BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-17
Company: EQUIFAX, INC.
State: IN
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:
In XX/XX/XXXX I got a credit report pulled and it was showing that I had been 17 times late on my car payments with XXXX XXXX I call them that day and they told me that I was behind on my car payments two difference cars. I told them that I had the bank statement show that I did pay them and on time. I had to fuix to them my Bank statements it took them three months  before they gave me credit for thos payments there was two payments that they told me that I did not pay I fax a letter to XXXX and told them they must report to all three credit agents that I had not been late. But they never did. I have been on them since XX/XX/XXXX. I got a call today from XXXX saying they wanted to let me know that they was going to have 14 late 's removed from my credit reports. i told them that they was going to cause me to loss our home because I have a bloom payment in XX/XX/XXXX. The lady said so there is nothing that I am going to do about that. I call the head office of XXXX in XXXX IL. and they sent me my pay History and it show that I have never been Late on my payments. I have a loan company called XXXX XXXX XXXX that is working with me on refinancing our home But they are telling me that they can not do the loan until I get all off my report. I even sent they my bank statement showing I had paid them on time. I need your help. I have all the proof to all three credit  Bureau 's and they still have not removed anything and it has been three months. I have sent it them each month and all the proof that this is fraud from XXXX XXXX. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My name is XXXX XXXX .Paypal closed or limit my account for just no reason. After receiving funds to my account, I could not withdraw the funds or make used of the funds in my paypal account. I was told funds will be held on my paypal account for 180 days, but now it is more than two years. No email from them about the release of my funds. My paypal email is XXXX I will be very happy if this can be resolved for me because I need that funds to fix a lot of things right now Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Experian Information Solutions Inc.
State: TN
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 file 4 disputes to Experian and XXXX about a bankruptcy that is not mine but it keeps coming back verified. The address that reports the bankruptcy is a address I never lived. I called the Bankruptcy court in my city and they informed me they do not give out information to the credit bureaus so I asked Experian and XXXX  their method of verification of how this debt was proven to be mine. XXXX  could not verify that this bankruptcy was mine and therefore deleted the bankruptcy from my public records, so how Experian and XXXX  were able to verify such thing. This experience has cost me homeownership because this is not my bankruptcy and I have no documents from the court stating I filed bankruptcy. I have included a screenshot of XXXX  public records section showing none.

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 2018-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2018 and XX/XX/2018 XXXX XXXX XXXX and XXXX XXXX XXXX ran my credit without my authorization. When informed XXXX  and XXXX that I did not have a signed contract with these dealerships nor was it authorized, they refused to delete the inquiry

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Maximus Education, LLC dba Aidvantage
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
A couple of issues : when I make a payment, those payments take up to three days to show up as pending on my account. I have made payments and then gone back to look to see if they are there only to not see the payment I made. Twice now I have made an extra payment because of this issue. 

Aidvantage will not pick up my calls in a timely manner. I call at exactly XXXX XXXX  and I am still on hold for XXXX mins to speak to a rep. 

Aidvantage will give me an error saying try this payment later after I hit submit. Well, those payments go through and I end up paying Aidvantage extra money due to their website issues. I am currently XXXX business days into a wait for my refund. This is all unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: WA
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 is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I sent a letter addressed to the Credit Bureaus last XX/XX/2022 requesting that the Credit Bureaus conduct an investigation and correct the information being reportied by the furnishers. I have also sent letter before the said date and have been waiting for the Credit Bureaus to respond and yet they have sent me nothing. The 3 credit bureaus must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct from erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX Late Date 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 2023-06-23
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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 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 2020-04-03
Company: EQUIFAX, INC.
State: GA
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:
A few years ago my wallet was stolen on my way out of the country and when I returned back to the states I learned my cards had been used. I called all my credit card companies and informed them of this issue and sent in supporting documentation of proof of my travels to the XXXX XXXX the purchase was also not my usual trends of purchase. All corrected this matter except XXXX  XXXX XXXX. They completed a poor investigation as well as closed the account after informing me all fees and issues would be taken care of. While reviewing my report I noticed they reported late payments during the months the case was under investigation. I spoke with numerous representatives and was informed this would be corrected. Yet after over near 13 years of great business with this organization my promised credit line and incorrect late payments have not been restored after this issue was resolved in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: HOME FINANCING CENTER
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Beginning in XXXX of 2021, we contacted our mortgage company to have PMI insurance removed since we were well beyond the 20 % equity required in the subject home, We had an appraisal conducted, at our expense, which we forwarded to them. After repeated calls, they told us they would get back to us about when it would be reviewed and the PMI removed. To date, over a year later, they have yet to remove the PMI or explain why not. They keep insisting we need to speak to a specific person who has NOT ONCE returned a call. They just ignore messages and the representatives who answer the phone say they can not help.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: GA
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:
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. 

Account XXXX : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: CITIBANK, N.A.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I co-signed student loans in XXXX when I was XXXX years old. My co-signer paid his loans to Citibank before XX/XX/XXXX. In XX/XX/XXXX, I was not living at my old address and did not use the phone number any longer that was on the original application when I co-signed. In XX/XX/XXXX, CitiBank sold their student loan portfolios to XXXX XXXX XXXX XXXX yet credit reporting and other documents still show Citibank as the lender. Occasionally, I would check to see if payments were paid up to date by the original signer. I signed in online and saw that the loans were no longer there. It was XX/XX/XXXX, I was not able to get in touch original signer and I saw a {$0.00} balance on the loans. By XX/XX/XXXX, I was able to speak with the original signer and he told me he thought I was paying the loans because he saw his online CitiBank account had a {$0.00} balance as well. I called Citibank who then informed me that my loans now belonged to another lender. It was a very busy time of year, I missed the payment by 35 days ( 5 days past the credit reporting ). It is also 5 loans, when I really only make one payment per month. I  would like this removed from my credit report due to the confusion and lack of explanation for transferring of loans. I have called XXXX XXXX XXXX XXXX who says they will not adjust anything that is more than 60 days old.

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 2020-04-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid 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:
In XX/XX/2029 I Ourchased clothing from a company paid {$430.00} The clothes arrived made cheaply and poor quality runs small / XXXX size Talked to seller and mailed items back as requested and got a tracking number. Informed ciiti card I mailed the items back. Gave Citi the tracking info Since XXXX to XXXX I have called and spoke to disputed given them info abt tracking mailed items to seller and Citi card has now closed my case and DID NOT refund my {$430.00}!! So I hav no products and no money!! Since Covid I can not reach anyone and the phone calls will not go through! I have emailed them no answers from Citi! I need my money refunded Citi credit card disputes XXXX Im so disappointed do not feel protected and will be closing Citi card the customer service is the worst I really need help getting my money back!! In 35 years I have never had such bad customer service with any credit card!! Thanks

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 2022-04-14
Company: EQUIFAX, INC.
State: VA
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 U.S.C 1681 Section 602 A. States I have the rights 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 response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
When seeking out information about why I was receiving notices with zero payments due. Then the next day I would have a delinquent notice. I was simply confused and needed to see the other side. At this point, operator XXXX jumps on the phone to let me know the answer to my above concerns in this manner, " well that national advisory you had consolidate your loans, they helped you to falsify your income and documents to get that rate. Did your income even change? At this point the conversation is over, because I will not be spoken to like dirt! Two things I have a problem with, your customer service agent just called me a liar and a thief. Do the research and the math. Texas XXXX 45hr+night diffXXXX that's 47 hourly straight pay. Wyoming same nurse 32hr+XXXX night diff..XXXX, it's about XXXX less an hour. Plus I worked two jobs up til now. It would be well advised to educate this individual on customer care. In my profession my boss would of already had me escorted off the property ... 
Respectfully, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Gravamen Asset Management Group LLC
State: MO
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 was contacted by a phone agent a few weeks ago about this, and attempted to explain I just had a XXXX XXXX XXXX removed due to identity theft from my late brother. ( See last CFPB complaint ). The agent was rude, refused to help identify the debt, cut me off repeatedly when I tried to explain what happened and tried to fix this. The agent cursed at me and told me I could pay the {$600.00} whatever now or he would make sure they got over XXXX XXXX dollars. He treated me and spoke to me like a criminal and gave me no opportunity to resolve the collections any other way. He was so rude I assumed they got my information again and it was a scam attempt. 

This agent knew that I was claiming this debt was not mine, I attempted to resolve the identity issue and they refused and processed this into collections ruining my credit again anyways.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Experian Information Solutions Inc.
State: MN
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:
My credit card account with XXXX XXXX Credit Card states 30 days late with payment on my XXXX XXXX and Experian credit report. Thats inaccurate. I have never been late or missed a payment. All my payments I have made to XXXX XXXX have been on time payments.

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 2023-04-21
Company: FIRST CITIZENS BANCSHARES, INC.
State: IN
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:
On XXXX of XXXX I was contacted by CIT bank, First Citizens bank Direct Capital. in regards to the ability to be financed on a Truck lease or loan and then was told after getting approved that I was also approved to receive additional cash loan of XXXX. The total payment was XXXX which I began paying. 
Then in XXXX my payment shot up to XXXX and XX/XX/XXXX and charged twice then XXXX again in XXXX automatically with no call or explanation. I finally noticed the larger amounts in my account and contacted them to find out it was for Insurance which I already had on the vehicle since I purchased the truck which I proved to them and I was told I would get refunded for which I have not seen yet. I stopped the automatic withdraws until they refund the money and now they are threatening to repo my vehicle. The following is the transaction records from my bank for the payments. In XXXX they sent a notice of default stating I was late XXXX. They did not pay back the money that was added to the original contract payments. 

XX/XX/XXXX Direct Capital Nh  Checking - {$1500.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX | + Add tags XX/XX/XXXX Direct Capital Edi XXXX - {$1500.00} Business Vehicle lease | XXXX XXXX XX/XX/XXXX Direct Capital Edi  Checking - {$2000.00} Business Vehicle lease | XXXX XXXX XX/XX/XXXX Direct Capital XXXX Checking - {$1800.00} Business Vehicle lease | XXXX XXXX XX/XX/XXXX Direct Capital Edi  Checking - {$1800.00} Business Vehicle lease | XXXX XXXX XX/XX/XXXX Direct Capital Edi Checking - {$2000.00} XXXX  Vehicle lease | XXXX XXXX XX/XX/XXXX Direct Capital Retry Checking - {$1500.00} Business Vehicle lease | XXXX XXXX XXXX | + Add tags XX/XX/XXXX Direct Capital Edi  Checking - {$1500.00} Business Vehicle lease | XXXX XXXX | + Add tags XX/XX/XXXX Direct Capital Edi  Checking - {$1400.00} Business Vehicle lease | XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 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 non-monetary relief
Consumer complaint received 2021-10-13
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Account # XXXX I called Bridgecrest on XX/XX/21 talked with XXXX. I advised her that I am now going to start collecting a pension. It gets paid at the end of the month. Today I called Bridgecrest XXXX told me that they weren't interested in helping me. He kept insisting he had to give me information whatever the XXXX that was. Bridgecrest has not helped during this pandemic that through a lot of people out of work including me. I was able to make the payment while I was receiving the extended unemployment but XXXX. XXXX cut that off. Luckily I turned XXXX and I am receiving a small pension at the end of the month. Bridgecrest refused to help. They said the loan is charged off and they weren't interested in renegotiation or helping out. They are refusing to give me a new loan, they refusing to help even thought I told them them about the pension. They did not notify me of anything. 
even though I told them they still went ahead with the charge off. I received no paperwork, no notice nothing. I really resent how this company is treating a senior citizen. I am sick of this XXXX. I am tired of the abuse that borrowers ' get from lenders. Abusing an old woman is not nice at all. I am honestly sick of this.

Company response to consumer: Closed with explanation