BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-18
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
On XX/XX/2022, I sent letters to the consumer reporting agency to notify them about the wrong personal information on my consumer report. I even attached a copy of my driver 's license. It's very frustrating and affects my life. I want my personal information to be corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 contacted XXXX and Transunion in reference to my information being used but not authorized. I was given a letter to submit. I have submitted. I was told to check my inquiries in 24-48 hours to see it removed. it is still there. This is hindering myself from being able to secure a place to stay. These items are unfavorable and according to 15USC1681, this is unlawful.

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 2023-06-06
Company: Spring Oaks Capital, LLC
State: IL
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 am stating that I have not received any communication from the debt collector regarding the alleged debt. Their failure to contact me directly has caused confusion and concern. I request a thorough investigation to verify the debt 's legitimacy and protect my consumer rights. I urge the debt collector to adhere to relevant regulations and demonstrate due diligence before taking further actions. I seek a fair resolution that allows me to address any valid concerns and upholds my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Mercedes Benz Financial Services
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I paid all 36 installments for the lease of my car to Mercedes Financial. The last installment was paid on XX/XX/XXXX. After I returned the car on XX/XX/XXXX, I was charged an extra installment for {$490.00} on XX/XX/XXXX. When I asked MB financial about the charge they said the value of the car has changed and dealer is not paying them enough. 

They asked me to work with the dealer even though I have not paid the dealer the extra installment. This is a very deceptive and unfair treatment as I am made to run around for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
There were many unauthorized inquiries placed on my credit report. The dates were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. There is a total of 14 inquiries 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 2022-03-18
Company: Paypal Holdings, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My complaint is against PayPal and their PAY in 4 service. On XX/XX/XXXX I purchased tires for my son using this service the amount was XXXX {$.00}. We attached his credit card to pay the four payments.On this date PayPal removed The first payment of XXXX. The merchant did not send for tires as we had purchased. They report two of the tires were lost in transit. They stated if we returned the two tires that we received they would refund the account in full. I immediately called PayPal and explain the situation to them. The male representative I spoke to told me this would not be an issue. He specifically told us to decline any further payments to the credit card as the merchant would be returning the funds. On XX/XX/XXXX the merchant returnsXXXX to the account. On XX/XX/XXXX PayPal credited my account the initial payment of two XXXX. They close the account as paid in good standing. The account was then re-open by PayPal and they began to report that I have missed two of the four payments. I sent to them statements from the credit card company showing that the first payment did go through the credit card account. Originally they had stated they never received the first payment. I then sent them statements showing that the amount that was disputed was closed when the merchant returned the monies to PayPal. I then sent a certified letter to PayPals legal department. I received a response from an attorney clearly stating that I owe no money on the account. I responded by email to her letter stating I was not asking for any monetary settlement I just want them to update their records to show my account does not owe any money to them. They refuse to do this. I have not received a response back from the attorney and as of this date the account still shows I/O money. on XX/XX/XXXX I received an email from PayPal stating they had transferred my account to XXXX to collect these funds they state I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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 information incorrect

Complaint:
I am writing to follow up on my previous complaint filed with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate and unverified information reported by XXXX XXXX # XXXX. The information in question has violated my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a.

As I mentioned in my initial complaint, I have never done business with either of these companies, and the information they reported on my credit report is completely inaccurate. Under 15 U.S.C. 1681a, I have the right to ensure that my credit report is based on accurate and verified information. 

I have already disputed this inaccurate information with XXXX XXXX, but I have not received a satisfactory response from them. I have copies of my previous dispute letters and any relevant documentation that supports my claim. 

I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action against these companies for violating my rights under the FCRA. I request that the inaccurate and unverified information be promptly removed from my credit report to prevent any further harm to my creditworthiness. 

Thank you for your attention to this serious matter. I trust that the CFPB will take the necessary steps to rectify this situation and protect consumers from such violations in the future.

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 2021-06-23
Company: Lending Club Corp
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:
This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: LoanCare, LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Loancare is reporting to the credit reporting agencies that our loan was discharged through bankruptcy when it was NOT. I've submitted paperwork showing that it was never discharged, payments were never missed ( but this was not reported ) and the loan was paid off when we sold the home. We did have a bankruptcy, but the home was NOT included in discharged assets. I've sent the bankruptcy documents, sale documents, and payment history to XXXX and they continue to mark it as discharged through bankruptcy.

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 2021-04-22
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021, I purchased a round trip bus ticket ( XXXX ) from XXXX XXXX, Texas to XXXXfrom XXXX to XXXX XXXX Texas. Unfortunately, I only used the bus ticket from XXXX back to XXXX XXXX, Texas on XX/XX/2021, not the bus ticket from XXXX XXXX, Texas to XXXX Texas for XX/XX/2021. 

Therefore, I requested a refund from the merchant XXXX which was declined. I reached out to BBVA USA to process a claim for the unused portion of the ticket which was over {$25.00}. And the BBVA also denied my dispute XXXX # XXXX ) which doesn't make sense. All consumers are entitled to a refund, especially if the ticket was unused.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: Protas, Spivok & Collins. LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
received a letter from my employer that I was under a wage garnishment. Did not receive any letter for a court hearing, did not receive any letter that a wage garnishment was granted or the amount of the wage garnishment. I checked Maryland judiciary case search and found it was from XXXX XXXX XXXX and my debt was sold to XXXX XXXX XXXX XXXX Attorneys at Law XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. Payments began to come out of my pay check inXX/XX/XXXX. I paid an amount of {$1900.00} in the year XX/XX/XXXX. The garnishment continued intoXX/XX/XXXX. To date ( XX/XX/XXXX my amount of debt paid is {$6800.00} I requested a court hearing to stop or modify the payments due to hardship in my family. XXXX XXXX appeared for the court hearing on XX/XX/XXXX and agreed to modify my payments. After receiving my next check I noticed the payments did not change., I called XXXX XXXX office on the following dates : XX/XX/XXXXand XX/XX/XXXX. On every occasion I was refused to be allowed to speak with XXXX whom I conversed with in court. I left messages for him on every date listed above with no return call or email. On XX/XX/XXXX I called the office of XXXX XXXX XXXX again and explained to the receptionist that according to the judgement amount on Maryland case search I had overpaid by {$130.00}. she put me through to the paralegal who refused to give me the total amount of my debt with their company and he would only discuss it with my employer. I asked him why he would not disclose this information as its my case and my wages that are being garnished and he repeated to have my employer call. He intentionally deceived me by refusing to give me the total amount of my debt so I could confirm the amount I have paid and what is still owed. To this day I have had no respose from XXXX XXXX XXXX office regarding this matter.

Company response to consumer: Untimely response
Consumer complaint received 2020-11-12
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I found a collection account in my credit report without any previous notice about the origin of the debt. THIS ACCOPUNT DOES NOT BELONGS TO ME. I contacted the collection agency and they realized the account is not mine. But the collection agency NEVER contacted me before summiting the information to the credit report. 
Collection Agency : SEQUIUM ASSET SOLUTION Original Creditor : XXXXXXXX XXXX Loan Amount : {$770.00} Account Number : XXXX Collection Opened : XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, GA XXXX The fraud address ( someone used my information for the account ) is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Several years ago I attempted to open a checking account at Bank of America and was denied because they said I had an account with them before. 
I have never had an account with them. The manager wouldn't give me anymore 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 2023-05-04
Company: CREDIT ACCEPTANCE CORPORATION
State: OK
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. The lists of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C Sextion 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: TX
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:
Early XXXX I attempted to get my free annual credit report and was only provided with my XXXX and XXXX and I got an error message that my Equifax report was not available. I went to the Equifax website to attempt to login only to get an error message telling me to call XXXX for assistance. I called the number and no one has been able to tell me why I cant access my account and that the would proceed to open a ticket and will call or email me when the issue has been resolved. I spoke with someone on XX/XX/22 who assured me the issue was resolved yet I am still not able to access the account. I called Equifax again on XX/XX/22 and spoke to an agent who told me that I needed to send if all this proof of identification to open a case to " see '' why there was a block on my account but couldnt tell me if the issue can be resolved. I spoke to someone in the Consumer Affairs department and they still cant get it resolved and have continued to open tickets that never resolved the issue. I cant even access my Equifax reports from XXXX party sites.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: TX
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:
Since the beginning of XX/XX/2022 I have tried to resolve this matter. This agency has violated my rights by disregarding my letters sent in to resolve this matter. Under 15 USC code 1681e ( b ) states that the Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the reports relate. This account has been deleted from XXXX but not this agency.

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 2023-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Subject : Consumer Complaint - XXXX XXXX XXXX XXXX XXXX. 

Dear Team, I am writing to file a consumer complaint regarding a recent transaction with XXXX XXXX XXXX XXXX XXXX, a company located at XXXX XXXX XXXX, XXXX, CA XXXX. 

I placed an order for an XXXX  part with XXXX XXXX XXXX XXXX XXXX, for which I paid {$1500.00}. However, after XXXX weeks, I was informed that the item could not be sold at the initially agreed-upon price, and the company demanded an additional {$3000.00}. I declined to proceed with the purchase and requested a refund of the original amount paid. 

The company stated that they could only issue a refund via check, as opposed to a bank transfer or credit card refund. Despite this assurance, I have not received the promised check, and the company has ceased responding to my emails. This situation has left me concerned that I may be a victim of fraudulent practices.

Below are the details of the transaction : Company : XXXX XXXX XXXX XXXX XXXX. 
Address : XXXX XXXX XXXX, XXXX, CA XXXX Product : XXXX  part Initial Payment : {$1500.00} Requested Additional Payment : {$3000.00} Refund Method : Promised by check I believe that the company 's actions constitute deceptive business practices and a breach of our transaction agreement. The failure to provide the agreed-upon refund and the lack of communication raise significant concerns about the legitimacy of their business practices. 

I kindly request that the Federal Trade Commission investigate this matter and take appropriate action to ensure consumer protection. I have attached relevant documentation, including proof of payment and correspondence with the company, for your reference. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, 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
Consumer complaint received 2022-03-18
Company: OneMain Finance Corporation
State: PA
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:
The following inquiries are on my Credit report, I have not made these inquiries and are requesting them to be removed. I have sent 4 letters for removal to XXXX, XXXX and XXXX and these have not been removed.This is hindering my ability to gain approval for a home and relocate my family to safer area : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ONE MAIN XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023, I booked a house in XXXX XXXX XXXX for a trip in XXXX. I paid {$4900.00} on my Citibank Visa. I received a notification from XXXX the following day that my booking had been canceled by the owner. I contacted the owner by text message to the number that was provided on the XXXX website. The owner stated that it was a mistake and the listing had not been canceled. I sent them a screenshot showing the listing on my end being canceled and they said they would contact booking and find out what was going on. we both contacted XXXX and they said that they pulled their listing because of the fees with XXXX being too high but I could book privately with them and avoid those fees. I said I would be happy to do that but I would need my refund first and they said they would start the process and I would have my refund within seven days. I stayed in contact with them for the next several weeks waiting for my refund that never came and at one point after not speaking with me for a week or so the person at that phone number claimed they didnt know who I was. I gave all this information to Citibank Visa, along with the text messages that verify this information. Citibank Visa notified me yesterday when I called them to find out the status of my dispute that it was denied because I couldnt produce a credit slip showing the transaction. I explained to them if the merchant was committing fraud how would I be able to get a credit slip? They said they only way they could move forward is if I was able to produce that.

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