BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-27
Company: Experian Information Solutions Inc.
State: NJ
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:
Hello, XX/XX/2011 I filed for bankruptcy ( Chapter XXXX ). To my understanding, the law firm handling my case said that the derogatory mark will fade off my reporting history within 7 years. I now know that that was false information. I was about XXXX years old and did not have any understanding of how credit worked. The amount that went into Bankruptcy was about {$10000.00}, something I could have paid off over time had I known about debt consolidation. I now am credit savvy and have kept a 99 % payment history on a line of credit of {$42000.00} since reopening a credit line nearly three years ago. 

I hired a credit repair company to help me with this removal but after 8 months of slow progress and money spent I decided it would make more sense to try myself. So I personally reached out to XXXX, XXXX, & Experian but to no avail. 

Due to this global pandemic with COVID-19 the economy is in a very rocky state and I just want to secure a house for me and my family. I want to finally become a homeowner. I hope we can come to a solution so I can boost my score and finally begin my homeownership process with the best interest rates that good credit can provide.

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 2021-02-26
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
The, below, is a copy of the letter previously sent to Chrysler Capital, with all personal information deleted, explains the situation. 

Good morning : My name is -- - and I was a very good customer of Chrysler Capital when I bought my son, a car on XX/XX/2015. " XXXX '' got his car because we honored our word that if he worked hard to get good grades in high school, we would get him a car. XXXX kept his word and so did we. 

When we bought " Son 's '' car from XXXX in XXXX, MI iXXXX XXXX, we signed a contract with XXXX and gave our word that we would make timely payments on the car over a certain period, and for doing so, we would get to keep the car and obtain a great credit report from Chrysler Capital. We kept our word, never failing. 

At the same time, we bought " XXXX '' car, we bought GAP insurance. Under the control of XXXX, our salesman, the GAP Insurer, chosen by XXXX, was XXXX, ( See Exh. # 1 ). We had no idea of the abject HORRIBLE reputation XXXX had for NOT keeping its word to protect its customers interests. ( See Exh. # 2 ). Before paying our claim, XXXX gave us the same deplorable run around experience they, seemingly, gave all their other customers. 

Unfortunately, my son totaled his car on a snow-covered road sometime thereafter. Thank XXXX he was unhurt. When that happened, we expected XXXX to honor its word to pay the GAP insurance on a timely basis. XXXX, did NOT honor its word, lost information and asked us for the same information multiple times. 

As a result of XXXX terrible record of paying claims I received a very bad credit report from Chrysler Capital. Despite my continued calls and communications with Chrysler Capital that XXXX was using every possible delay NOT pay my claim, Chrysler Capital reported me 90 days late and a Charge-off. The GAP insurance was eventually paid by XXXX but the damage to my credit was already done. This has bothered me for the last two years. I kept my word and was damaged despite having no control over the outcome by a GAP insurer chosen by XXXX. 

I do understand I have arbitration rights ; however, I am asking Chrysler Capital to do what I believe is right. I was a customer that was NEVER late with a payment because my credit is important to me. PLEASE consider removing all deleterious information from my account. 

If you would like to contact me, my email address is XXXX and my cell number is -- - The VIN associated with this account is -- -- and the last four of my SS # are -- -. Thank you. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-19
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I open a PayPal account about a year ago in late XXXX like XXXX. I never used it then XX/XX/XXXX I had a friend send me some money. When I logged in to my PayPal account that evening it showed that my money was there but it said that my friend had sent the money like he was paying for a service or a product so my money would be held from him for 21 days I called PayPal my friend Got sent an email via PayPal to click on something in his email then my funds were no longer pending in my PayPal account they were in there and it said it was available for me to use. So I connected my debit card to my account. Tried to transfer my money to it so I could withdraw some of it and it wouldnt let me. I was on the phone for three hours that night before PayPal closed and they just didnt answer anymore and they had me on hold and they kept telling me I had they had to verify who I was so they verified me through my cell phone they verified me through email. And still that evening to no avail I could not get any money. The next day I was on the phone with them seven different times that wouldve been XX/XX/XXXX to the told all that it took up my whole day about seven hours Ill because every time I went to transfer my money to my debit card or to my bank account so I could get my money out of PayPal it wouldnt work it would say they needed to verify who I was so then I have to sit on the phone at one point I sent on the phone for an hour waiting when it came down to it they said that I could transfer the money to my card thats what I had to do so they had to transfer a portion of it to my card and then they told me it would take 72 hours before would be released to my card because they reserve the right to hold my money for whatever reason they see fit then again they said they had to verify who I was so I answered a bunch of questions that I guess only I would know and I did that and it still didnt clear it up they are still holding my money Ive had no money all weekend I cant even transfer money to a friends PayPal like they said I would be able to do on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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/XXXX I sent money to this young lady for service to do my hair. I never received the service. It turned out to be a scam because she blocked me after the money was sent to her. My bank declined the transaction for the larger amount of money. They sent XXXX back to be.on XX/XX/XXXX they well be taking XXXX and XXXX back out of my account because they dont approve it. They only approve the XXXX and XXXX. They told me to contact the person I sent the money to but how can I contact a scammer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-06
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: Reporting company used your report improperly

Complaint:
I sent letters off to the credit reporting agencies and they haven't responded yet, it been over 90 days. I told the credit bureaus to investigate every piece of information on the account I have listed below. 

inquiry : 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 account : XXXX According to the FCRA the term " investigative consumer report '' means a consumer report or a portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. If they would have done a proper investigation they would have know that these accounts that are listed are accounts that were opened by fraud, due to my personal information that was leaked on the dark web due to the XXXX data breach.

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 2019-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I got served for this debt in XXXX, my nephew was handed paperwork for a judgment. This is when I became aware of this debt with Bank of America. I spoke to my Attorney XXXX XXXX and he agreed to represent me since I had no knowledge of this account or use. When we went to court someone from Bank of America was there to represent them and showed me an itemized bill for how this CC was being used. There were charges to flights to XXXX, AZ and other places. I showed my passport to show proof that this was never me who took these vacations or that I used it. There was no stamp of indication that I have ever flown out of Colorado, it was plain. They compared my signature with the one 's Bank of America had and they were completely different. When the representative from Bank of America ( XXXX XXXX ) testified she came to the conclusion that this was not me who took this CC out but my EX- Husband. We showed the divorce papers to show that we had divorced in XX/XX/XXXX and he would be the only person that could have done this since he would have had my personal information. After showing all the evidence the judge and BOA agreed to dismiss this debt. However, When I tried to apply for this home loan this year this account is still appearing 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 non-monetary relief
Consumer complaint received 2023-08-08
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have contacted the Servicer multiple times in an attempt to correct my credit reporting information. I even had a conversation with the loan guarantor along with a member from the escalations team of the servicer. The guarantor explained to the servicer that the loan should have been granted coverage under the CARES Act based on the updated information shared in XXXX of XXXX ( Link below ) XXXX XXXX XXXXXXXX To which the servicers said they ( Nelnet representatives ) have nothing that states that information and they ( Nelnet Servicer ) didn't make any error on placing the loan in default. 

Given the guarantor is going to following the XXXX XXXX XXXX guidelines provided for the Department of Education, the request was to correct the credit reporting as it is negatively affecting borrowers until it gets corrected with the XXXX XXXX XXXX. I am sure there are other borrowers who will have a similar impact and this should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: JPMORGAN CHASE & CO.
State: FL
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:
Hi I have been a loyal customer of Chase bank for years. And I just received a letter from Chase Bank XXXX XX/XX/2022. It's a notice about they will shut down all my accounts, including my deposit account and credit card account. But they didn't tell me the reasons why they did it. I have already tried to call them, but they still didn't tell me why and they are refused to reopen for me. I used their credit the most for my everyday use. It's really inconvenient that they just closed all my accounts and it's also not right. Please help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was shocked when I reviewed my credit report and found two late payments for the following dates : XX/XX/XXXX & XX/XX/XXXX I am not sure how this happened. I believed that I had made my payments to you when I received my statement. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I had a checking account at Bank Of America.I I had a friend who was in XXXX working on oil well who requested help getting medication.and supplies via bitcoin. The funds were sent to the finance dept at the oil company. The bank raised a red flag and it was investigated. There was absolutely no fraud I was assisting an ill man get desperately needed medication from an illness of inhaling dust fumes over long period of time from his work.Bank Of America closed my account on XX/XX/2021. 
There is report of suspicion of fraud on my credit report. I am not able to open a new bank account at any other bank now. The manager at XXXX XXXX XXXX told me to get a letter from bank of america stating there was no fraud but they refused. 
I want to open a business and can not begin to achieve this unless this negative report is removed quickly

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 2021-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Company put a hold on my card so I can't use it even though I specifically called to complain about the hold being on the card. Spent the entire day trying to get the hold off the card. Still to this day the hold is still there even after expressing not wanting it. And I still can't use my card. There reps would not assist. I told their rep to remove it before my call got disconnected. It took nearly 2 hours to reach them in the first place. Hold times are ridiculous. Terrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit on open and any consumer plan as late for any 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 non-monetary relief
Consumer complaint received 2023-01-13
Company: EQUIFAX, INC.
State: KY
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:
All, The Equifax reporting agency is not updating my file to include my birthday thereby making the credit report useless because neither myself nor a bank can get my credit report or score. My credit union can not pull my report and this is costing me money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: DISCOVER BANK
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:
On XX/XX/2023, I sent an affidavit of truth to the following companies regarding reporting inaccurate information to my consumer file at XXXX, XXXX and XXXX. The first complaint was sent to Discover Bank, XXXX  XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX. According to the tracking numbers that were provided in the affidavit of truth they received the information and the dispute and continue to report the errors to my credit file. The following financial institutions are continuing to violate the Fair Credit Reporting Act after I requested to exercise my right under 15 USC 1681 ( i ) ( a ) ( 2 ) ( B ) 2 Exclusions please see attached affidavit of truth.

Also, under the Fair Credit Reporting Act and the Federal Trade Commission specifically the Gramm-Leach Billey Act 15 USC 6802 Obligations with respect to disclosures of personal information and my right to opt out from credit reporting was violated by these financial institutions.

All five of these financial institutions knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties, which include XXXX, XXXX, and XXXX. They knowingly and willfully withheld information that explains how I the consumer can exercise the non-disclosure option. The following accounts are in violation of the Fair Credit Reporting Act XXXX. Discover Acct # Card ending in XXXX XXXX. XXXX  XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: EQUIFAX, INC.
State: TN
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:
Our home was destroyed by a tornado on XX/XX/XXXX. It was uninhabitable. I went into a forbearance plan for the months of XXXX through XX/XX/XXXX. The loan was sold to a different company in XXXX. Under the forbearance plan, I was not required to make payments and this would not affect my credit. I was incorrectly reported to the credit bureaus in XX/XX/XXXX for non-payment. I notified XXXX of their mistake. They investigated and provided a letter admitting their mistake and stating they will correct it with the credit bureaus. The letter was dated XX/XX/XXXX. I was not made aware of this letter until XX/XX/XXXX. The credit bureau Equifax was NEVER notified or corrected and it is STILL reported incorrectly as of XX/XX/XXXX. I have notified XXXX multiple times but keep being told " it is under investigation '' and nothing more can be done for 30 days. This is preventing me from being able to buy a new home for my family. I have unfortunately already put an offer on a home and it was accepted. I will not be able to secure the new mortgage due to this continued error and will lose all of the money I have spent on inspections and appraisals. The seller is only extending the offer for 5 more days. I have had multiple phone calls and emails to XXXX that have not made a difference. The worst part isn't that we lost our home and everything to the tornado ; it's that I did everything I was supposed to on my end to properly go into a forbearance plan and keep the mortgage company up to date. But here I am, just trying to buy a new home for my XXXX children but unable to because of XXXX 's incorrect reporting and refusal to fix their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have sent mailed my FTC report to Transunion and Im still waiting with no response. I feel violated and a violation of my rights.

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