BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-04
Company: ALLY FINANCIAL INC.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2019 I entered into a legally binding contract with XXXX XXXX to buy another vehicle and pay Ally off in the midst of that contract in the amount of XXXX for their financed vehicle, after XX/XX/2019 any accured charges were the responsibility of that automotive dealers, since there were not recontract of said contract. On XX/XX/2019, Ally attempted to charge my checking account a payment of {$460.00}, of which I stopped since I on XX/XX/2019, paid them off within a legally binding contract with XXXX, and any payments thereafter is the responsibililty of XXXX  to pay said vehicle off. 

On XX/XX/2019 Ally created a check, and sent it to me in the amount of {$310.00} without condition or request. I deposited said check within my checking account, and thereby considered the issue closed, with three days was notified by my bank that said check wasn't honored, now the defense that the payment on the XXXX of XXXX was the reason is without merit, considering as of XX/XX/2019, all issues with shortages were between the dealership and Ally not the consumer, since they had a funded deal with another lender, that vehicle isn't a issue. Additionally Ally is reporting that I have a balance of {$460.00} left on my account, I submit that I have no payments past XX/XX/19 based entirely on a legally binding funded contract with another lender, and that any shortages is to the dealership not the consumer, the payoff quoted on XX/XX/2019, should have been paid as according to the contract, and no additional payments from the consumer is warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Experian Information Solutions Inc.
State: WA
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:
My ex-husband XXXX XXXX  on XX/XX/XXXX. At the time of his XXXX he had a home equity line of credit open with XXXX XXXX. My name was on the account, even though at the time of our divorce in XXXX, XXXX, he had agreed to assume responsibility for the loan. When I discovered that he still had a large balance owing ( over {$10000.00} ) at the time of his death, and that my credit score was beginning to fall, I paid the loan off until the estate settled, in order to save my credit. 

I followed this action up with a letter to XXXX XXXX   requesting that my credit score be repaired, and stated that I was not legally responsible for the loan per our divorce paperwork. They refunded me the entirety of the loan, and promised IN WRITING that they would remove my name from any association with the HELOC. 

Not only has this not happened, they have now reported the debt as charge-off ( bad debt ) ... which is exactly the opposite of what happened. They ADMITTED THEIR MISTAKE AND REFUNDED ME THE MONEY ... but are calling the account a bad debt. And now, my credit has continued to plummet. 

I have made numerous phone calls both to XXXX XXXX   and to Experian to try to get this resolved and nothing has been done. Experian sent me a very detailed report that said basically nothing -- no information whatsoever on what their conversation with XXXX XXXX was. 
I greatly need help.

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 2018-11-20
Company: CITIBANK, N.A.
State: IL
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 been contacting CBNA, who appear on my credit file as CBNA numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. I am still confused as to who this company is because it says XXXX XXXX XXXX XXXX, and other times at Citibank. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires dates of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. It is also listed on my XXXX   report XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Neither of these did i authorize or give permission. They are a result of fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: IL
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:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-27
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
Equifax, XXXX  and XXXX  have consistently abused their assumed position of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus '' are not operating with in the boundaries of FCRA and FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: IN
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a XXXX XXXX for XXXX XXXX XXXX which means, social security number is my EIN and I am not required as a XXXX XXXX to have an EIN nor do I have to have an articles of organization or a business bank account. I do not have any employees I'm the XXXX XXXX for XXXX XXXX. I have a Chase Bank personal account and my XXXX  funds went into my Chase personal account and Chase Bank froze my account and demanded I give them an EIN number or a letter notarized on letterhead from a CPA. I told the bank that I am not required to have an EIN because I am a XXXX XXXX. I had to hire a CPA to give me a notarized letter stating I am a XXXX XXXX to give to Chase Bank. I got the notarized letter from a CPA and Chase Bank still refuses to release my XXXX funds. Chase Bank has done this to every XXXX XXXX who has a personal bank account with them. XXXX XXXX DO NOT have to have a business bank account only LLC and CORPORATIONS NEED TO HAVE BUSINESS BANK ACCOUNTS. I explained this to the loss management at Chase and they refuse to release my funds. Federal Cares Act do not require XXXX XXXX to have a business banking account because I/we are XXXX XXXX XXXX and our social security numbers is our EIN. There I need a resolution asap! This is absolutely ridiculous and insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Jim Bottin Enterprises, Inc
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I canceled a gym membership with XXXX XXXX in XX/XX/2020. 

I in writing in an email told them in that I wished to cancel my membership, and received confirmation on XX/XX/XXXX and they continue to harass me and bill me monthly and send me threatening texts and emails. 
I had been overcharged in XXXX, and they continued to collect gym membership fees even during months when due to covid they were closed entirely. They continue to try to do so to this day, now stating that I am {$60.00} past due for membership fees owed for the last three months. I even told them to stop contacting me and again they keep texting and emailing me. I told them both in texts and email to stop contacting and harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: American Financial Network Inc.
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Home of Record : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Re : ( account number, if applicable ) On XXXX XXXX, 2022 I received an email from XXXXXXXX XXXX XXXX American Financial Network regarding the Application I'd completed on the XXXX official site with attached banking, employment, tax, and XXXX XXXX documents. 

My application was submitted prior to XXXX XXXX, 2022. I received email from loan XXXX XXXXXXXX XXXX XXXX XXXXXXXX stating he'd received my application from their system. He begins asking for the same documents I'd provided XXXX by XXXX. This went on for a span of XXXX weeks. We've gone through XXXX credit report pulls and my submitting letters from creditors of payments and balances made. XXXX was days apart and requesting the same documents again some for the XXXX and XXXX time. Were get to XXXX weeks and still there are no underwriting attempts for pre-approval. 

I made it clear I work in construction for a company that has projects in more than XXXX states across the United States. I work in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was then asked why I was buying a home in my home state but would XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was denied the first Pre- Approval for this reason. I'm renting in the state of Georgia. My home is Mississippi as says my license, vehicle registration, voter registration, company pay stub mailing address, and other documents. Yet I can't buy in the state I live and work in another state which is the nature of my profession.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: Coinbase, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Currently I have 3 Bitcoins valued over $ 10k stuck in Coinbase, I contacted support half a dozen times and at first they told me I needed to upload identity verification documents, I did so, my account was still restricted, I continued to contact them, a few times I never even received a response from them. Then on XX/XX/XXXX-18 I get a response telling me Coinbase has NOT blocked access to MY funds, but only that I can not buy or purchase, that is false. I still could not withdraw or send my BTC out from Coinbase, even after being advised by them that I can, I have an email to prove it, the only thing that has changed since then is Coinbases decision. So I contact support again and they respond by telling me I can no longer use Coinbase. Now my funds are stuck there indefinitely, please advise, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: PNC Bank N.A.
State: DE
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, Beginning on XX/XX/XXXX I have been in contact with PNC bank, the lender with which I have my first draw PPP loan that I acquired in XXXX. I took a conservative approach when I took out my XXXX PPP loan and did not request it for as much as I was eligible, as I did not include my own personal salary for which I pay myself biweekly. This year, when the SBA announced that they would be relaunching the PPP program with a number of different amendments, including allowing Customers to apply for an increase to their first draw PPP loan. The procedural notice was issued Wednesday, XX/XX/XXXX, and today is XX/XX/XXXX. PNC still does not have a method by which a customer who has their first draw PPP loan with them can actually apply for said increase. The guidance given by the SBA dictates that increases to first draw XXXX loans can be made only by the lender of record for the loan i.e. the lender that is reflected in the SBA system as the current owner of the loan. Because I bank with PNC, and because my first draw PPP loan is with PNC, I am unable to apply for an increase. Its been three entire months that PNC has had to actually stand up a process to meet the customers needs. Other financial institutions like XXXX XXXX, XXXX XXXX, and XXXX  XXXX XXXX have successfully set up processes. By not complying to this SBA procedural notice, PNC is doing me and many other customers a disservice. I have contacted my banker no less than six times since XX/XX/XXXX, each time Im given a vague reply like its still in the process as an established yet, will let you know when it is. This back-and-forth and runaround has gone on long enough. The funds allocated to PPP by the SBA that Congress approved are dwindling with a {$10.00} XXXX a week run rate, at this rate folks are projecting the funds to run out in the next 2 to 3 weeks. Even at a more conservative run rate, it is not likely that the funds will even last until the program ends on XX/XX/XXXX. Even still, I do not have faith that PNC bank will actually have an established process for me to even apply for an increase. All Im asking for is the opportunity to apply for the increase as laid forth by the SBA according to their procedural notice. 
I would appreciate if the CFPB could investigate as to why it is taking so long to stand up this process at PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
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: Information belongs to someone else

Complaint:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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 trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11
Company: American Coradius International LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My XXXX account was hacked and some charges were made onto the account creating a negative balance. I mailed a payment on XX/XX/XXXX to the payment account address in XXXX. On XX/XX/XXXX the check I sent in was cashed for {$1000.00}. To date they have yet to apply the payment to my balance and sent it to ACI solutions collection agency. I have about 20 calls back and forth, numerous messages on their online chat system and even tried their XXXX page. No one seems to care or want to assist me. I will not pay this balance twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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 first endeavor to tell you that I am a victim of XXXX XXXX and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance XXXX - XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX. XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: AMERISAVE MORTGAGE CORPORATION
State: AR
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:
There is a report of a mortgage with amerisave when I never took out or applied for a mortgage.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a mortgage through Greentree/Ditech. I have paid on it for 20 years. The original loan was for {$24000.00}. They are now saying I owe {$7400.00}. I believe this loan should be paid off. I am recovering from a XXXX and no longer able to work. i have to live on my SS XXXX which is only about {$1100.00} A month. I hope and pray you can help me with this awful company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation