BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this 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 explanation
Consumer complaint received 2019-04-07
Company: Midwest Recovery Systems
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Dear CFPB, I am so chocking today that a company names : Midwest recovery system did HARD pull on my credit bureaus and put a DELINQUENCY XXXX $ collection debts that I dont have no clue what is it and where that coming cause I never received a billed letter to my address until today they fraudulently entered to my credit reports and take they feet down to my neck and messing up my credit score and my credit report.In that particular case I want Midwest Recovery System take immediately action and removed this item from all my 3 credit bureaus..Thank you very much! Please CFPB, received my most sincere Greetings.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: Paypal Holdings, Inc
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I am a new business owner XXXX XXXX XXXX  and completed a XXXX  job and my client paid me using Paypal and now Paypal is holding thousands of dollars for 21 days because I am a new seller. Paypal 's online bot assistant 's advice to get my money sooner is to provide a tracking number for the product. I don't sell a product and so I can't provide a tracking number. I also can't get ahold of an actual person to help me. I am trying to survive and pay bills that I incurred to complete this job and can't pay them because Paypal is holding my already earned money hostage. What are they doing with MY MONEY? IT IS NOT THEIR MONEY TO HOLD. I did not see any disclosures saying that they would do this or I never would have used their service. To add to the burden there is no complaint resolution whatsoever and having worked in the financial consumer protection industry for 7 years before starting my business I know that this company needs to be held accountable, fined heavily, and forced to change due to its fraudulent business practices by the Consumer Financial Protection Bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-20
Company: Experian Information Solutions Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this account 4 times, and it keeps coming back as verified. This account was deleted by XXXX as unverifued as I stated previously. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED item listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following account be verified or deleted immediately. ACC # 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 2019-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Two Automatic Clearing House ( ACH ) transactions in the amount of + {$20.00} and + {$370.00} were debited from XXXX and transferred to XXXX XXXX  XXXX  on XX/XX/XXXX and XX/XX/XXXX respectively. 

On XX/XX/XXXX, XXXX XXXX XXXX returned the funds to the originator. Although, the funds were debited from XXXX account, the originating source of the ACH transfer was actually Bank of America ( refer to attached CFPB complaint response from XXXX XXXX XXXX on XX/XX/XXXX, which include detailed return trace IDs ). 

Contacted Customer Service at Bank of America via phone several times since XX/XX/XXXX. Transferred to various departments, however, without resolution to this matter or ability to " open an internal claim '' to reclaim the funds.

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 2021-05-02
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE NO ACCOUNT WITH ANY OF THE CREDITORS ON MY CREDIT REPORT NOR DO I HAVE ANY CONTRACTS WITH ANY OF THE CREDITORS ON MY REPORT THESE ACCOUNTS WERE OPENED BY SOMEONE WHO HAS STOLEN MY IDENTITY

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: JPMORGAN CHASE & CO.
State: VA
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:
I purchased cruise tickets via phone with XXXX XXXX via XXXX XXXX. I told the employee on a recorded line that one name was incorrect, and that I would confirm the correct name the following week. She informed me that this was fine, and no name-change fee would be applied since booking the tickets was time sensitive. This occurred on XX/XX/XXXX. 
A name change fee was charged on XX/XX/XXXX in the amount of {$150.00}. I disputed this with Chase on XX/XX/XXXX. I also informed Chase that there was a recorded phone call of the representative informing me that no name change fee would be charged. Chase declined my dispute, specifying that they would not review the phone call I requested they review. They also informed me that if I wanted them to review the phone call, I would need to reopen the case through an enormous amount of paperwork. The paperwork was sent to my home address despite my informing them that I was at University, and they have otherwise been insistent on not making the process any more possible for me to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Bank of America Auto Loan Issue 1 : Have been a BofA customer since mid-XXXXs. Have multiple products. Applied and was pre-approved for a {$30000.00} auto loan some days before XX/XX/XXXX. The offer came with a number I used to show the dealership. The first problem was that the dealership had troubling contacting the auto lending arm on XX/XX/XXXX, when i purchased the car. The dealership used the pre-approval # furnished to complete the paperwork and i signed and left the lot. The following Monday the dealership called to let me know that the Bank did not approve of the " new '' car rate but higher " used '' car rate because the car was new but from the previous calendar year. It was very inconvenient but more problematic, had I know the higher rate would be applied, while at the dealership, i may have bargained for a lower alternate financing offer, but at that point it was too late ; we only wanted to close the deal and go home. Had to drive across the county to sign new paperwork. 

Issue 2 : The pre-approval message is electronic and provides a " new '' and " used '' rate and does not define that in the email message. The customer has to click a link in the email message to get to an agreement letter. The information you need to figure this is out is on page two ( have to click to next page or scroll ) of the agreement that you click on. It is very difficult to find and there is no reason why it should not be spelled on in the email message that even new cars from the prior calendar year are not eligible for the " new '' car rate. 

Issue 3 : It was nearly impossible to get to customer service for the auto lending division. It is not connected to the main bank. You have to use a different set of numbers and i tried over two days, no less than three times, with crazy wait times to finally speak to a loan officer who could explain the issue and could do nothing about it. 

Issue 4 : How come a XXXX ( previous year ) car with 22 miles on it can be considered " used '' by a finance company when purchased in XX/XX/XXXX? Its not as if the manufacturing made any significant changes in the safety or other features of the car. It is completely arbitrary and outrageous. Three years maybe, five years definitely, one year - not at all. 

In the end, i have a new car and a new loan. But this process is terrible and a lot of problems could have been avoided. Can't imagine how other customers have dealt with 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 2021-05-02
Company: Westlake Services, LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

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 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 2018-06-13
Company: EQUIFAX, INC.
State: TX
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 called the bureau to remove inquiries that I did not recognize from my report they refused and proceeded to tell me that the inquiries were correct.. It was also several variations of my name, addresses, and phone numbers that were not mine on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
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:
XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EQUIFAX XXXX. XXXX XXXX XXXX, GA XXXX To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$6000.00}, {$9400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$9400.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, I submitted a credit application on XXXX, authorizing XXXX XXXX XXXX of XXXX, NC to pull my credit report. 

They, in turn, authorized 10 other creditors to pull my credit report without my knowledge or consent, which resulted in 17 hard inquiries on my credit report on two separate days, XX/XX/XXXX and XX/XX/XXXX. By doing this, my credit score dropped 27-33 points and also prevented me from getting credit from other creditors, stating I had way too many inquiries. 

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 I was also contacted by a financial person at their sister dealership and was told I also needed to do a credit application on their site, XXXX. This caused another inquiry on my credit on XX/XX/XXXX On XX/XX/XXXX I sent letters to Transunion, XXXX, and XXXX to open a dispute. They all basically responded the same, saying I needed to contact the individual creditors directly. 

On XX/XX/XXXX I sent letters to all of the creditors and they all basically said the same thing, that they received permission to run my credit from these dealerships, XXXX XXXX XXXX of XXXX, NC and/or XXXX XXXX XXXX XXXX NC. 

On XX/XX/XXXX I had a demand letter drafted and sent to both dealerships by a law firm demanding them to contact the three credit reporting agencies immediately and have these hard inquiries removed. There was no response. 

On XX/XX/XXXX I submitted a complaint to both dealerships to the CFPB. According to CFPB, the company responded that they are not the appropriate company to address your issue.

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 2018-04-04
Company: NAVY FEDERAL CREDIT UNION
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 information incorrect

Complaint:
I opened a checking and savings account with navy federal XX/XX/XXXX since I am a veteran. a week after opening the account, I was also approved for a credit card with a {$1600.00} limit. when the card arrived, I purchased a pot set from XXXX for {$37.00}. a week after that, I tried to use the card to purchase gas and it was declined. I logged into my navy federal account online to check my balance and the message I got was that my accounts were in a restricted status. I called navy federal and was told I needed to send in my id and proof of residency. I did. 2 weeks later no response back so I went in a local branch. the representative there asked me if I had ever had a navy federal account before and I told her no. she told me there was an account under my name but different address and social information so it has my account on restriction until they investigate. I asked her what address and information did it show so I could file a police report and she said they couldn't tell me but rest assured someone would call me. I left there pissed off. I went home pulled my credit report. navy federal was not on there, but 10 other accounts that I wasn't familiar were. the credit bureau told me to file a police report and identity theft report and I did. i called navy federal and asked where I could send these reports to them and they said they didnt need them because my accounts were all on a permanent hold and could never be used. they didnt even give me a chance to show my innocence. I still mailed in my reports and explained my situation and never heard back from them. XX/XX/XXXX, I called navy federal and spent an hour on the phone trying to get to a supervisor and wasn't allowed to. i started watching my credit on XXXX XXXX since it was free ( my first report i pulled was {$39.00} ). it showed i owed navy federal {$12.00}. i mailed a money order. in XX/XX/XXXX, XXXX XXXX said i owed them {$42.00}. i mailed that too. fast forward to today. they JUST updated me as 90 days late and i owe them {$88.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX is reporting late payments on my credit report during a time that I was currently enrolled in school. It is impossible for payments to be late on a loan that was not currently due. I have disputed this issue with them several times and they will not remove the late payments 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 2019-04-08
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 information incorrect

Complaint:
XX/XX/2019 XXXX XXXX reported a late payment that was inaccurate and the reporting agency keeps reporting it. the XXXX XXXX  balance was paid off in full and had a XXXX  balance. XXXX XXXX went ahead after that fact and charge some random fee that I wasn't aware of and that's the reason they use to say am late when I wasn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
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 had a car loan through Credit Acceptance when my vehicle was totaled in a crash. I continued to make the monthly payments on-time each month until the loan was paid off. Credit Acceptance is incorrectly reporting a negative pay status on my credit report. This is the only account on my credit report that reports as a collection/chargeoff with a derogatory account status. When I called them they refused to change the reporting status on this paid account which causes me to be denied for new credit.

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