BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-17
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My loan with Credit acceptance was being taken out directly from my checking account. My bank removed the payment without notice therefore, I was unaware it was not being paid. By the time I discovered it my payments were behind several months. I have started giving higher payments since then. First payment was {$500.00} & then {$190.00} every 2 weeks. As you can see loan is going down? This is highly affecting my score & very unfair. Please help? 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 explanation
Consumer complaint received 2019-04-17
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was involved in a romance scam. He kept stating he kept having a serious of unfortunate events and needed money. XX/XX/XXXX he contacted me through a social media called " XXXX XXXX '' We exchanged emails, numbers and text. Stated his name is XXXX XXXX and lives in XXXX XXXX NJ Stated he was an XXXX XXXX XXXX. Sent me pictures of what he claims to look like. Eventually he claims he went to XXXX and things kept happening. Machine fell in water and he needed money, no access to bank account or his credit cards, got in a car XXXX, got XXXX, needed money for medical bills, food and airfare. Wallet got stolen. Finally this XX/XX/XXXX he repeated his story of getting into an XXXX and sent same pictures. I am still in contact with him superficially because I want him to get caught and stop. He does not know I know. Through XXXX XXXX and Chase bank I have sent over {$15000.00} to several different people. He claims his name is XXXX XXXX. I believe i was depositing money for a scam. I deposited money to XXXX XXXX, XXXX XXXX Florida chase account XXXX XXXX XXXX , XXXX XXXX ohio , XXXX XXXX XXXX ga XXXX chase account number XXXX , XXXX XXXX XXXX XXXX, utah chase account XXXX I have filed a report with local police but they dont think they can do anything and have not contacted me further. I have receipts, pictures, texts and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
equifax, XXXX  and XXXX  are reporting credit inquires on my account i do not recognize and that were never initiated by me. I have mailed a letter to all 3 bureaus requesting them to investigate and remove these inquires from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX and experian taking way to long over 30 days to fix a ftc claim fca

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 2019-03-25
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Im gon na do my best w/dates. Memory issues. I complained through your company and received a refund somewhere in the area of {$3000.00}. Thank You. But after more investigation I found one year that TCF charged me in the area of {$13000.00}!!!!! In overdraft fees that not only did I not authorize I actually went into the XXXX XXXX branch where Im sure they have copies of the exact date and times I was inside which is only a hand full.That day inside the he I was speaking with a rep from your company on this and even sent original Tcf statements showing the dates ( approx ) a year, the massive amount of TCF unlawful charges they charged my account in 12 month period. I specially went there that day to specifically to demand if there is no money in my account I do not want you to be nice and let it slide along with {$37.00}, $ XXXX. If the money aint in the account DO NOT LET IT GO THROUGH, PERIOD!!! XXXX XXXX XXXX. I know There is settlement in place for victims of this greedy with willful and won ton evil intent took our hard earned money! And the CEO OF TCF Yacht has the name OVERDRAFT on it??? The arrogance of this man. Basically said to me XXXX I got your money .Thank you keep banking with me and Ill keep treating you just like everyone else, my word Anyway about the settlement. Im in one of the 5 states Illinios. And mine is a rather large amount. Please let me know what to do to get involved in that settlement over XXXX? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: EQUIFAX, 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 REVIEWED MY CREDIT REPORT AND I NOTICED SOME DISCREPANCIES ON MY REPORT. I WOULD LIKE FOR THEM REMOVED FROM MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 am a victim of Identity Theft. There are 2 accounts with Bank of America that are damaging my credit. They are not mine. I have send several demand letters to Bank of America and have heard no response to help is resolving my issue. I have also disputed these fraudulent accounts with the bureaus and am getting no where. I will attach my credit reports and identity theft affidavits. 

Account numbers are : 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 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Transunion and XXXX are both reporting that a paid satisfied account is reporting charged off.

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 2017-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On XX/XX/XXXX at XXXX someone spend {$1900.00} at 2 different XXXX one was declaine and the other was not. This was in a town about 1hrs from where I live, but that day I was working and I was on the other side of town about 2hrs from where this transactions took place at XXXX I try to put gas and my card did not work and then I started getting text messages saying to verify some of the purchases, with a yes if it had been me using my card or no if one or more transactions where not mine. I reply NO and called the fraud department, the lady that answer the phone said not to worry it was obvious that it was a fraud and that Ill get all my money back. I told her I need it that money back on my account because I had to close my house on XX/XX/XXXX. I got the money credit back to my account on the XX/XX/XXXX or XX/XX/XXXX then I got a letter saying that they had concluded the investigations and in their conclusion there was no fraud made in my account I called and had them re-open my account went and got a police report I called a few times to check on the status and all they said was we are working on it, till today XX/XX/XXXX i got an email saying they have concluded the investigation and I was still responsable for the {$950.00} of the transaction that was approved because apparently they had my card and my PIN number. I had never given my pin to anyone and I had the card with me all the time. This was with Bank of America I closed all my account with them already.

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 2019-04-17
Company: EQUIFAX, INC.
State: NC
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:
My identity was compromised in 2007 and there are numerous items on my credit report that were not created by me or have been satisfied. XXXX XXXX XXXX is stating I owe {$13000.00} but that account was not opened by me. Also XXXX XXXX is reporting that I owe approximately {$1400.00} and that debt was satisfied. There are also 3 additional accounts I have no knowledge of from XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX XXXX County. I would like these incorrect items removed from my report immediately as one has been satisfied and the rest coincide with the identity theft from 2007. I am an individual of integrity and satisfy my debts when I originate them. I have tried to get these items removed through the reporting companies with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My identity was compromised in XX/XX/2007 and there are numerous items on my credit report that were not created by me or have been satisfied. XXXX XXXX XXXX is stating I owe {$13000.00} but that account was not opened by me. Also XXXX XXXX is reporting that I owe approximately {$1400.00} and that debt was satisfied. There are also 3 additional accounts I have no knowledge of from XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX   XXXX XXXX. I would like these incorrect items removed from my report immediately as one has been satisfied and the rest coincide with the identity theft from XX/XX/2007. I am an individual of integrity and satisfy my debts when I originate them. I have tried to get these items removed through the reporting companies with no success.

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 2020-01-17
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
COMPANY XXXXORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX   DISPUTED THIS DEPT WITH EACH CREDIT AGENCY THIS DEBT WAS REMOVED FROM BOTH XXXX  AND XXXX  ANDREMAINS ON EQUIFAX, I REQUESTED FOR VERIFICATION AND VALIDATION OF THIS ACCOUNT AND THIS WAS NEVER RECEIVED AND i WAS NOT NOTIFIED THAT THIS ACCOUNT WAS PLACED BACK ON MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Inaccurate payment history reporting on all 3 credit reports for XXXX. Information reported differs ; XXXX   payment history shows last payment made on XX/XX/XXXX ( which is incorrect ) and paid as agreed through XX/XX/XXXX. XXXX  payment history shows scheduled payment of {$38.00} on a charge off account and paid as agreed through XX/XX/XXXX, which differs from XXXX. Equifax payment history shows paid as agreed through XX/XX/XXXX, but date of first delinquency of XX/XX/XXXX ; also account was sold but not noted on reporting. If reported accurately the information should be the same between all 3 bureaus. This was previously disputed, however, information reported remains the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I have tried for the last few months to cancel a recurring charge for service. Experian requires you to call them and then they have a 2 hour hold before they will take your call. There are several numbers, same result. 

It is impossible to stay on line for 2 hours. 

Last charge : XX/XX/2018 for {$12.00} recurring over last year or so. 
I understand that there must be serveral others who are trying to cancel but get discouraged by the 2 hour hold time for calls. 

I cant access them online either and there is no help available to do so.

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 2017-11-29
Company: ALLY FINANCIAL INC.
State: TX
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:
I financed my loan thru Ally Financial in XX/XX/XXXX. I refinanced with XXXX XXXX and Ally shows my loans paid in full as of XX/XX/XXXX. I received a letter in the mail from Ally GAP stating my gap policy was canceled and a refund sent for {$790.00}. It shows the payee as XXXX XXXX who was the dealership where I purchased the car. I contacted XXXX XXXX and they said that the refund was n't received by them, but that it would come from Ally Financial. Ally Financial has told me the same thing, but said they never received it from Ally GAP. They have no clear answer for me as to when I will get the refund. It 's already been 45 days and still the same answer which is that I would receive in 45 days. I do n't think it 's fair that Ally GAP says the money was sent on XX/XX/XXXX and I 've had to wait this long without receiving or really even knowing where it 's coming from.

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 2018-03-22
Company: JPMORGAN CHASE & CO.
State: CO
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:
On XX/XX/2017 I made a purchase at the XXXX XXXX XXXX convenience store. I purchased a few candy bars and a book. I watched the items being rung up at the POS terminal and saw that the amount was XXXX pesos, which I have the receipt for. When the sales person entered the amount on the credit card terminal I signed the pad and walked away with my receipt from the store. When we received our Chase statement in the mail we realized that although the charge on the register was XXXX pesos, our credit card was charged XXXX pesos. We contacted the credit card company and filed a dispute. The shop in XXXX provided my signed copy of the credit card receipt but not my itemized receipt. Chase has sided with the merchant whose business is now closed. They are unwilling to acknowledge in anyway that the merchant keyed in the amount incorrectly, and possibly fraudulently. Chase is telling me that the only recourse I have is to reopen the dispute. They are very unwilling to resolve the problem or listen to me. I feel that the merchant is being protected and I have no rights or recourse with Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Company is not bonded in the state of Texas ; and they are reporting on my credit file.

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 2021-09-11
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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 was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Missed payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. But on my credit report it states I have a total of 54 missed payments, not 9.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Conn's, Inc.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Bought an XXXX computer for over {$3000.00} from XXXX XXXX XXXX. In the contract they stated i would have an additional warranty. I dropped off the computer and its been more than 30 days the company advised in their contract that the repairs if exceeded 30 days would replace the computer or give store credit in order to compensate for the money as of today 's date I do not have the computer and I am out of over {$3000.00} of my money. The company is not trying to live up to what has been promised in the contract and has not made any effort to make amends with the consumer. They constantly delay and delay and will not refund me my money or a new computer I am now out of over {$3000.00} and do not have the product for it has been sitting in their repair shop since XXXX XXXX, 2017. They have made false statements in order for the consumer to purchase their extended warranty program and will not live up to what they say they will do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22
Company: Consumer Portfolio Services, Inc.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On MondayXX/XX/XXXX I called Consumer Portfolio Services to make a payment arrangement for the past due amount on my auto loan. I explained the circumstances and was directed by representative to follow up with my account representative by Thursday. On Tuesday XX/XX/ I received several calls throughout the day and was able to answer a call in the evening from Consumer Portfolio Services. My account representative named XXXX spoke with me regarding my account and asked me to share with him why I had fallen behind and etc ... I expressed the situation again and my intentions to pay. After being placed on hold twice, I was transferred to someone named XXXX ext XXXX who basically had me repeat the same information over, XXXX spoke to me in a very demeaning and harassing tone. I asked to be transferred and then spoke with someone name d XXXX ext XXXX and then XXXX XXXX. I asked to file a formal complaint with XXXX. She said she would speak to XXXX regarding the incident. 
On Wednesday XX/XX/ I called Consumer Portfolio Services to make some changes to a  payment on my account. After speaking to the first representative, who verified my account information and then immediately said she wasnt authorized to handle my account, placed me on hold without further explanation, someone named XXXX came to the line asking me to verify account information with him, at that point I asked a general question and XXXX refused to answer the question and had a very smart tone with me. I asked to be transferred and the representative after him explained everything I needed to know. I have become anxious and irritated in my business dealings with Consumer Portfolio Services Representatives due to these experiences. I would like to file a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Grain Technology, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for an account with Grain Technology and was approved for a revolving credit line. After reaching out to customer support to resolve an issue with adding my address to my application, I was able to move forward in the process. Twice, I successfully verified my identity and then twice received an error message and was asked to upload a copy of my drivers license and social security card. I did so. I immediately reached out via email and informed Grain that I sent the documents and was told that I could not be verified, the decision was final and my application was now closed. I recently moved and did not yet get my new drivers license which I explained. I offered copies of my marriage license, and other documents to prove my previous address as well as my new one. I was told the reason for my identity verification issue could not be released ( I never asked for a reason ) - I just want a resolution to this issue!

Company response to consumer: Closed with non-monetary relief