BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-22
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: Information is missing that should be on the report

Complaint:
I have made many attempts to remove this incorrect reporting XXXX XXXX XXXX XXXX. This account is reporting either in error or as a result of identity theft. The child Support that had is with Georgia and its balance is reflecting {$11000.00}. 
Incorrect Creditor : XXXX Incorrect Balance : {$33000.00} Incorrect Monthly Payments are showing {$11.00} Correct Creditor : XXXX XXXX XXXX Correct Balance : {$11000.00} Correct Monthly Payments : {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
DEALERSHIP PUSHED US INTO A CAR LOAN CANT AFFORD AUTO DEALERSHIP FAILED TO DISCLOSE FINANCING AGREEMENTS AND INFORMATION ABOUT FINANCING LENDER COMPANY PRIOR TO SIGNING CONTRACT, THEY ADDED EXTRA UNWANTED WARRANTY STATING THE LENDER REQUIRED THE ADDED WARRANTY COVERAGE FOR LOAN APPROVAL, WAS FORCED INTO A CAR AND AGREEMENT UNDER DISTRESS NOT ALOUD TO LOOK OR SHOP FOR CHEAPER VEHICLES THAT WE COULD AFFORD EASIER & THEY OVER SHOPPED MY CREDIT REPORT SCORE SO BAD IT LOWERED MY SCORE FORCING ME WITH THE WORSE POSSIBLE LENDING COMPANY AND INTEREST RATE POSSIBLE WITH PAYMENTS I CANT AFFORD THE AUTO INSURANCE RATE AND MONTHLY LOAN PAYMENTS EACH MONTH.WHICH WE TOLD THEM PRIOR TO SIGNING. I'M A XXXX XXXX XXXX WAR VETERAN WITH SERVICE CONNECTED XXXX.THEY ALSO STATED THEY COULDN'T GET A LEASE LOAN AND CALLED ME BACK INTO SIGN A PURCHASE LOAN AFTER 10DAY REQUIRED PERIOD ALOUD BY LAW ADDING MY GIRLFRIEND WHO HAD WORSE CREDIT THAN MINE FOR LOAN APPROVAL THEY STATED Additional Information by Category Breach of Contract The contract was entered into on this date : XX/XX/2017 The contract was : Written, and I have a copy The approximate $ value of the contract is : $ XXXX The contract was breached on this date or over this time period : XX/XX/2017 XX/XX/2017 The approximate $ value that I stand to lose or have lost because of the breach of contract is : I don't know The likelihood that I will be able to collect money from the other party if I win is : Possible Consumer Credit My legal issue is with a : Bank or Credit Union Repossession Collection Agency Debt ( s ) - considering Bankruptcy Other : CAR DEALERSHIP UNLAWFUL TACTICS Consumer Protection and Fraud The entity that committed consumer fraud against me was : A business My consumer protection / fraud case involves : The sale of consumer goods The performance of services Other : OTHER OPTIONS NOT PROVIDED AND FRAUDULENT. DISTRESS CAUSING RESULTING IN HARM Repossessions Date the property was purchased : XX/XX/2017 Amount of money owed on the property : $ : XXXX I am the : Owner of property that is subject to repossession The property subject to repossession is : A vehicle Date of last payment on the property : No payments Collections The date or time period when the debt was incurred : XXXX The debt relates to these goods or services : EXTRA WARRANTY 'S ADDED, LOAN FINANCING, FORCED INTO A NEW CAR PURCHASE NOT VEHICLE OF CHOICE I am seeking to : Defend a collection action against me The following actions have been taken against the person who owes the debt : Request for payment I am : Other : XXXX XXXX XXXX WAR VETERAN The collections amount is $ : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-19
Company: BTH Management
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:
Talked to them and disputed with credit beareu several times.

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: JPMORGAN CHASE & CO.
State: NJ
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:
On XX/XX/18 Chase notified me that they were closing all my credit cards that I had with them. 

Chase fraudulently informed me that this was due to " our affiliate ending it's banking relationship with you ''. I do not have, nor have had a chase bank account in nearly 20 years. 

Additionally at least one account ( my freedom card ending in XXXX for example ) was opened prior to chase taking over the credit card account and at no point did I agree to the terms of the card, specifically those governing the closure of the account without forewarning and arbitrarily - therefore I am not bound by those terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
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: Account status incorrect

Complaint:
I sent Transunion proof of big error on my credit report. I sent the papers and started three cases as they refuse to help me I have kept all deocumentation of the reports with them finding no fault even when sent proof. Ive called them numerous times also asking them how can they find all information correct when I sent proof. They informed me they dont have to take off wrong things off my credit if they dont wish to.

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 2019-07-22
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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 met with a financial counselor who was able to look at my credit report. I noticed a account which I did not recognize. My report was showing a CareCredit credit card under my name with an unpaid charged off balance of {$1500.00}. Prior to my counselor explaining to me I had no idea what CareCredit was. With the help of my financial counselor we contacted Synchrony Bank which CareCredit is under to report this fraudulent account on XX/XX/XXXX. I followed up today XX/XX/XXXX and they informed us that that my fraud claim had been denied and the account will remain on my credit report. The reason they gave me for it not being removed was that it was opened years ago, XX/XX/XXXX, payments were being made in the beginning and my address matching. This does not prove that the account belonged to me. I don't know who applied for this account but it was not me. The statute of limitations to collect on this account has passed but I want this account removed from my credit report as it does not belong to me and it is negatively effecting my 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
Consumer complaint received 2018-01-13
Company: ID Analytics, 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: Reporting company used your report improperly

Complaint:
In late XX/XX/XXXX I was denied credit based on information obtained from XXXX  , XXXX. I did not receive notice of which CRA was reporting derogatory information until the first week of XX/XX/XXXX. Since my scores with XXXX, XXXX and XXXX are all in the range of XXXX-XXXX, I was shocked to see unknown XXXX , XXXX reporting a score of XXXX. 

I visited the XXXX web site which offers service ONLY by mail or fax, no ability at all to access any information electronically. The website suggest to call them for immediate assistance. I did call, over 15 times. I was never able to reach any human, but was only able to leave voice mails : 15 voice mails I left, and no one ever returned my calls. Their outgoing messages provide only a circular reference to their web site. 

On Monday XX/XX/XXXX I faxed my information to XXXX at the fax number indicated on their web site and on the credit denial notices. I requested a freeze on my account. I requested to permanently opt-out from XXXX sharing or selling any of my data. I requested a free copy of the data they are reporting about me and included a copy of the denial letter displaying XXXX as the reason for the denial of service. 

On Saturday XX/XX/XXXX I received an UNSEALED envelope from XXXX XXXX. That envelope contained the notice that they have received my opt-out election. Also enclosed was notice that a freeze has been placed on my account and the PIN number required to manage the freeze. No credit report was included. Pages from the other documents were out of order, some upside down, some were folded with the back of the page facing up ; obviously, someone went through the documents during transit in the mail. Or maybe XXXX is just that incompetent and negligent to shuffle pages of documents they mail. 

I repeat : the envelope was UNSEALED. The letter was open, had NEVER been sealed. This means that XXXX XXXX has now shared all my sensitive personal information with anyone and everyone between XXXX XXXX CA and XXXX TX. They have shared the PIN number to manage my account. Since the credit report I requested from them was not included in the open envelope, I have to assume this means they enabled someone to steal my credit file information, social security number, date of birth, and all other sensitive personal information. 

As soon as I received the envelope and realized XXXX had negligently compromised security I once again tried to reach them by phone. Still no one answers their phones and no one will return my calls.

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 2022-01-11
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: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Paypal Holdings, Inc
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been using PayPal to receive payments for my XXXX XXXX and also paid some of my staff using same platform. 
all was fine until i get notified that my account has been permanently limited. 
I immediately contacted the executive office and was told that one of the accounts I used to make payments to and they linked to me had a limitation hence why i was also banned I feel this was not fair on my part as I can not have control over how other people use their PayPal accounts I just really want my account back. 

We sell XXXX XXXX through the website, XXXX and XXXX I think it's a customer complaint or a picture infringement, I asked palpal, but it didn't tell me, Each order is shipped by XXXX or XXXX which can be tracked by tracking number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Experian Information Solutions Inc.
State: FL
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.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 




XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX  XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602A. states I have the right to privacy. 15 U.S.C 1681 section 602A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 c ( 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.

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 2022-10-04
Company: CITIBANK, N.A.
State: TX
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:
Someone try to apply for multiple credit cards : 1. My Best Buy Visa Platium / My best buy credit card and My best buy Visa Gold. 
2. Best Buy for a least - to own agreement with XXXX XXXX XXXX. XXXX XXXX XXXX credit product with XXXX XXXX All are denied by the company, but I am strongly concern of my personal identity.

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: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
PLEASE REMOVE ANY ACCOUNT THAT IS LINKED TO MY PERSONAL INFORMATION SOMEONE ELSE IS USING MY PERSONAL INFORMATION TO MAKE ACCOUNTS WITHOUT MY AUTHORIZATION THANK YOU PLEASE NOTIFY XXXX ABOUT THIS PROBLEM TO UPDATE THIS INFORMATION WHY YOU ARE HARMFUL AND DO NOT LET ME TAKE ACCOUNT WITH OTHER BANKS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: Experian Information Solutions Inc.
State: TN
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 am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. Chapter 7 Bankruptcy 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 2020-07-20
Company: EQUIFAX, INC.
State: NV
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:
Equifax is reporting opened date and payment history wrong in this account ( XXXX XXXX XXXX ) Please this information needs to be corrected or removed the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: FORD MOTOR CREDIT CO.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing a complaint against Lincoln Financial today because they are reporting inaccurate information on my credit report which is affecting my ability to qualify for a Conventional Mortgage. I have tried to resolve this issue by contacting Lincoln Financial directly but there has been no resolution. They are reporting a 30 day late payment on my credit report in XX/XX/XXXX which is inaccurate because this is not reflecting the payment that I sent thought XXXX XXXX on XX/XX/XXXX. I sent a payment in the amount of {$360.00} on XX/XX/XXXX which was delivered on XX/XX/XXXX. The payment not posting to my account is in result of a bank error and needs to be corrected immediately before further action is taken. I have attached a copy of my XXXX XXXX statement, proof of payment, and a copy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have provided US Bank with all of the documents requested of me. I suffered a financial hardship, loss of income. However I have overcome the financial hardship and am asking for mortgage assistance. Every time I call to check status on my request for mortgage assistance I get transferred over and over and over and end up being transferred to the automated system again a few times in the process of being transferred from one place to the other. US Bank does this to me all the time. I get it I am older and perhaps my patience is not as good as it use to be but to be on a call every time for 2 hours to end up on someone's voicemail is unacceptable. NO ONE over US Bank is able to provide an update other than the point of contact assigned. I need answers I have given everything asked of me over and over and have spent a lot of money to fax everything US Bank asks of me to have no responses.

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 2020-05-04
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I seen this on my credit report and have no knowledge of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XXXX XXXX I was contacted by XXXX XXXX and informed that my account was overdue. The account had been set up on autopay previously and there are 10 years of on time payments to show for this. I immediately paid the balance due to the technical error of the missed auto payment and XXXX XXXX removed any associated late payment fee and agreed to pull this from my credit report as it was a technical error. XXXX XXXX my credit report is reflecting a 60 day past due balance for XXXX XXXX on XXXX XXXX - which does n't add up in the first place because it does not show a 30 day past due in XXXX XXXX. In fact, when looking at the attached statements, the charges in question were from XXXX XXXX XXXX and when you look at the XXXX statement you can see the payment was applied on XXXX XXXX XXXX, the day I was contacted by XXXX XXXX that this account was overdue and realized the autopayment had not gone through. I was told by XXXX XXXX when I made this last payment on XXXX XXXX that this would be not be put on my credit report and that the late fee and interest would be removed. When I pulled my credit report in XXXX I did not see the 60 days late marked on this account for XXXX, however it has now reappeared there and my credit score which had gone back up in XXXX XXXX has now come back down again in XXXX XXXX. This is the only blemish on my credit report and is directly responsible for the 120 point decline in my credit score. Upon contacting XXXX XXXX again XXXX XXXX XXXX about this issue I was informed that my balance is actually negative, that they owe me money, and yet they are reflecting this as a delinquent account 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 2019-07-22
Company: SUNTRUST BANKS, INC.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXXXX/XX/XXXXI opened both a Checking and Savings account online with Suntrust. In order to open the accounts I transferred XXXX dollars and XXXX   dollar from another bank. On XX/XX/XXXXXX/XX/XXXXI went to a local branch to add my wife to the account as well as apply for a credit card. We deposited XXXX   dollars into the checking account from an account my wife owns with North Carolina XXXX XXXX XXXX XXXX NC XXXX account while we were there. On XX/XX/XXXX I was informed that my account had been closed and that I would receive a letter detailing why. I called and was told suntrust holds the right to close any account for any reason. The letter that followed explained nothing more than that. I received a letter saying that they were holding all funds for investigation and if any could be returned they would be returned. Both the XXXX dollars and the XXXX dollar checks were returned but the XXXX dollars was still being held. I called again and they stated that I should call the issuer of the checks to stop payment. I called NC XXXX and they stated that the checks had cleared therefore they could not stop payment. I called suntrust back to tell them the NC XXXX  answer and was told that the money was not able to be released because they were holding it for possible reacquisition. I called NC XXXX to see if they could reacquisition the funds to speed up the process and they stated they could not. Suntrust is holding my money for no reason, it is unethical as I have never broken any laws or done anything wrong. I am no longer a client therefore in my book they have essentially stolen my money. We are a young family and I am XXXX   XXXX therefore funds are tight. Please help us.

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