BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-18
Company: JPMORGAN CHASE & CO.
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:
This company is reporting I have a car loan with them and it is charged off. I have wrote this company several times sent in documents supporting my claim and the issue is still not fixed they are not responding to any of my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have this account in Charge Off status, but it is still being reported as having a balance due. In addition, they are marking every month in the payment history with CO marks, this is illegal since it is a closed account, so it should not be updated every month. 

I attach evidence of how they are reporting it

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 2022-04-29
Company: Affirm Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, my underage XXXX son attempted to purchase concert tickets and ended up purchasing from a 3rd party website that was NOT the primary point of sale site for this event. He purchased two tickets using my " affirm '' buy now pay later account. I was notified of the purchase via email as soon as it went through and instantly contacted the company, XXXX XXXX, to request a cancellation. I explained the situation and that the purchase was made by a minor and was unauthorized. XXXX XXXX  stated they would not cancel and refund the purchase, but suggested we list them for resale on their site- which would net them additional money as they take a portion of the sale proceeds as commission on the sale. I mentioned that I did not feel comfortable listing tickets for sale when we do not have possession of them- and especially when it will put additional money into their pocket, which seems unreasonable ( we still do not have the physical tickets and i believe my son may have been scammed which is why i immediately attempted to cancel the purchase and dispute the charge ). I reached out to affirm and gave them all of the information and documentation and filed a dispute for the purchase. I have repeatedly reached out to them for resolution, to no avail. I was told that by filing a formal dispute, we would not be responsible for the monthly payments until the dispute had reached a resolution. Due this information, I did not make the first monthly payment. Upon missing the payment, i began to receive daily calls and emails from affirm, attempting to collect the debt, and threatening my credit. I spoke with multiple representatives who called in an attempt to " collect the debt '' was each time I told them about the dispute, they confirmed my credit would not be impacted. Finally, on XX/XX/XXXX, after yet another call from a representative attempting to get me to make a payment over the phone, I had told them it had been well over 90 days since i filed the dispute and I am now feeling harassed and that there MUST be resolution for this unauthorized charged, since the XXXX refuses to cancel the transaction. I received an email on XX/XX/XXXX from affirm, stating they are not ruling to cancel the transaction and that I am responsible for this debt and will need to pay or my credit will be affected and reported. So I am now filing this report in hopes that my credit will not be impacted moving forward, and to dispute any negative remarks from affirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: U.S. BANCORP
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I applied for a business checking account on XX/XX/23. I opened my account with a {$250.00} deposit from my credit card, and it was charged on that date. U.S. Bank required additional documentation to verify my identity. I provided that, and my account was opened on XX/XX/23. My credit card was charged again on that date. I have provided a screenshot of my credit card account showing these duplicate charges. I reached out to U.S. Bank customer service via chat on their website. I was told to dispute the charge by U.S. Bank customer service. I have provided screenshots of this conversation. After I attempted to wire money to my U.S. bank business account on XX/XX/XXXX, I found out that my account had been closed. I was informed that the reason was because they had received a chargeback for the opening deposit. I explained that customer service told me to dispute the charge, and I was told that a manager would reach out to the department that closes accounts and that I would receive a callback. I never did. I followed up with a different manager, and he was unbelievably rude and dismissive. I was told that there was no way that I could have been charged twice, and that the account closure was my fault for disputing the charge. I implied that I would file a complaint with CFPB, and he discouraged me from doing so. He said that complaint would be dismissed, because I did not have any evidence. I have attached the evidence. This is entirely U.S. Bank 's fault, and they refuse to take any responsibility. I did exactly what I was told to do by U.S. Bank customer service, and they have attempted to blame me for their mistake.

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 2017-04-09
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
" Get a {$400.00} bonus when you open a new Citigold or Citibank Account checking package, deposit {$15000.00} of non-Citi funds within 30 days, and keep the funds there for 30 consecutive calendar days '' - Citibank website. 

In XXXX Citibank widely advertised their promotional offer. They promised to pay {$400.00} to the new users of Citibank account package/Citigold account package. {$15.00} XXXX deposit was required. Initial {$15.00} XXXX deposit should have been kept on account for 30 days. They promised to pay {$400.00} bonus at the end of 90 days term. Link to the original offer on their website ( unfortunately, does n't work anymore ) : https : //banking.citibank.com/cbol/16/checking/aquisition/400-offer/default.htm XXXX : I opened Citibank account package and made a qualifying deposit. Money was kept on account for 30 days. After 90 days no rewards were paid to my accounts. 

XXXX : Gave a call to Customer support, asking what 's going on with promotional offer. Investigation was opened, Reference number : XXXX. 

XXXX : Got a letter regarding investigation from XXXX, specialist of Premier & Escalated client Services of Citibank. Letter stated : " A credit of {$400.00} is being processed to your account in fulfillment of this offer. '' Letter is attached to this complaint. 

XXXX : Talked to XXXX from customer support. XXXX confirmed that I was eligible for the bonus and it takes up to 30 days to process bonus. 

XXXX : Citi still did n't pay promotional {$400.00}. Placed one more call to Customer Support to check the status of investigation ( from XXXX, Reference number : XXXX ). They say previous case was already resolved and they sent a letter to me. When I replied that I expect a result not a letter, they offered to create a NEW CASE TO RESOLVE THE PREVIOUS CASE. And provided me with a new case number : XXXX. Amazing customer service experience. 

I 'm not alone, you can see many similar complaints to Citibank across consumerfinance.gov website.

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 2021-06-15
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 demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My request is for MOHELA to review my account and count 48 payments made from XXXX as eligible payments for PSLF, as I was with a qualifying employer and on an income based repayment plan. XXXX  ( the Florida Department of Education loan holder ) is making it hard for me to process a TEPSLF by declining to upload to the Department of Education National Database, payments I made from XXXX. I filed for a hardship in XXXX and requested from the Florida Department of Education to reduce my monthly student loan payments. I was placed on an income based repayment ( see form attached ) I made 48 consecutive on-time payments ( payment history is attached ). A MOHELA supervisor ( case number XXXX ) instructed me to ask XXXX to upload the payments to the national database. XXXX has declined putting me behind on PSLF. Nothing has been reported since XXXX. XXXX emailed me my payment history and I uploaded it to the MOHELA website and have attached it here. I request MOHELA review my account and count these XXXX payments as qualifying payments for PSLF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: MA
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 sent letter to EXPERIAN they received on XX/XX/XXXX about new information of them reporting inaccurate Information on my credit report. They relied on XX/XX/XXXX all reported information is accurate but I can clearly see inaccurate data they are reporting on my credit report. EXPERIAN denied my reinvestigation. XXXX is reporting XXXX inaccurate Address ID ( Not my address ). 
XXXX inaccurate Monthly payment ( Not Report how can there be a balance ). 
XXXX inaccurate Account XXXX ( Account is closed ). 
XXXX inaccurate Date Payment received ( Between XXXX. XXXX through XXXX. XXXX the date payment was received is XX/XX/XXXX on every month. 
XXXX inaccurate past due Balance ( can not be a balance on charged-off account according to UCC laws ) XXXX EXPERIAN DID NOT follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
EXPERIAN is in violation of CFR 607 ( b ). 
EXPERIAN is in Violation of CFR 611 ( a ) ( 1 ). 
EXPERIAN is in Violation of CFR 616. 
EXPERIAN is in Violation of CFR 617.

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 2017-03-30
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
The company that I have an auto loan through calls me when I 'm a day late. They call me at least 5 times a day, not leaving any messages. We have asked them to stop twice, and they do not. They claim they use a " dialer '' and they have no control over 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 explanation
Consumer complaint received 2019-08-08
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX is reporting incorrectly to XXXX XXXX  Experian and XXXX  a collection in the amount of {$1200.00} on the XXXX  XXXX partial account number XXXX. ( Please see pages 13 and 14 of the attached credit report. ) This account belongs to my ex-wife and should not be reporting on my credit report. I have my own XXXX service with account number XXXX. Please see the attached copy of my billing statement reflecting my account number, billing period for current month and my name and address. This incorrect reporting of an unsubstantiated collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been 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 2023-02-08
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Amsher Collection Services, 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:
XXXX XXXX XXXX keeps reporting negetive reports on my consumer report with out my consent which is identity theft as well as infringement of my rights pursuant 15 us code 1681 b permissible purpose by written consent and the debt collector that is coming after me for the debt which is illegal pursuant 15 us code 1692 c ( b ) third party should not have info on my consumer report its illegal amsher collection recovery is third party target bank is creditor for them to discuss my report is illegal for XXXX XXXX XXXX to report this is fraud and infringement of my rights

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: MD
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 AM XXXX IM TRYING TO MAKE A CREDIT DISPUTE OVER THE PHONE WITH EXPERIAN AND I CAN NOT GET THROUGH. ALL THE NUMBERS IVE TRIED DO NOT WORK. I CANT MAIL NOR CAN I SEE A COMPUTER SCREEN. THIS IS ABLEST AN I HAVE A RIGHT TO CALL OVER THE PHONE.YOU CANT PHYSICALLY VISIT THEM.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10
Company: Self Financial Inc.
State: GA
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:
Sf/ Lead has enter my acct as negative info due to me filing a complaint with you about their credit builder practIce. I had thier credit builder to try boost credjt scroe and when i paid into this I was asked about their secure credit card and when I cancel the credit builder I still had THE scure card THAT was link to the closed acct., they refuse to list this acct as PAID. They've listed this acct shown below as SF LEAD ACCOUNT CLOSED AT CONSUMER REQUEST CLOSED. OR PAID BY COLLATERAL / VARIABLE ADJUSTABLE RATE WOW THEY ARE REALLY MAD AT ME AND THIS IS SO DIRTY ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 item of information, other than records of convictions of crimes 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 non-monetary relief
Consumer complaint received 2021-12-29
Company: EQUIFAX, 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:
All credit bureaus obtained my XXXX XXXX filing with the courts with XXXX XXXX XXXX in XXXX VA without my knowledge or without consent of the courts. The courts advise they do not release any confidential information to any credit bureaus. I would like this information removed from all company 's records as it is causing issues with my current life status. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Equifax XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2016-06-03
Company: DYNAMIC RECOVERY SERVICES, INC.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Was contacted by Dynamic Recovery for a debt they asked if I had the original creditor and I said I do not believe so, they said that is not the same as not having it, then they stated that they have information where I pay for XXXX cars at a rate of {$1000.00} each and I pay for XXXX credit cards. This information is not only grossly false but is an invasion of my privacy and is not a matter of public record and is not part of the debt they are claiming is associated to me and has not bearing on my financial status and this is all before they provided proof of the debt. They were argumentative and did not want to take my request for a dispute.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-10
Company: Credit Karma, LLC
State: OH
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:
They Always saying it wouldn't affect my credit score but when it did severely I contacted everybody that they Always redirect me to and Nobody Never Helped me!!! And after dealing with Fake Credit Karma XXXX  my score still haven't got back to where I was before all this Ridiculous XXXX... And with the help of XXXX, they're still false advertising the same exact XXXX!!!!!!!

Company response to consumer: Closed with explanation