BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-31
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: Was not notified of investigation status or results

Complaint:
I sent letters to the credit bureaus on XX/XX/XXXX but I still have not received a response. Due to Covid 19 I expect things to be delayed a little, but it has nearly been 2 months now. The bureaus are supposed to have 30 days to respond to me so they are clearly in the wrong at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, 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 took out a XXXX  auto loan XX/XX/XXXX and paid it off in full XX/XX/XXXX. After XX/XX/XXXX, I entered an agreement with XXXX  that the phone rep agreed to due to Covid. It was a hard time for everyone and XXXX  agreed to follow the CARES Act Impacts Credit Reporting which states that they will not report late payments going forward during the COVID emergency on my account. Now I entered this agreement with the account as current. This agreement was to continue through the pandemic which actually just ended. I never let the car go to crazy past due and always paid but they charged me insane fees along with reporting my car late 11 times during this period. Four 30 days late, two 60 days late, and five 90 days late. XXXX  broke their COVID Agreement and I believe violated the above mentioned law and now I am paying for it on my credit. Not only is the closed account current status showing " late 30 days '' but it has those 11 late payments on it. I am struggling to get back on track because this is holding down my credit score. Since I believe XXXX  violated the COVID rules and promises to me I am requesting that either you remove the late payments and also current the current status or you delete the account from all three credit bureaus. I hope this escalation can handle this situation so there has to be no further action taken because I am not satisfied with how I have been treated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30
Company: EQUIFAX, INC.
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:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that XXXX  this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: ALLY FINANCIAL INC.
State: FL
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:
On XX/XX/2023, I sent in documentations to verify my identity with Ally Financial services. I'm going to assume the information was recieved because they sent me a card on XX/XX/2023. On XX/XX/2023, I attempted to add my card to my XXXX XXXX account and I contacted to verify the information to successfully add it on to my account. However, when I was contacted I was told because I just got the account and because I didn't call from my number that's on file ( phone was dead ), that I needed to send all this information in again because they believe it's fraud. To be accused of doing fraud towards myself is beyond me and then each representative I spoke with had a disgusting attitude and demeanor. There's absolutely no reason why I need to keep sending all my personal information to this company because it's beginning to feel sketchy and fraudulent. I also want to put on record that I am lawyer. I've also uploaded proof that I sent this information to this company on XX/XX/2023.

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 2020-02-20
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt has been paid on time since XXXX of XXXX. It has been turned over to several collection agencies and removed on several occasions from my credit reports. 

The original creditor has also recently tendered a payment, a check in agreement to cease ALL reporting. However, the collection agency is still reporting this as a collection to the credit reporting agencies. Their reporting has been removed twice in the last few months. I would also like to know how I can legally take action against the collection agency. I have attached 1 example of where this collection was deleted XX/XX/XXXX. It was deleted from all 3 credit bureaus!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
On XX/XX/2021 PayPal confiscated all the money in my account, {$7200.00}, claiming I was in violation of their acceptable use policy, and that the money they confiscated was for " damages ''. I have had an account with PayPal for over a decade, first selling books, and then selling tools and firearm parts on my website for over four years. I was not aware that PayPal had an issue with gunsmithing tools and firearms parts until I recently read their acceptable use policy.

I was never told what part of PayPal 's Acceptable use policy I was in violation of, but according to PayPal 's acceptable use policy, under the AUP, which provides that " you may not use the PayPal service for activities that... relate to transactions involving... ammunition, firearms, or certain firearm parts or accessories, or... certain weapons or knives regulated under applicable law. '' I assume the issue was because of the firearms related items I sell, however I did not sell anything illegal, I did not sell any firearms or ammunition through my PayPal account. Under the AUP, " certain firearms parts or accessories '' are against the AUP. Which firearms parts are against the AUP, and how can the benign tools I sold possibly damage PayPal, and by what accounting method were these damages calculated? According to the AUP, certain firearms parts are acceptable, but some are not. Is the AUP purposely vague? I maintain that Papal is illegally confiscating their customers money, without warning or explanation. Even PayPal 's shareholders are concerned with this illegal practice, and have filed complaints with the SEC. There are now attorneys working on a class action lawsuit to get the millions of dollars back to the innocent people that PayPal has stolen from. I find it incredible that a financial institution would risk getting the reputation of taking their customers money without warning, and without recourse, and on a very vague and non-specific policy. Why would anyone take a chance on having money in a PayPal account when it can be arbitrarily confiscated?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: CREDIT ACCEPTANCE CORPORATION
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CREDIT ACCEPTANCE CORPORATION is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$9200.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2012 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2023-05-08
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: Their investigation did not fix an error on your report

Complaint:
To whom it may concern : I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards. For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Repeatedly dropping credit score due to reporting alleged debt multiple times. Multiple calls, harassment and threatening language for an alleged debt. The amount was {$1900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: EQUIFAX, INC.
State: MO
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:
Dispute of Double Reporting I only had one acct with XXXX XXXX in 2019 Acct XXXX you have 2 accts on my credit report for the same day and year and amount i only the first office sent me to XXXX XXXX Mo so i think you guys put two Acct but only got one i included my credit report so you can see XXXX the other ACCT number as you can see i got double reported for 2 accts i wouldn't be able to get 2 loans same day please see to credit Agency to delete i will file legal actions also file CFPB against XXXX XXXX i spoke with XXXX XXXX Chief Complaince Officer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Auto Trakk, LLC
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: Account information incorrect

Complaint:
XX/XX/XXXX my car was in an accident and the car was totaled out on XX/XX/XXXX and the leasing company Auto Trakk was paid XX/XX/XXXX. The company Is stilling reporting the account open and said they are not closing the account because {$500.00} deductible for the insurance. The company is not reporting accurate info on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: EQUIFAX, INC.
State: AR
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/2019, I placed freezes on my credit files and reported identity theft due to an account being fraudulently opened with XXXX with my credentials. I contacted XXXX and they immediately closed the account as a fraudulent account. Ive disputed the hard inquiry on my XXXX report multiple times, but still the company refuses to remove it from my credit file. This is an error on Equifaxs part and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: JPMORGAN CHASE & CO.
State: NJ
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 dropped off my new equipment to be serviced to XXXXXXXX XXXX XXXX XXXX. There was a manufacturer defect which they promised to take care of since it was under warranty, equipment was purchased less than two weeks prior to this.

Equipment was fixed and I noticed that my Chas

e Visa debit card was charged {$3100.00} for the repairs. Since I was told that this will be covered under warranty, I was surprised so I gave him a call, and they promised to reimburse me the full amount.

About two weeks went by, and nothing happened about receiving the refund from XXXXXXXX XXXX XXXXXXXX XXXX. So I decided to call my bank Chase and open up a dispute. We disputed an amount of {$990.00} because it was what they thought it was fair due to labor cost, they said that parts cost will probably not be refunded since the work was performed. 

This was about XX/XX/XXXX. We did receive the {$990.00} from our dispute. However the vendor contacted us and told us that they were deducted XXXX from Chase and whether we had opened two different disputes, we said no we only open one dispute for XXXX. After speaking to Chase every day for almost 2 weeks trying to figure out where this extra {$1000.00} came from, they realize that they had erroneously done a chargeback of {$1000.00} to XXXXXXXX XXXX XXXXXXXX XXXX along with the {$990.00}. 

Weve been in contact with Chase for many weeks almost every day and been told that XXXX XXXX XXXXXXXX XXXX will be refunded their {$1000.00} by the end of XXXX and that the dispute was already resolved and it was in Visas hand to refund XXXX. Its now XXXX and they still have no idea where the {$1000.00}, Chase says that Visa has the money and visa says that we have to take it up with Chase. 

How this affects us is, XXXX XXXX XXXX XXXX has promised to refund the full amount of {$3100.00} however because they were overcharged by Chase with an erroneous 2nd dispute that came in as a chargeback, they can not refund us that remaining {$1000.00}. 

To summarize, weve only received {$2100.00} because the other {$1000.00} is in limbo waiting on visa to refund XXXXXXXX XXXX XXXXXXXX XXXX. So that XXXX  can refund us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
fedLoan Servicing -- I have submitted my employee recertification form for PSLF verification, in XX/XX/XXXX, for the months of XXXX XXXX XX/XX/XXXX. Since I have been doing this annually since XXXX, I am aware that it generally takes about 2 wks, however effective today XX/XX/XXXX, nothing has been updated and I have received no information. I have called or communicated thru messaging on at least 5 occasions and have spoken to supervisors, only to be told we have no updates for you. Finally after my 4th call someone told me I should have uploaded my cert form thru a new feature on their site called the PSLF help tool and I would have been approved much faster, rather than uploading it to the usual " upload docs '' section. I have never heard this or done this so I resubmitted my docs thru the help tool in XX/XX/XXXX. Well, they approved my payments of XXXX XX/XX/XXXX, but left XXXX XX/XX/XXXX unreviewed! So I called again and they said it's still under review. I have had the same employer for 11 years and have submitted multiple employer cert forms- it absolutely does NOT take over 6 months to determine that my employer, a COUNTY, is a government agency. Furthmore, XXXX XX/XX/XXXX were reviewed and accepted within a week, thereby proving that it does not take 6 months. And why weren't all my prior months reviewed up to XX/XX/XXXX? What is the hold up? I am getting no answers, no help, no apologies, nothing. Furthmore, I noticed that they approved months XXXX XX/XX/XXXX for TEPLSF only, yet months XXXX XX/XX/XXXX were on the same exact payment plan with the same exact employer, and we're approved for BOTH PSLF and TEPLSF. Makes zero sense and I need answers and updated employer certification, bc as I learned by watching the news, they will not be my provider after XX/XX/XXXX, and I want my account current. I have done everything I am supposed to do on my end and I expect the same from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below CAPITAL ONE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
Wells Fargo has added late payments to my credit report for an old account as retaliation. This account has been inactive since XXXX and added late payments for 2 months in 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 2019-09-20
Company: WELLS FARGO & COMPANY
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am reaching out in hopes that someone who is reading this can try and help me in my unique situation. I am stuck in a hard spot where my ex-husband is required to sign a paper that the lender is requesting but I cant provide it because of the toxic relationship between my ex-husband and I. 

My lender is requesting a quitclaim document after they previously approved me for a modification and trial payments using only the income information I provided on my behalf. I am officially divorced from my ex-husband and have an official decree, but they are still demanding the document. My ex-husband and I have a non-existent relationship ; I am the sole provider and have been paying for the home since our divorce without any help from him. He hates me and has previously tried to cancel my plans for a loan modification. Again, I was previously approved for trial payments and a modification with just my information, but now they are still demanding the documents even though I have explained the situation. For example, I spoke with XXXX XXXX of Wells Fargo home loan department on XX/XX/2019 and he informed me that I could accept the trial modification, which I did, and that I did not need to do anything else at that time except formally accept the trial modification. Then on XX/XX/2019 I received a request for a quit claim document and divorce decree signed by my ex-husband, who has not been involved with this process at all.

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