BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ive been a victim of identity theft and I Have fraudelent accounts on 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 2020-09-21
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:
Ive been a victim of identity theft and I Have fraudelent accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person

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 2022-02-12
Company: NCB Management Services Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company has illegally open a account in my name its a against the law to harm a consumer report XXXX XXXX is acting under ncb management. Constantly harassed me for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: ACIMA CREDIT, LLC
State: NC
Product: Credit reporting 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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Kriya Capital, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX has tried to open 2 separate collections in a 2 month time frame and I need them both gone, Ive never used XXXX XXXX XXXX but 1 time and it wasnt the time they are saying I used XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I`m trying to keep up with my payments on this auto loan that should never have been given to me as I work as a XXXX XXXX XXXX. We do not make much money. I just made a payment to Well Fargo Auto, and they put another late fee on the account on XX/XX/2023. I spoke to one gentleman at Wells Fargo Auto and told him that I'm having a hard time keeping up with payments but would make a payment Today, XX/XX/2023. 

The payments are due each month I believe on the XXXX of each month. Wells Fargo Auto is ripping me off with late fees. This has got to stop but I just spoke to another representative at Wells Fargpo Auto, and she told me that the late fees would keep going onto my loan. I also suffer from XXXX, and this is adding a huge amount of stress on me. I'm attaching the payment I just made along with the newest late fee they decided to put on.

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 2017-06-19
Company: CITIBANK, N.A.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of  XXXX   XXXX  30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 2021-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX, I noticed my app had the wrong name when I logged in to the account. The Statement, social security number, and all other identifying information was correct but the Name identifier was incorrect. Reached out to Bank of America to have this resolved and they sent a letter with the wrong name addressed to the wrong person to have the account be signed back to me. The account was never in that persons name nor is assigned to them. Upon calling back on XX/XX/21, no one could explain how this even happened. They have no documentation of the name being switched incorrectly and how this would have occurred. They stated they would have to look further into it and have someone get back to me which no one has.

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 2023-07-06
Company: ENOVA INTERNATIONAL, INC.
State: MO
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:
1st call made in XXXX XXXX XXXX and was unable to get a representative on the line. So I decided to call back in XX/XX/XXXX and was able to get a representative and decided to get on a payment plan for a settlement amount of {$2300.00} I made 1  payment on the plan and life hit me. I was unable to make the payments. XX/XX/XXXX I decided to pull a soft pull on my credit and seen Net Credit is still reporting XXXX late on my credit for the last 29 months. The account has not closed or went into charge off status it is still reporting open each month. I called and got this information. I got the loan in XX/XX/XXXX for {$2200.00} I made 16 successful payments in the amount of {$130.00} which is {$2100.00}. I currently owe {$5000.00} and they were really to settle for {$2000.00}. This is predatory lending because I owe {$58.00} from the amount paid and the amount borrowed. the rep said I had {$2400.00} in interest, {$2000.00} in fees, {$150.00} in late fees, and {$58.00} in return bank fees. I offered to settle the account for {$1500.00} and realized that was too much because I already paid off the loan besides {$58.00} and thats all i should be paying for the bank fees and late fees. which is {$260.00}. they will not accept my offer or stop reporting negatively on my credit report. i am trying to buy a house and refinance my car for a lower interest rate and this has been stopping me for the past 2 years. they will not do anything to remove, or stop this damage on my credit report and they are trying to take more money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I leased a XXXX XXXX XXXX on XX/XX/XXXX. My lease expired XX/XX/XXXX. I returned the vehicle to a XXXX XXXX XXXX representative in good condition. i have pictures and video of my vehicle with the rep in the video confirming the car is in good condition. I also took my car to XXXX XXXX in XXXX XXXX, CA XX/XX/XXXX for a check engine light problem. They kept the car for a few days and they said everything was fixed. I have a copy of the invoice. Today i received a {$440.00} invoice from BMW Financial claiming the vehicle had problems. on XX/XX/XXXX I called BMW Financials at XXXX. I was on hold for 2 hours and finally i spoke to XXXX  explaining my situation. she could not help me so i was transferred to a supervisor and he could not help me either. They claim that the car has mechanical problems and i have to pay {$440.00}. 
Please help me solving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This is a followup to my COMPLAINT # XXXX ( BOTH CREDIT CARD ACCOUNT NUMBERS ENDING IN XXXX and XXXX ). In the previous complaint, I detailed my reasons for late-payments and Chase still refused to re-instate my credit cards. So now I am giving this another try due to the hardship on my business, me, and my family caused by Covid-19.

In the original complaint, I was then told that the system/computers makes the decision and there is nothing they can do and then I asked to speak to a human, a supervisor, who could make a decision after hearing all of the facts ; the supervisor gets on the phone and basically says the same thing about the system and management is free to do whatever they want with the account and the
decision is final. I also offered to make a payment if they reopened at least one of the accounts and they refused. These were life-changing events and I was not able to handle these issues while helping my daughter and then covid-19 has made things worse for me as a 100 % XXXX XXXX.

After 40 yrs in XXXX, we are the only XXXX XXXX XXXX in the US ; Covid-19 almost forced us out of XXXX ; fortunately, we now XXXX XXXX XXXX XXXX for a large Georgia hospital. To maintain traction/expand we need $  XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( we have approx. XXXX XXXX ). We are located in a XXXX & XXXX XXXX. 
Due to other hardships ( XXXX XXXX fraud & a daughter who recently became XXXX XXXX ), Chase canceled my XXXX credit cards due to late payments ; I have tried everything to get them reinstated including filing Consumer Fin'l Protection Bureau complaints ; Chase refused to reinstate them because the excuses were not good enough. 

Chase Card Services was very rude and insensitive especially telling me that they can close my accounts for any reason and/or at anytime. My problem with this is first they did not know all of the facts and second, they may have closed the account for the wrong reason. So now I am asking to have my case reconsidered so that at least one of  my credit cards ( preferably Amazon ) or both can be reinstated because I need them for XXXX to help me continue to build traction towards XXXX XXXX for one of the largest hospitals in Georgia. 

As a XXXX-owned XXXX it is hard enough to get affordable working capital and to not have credit card privileges is devastating especially considering I have legitimate reasons for why I could not make payments on time. We are saving lives with our 100 % made in the USA XXXX XXXX. 

Please reconsider my request to reinstate my credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
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:
On XXXX XXXX I paid my loan in full and received document that the account was " PAID IN FULL " from XXXX  XXXX XX/XX/XXXX on XX/XX/2019. Upon checking my credit report they reported me 30 days late on this specific account for XX/XX/2019. 

I follow-up with XXXX XXXXXX/XX/XXXX and Trans Union to try and resolve account amicably and they do not want to resolve this 30 day late when I have provided them documented proof they actually issue for final payment. 

XXXX  XXXX XXXX replied as reported late although I have paid the loan in full. 

It appears that these consumer disputes only go one way from DATA FURNISHER to Consumer reporting Agency. THE CONSUMER HAS NO RIGHTS.

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 2021-11-28
Company: EQUIFAX, INC.
State: FL
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: CREDIT WORLD SERVICES, INC.
State: MI
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:
Credit World Services, INC Balance {$5800.00} opened XX/XX/2019 I do not recognize doing any contract or business, please verify this debt,.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Allied Collection Services, Inc. (Nevada)
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:
Good Afternoon, My Name is XXXX XXXX and Ive been a victim of identity theft. Although I cant discus the case I can say Ive been reporting an account that was open with my information to get a phone line back in XXXX, This individual know my Social security information and ID to open a XXXX account. Ive been trying to dispute it with XXXX for months now and they still have yet to remove it. XXXX removed it when I told them it was identity theft. Its fraud and I would love your help to speak to XXXX XXXX to delete the account which does not belong to me This is a ongoing investigation. And therefore I cant talk much about it a police report was filed and I am working with the XXXX in XXXX right now. And the XXXX XXXX XXXX. I have business cards and also the case number but unfortunately because its a homicide they arent giving police reports. But the case number was provided XXXX. Case number subject to change Because the case is in XXXX XXXX cant give much details

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 2018-05-04
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a bunch of late payments on the dates below : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me. I immediately paid the account off once i became aware of this.

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 2023-09-18
Company: Revolut Technologies Inc.
State: FL
Product: Credit 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 the XXXX XX/XX/2023 I tried to buy some bags online, using 1 physical card from XXXX. When I was completing the transaction they took my card details and after a week ( XXXX XX/XX/2023 ) they steal me XXXX $ in 6 transactions of XXXX $ each to XXXX in Florida from my XXXX account. Obviously all UNAUTHORIZED Transactions. I informed immediately the banks that those are unauthorized transactions but they replied to me that for them the transactions arent suspicious. How can I proceed in order to get a refund for my losses?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX acct # XXXX {$7600.00} ; XXXX XXXX XXXX  XXXX acct # XXXX formerly XXXX XXXX acct # XXXX {$2100.00}, illegally pulled my credit report on XX/XX/XXXX, with my signature or the fact that I applied for a loan with their company ; XXXX XXXX acct XXXX XXXX sold to XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX {$3400.00} ; XXXX acct # XXXX {$170.00} ; XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX {$1800.00} ; XXXX XXXX XXXXXXXX XXXX acct # XXXX {$3800.00} ; {$25000.00} ; {$13000.00} ; {$9500.00} ; {$4800.00} ; {$9100.00} ; {$2800.00} ; {$5000.00} ; {$240.00} ; {$5700.00} ; {$2700.00} ; {$25000.00} ; {$24000.00}. After submitting my complaint with CFPB, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX submitted they deleted these accounts. I have provided police reports, proof of identification, proof of address, and copies of credit reports showing that these accounts were deleted. Every 30 days they allow these companies to return under a different company, account number, with the same information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Genesis FS Card Services, Inc.
State: MI
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:
XXXX Account XXXX # XXXX XXXX XXXX XXXX I am contacting you regarding in-accuracies on my credit report. Under HEROES ACT SECTION 110401 WHICH STATES SUSPENSION OF NEGATIVE CONSUMER CREDIT REPORTING during the COVID- 19 PANDEMIC PLUS AN ADDITIONAL 120 DAYS, ( XXXX/MILSNE ) IS NOT IN ACCORDANCE. 

( XXXX/MILSTNE # XXXX XXXX XXXX XXXX ) LASTLY UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE DUE TO THESE VIOLATIONS OF MY CONSUMER RIGHTS, I AM DEMANDING, THE REMOVAL THESE LATE PAYMENT REMARKS, UPDATE AS PAID, NEVER LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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:
This is my 3rd Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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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 2019-04-03
Company: Ad Astra Recovery Services Inc
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A loan was taken out from a company called XXXX. I then realized the loan was a complete rip off and was illegal in the state if Virginia. No online loans are legal in Virginia. The company would not acknowledge. It was turned over to Ad Astra collection agency which I disputed explained the loan was illegal and not enforceable. Ad Astra then placed a collection on my credit report which is illegal.

Company response to consumer: Closed with explanation