: LEXISNEXIS
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Getting a quote from XXXX XXXX exposed the fact that LexisNexis Risk Solutions were collecting my personal information through a program called XXXX XXXX ( XXXX XXXX XXXX  XXXX ) without me knowing. It had incorrect information on the report, in which XXXX used to evaluate my rates. My current rate with XXXX was highly in turns increased without my knowledge of the fact that they are using LexisNexis ' false information. I called LexisNexis Consumer Center XX/XX/2020 which did not go through. I then called their representative center which they told me to fill a dispute which would take 30-60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Inquiries not approved by me, some inquiries were removed and put back by XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has come to my attention that although I have written several letters asking for validation of debt, permissible purpose letter, audit trails for validation of debt and inquiries I have not received any response because of the automated system you have in place which is in fact a violation as well. 

I am afraid these 3 credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality and a respect for the consumers privacy, I did not give consent to these accounts. 

I have remained humbled despite the stress, abuse, and harm these 3 credit reporting agencies have done 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 non-monetary relief
Consumer complaint received 2022-03-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Back on XX/XX/XXXX I filed a complaint # XXXX against Experian they have a collection account on my credit report with her been fighting since XXXX of XXXX they had stated to you that it was not on my credit report they sent me a letter with the collection agency not being on the report for the damaging payment history up-to-date like I still have the credit card I ran my credit yesterday they put the account back on my score even worse with payment history like I still have a credit card so they lied they went against the laws of the Fair Acts laws and something needs to be done. They continuously lie and ruin people 's credit is against the law to take something off put something back on need verification notarized and certified sitting at this is officially off my credit report within 10 days because they are liars and criminals

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 2017-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was in the middle of purchasing a house when I received a communication from my agent to wire down payment for a quick closing. Well, I did not know he got hacked and it was a scam. I transferred money from my XXXX account to an account in bank of America. After I was notified that I was scammed by bank of America ( apparently they already knew there was something wrong with that account and did not do anything about it ) I requested information when I was notified that I will not receive it and I have to report it. I opened a police case, FBI case and my XXXX XXXX requested a recall. 40 days is passed and basically everyone including FBI is telling me that they have no power over bank of America to get even the slightest information. I am sitting ducks here and no one is giving me any information about XXXX dollars that is now disappeared in the name of protecting the privacy of obviously scammers. Good to know that as tax payers we have no rights. More importantly, even government agencies have no power to get answers from these banks. I guess everyone is giving me the answer that I should spend more money on lawyers to get some answers.

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 2021-09-24
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2017-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Last week I received a telephone call from someone trying to collect a {$29.00} outstanding balance on a Kohl 's Department store credit card. I do n't remember when the account was opened, but it was only a couple of months ago while I was making a purchase. On XXXX XXXX a payment came out of my checking account in the amount of {$100.00}, representing what I thought was the balance on my account. I was surprised that I was receiving a collection call and I informed the caller that had not received a bill for this outstanding amount. When the caller checked the records, he noted that their system had the wrong house number and a misspelled street address - a reasonable explanation for not receiving my statement. Thinking that this might have been some type of fraud, I informed the caller that I would call Kohl 's myself and made a payment over the phone. The {$29.00} was debited from my account on XXXX/XXXX/XXXX. My concern is that when I received my updated credit report yesterday, my credit rating dropped from good to fair because of the negative information posted by Kohl 's. I think it is unfair, but I am not entirely sure if there is anything I can do to have this information reversed. Any help you can provide will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, Wells Fargo improperly applied an additional payment as if it was a regularly monthly payment, assessing interest and sending part to the escrow. On XX/XX/XXXX, I notified Wells Fargo that that the entire payment was to be applied to the principle, and the WF agent agreed to fix it by " backing out the payment and applying it to the principle only ''. On XX/XX/XXXX, I received a call from WF informing me that it would take until XX/XX/XXXX to fix it. I protested, and about 1 week later, noticing no action or remedy, I contacted a WF " supervisor '' who promised to fix the problem " within 24 hours ''. Since XX/XX/XXXX, I have seen my account balance go up and down 3 or 4 times, and it is still incorrect. I have received a " past due/foreclosure : notice. I have had my credit history. with XXXX  show me to be behind in payments, and my credit score lowered. I have possibly been charged unfair interest during this fiasco, I can not tell. I want a written explanation of the reason this has occurred and I want it fixed.

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 2019-08-01
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
HIPAA Violation : In XXXX, XXXX and XXXX of 2019 I requested that IC SYSTEMS INC verify this debt according to the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification of an original signed consumer contract to which they have repeatedly violated and continue to do so. I also recently requested they provide proof under the FAIR DEBT COLLECTION PRACTICES ACT proof of HIPAA Authorization.

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 2019-03-27
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: Information belongs to someone else

Complaint:
I NEVER REQUESTED OR AUTHORIZED A FRAUD ALERT ON MY CREDIT REPORT BY XXXX OR ANY OF THE OTHER REPORTING AGENCIES. 

please remove all FRAUD ALERTS. 

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 2018-04-25
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On or around XX/XX/XXXX, I contacted American Express to make them aware that I would be unable to pay the balance on the account for some time due to Hurricane Harvey. I was told only at that time that " I didn't need to make a payment at that time '' and that I could " make a payment when I am able to do so. '' It was not until XX/XX/XXXX that I began to receive late fees associated with the outstanding balance. I made a partial payment on the account on XX/XX/XXXX and attempted to make a payment on XX/XX/XXXX. I did not receive any collection calls or notices from American Express in an effort to collect the debt. I contacted American Express to change my address and I was told at that time that my account had been sent to a third party collector. Again, no notifications from American Express that this would be done, no attempt to contact me to resolve the debt at least 30 days prior to the debt being assigned to a debt collection agency. After speaking with XXXX ( Payment Team ), XXXX ( Credit Team ), XXXX ( Legal Department ) with American Express, I was unable to resolve this dispute on my own since the account has been outsourced to XXXX Collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Experian Information Solutions 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:
Please verify these accounts that are affecting 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 2018-04-25
Company: EQUIFAX, 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:
i have disputed this account multiple times with Equifax. I was told it would be deleted, but the same XXXX XXXX XXXX account continues to be re-reported under a slightly different name and amount. i am a victim of identity theft and this fraudulent account is harming me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the bible that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this compliant MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested a debt validation for : TD Bank XXXX/Target Credit back on XX/XX/2020 and I have never received any of the requested information. I even contacted the company on a good will effort to have this resolved but they do accept pay to delete and even though I dont agree with account and have not received validation. Also, according to them they added obscene fees and charges to the account that it doubles the amount of original credit issued. The card was supposedly for XXXX dollars limit and they are claiming more than XXXX to settle a debt that they cant validate. I need this immediately deleted from all my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: LL Capital Partners II, L.P.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Hi, my name is XXXX XXXX. I have been violated by XXXX XXXX XXXXXXXX. They do not have a contract with me in order to work in commerce with me. I do not consent. They have stolen my personal property. The consumer credit transaction was not instated with them as witnesses and they are thieves who have stolen my property from me. see document further. 

STRIKE ACCEPTANCE is in dishonor as they failed to rebuttal an affidavit with an affidavit. Therefore, my affidavit stood as truth and they are not to collect on this any longer. The account is closed and a 1099-C form was not given to me!

Company response to consumer: Closed with explanation