BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On or about XX/XX/XXXX I went to deposit a check to my business account at Chase bank, at which point the teller said that my account is " restricted '' and can not accept any deposits or pay any checks. The bank manager wasn't sure why that is the case, since there was more than enough money in the account. The message in their system said that some information is missing. I spent most of the day filling out all kinds of paperwork, even though this account has been open since XXXX. In the meantime, the bank bounced some payroll checks, tax payment to the IRS and XXXX, child support payment for one of my employees, etc. After the account was reactivated, I asked for the letter explaining why this happened. Bank manager said that someone would contact me. To date, no one did.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-17
Company: HYUNDAI CAPITAL AMERICA
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My mother passed away in XXXX of XXXX and I am the sole beneficiary of her estate. Transferring her vehicle into my name was and still is the last thing I need to do to close out her estate. I have been in contact with Hyundai Motor Finance since XXXX of XXXX asking for the XXXX XXXX XXXX Statement ( XXXX XXXX ), but still have not received it. I've been told numerous times that my case was escalated and would be taken care of, but have not made any progress in getting the requested document. I was told on XXXX that their policy states they had to send the document within 4 business days, but as of today ( XX/XX/XXXX ), I still have not received it. The document has to be faxed to the XXXX XXXX XXXX  and every time I've called, they've confirmed they had the correct fax numbers to send it to and all of the information they had was correct, but can not let me talk to any sort of supervisor or tell me anything as to why the document has not been faxed. I've had numerous reps tell me my case is still in progress, escalated, and all sorts of other great things that sound good over the phone, but do not bring any sort of resolution. At this point, I'm honestly not sure what I can do to get the document and have started looking into 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 explanation
Consumer complaint received 2022-09-07
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XXXX CFPB compaint XXXX requested Paypal delete my data as my account is closed. Their response claims they " must '' retain records for 10 years. Why then does their website offer the option of data deletion? Either their response is false, or their website is a con. I want my data deleted as would happen if I were able to access the account and select that option through the Paypal website. No game playing. No twisting words. I want confirmation that whatever the " delete my data '' function does has been done. Or I want Paypal to admit this is a fraudulent offering and notify all of its customers to that effect. Obviously since they claim they emailed me and I didn't receive it ( no it wasn't in spam ) this is the only way to address this ongoing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Experian Information Solutions Inc.
State: DC
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 paid off a home equity credit line when I sold the property. XXXX received payment in full on XX/XX/2020. Since that time and after four ( 4 ) dispute attempts through Experian as well as a number of email and phone communications with XXXX directly, the account remains on my credit file as : 1 ) current ; 2 ) last payment XX/XX/2020 ; 3 ) {$28000.00} balance ; and 4 ) 64 % credit utilization. All of these items are incorrect, except the last payment activity. Experian refuses to change the data, even after requiring me to send proof of the payment and closed account status. XXXX says they informed Experian in XX/XX/2020 the account was paid off. They have made me provide proof repeatedly that the account is not reporting correctly. I've done this each time and yet as of today, the account remains inaccurate. This erroneous reporting is negatively impacting my credit score. No one will fix it. I've spent hours on the phone literally and written countless messages and disputes to get this fixed and as a consumer I have no recourse. Experian says they have to go by what XXXX says because they don't know if I submitted fraudulent docs. XXXX says the sent the correct info in XXXX and they can not resend it. Who can help me fix this mistake? I don't know where next to turn ... Thank you for your assistance and direction.

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 2023-09-30
Company: GOLDMAN SACHS BANK USA
State: PA
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 am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication XXXX any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
i was scammed for XXXX XXXX  tickets multiple times. they would show me the ticket that i would buy then not send it. sent money through paypal friends and family because they asked to get the money right away. im out hundreds of dollars that i can not get back. they would also lie and say the payment was never received and that they would refund it for me XXXX  as well which is attached in my bank app.then when i requested the money back they we no longer available

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: FISERV INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
Money Network card expired in XX/XX/2021, checked to find existing balance. online checked and found the following transaction - XXXX XX/XX/2021 ( {$81.00} ) Close Account XXXX XXXX. called XX/XX/2021 to get the replace card but explained that funds were returned to the purchaser, which is my employer. contacted the employer, gotten informed that funds never get to returned back to the purchaser.

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 2023-09-14
Company: AMERICAN HONDA FINANCE CORP
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XX/XX/XXXX I went to XXXX XXXX XXXX and purchased a new XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX with a sale paid XXXX per the window sticker. I had a Trade-In of a XXXX XXXX XXXX XXXX XXXX XXXX that had a loan with XXXX XXXX XXXX the amount of XXXX. I was to gross Trade-In allowance of XXXX. Which was give me XXXX for a down payment. What the dealership did was charged the amount of the vehicle to XXXX when I had not agreed to the amount was to be XXXX. The loan was with Honda Financial Services on a 60 month term at an apr of 5.9 % monthly payments XXXX. I was never given any paperwork just a USB flash drive. I call the dealership on XX/XX/XXXX after talking to Honda Financial Services and told the salesman, sales manager, finance about the amounts was not right plus the dealership add an extended warranty with XXXX in the amount of XXXX and gap insurance in the amount of XXXX. I told the XXXX XXXX and the dealership that I did need or want to have the XXXX warranty or the gap insurance. I have Gap insurance with my insurance company. Plus the XXXX Warranty runs at the sametime as my Manufacturer Warranty so I would never be able to use. XXXX XXXX dealership had me full out paperwork to cancel the XXXX and XXXX insurance on XX/XX/XXXX but never Process the paperwork. I was sold a new vehicle for XXXX but the The way the dealership presents papers is on a desk that's a computer screen they have you signed the papers and before you can even read them and than thry disappear. Now I went to the dealership after having the new vehicle one week. I talked to the dealership was told all if this was a mistake and they would fix it due to the amount of the vehicles price with keyed in wrong. Nothing has been done and today in XX/XX/XXXX. I sold the vehicle of XX/XX/XXXX. No vehicle can be sold at a new automotive dealership upside-down or be sold fir amount that is not Fair marker value. 
You're

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I started the modification process in May with PHH Mortgage  Company. I started sending documentation through their online portal. I called often to check on the status of my modification package and each time I was told I was missing documentation, that was already sent. I would resend the requested documentation and follow up with a call where I was told that I had other documentation missing. This continued until XXXX. In XXXX I was locked out of the online portal which said the username and password were wrong. I tried changing the password and eventually called the tech help number. They told me they couldn't get me into the portal. At that point I called and got the paperwork to resubmit the ENTIRE package again, this time through email. Again, I was told repeatedly that I had missing paperwork and that I submitted the " old '' hardship paperwork. I turned in the " new '' hardship paperwork and waited. When I called to follow up I asked to talk to a supervisor. I was put on with a supervisor that immediately emailed me the " new '' hardship paperwork in which I immediately filled out and sent back to her. I called on XX/XX/2019 to follow up and she said the dates were wrong and that I needed to send in the tax returns page 2 again. I did so immediately and she emailed me back that everything was in and and she was going to be out of the office until after XXXX and she would get in touch with me on Friday after XXXX when she returned to work. I never heard from her on Friday the XXXX in which I emailed her but the email came back that the email address didn't exist. I called her direct line today and extension and it said the number was disconnected. Throughout this whole process I was assigned a " relationship manager '' in which I never spoke to once. I spoke to someone different each time I called. I asked to have an appointment with the " relationship manager ''  and was told they do not make appointments. I received a certified letter on XX/XX/2019 and summons papers that my house is in foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
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:
I may be a victim of the Equifax data breach. I need advice on how to make sure my name is clear. Any advice would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
In general, you must report any taxable amount of a canceled debt as ordinary income from the cancellation of debt on Form 1040, U.S. Individual Income Tax Return, Form 1040-SR, U.S. Tax Return for Seniors or Form 1040-NR, U.S. Nonresident Alien Income Tax Return ( attach Schedule 1 ( Form 1040 ), Additional Income and Adjustments to IncomePDF ) if the debt is a nonbusiness debt, or on an applicable schedule if the debt is a business debt. See Publication 4681, Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ). 

XXXX did not provide me with a 1099-C therefore making my 2019 Taxes Incomplete and Misrepresented. Information on credit report for XXXX needs to be DELETED for this inaccuracy. On all Credit Agencies ( XXXX, EXPERIAN, XXXX ) And all secondary Credit agencies.

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 2022-08-14
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:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), Here is a list of the incorrect addresses that I am currently Seeing listed ( which I would like removed please ) : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, TN XXXX ( Previous/In correct Addresses ) There should only be one address listed on my report that is listed on the heading of attached letter. 
I also noticed that my name appears to be misspelled on my credit report. My name only has one Correct spelling, and there should be no variations listed because my name has no variations my name is listed on the heading attached letter I enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Also, Please remove in accurate employers as well as listed below : XXXX. XXXX 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 2023-03-16
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: Their investigation did not fix an error on your report

Complaint:
My admitted inaccurate data from XXXX keeps changing due to Metro 2 data entries which removed the remark Account closed at consumers request. The attached XXXX data pulled XX/XX/2023 at XXXX states : Account Information Changed. Remark code removed from XXXX account. Between XX/XX/2023 and XX/XX/2023, the following remark was removed from this account : Account closed at consumers request. Accounts changed from closed to open constitutes a prohibited example of lack of internal CRA and Furnisher controls to prevent Facially False Dara from being reported as clearly written recently by CFPB Director XXXX XXXX. As Senator XXXX XXXX would say : Are you kidding!!! My Account must be permanently reported as both Closed at consumers request AND Disputed. Permanently DELETE my account from every CRA as incompetence in entering Metro 2 will never be assured to be accurate and in compliance with the FCRA and Metro 2 requirement standards.

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 2021-09-01
Company: EQUIFAX, INC.
State: CA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Westlake Services, LLC
State: GA
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:
The dealership up and closed I believe they went bankrupt. My transmission went bad and I found out the warranty I had qas no longer any good. After this some company calles Westlake started calling and demanding payment but my contract was void at this oint because the Warranty I aid for was bo longer valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: MD
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:
Equifax announced that there was a breach of over 143M consumer names drivers licesnese social security numbers date of birth and other very critical information. Equifax has information with respect to who is impacted by the Breach but require a consumer to waive legal rights in order to obtain that information. 

Time is of the essence to find out but if you use equifax to tell you they will require you to waive certain legal rights including rights to Class Action Lawsuits. 

I request the company provide via all means possible immediate and unrestrictied notification of the breach and the natture of the breach as well as offer on an unrestricted basis any and all protections for credit in that situation without constraint and without the cute little notice that provided for free but then converts automatically to a paid account. 

The head of the CFPB should be in direct contact with Equifax and tell them that all operating authorit will be withdrawn until they are in compliance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: CAVALRY INVESTMENTS, LLC
State: NV
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:
Good afternoon, Calvary Portfolio Serviced ( XXXX ) account ending in XXXX {$4000.00} 15 USC 1681 section 604 " states rights to consumer privacy '' Reporting agency 's can not furnish an account WITHOUT my WRITTEN consent!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Atlanticus Services Corporation
State: MD
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:
These companies are violating the Fair Credit Reporting Act ( FCRA ). These companies have pulled my credit report without my consent. 

XXXX XXXX XXXX XX/XX/XXXX sales financing company XXXX XX/XX/XXXXXX/XX/XXXX ; XX/XX/XXXX personal loan company XX/XX/XXXX XXXX XX/XX/XXXX bank credit card company XXXX XXXX XX/XX/XXXX department store credit card Fortiva XX/XX/XXXXXX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief