BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-18
Company: AFNI INC.
State: CO
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
There are a number of traffic court violations listed on my credit report incorrectly. The few traffic court cases I've had have all been resolved by paying fines and never resulted in any criminal charges for speeding. Why are these still listed in my credit report? The fines have been paid and the traffic violations should be off my record in each credit report? They happened years ago. 

The only loan open right now for me is a student loan that I've refinanced. the approximately {$10000.00} I have left when I refinanced is only a fraction of the over {$80000.00} that I initially started paying off over ten years ago when I graduated from college and began working full time. Therefore it is incorrect for my credit score to say that I have only paid off 15 % of my initial balance. I have paid off over 80 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
There are a number of traffic court violations listed on my credit report incorrectly. The few traffic court cases I've had have all been resolved by paying fines and never resulted in any criminal charges for speeding. Why are these still listed in my credit report? The fines have been paid and the traffic violations should be off my record in each credit report? They happened years ago. 

The only loan open right now for me is a student loan that I've refinanced. the approximately {$10000.00} I have left when I refinanced is only a fraction of the over {$80000.00} that I initially started paying off over ten years ago when I graduated from college and began working full time. Therefore it is incorrect for my credit score to say that I have only paid off 15 % of my initial balance. I have paid off over 80 %.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: JPMORGAN CHASE & CO.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
The local Government and XXXX XXXX and XXXX XXXX took my house after I payed it off.I have ths proof to prove it.Judge XXXX, AttorneyAuthment XXXX XXXX XXXX Manager, and sheriff XXXX was all involved.I need some help getting my home back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2020-10-23
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal sent me a message today that it was permanently closing my account without an explanation why. I tried to contact PayPal but their automated phone system immediately hung up on me, and PayPal has apparently locked me out of being able to message it online. I can assure PayPal I did nothing fraudulent or that would otherwise violate its terms, so I want ( a ) an explanation of what problem they detected and ( b ) an opportunity to dispute the closure and get me account reopened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19
Company: Paypal Holdings, Inc
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/20, I had been in contact with someone about purchasing a puppy. We discussed shipping the puppy from NC to my address. They set up a dummy website for a product that they do NOT carry ( XXXX puppies ). The seller did not contact me after the payment of XXXX was sent. I later found out that their website was a scam after the funds had been transferred. I contacted my bank to close my account to prevent the funds from be transferred. I made a dispute claim with PayPal twice and they closed the dispute both times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-16
Company: EQUIFAX, INC.
State: WY
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:
XXXX XXXXSs#XXXXXXXX XXXX XXXX XXXX Wyoming To whom it may concern: I have recently obtained a copy of my credit file with your company, (XXXX XXXX XXXX XXXX XXXX Account Ending In XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX) and I note that there is negative information being reported by Equifax in the file that you maintain under my Social Security Number. Upon reviewing my credit report, I see an entry listing account charged off. I challenge the accuracy, compliance, and report ability of this listing. Please validate this information with (XXXX XXXX XXXX XXXX XXXX   Account Ending In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX) and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611(a)(1)(A), and I am keeping careful records of your actions, including your Method Of Verification. I do not consent to e-Oscar or any other means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action of against your company seeking $XXXX  per violation for 1) defamation, 2) negligent enablement of Identity Fraud, and 3) violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like my fraud alerts removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XX/XX/XXXX car was repoed from santander. Went on ssdi from injury from work. Santader was informed. But wouldn't change day of my ssdi. Said would not change the date but i paid for a year and a half. Out of my ssdi they. Took the late payments. I paid over XXXX XXXX.  Car was repoed . Santader says i still over XXXX. Because late payments.  Wouldn't work with me due to my injury. Very bad company. Getting threatened calls taking me to court to get remaing balance. Help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My daughter XXXX obtained this credit card in 2016. The limit was XXXX. She only spent 80 ( approximately ). She had a medical issue and ended up in the hospital. During this time she made a total payment of XXXX.This still was not enough to bring the balance down. The total balance is currently XXXX, with the majority being late fees and finance charges. 

We called them and although they were willing to remove some of the late fees she was still responsible for paying XXXX via a payment arrangement even though we can demonstrate the she was legitimately in the hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: EQUIFAX, INC.
State: WY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX  While checking my most recent credit report, I noticed credit inquiries that I did not authorize, 1. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX 3.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  5.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX   6.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX 7.XXXX XXXX XXXX XXXX, OH XXXX 8.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b(c) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please  investigate per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: HYUNDAI CAPITAL AMERICA
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:
Summary of issue : I was sent a final remaining bill from KIA Motors in  XX/XX/XXXX for {$120.00}. I paid the bill in full on XXXX XX/XX/XXXX. In late XX/XX/XXXX I noticed on my credit report of a potential delinquent account from KIA motors for {$140.00}. I contacted KIA and they stated it showed I paid on XXXX XX/XX/XXXX, but a stop check was issued on XXXX XX/XX/XXXX and they never received the payment. I asked them why they never sent a message or called me prior to reporting it as a delinquent payment. They had no answer for this. I paid the full amount " again '' plus the {$20.00} late fee for a total of {$140.00} onXX/XX/XXXX. 

The stop check issue happened because 9 months ago my car insurance and bank " XXXX '' put a stop paymnet on my monthly payments to Kia because the leased car was totaled in a storm. XXXX and KIA were working out the payment issue to pay off the car. Both XXXX and KIA recommended putting a temporary block so no more monthly payments would be debited from my account since this car was totaled in the storm, unusable, and towed away by XXXX in XX/XX/XXXX. Unbeknownst to me XXXX made that stop payment permanent for all KIA transactions, hence why the XX/XX/XXXX payment did not go through. 

I have had steller credit for decades and no missed payments, collections, etc. The KIA reporting is not indicative of my credit rating or credit history. I asked them to request to have it taken off my credit because it was a mistake, they refused. 

I have spoken to KIA about this and they deemed the late payment to be valid, although they NEVER informed me the previous payment never went through. They did not give me a chance to rectify the situation, they only reported a delinquent payment. I have asked for a call back from a supervisor numerous times over the past year and never received a call. I have contacted all 3 credit agencies who refer me back to KIA to correct the issue. KIA will do/has done nothing to correct this. My credit score before all this was XXXX, after that one missed payment which I have never had, my credit score dropped to XXXX. This cost me thousands of dollars because I bought a home in XXXX. 

KIA should have informed me of the issue before placing it on my credit report. I was never given a chance to correct the issue, nor even told they was an issue. Found out myself 3 months after the fact reviewing my own credit report, ridiculous. 

Thanks in advance, 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 2019-10-22
Company: SYNCHRONY FINANCIAL
State: ME
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:
Sychrony Bank closed my Amazon account in XXXX of XXXX yet continued to process fees and reported to the credit bureaus as if this was an active account in continued delinquent status. This company went so far as to list the balance as a profit and loss yet never adjusted the amount to XXXX owed. This continually reflects an over the limit circumstance that is crippling my credit score. 
Sometime between XXXX of XXXX and XXXX of XXXX, Sychrony Bank hired XXXX XXXX XXXX to apply their algorithm- based computer system to attempt debt collection. My account was pinpointed as an account that could yield capital and in XXXX, XXXX I was served with notification that I am being sued by Sychrony Bank through the XXXX XXXX XXXX XXXX of XXXX, Maine for the exact amount they claimed as a loss on their taxes. It also needs to be mentioned that in XXXX/XXXX ( I believe ), Sychrony Bank reviewed my credit and although I was in continued good standing and current with this account, they chose to lower my credit limit to what I owed ( XXXX ), making this a 100 % use of credit that dropped my score. Subsequent over-limit fees were assessed for annual fees that would not have been should they have not punished me for having a late payment on an account that was not theirs.

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 2021-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 sent Transunion over 20 letters regarding fraudulent inquires & they send me letters back saying, that i need to reach out the creditor directly, i sent the letters to each creditor directly every 30 days for the last 4 months with no response. Transunion is the only company that responds but they say to reach out to creditor, i have ask Transunion and each creditor to provide me with written consent or a signature proving that i indeed made these inquiries and both companies fail to provide me with this data, therefore i would like these unauthorized inquires removed immediately. I have also spoken to over 20 representatives at Transunion about this matter and none of there representaves will help me with this problem. each inquiry is unauthorized by me and i did not authorize any of these inquires. 

inquires XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This account does not belong to me and i've been disputing it for several months now.

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 2020-08-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'M HAVING SERIOUS PROBLEMS WITH THE CREDIT BUREAUS NOT PROCESSING MY DISPUTES FOR ACCOUNTS RELATED TO MY IDENTITY THEFT CASE.

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 2021-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
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 name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that the XXXX Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX are reporting inaccurate information on BK OF AMER ( Account no. XXXX ) Also, I tried contacting the Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-08-10
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hi. I would like for PayPal to please fully review my account. I am in desperate need of the funds in my account and I have tried everything I can to prove to PayPal that the funds received are legitimate. I understand that PayPal is stating that they are holding funds due to them seeing I was a resident of XXXX. I have uploaded all the documents that I have available to prove that XXXX  benefits were due to me as well as the XXXX  benefits. I will re-upload all the documents I have submitted prior but I really pray that PayPal offers a one time exception or an explanation as to what additional information they need to open my account. I am behind months on bills due to this and I am unable to continue to build my businesses during this time. I am also facing an eviction because of this situation. The original 180 date was supposed to end in XXXX but now PayPal is saying the 180 days is over in XXXX. If PayPal is unable to release funds, I am asking if PayPal sticks to the original 180 day hold and release them accordingly in XXXX. 

Please PayPal act in good faith and release my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-04
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX of XXXX I've contacted CitiBank regarding an old account that I had no knowledge of it and now showing on my credit report and drop my credit score by 68 points during the process of getting a mortgage loan. Since there is an urgency I just wanted to pay it off/ settled, so they directed me to XXXX XXXX XXXX XXXX who was handling the account for CitiBank . 

The Balance was {$2300.00} and they agreed on accepting {$1500.00} as settlement in full if paid on that day XX/XX/2020. Attached is the settlement letter they emailed me and how to make the payment and that once paid they will let CitiBank know so that they can report to all credit bureau as paid. I made the payment of {$1500.00} the same day ( Confirmation screenshot attached ) as agreed. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX ( Attached letter ) thanking for accepting the settlement of {$1500.00} in full however it was still showing a balance of {$830.00} which was the difference from the total balance. This should had said {$0.00}. 

On XX/XX/2020 CitiBank reported the balance to XXXX as {$830.00} instead of paid in full. This is NOT what was agreed upon and have all the proof. As a result our mortgage approval is on hold until this gets cleared up as paid on all 3 credit bureaus.

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