BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-02
Company: Americas Car-Mart, Inc.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
In XXXX I was excited to buy a used car from Car Mart I bought a used XXXX XXXXXXXX XXXX First week car ran fine after the first 35 day 's I went out of town where vehicle almost killed my entire family. For no reason the gas pedal quit working while 9n a highway Infront of a speeding semi and I had to run off the road to save us. When I tried to pull back off car would only do ten miles a hour which we had to pull over again. I was stuck there on the side of the highway for over a hour and car ran fine again. I immediately took it too the shop and said they would take care of it. First week ran by they lost the car keys claimed I had them second week I was told it wasn't ready mind you I am still making my payment on time 3 months I paid I got to drive it for 35 day 's finally get the car back all is great then it did it again I called and told them and instead of asking questions about when can they repair it I was a day late on a payment because why would I pay for a car that could harm us. I called and they said it be another 2 weeks for it to get to the shop so I immediately took the car too em they threatened it be a voluntary repossession I said whatever keeps my family alive and gave em the keys. They resold the car too some poor soul and still put past due and repo on my credit and when I tried to dispute it went right back on my credit mind you it's not on all 3 it's on one and still no one wants to hear me so this is my next step. Yes I do feel when you owe you should pay but also if the vehicle is dangerous how dare they put it 9n my credit if they had the car more then I did? Lemon law is only 30 days but for a XXXX XXXX XXXX grandma I don't go out of town unless it's family events so to worry if the car gon na kill us why do I not have any rights to return it and not loose my XXXX credit score now due to them selling a death car I lost XXXX points of my credit score and that's just XXXX and wrong

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Opened new credit card account with XXXX XXXX serviced by Citi Bank and purchased {$71.00} Received bill XX/XX/XXXX and made payment of {$35.00} on XX/XX/XXXX 1 day after due date and to an old Home Depot Account ending in XXXX that was in my bill pay system. 

XX/XX/XXXX received next bill and noticed first payment not applied. Amount due was {$100.00} Called to have overpayment of old account transferred to new account ending in XXXX. Made payment for balance of XXXX on XX/XX/XXXX. Called and spoke with XXXX and Was told late fee would be refunded. 

XX/XX/XXXX received bill for old account ending in XXXX with {$35.00} credit balance removed. 

XX/XX/XXXX received bill on account XXXX for {$100.00}. Did not reflect credit of {$35.00} from old account. {$42.00} in fees was added. 
Called XX/XX/XXXX spoke to XXXX who email with credits issued in the amount of {$2.00}, {$29.00} and {$40.00}. 

XX/XX/XXXX called and spoke to XXXX and XXXX XXXX. She issued emails indicating credit issues for {$2.00} and {$29.00}. 

XX/XX/XXXX bill only showed credit of {$35.00} and {$40.00} plus a late charge of {$31.00}. 
Called XX/XX/XXXX spoke to XXXX people and then XXXX who was to transfer me to a XXXX however was disconnected 3 times during XXXX minutes on the line. 
I have been receiving XXXX collection calls per day except for XXXX and XXXX XXXX hollidays. Received XXXX yesterday and XXXX today before I called stating they were collecting a debt in the amount of {$78.00} of which {$29.00} was past due. Don't know how to stop these late fees.

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 2022-02-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have mailed, faxed, emailed, and called each bureau XXXX, XXXX, and Experian. I have done everything that's been asked I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with this bureau 40 plus days ago and havent received anything. Correction I did get a letter from XXXX telling me that they were not going to investigate because they believed that I used a third party, I did use a third party " THE CFPB '' which describes how you are suppose to style the letter and the dispute. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors. Each Time that I have called the Bureaus they seem to act as if I need to start the process all over again. I have read the CFPB guidelines and the XXXX XXXX don't seem to care about the rules. XXXX XXXX you are the final help in what millions of Americans are up against please stand your ground make the XXXX  XXXX accountable for their sloppy performance.

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 2023-02-24
Company: Experian Information Solutions Inc.
State: GA
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:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding an old child support case ( Commonwealth of VA ) that is being erroneously listed as a closed consumer account on my XXXX credit report. This account has been closed for several years, and I have not made any payments towards it during that time. Despite this, it remains on my credit report, negatively impacting my credit score and making it difficult for me to obtain credit. 

I would like to highlight that a child support case is not supposed to be listed as a closed consumer account, as it is not a debt owed to a creditor. In fact, the inclusion of a child support case on a credit report is specifically prohibited by federal law. The Fair Credit Reporting Act ( FCRA ) includes a provision at 605 ( a ) ( 9 ) which states that " no consumer reporting agency may make any consumer report containing information related to ... a case in which child support is owed or due. '' Therefore, the listing of this outdated child support case on my credit report as a closed consumer account is not only inaccurate, but also a violation of federal law. This listing is negatively impacting my credit score and ability to obtain credit, despite the fact that it is not a valid consumer account. 

I request that the credit reporting agency remove this account from my credit report immediately, and take steps to ensure that my credit report is accurate and up-to-date. The listing of this child support case as a closed consumer account is a clear violation of federal law, and I expect the agency to take immediate action to correct this error. 
Thank you for your attention to this matter. 

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 non-monetary relief
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX XXXX  in XXXX XXXX has fraudulently place {$800.00} dollar into collections. I moved out after giving notice to do so regarding a water leak they kept ignoring for weeks. After giving them notice of my intention to move out they asked to come fix the problem. I told them I would have to be home for the repair and we scheduled it for the next day. They decided to come to my apartment while I was not there and did a quick fix and did bother covering my furniture and electronics leaving drywall dust everywhere. Even with my notice via email and in person, they still decided to say I owed {$800.00} over to them. 

XXXX at XXXX XXXX XXXX was also given notice prior to my moving out and still sent {$1100.00} over to collections.

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 2021-03-13
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a secured Mastercard with Citi Bank. The amount of the security deposit ( {$2500.00} ) is equal to the amount of my Citi bank Mastercard credit limit. I have had this card for 13 months so as loans / credit / banks are concerned this account is " seasoned ''. Any time I make a payment in excess of {$100.00} Citi bank holds my payment for 3 weeks or until I call them and they then call and verify with my bank ( XXXX XXXX XXXX ) to verify that the payment has been debited. Whenever I question Citi Bank reps ( I have had this conversation with Citi Bank multiple times over the course of the last 13 months ) as to why they do not automatically give me credit for the payment within 1-2 days of my bank paying them their standard response is " We don't have the payment ''. When i tell them that money moves like emails they tell me it does not. When i ask them why, when i have never missed a payment or had a returned check that they still hold my payment for weeks without crediting me in spite of the fact that my account is now seasoned theyll tell me " We have not received your payment ''. When i ask them if there is a 3 week delay between the time XXXX XXXX debits my account and they receive the money as they are insinuating they tell me " I do not know ''.

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 2021-03-13
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I got a email from paypal yesterday stating that they decided to end my account for what ever reason and then goes on to state a refund I have been waiting for for 5 months is sitting in paypal with a 21 day hold not they decided to make it 6 months. They only doing this because they sold paypal credit to XXXXXXXX XXXX in the middle of a bunch of packages from XXXX missing and not getting to me. They said because they tracked to washington dc that I must have gotten them in MN. They refused to refund my money for purchases I paid foir thru them and I was told by 2 separate paypal reps to sign up with a new email and use a different card. I never got a letter saying I was limited at all they took away the paypal assurance and ripped me off for total maybe XXXX or more. I had also been told to deal with this outside of paypal> Those were the very worlds well thats what I did called my bank and told them what paypal did and they reversed the charges. They would have done the same thing and I waited as long as I could without loosing my right to have the bank do that. They have no reason to put a hold on my refund from 2018 that I just got sent to me from XXXX. They were paid long ago for those funds and I have never ever been told a thing like the guy from p0aypal cooperate is stating. I had paypal close my last account and had to demand they did it. 
I had to wait the required amount of time to close it while still using the account as they took away warranty there was XXXX risk to them. They just charge the seller back that never got me what I paid for. and had no tracking numbers to show I got anything. 
They sold my paypal credit to a bank and never even looked into the items I didnt get. 
Who cant follow there own rules, paypal. But to act like a XXXX year old refund as hostage so they can feel big thats wrong. I hope CFPB does a number to paypal this round in court. Paypal is out of control ; and so rude to Americans and back XXXX sellers when there in the wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Incomm Holdings Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
I submitted a complaint to Vanilla Gift Cards for a {$220.00} gift card that was used by someone else. I submitted a complaint to the company Case ID / XXXX and after many months of being given the run around, I was told that the charges were more than 6 months old so they would not refund the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to dispute the following information in my file. I have contacted the agencies several times to update and report the corrected information : The following addresses : XXXX XXXX XXXX, XXXX, Tx XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Tx, & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX is inaccurate, there are several variations of this address as well so this is how you know that this address should not be reporting on my credit report. I am requesting that the item be removed to correct the information : XXXX XXXX XXXX XXXX XXXX, Tx XXXX is the only address that should be reporting on my credit profile. 

Enclosed are copies of a current utility bill for proof of address, social security card & proof of ID. I've been at my current address for the past 3 years. Please reinvestigate this matter and delete or correct the disputed item as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: PNC Bank N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
An overdraft cash advance fee was charged in error after making a deposit into my checking account and selecting an express funds availability option, funds were not made expressly available and an overdraft cash advance was initiated against my credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-02
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC
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:
XXXX BANK WRONG SSN SHOWN ON MY REPORT - REMOVE IMMEDIATELY XXXX XXXXXXXX XXXX - INCORRECT ACCOUNT DETAILS-REMOVE IMMEDIATELY

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 2023-10-31
Company: I.C. System, Inc.
State: CO
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt collection agency IC System Inc. has listed a collection of {$710.00} on my accounts with credit agencies including XXXX and XXXX. They claim to be collecting on behalf of XXXX XXXX, which seems to be a telecoms company offering XXXX internet and cable. 

I have never had a relationship with XXXX or XXXX XXXX. Indeed, I have not been a resident of the United States since XX/XX/, and I have certainly not had any telecommunications bills in that country since then.

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 2023-01-15
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: Information belongs to someone else

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: VA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Experian Information Solutions Inc.
State: SD
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:
Experian will not allow me to submit a dispute on the website. I must waste my cellphone plan minutes for a 15 minute wait! 
The information that needs to be corrected is : I have never lived in Florida! The Florida address is the result of an account takeover involving 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 non-monetary relief
Consumer complaint received 2022-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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:
In according with the Fair Credit Reporting act XXXX  Account # XXXX have 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 its also states a consumer reporting agency can not furnish a account without my my written instructions My account name and number

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 2023-03-01
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am filing a new complaint against this company because again they are not reporting accurate information. Total paid : {$410.00} + $ XXXX {$720.00} total remains : {$280.00}. I have proof of these payments. First payment was back in XX/XX/. I have given them substantial time to fix the balance. Class action needs to happen. There are families that they like to see suffer. The people that work for them have no heart. They dont follow standard rules made by the federal government.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
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:
I have been submitting disputes for SEVERAL MONTHS NOW against the accounts that these three bureaus keep posting in my credit report. I have reason to believe that these accounts are all INACCURATE and UNVERIFIED information but they keep showing up in my report. They have not shown any legal evidence to prove that these accounts were made by me or owned by me in those months that I have been asking for proof or any signed agreement. I asked for legal advice and was informed that what they are doing is against my rights and is not compliant with the FCRA/FDCPA. This has been causing me tremendous stress and mental anxiety, not to mention FINANCIAL concerns especially in these times of pandemic. They have not been very helpful in resolving these matters and I have been contemplating on taking them to court to resolve this, however, it would be more helpful for me to have the accounts corrected SOONER rather than later and thus, the main reason for me giving them, literally, ONE MORE CHANCE to do the right thing and REMOVE all these inaccurate and unverifiable information from my credit report. I hope you could help me to shed light to them regarding the matter. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation