BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-23
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company explaining amount owed

Complaint:
On XX/XX/XXXX, I woke up to my car missing. I called XXXX, and they told me it was repossessed. 

Billing Summary : Payment Amount : XXXX USD Payment Fees : + XXXX USD XXXX XXXX Payment Summary : Payment Amount : XXXX which includes a {$600.00} tow fee from XXXX, an hour away from my residency. I would also like to state that my car smelled like cigarettes after picking it up from the impound lot, and I had to get it detailed. 

After I was told that I missed the XXXX payment, and that the late fees incurred equaled total payments, not just late fees, I paid the XXXX bill in XXXX to catch up on one month. Every month was always paid since, and I have my bank statements to prove this. I was also told not to pay XXXX 's bill that was coming out of my account the very day that my car was repossessed. I have taken ownership of this automobile and have always paid the payment, whether a week late, but by the end of every month, except for the XXXX payment, which was paid a week later. 

I'm reaching out about my car being repossessed since claiming ownership in XXXX of XXXX. After starting my new job in XXXX of XXXX, my company pays twice a month. I started late in the weekly cycle and was not able to pay my bill on time until I was on a pay cycle. I automatically set payments to come out of my bank account and never knew about these late fees. I want to stress that since I've taken ownership of this automobile, I stress highly on making sure bills are paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am an XXXX  XXXX woman who was struggling to live in the cold northeast. It took every effort to make the move to my son in the west coast. I opened a new account with a local credit union and closed my account with TD Bank. Upon closing the account TD Bank informed me they would only give me an account closing statement or final account statement in person. I can no longer travel and should not have to travel to the other side of the country to get a closing statement. I am applying for low-income senior housing and they are requiring that I provide the TD account closing statement. I have talked with TD Bank on the phone several times and they insist I can only get a closing statement in person. My son says this is elder and disabled person abuse along with a volition of me being able to obtain my own data but I am unable to convince TD Bank to mail or email me the final statement. I appreciate any help you can provide in obtaining my final statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: American Credit Acceptance, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
There are Inquiries that are reflecting on my credit report that I have not authorized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: MOHELA
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:
An affidavit was sent in XX/XX/2022 and the debt was removed and the debt has now returned back on credit report. Ive attached what was sent certified mail in XXXX and a screenshot of the removal of the debt. Ive attached other supporting affidavits as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 just received a notice that a hard inquiry hit my credit today. I did not apply for anything in the last year or use me credit in any way

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 2023-07-14
Company: CITIBANK, N.A.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
I have been charged for a canceled product XXXXXXXX XXXX. I made an attempt to purchase multiple times in XXXX and all are canceled by the system. One purchase got succeeded on XX/XX/XXXX one time and made the payment for it. 
List of orders on this item 1. order -1 : XXXX on XX/XX/XXXX ( cancelled ) 2. order -2 : XXXX on XX/XX/XXXX ( cancelled ) 3. order -3 : XXXX on XX/XX/XXXX ( cancelled ) 4. order -4 : XXXX on XX/XX/XXXX ( cancelled ) 5. order -5 : XXXX on XX/XX/XXXX ( cancelled ) Order processed and payment also done. 
1. order -6 : XXXX on XX/XX/XXXX ( picked up at XXXX store ) An order canceled and changed : 4. order -4 : XXXX on XX/XX/XXXX ( cancelled ) charged on the card again on XX/XX/XXXX Amount : XXXX This transaction was disputed multiple times and the company didn't look into it properly and mentioned I am res [ responsible for the payment. 
the dispute happened multiple times because they don't want to reopen the old dispute. also, they advised me to close this dispute by mentioning it unknown charges so that they can close it and issue a new card. 

Thanks & regards

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 2022-12-28
Company: Self Financial Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, I am a consumer. I made an uninformed decision when I allegedly entered into this consumer credit transaction. There was no evidence of indebtedness, the only evidence of indebtedness was the agreement but that agreement is null and void. It is null and void because I made a uniformed decision meaning that I did not understand its meaning and it was not clear and conspicuous. Reporting late payments on my credit report every month is defaming my character.

It is preventing me from opening new accounts as well as buying a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
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 XXXXXXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXXXXXX XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, ( original Creditor : ) acct # XXXX, ( original Creditor : ) acct # XXXX, XXXX XXXX XXXX XXXXXXXX acct # XXXX, Child Support XXXX XXXX acct XXXX XXXX, XXXX XXXX XXXX  acct # XXXX late payments, XXXX XXXX XXXX  acct # XXXX 120 day late payments, cb indigo 60 day and 30 day late payments, Farmers Furn XXXX 30 day late payments 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 an 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 2019-10-15
Company: Resurgent Capital Services L.P.
State: AZ
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:
This company has hit my credit report trying to get an amount that was paid by myself through wage garnishment. This company has threatened me to take me to court and again garnish my wages. This daily harassment has caused an increase in my anxiety at which I am now taking medications to help me to manage the symptoms of anxiety. This has also hurt my credit by 21 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX, I wrote all three ( 3 ) credit bureaus to dispute the amount owed to XXXX XXXX XXXX XXXX, stated I had insurance at the time so the insurance company should have been charged. I also stated I had filed chapter XXXX and the debt may have been written off as a result of that particular filing. 

In XXXX XXXX I received communications from another collection agency upon which I followed up via letter advising I had insurance and provided the insurance information for them to contact my insurance company to address the issue. 

In XX/XX/XXXX I received communication from another collection agency, I contacted them and advised I had insurance and the matter should be addressed accordingly with my insurance company. I contacted XXXX XXXX and provided the information to Commonwealth Financial Systems on XX/XX/XXXX. I followed up numerous times to continuously be delayed. I then followed up the first week in XXXX again to be advised that they researched the matter and I was liable for the debt. On XX/XX/XXXX, I contacted XXXX XXXX whom advised although I had been constantly communicating and disputing this debt with XXXX XXXX and the various collection agencies they hired the actual claim was not submitted until XX/XX/XXXX and based on their lack of submitting the claim within a timely manner I the consumer/insured is not liable for the debt. 

This is completely opposite of what Commonwealth Financial Systems stated, they advised they researched it with my insurance company who advised since it was so old I was responsible for the debt. I have a copy of all the letters and communications sent to all the collection agencies hired on behalf of XXXX XXXX to collect this debt. 

This has been very stressful and in instances caused increase in rates for financing or complete denial based on the debt being on my credit report since XXXX and not being removed. I have been dealing with this issue for almost three ( 3 ) years and there is no end in sight to reprieve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Skopos Financial, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Was approved for a loan, but didn't receive money

Complaint:
Using XXXX XXXX it stated that I had " outstanding approval '' for a personal loan. I used the link and applied to XXXX XXXX for a {$2500.00} on XXXX XXXX, 2022 and was approved. I even got an email with a " Get my money '' link. There was nothing about it being a secured loan. It asked me for pictures of my car 's odometer as well as pictures of the front and back of my car and my car title. I did all that not realizing why they were asking for it. I also entered personal information and income. 

The next day, XXXX XXXX, 2022 a representative from XXXX XXXX called asking about my income. She asked me if my only income was XXXX and when I said yes, she rescinded the loan offer. She didn't say it was because the amount I get from XXXX, but because it was my only income. 

I responded to their loan approval email accusing them of discrimination. That evening the same representative that I talked to the day before called and that they were making an exception for me and approving the loan after all. That told me then that I was right, they got caught discriminating against me and where trying to fix it. It was then that the representative told me that it was going to be a secured loan with my car title as collateral. It's a {$2500.00} loan and my car is worth around {$6500.00}. Ite APR was to be 35 % which is higher than a credit card. 

I received another email with instructions on sending them my car title and signing the loan. I didn't go through with the loan as I feel I was discriminated against because I'm on XXXX and their tactics seemed shady.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
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: Account status incorrect

Complaint:
On XX/XX/2022, Sent letters out to all XXXX credit bureaus. Its been over 30 days for them to investigate this matter. This information on my consumer reports is hurting my credibility and my lively hood. 

If I have to wait longer please inform all XXXX credit bureaus to do a proper Investigation according to the FCRA a proper " investigation '' The term " investigative consumer report '' means a consumer report or 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 who may have knowledge concerning any such items of information. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
All credit report agencies are reporting an alleged bankruptcy on my credit report profile. I asked how they verified information, was told XXXX who I then contacted them directly they said they could not validate information and would remove it. I then sent the credit reporting agencies proof of that noticed, they then gave me statement now saying the bankruptcy courts told them about this alleged bankruptcy. I contacted bankruptcy courts and sent all 3 credit agencies notices from the court indicating they did not and yet they refuse to remove this false information. Attached is proof. I need all 3 credit bureau ( XXXX, XXXX and Experian ) to remove this inaccurate information as my score is being penalized for it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
On XX/XX/2022, Sent letters out to all XXXX credit bureaus. Its been over 30 days for them to investigate this matter. This information on my consumer reports is hurting my credibility and my lively hood. 

If I have to wait longer please inform all XXXX credit bureaus to do a proper Investigation according to the FCRA a proper " investigation '' The term " investigative consumer report '' means a consumer report or 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 who may have knowledge concerning any such items of information. 

Thank you.

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 2021-05-26
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Please note : I'm making 2 complaints, one against Chase and one against XXXX as they are partners in this issue and neither satisfied the rewards as described. I applied for a Chase XXXX XXXX credit card XX/XX/XXXX ; I received communication in my XXXX - inbox XX/XX/XXXX stating they were reviewing the application and on XX/XX/XXXX stating the card had been approved. I initially applied for this credit card for the reward of an " {$250.00} XXXX e-gift card instantly, upon approval from XXXX '' ( see XX/XX/2021 letter from Chase ) and also for the " XXXX points after [ I ] spend a minimum of {$3000.00} ''. The offers have now changed and I can not find the original guarantee - however, in multiple contacts with Chase the offer was verified. I have not received the e-gift card. As of today, I have not received the points. I've sent multiple inquiries and have had multiple phone calls with both XXXX and Chase. In these communications I've explained that I have not received the 'e-gift card '. In each instance, neither company takes responsibility and both state that the other company is responsible for the issue. For both companies, they have stated both in writing and on the phone that the e-gift card should be provided by the other company. Please see the multiple letters and other documents provided. I'm hoping that this complaint will escalate the issue to higher level employees at Chase and XXXX that can help resolve this issue as I've requested that - I've requested communicating in telecons, I've contacted these companies and have no resolution. Please contact me with any questions/concerns. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I would like to be provided proof I consented to this inquiry for " XXXX XXXX XXXX via XXXX XXXX  ; XXXX XXXX XXXX via XXXX XXXX XXXX ; XXXX   XXXX  via XXXX ; XXXX  ; XXXX XXXX XXXX ; XXXX ; TRANSUNION XXXX XXXX XXXX ; TRANSUNION CONSUMER INTE ;

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 2023-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX a XXXX payment from XXXX XXXX was frozen ( actually the entire account was frozen ) due to this person saying the transaction was fraud. I contact capital one. I advised I have all the evidence from the person who sent the money that it was not fraudulent. I even have a message from him saying he told his bank to pull the transaction complaint back and yet capital one still paid him back the XXXX and closed my account completely. How can they give money back to someone who agreed it was not fraud and their bank asked for it to no longer be disputed? 

I want my money back as it was an authorized transaction from XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
As I was looking at my credit report as I do very regularly and came across an account that showed up on my credit report on XXXX from XXXX XXXX without any prior knowledge, I received a letter dated XXXX from XXXX XXXX XXXX PA stating that I need to send a letter if I wanted to dispute the validity of so called debt and required that I send in a response by XXXX. This account is illegally reporting on my credit report and in violation of my consumer laws, in many cases I have to right to seek litigation. It is illegal to report this account to the CRA if I provide such dispute before given deadline which was XXXX and an investigation must be completed. Here is the tracking number for the letter send certified mail : XXXX which was delivered on XX/XX/2023, XXXX am. 
I will also attach the letter sent to XXXX XXXX  XXXX below. 

15 USC 1692 ( e ) and 15 USC 1692 ( f )

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
XX/XX/XXXX contacted XXXX in regards to the removal of late payments from XXXX through XX/XX/XXXX. 
I requested documentation of forberance history. 
XX/XX/XXXX I received that information in the mail, and it shows during those periods, I was in fact in forberance. 
XX/XX/XXXX I contacted XXXX for removal they denied it stating they would not remove it XX/XX/XXXX I filed an online dispute with the credit bureaus Transunion, XXXX, and XXXX. 
XX/XX/XXXX no update claimed accuracy XX/XX/XXXX I mailed a certified letter to the 3 agencies with documentation that I got from XXXX and other forms. 
XX/XX/XXXX XXXX undated information as accurate from XXXX and didn't remove them XX/XX/XXXX called XXXX to reinvestigate information under FRCA and seeking violation of not removing items This late payments of being 180 past due are affects my life tremendously. I have papers from XXXX then XXXX showing that I was in Forebarnce and therefore the reporting is inaccurate. I assume going against the DOE with their own forms is difficult. I have the proof from the Department but what they are sending the agencies I figure is totally different. I'm not even sure what XXXX, is giving them saying the late payments are accurate I've fought yearly in disputing this and now that I have the papers of proof and it does not change. Makes me belive it's a greater problem

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