BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-23
Company: U.S. Auto Sales Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I made my bi- weekly payment in whole for the entire months of XXXX on XXXX XXXX in the amount of XXXX. 

On XX/XX/XXXX. My car was disabled by the company and I late picking my XXXX children up from daycare which cost me XXXX in late fees The Representative Noticed it was the company fault and asked for me to send in proof of the daycare fees. 

On XX/XX/XXXX my car was doable once again stating that they needed a payment that they already have. My children were not able to go to school today nor was I able to go to work due to not being able to transport with out the car Im paying for. 

This company has cost me so much money in extra fees I cant possibly afford this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I AM INQUIRING IN REGARDS TO THE XXXX XXXX   ACCOUNT WHICH WAS OPENED ON XX/XX/2012, DISPLAYS A BALANCE OF XXXX DOLLARS AND WITH LATE PAYMENTS OF 30 DAYS. AFTER SEVERAL ATTEMPTS AT REMOVING THIS ACCOUNT, I MANAGED TO BE ABLE TO GET IT REMOVED FROM XXXX AND TRANSUNION WENT AHEAD AND REPAIRED IT ON THEIR SIDE. XXXX HAS DONE NOTHING ABOUT THIS MATTER AND IT IS REALLY AFFECTING THE OVER-ALL PROGRESS IN WHICH I AM TRYING TO ACHIEVE MY GOALS. XXXX HAS DONE NOTHING ABOUT THIS MATTER AND I REALLY NEED TO KNOW WHY THIS ACCOUNT IS STILL REPORTING NEGATIVELY? IT SHOULD'VE BEEN REMOVED A LONG TIME AGO BY THE AGENCY AND I HAVE YET TO RECEIVE A RESPONSE. PLEASE REMOVE THIS ACCOUNT IT IS REALLY HURTING MY CREDIT 'S HEALTH.

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 2019-10-23
Company: M&T BANK CORPORATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
OnXX/XX/XXXX1 I entered into a fraudulent investment Contract, with XXXX XXXX XXXX sending money to XXXX  XXXX XXXX, sat at the closing table and nothing was disclosed to me pursuant to ( CFR-42 ) about my rights, documents were removed out of the closing documents such as the disclaimer for the credit application, forms from the appendix ( H ) H-8, H-9. Im being held liable on a contract that To which Im not a party, ( The pooling servicing agreement contract ) and under the STATUTE OF FRAUDS UCC 2201. The investment contract/Mortgage Loan was for {$110000.00} at the time. I mailed a demand to M & T Bank I have Rescind this investment contract/mortgage loan transaction on XX/XX/XXXX and was received on XX/XX/XXXX. Do to the abundance of FRAUD i found. I also have the Indorsed note/securities that is indorsed 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 2023-02-14
Company: EQUIFAX, INC.
State: PA
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
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: Investigation took more than 30 days

Complaint:
I sent in letter to dispute the following items to all 3 credit bureaus & have not received a response in the 30 day period. I sent my letter in XX/XX/XXXX it is now XX/XX/XXXX. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2018-02-17
Company: WELLS FARGO & COMPANY
State: MN
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:
They hacked my account and I stole more than {$10000.00} from my Wells Fargo account. 
XXXX. I close my account. Also other companies transfered me to debt collecters. XXXX and 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 2021-02-25
Company: WELLS FARGO & COMPANY
State: OH
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 are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX RENTAL SCREE Inquiry : XXXX XXXX, 2020, WELLS FARGO XXXX XXXX Inquiry : XXXX XXXX, 2020, XXXX Inquired on XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy 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 non-monetary relief
Consumer complaint received 2023-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
On XX/XX/2022, I used XXXX reward points to purchase XXXX gift cards : {$50.00} XXXX, {$50.00} XXXX XXXX and {$250.00} XXXX. Within XXXX weeks, I received both {$50.00} gift cards, but never received the {$250.00} XXXX. My balance after using the reward points was XXXX. After not receiving the {$250.00} XXXX, I did another purchase for XXXX points on XX/XX/XXXX. As of today 's date, I have not received the {$250.00} gift card. I've spoken with several representatives ( including managers/supervisors ) from XXXXAAA Bank and provided them with copies of the order confirmation for the gift card purchases. 

I called XXXX XXXX AAA customer service numbers as well as the Reward Center as I was transferred and told that since it involved rewards, I needed to speak to that department. I'm not overexaggerating when I say that I spoke with six people who were not able to assist me with this matter. This is unprofessional and not customer friendly at all, especially when I have provided all the proof ( order numbers for the gift cards along with copies ). If I received the two {$50.00} gift cards from XXXX XXXX XXXX XXXX XXXX , why did I NOT receive the gift card for the {$250.00} when the points were redeemed? XXXX sent a letter on XX/XX/XXXX stating an investigation was being conducted which would take about 90 days ; 90 days from XXXX will be XXXX, and no one has made an effort to reach out to me to inform me of the status. I will NOT stop reaching out until I receive the {$250.00} gift card I redeemed from the points acquired from the use of the AAA Bank of America credit card. 

Your assistance in resolving this matter will be greatly appreciated. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I was texting who I thought was my friend via XXXX and it was a hacker pretending to be her. The hacker requested for quite a bit of money via Zelle because the bank did not allow to exceed limit amounts for transfer and that first hour in the morning I will have it back. Again I thought it was my friend who I was speaking to when I completed the transfer, wanted pictures and screenshots to prove transfer was made. Moments ago after I made the transfer I got a message from a group chat we are part of and notified me to not send anything that it wasnt her. That she was hacked. I immediately deleted any information having to do with the hacker and contacted XX/XX/XXXXXX/XX/XXXX to freeze the account to issue me new card. 

Not XX/XX/XXXXor Zelle wants to be responsible or find any resolution to my error authorizing with a fraudulent person. I really thought it was somebody I knew when it wasnt. Thats why I gave the approval. XXXX doesnt want to help because it was an authorized transfer and Zelle doesnt want to help because they have no fraud protection with clients and I did it via Zelle but through my bank provider not with them directly. 

The last thing I have done was go to police department and file a case with them about disputing the charge but I know it will sit on the desk and not do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
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: Account status incorrect

Complaint:
XXXX XXXX Experian shows my account negative on the report until 2022 and there has not been no late payment in 24 months. there should be no late negative for that long before the account goes positive considering its been paid on time for the past 24 months Will with the FTC on ongoing incorrect information and why its 4 years to go Positive

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 2023-03-13
Company: American Credit Acceptance, LLC
State: WI
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:
Between XX/XX/2023 and XX/XX/2023, my automotive account with AMERICAN CREDIT ACCE was removed from my credit report because a violations of federal laws that protect consumers. Because of this improper reporting they violated 15 usc 168 ( a ) ( 4 ) -Accuracy and fairness of credit report, to which the consumer agency has to respect my rights to privacy. 
also they have violated 15 usc 1681a ( 2 ) ( i ) -Exclusions, the consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report, reporting payment history an credit utilization violates my consumer rights.

they also have violated 15 usc 1681b- Permissible purpose of consumer reports, the consumer reporting agency can only furnish information In accordance with the written instructions of the consumer to whom it relates and i have not given my written instructions. 
also Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, to which they have not done on my behalf which has caused me great pain an suffering due to the fact i cant obtain a loan for {$30000.00} that i needed for a new home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: Experian Information Solutions 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:
In my Experian app .... Regards to XXXX XXXX acct. on XX/XX/19 I made payment {$400.00} with XXXX XXXX XXXX. Payment confirmation # XXXX. 
XXXX acct # / XXXX / XXXX still hasnt updated even after I filed Dispute on XX/XX/19. DISPUTE # XXXX. Account was closed and not shows my payment. 
Contact # for this is XXXX Experian shows this XXXX XXXX account. # XXXX as closed/ charge off and no payment. The address under contact information is. XXXX XXXX XXXX / XXXX XXXX XXXX. XXXX XXXX shows same status derogatory/closedown : charge off Contact info is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX In XXXX XXXX App In XXXX REPORT for This XXXX account is still showy DEROGATORY/ CHARGE OFF/ NO PAYMENT. Contact information with this is XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX with XXXX XXXX shows this XXXX  XXXX card also as charge off / PAYMENT STATUS shows no pay made Contact information with this is XXXX In XXXX XXXX APP this XXXX Card is in XXXX as charge/offe. bad debt and payment status is zero. Contact with this is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. NV

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 2021-03-26
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/21 - contacted Transunion by phone at XXXX. 

A bankruptcy was placed on my credit report without verifying any information. 

Spoke w/ XXXX at Transunion XXXX XXXX indicated on a monitored and recorded line that US Bankruptcy XXXX Georgia verified information placed on my credit report by phone. She verified the phone number of the court. I advised the court does not verify bankruptcies at all much less by phone. I advised that I provided proof of such. She transferred me to a supervisor XXXX. 

XXXX at Transunion indicated that my dispute was not reinvestigated because it was already deemed as resolved, verified and accurate. Therefore, Transunion has lied to the CFPB. They did not investigate or attempt to resolve my complaint. 

Both calls were monitored and recorded. Transunion should be REQUIRED to provide the CFPB with both calls. 

Also, Transunion provided IN WRITING a letter citing the bankruptcy court as the source in verifying this information. As Ive indicated in all of my disputes that are NOT being investigated, this information is false. I have spoke with the bankruptcy court and I have documentation from the bankruptcy court that they do NOT verify bankruptcies.

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 2017-09-25
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:
My credit report is displaying a late payment record for a credit card account. XXXX  claims that no late report was issued to the credit agencies. ( See chat transcript ) I want the negative information removed, as the payment was not late per XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Paypal Holdings, Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I'VE OPEN A CHECKING ACCOUNT WITH PAY PAL SOMTIME BACK IN XXXX. I'VE APLLIED FOR GOV UNEPLOYMENT BENIFITS IN XXXX OF XXXX AND WAS APPROVED TO RECECIVE MY BENIFITS IN XX/XX/XXXX. ON XXXX XXXX THE AMOUNT OF {$8100.00} WAS DEPOSITED INTO MY PAY PAL CHECKING ACCOUNT BY THE XXXX XXXX XXXXXXXX XXXX XXXX. ON XXXX XXXX MY ACCOUNT WAS PLACED ON HOLD WITHOUT NOTICE OF ANY KIND FROM PAYPAL. IVE NEVER HAD A CHARGE BACK NEVER HAD ANY KIND OF DISPUTE ARE ISSUE ON MY ACCOUNT FOR THIS HOLD TO BE PLACE ON THERE. IVE CALLED INTO PAYPAL SELVRAL TIMES TRYING TO SEE WHY A LIMTATION WAS PLACED ON MY ACCOUNT. I HAVE SELVRAL RECORED PHONE CALLS ATTACHED TO THIS COMPLAINT WITH EACH AND EVERY CALL CONVERSATION IVE HAD WITH PAY PAL CONCERNING THIS ISSUE. THE LIMITATION PAY PAL PLACED ON MY ACCOUNT PREVENTED ME FROM USING MY ACCOUNT IM NOT ABLE TO SPEND, TRANSFER, WITHDRAW ARE SPEND MY FUNDS! I SPOKE WITH PAY PAL ON NUMEROS OCCATIONS AND WAS TOLD THE LIMITATION MAY TAKE UP TO 180 DAYS MAX AND THAT MY FUNDS WILL BE RELEASE AFTERWARDS. PAY PAL WASNT ABLE TO GIVE ME A REASON ARE INFOMATION ON WHY MY ACCOUNT WAS PLACED ON HOLD IN THE FRIST PLACE. IVE WAITED 180 DAYS FOR MY FUNDS BUT IT NEVER HAPPEN. AFTER 180 DAYS IVE CALLED BACK IN TO PAY PAL TO SEE WHAT I NEED TO DO TO TRANSFER MY FUND OUT THE ACCOUNT, I WAS THEN TOLD MY ACCOUNT WAS CLOSED AND THAT I WILL RECEVE A EMAIL ON HOW TO WITHDRAW MY FUNDS IN 48 HOURS. ( RECORDED XX/XX/XXXX CALL TIME 48MINS. ) ONCE AGAIN NOTHING HAPPEN. IVE BEEN ECITE OUT MY HOME I LOST MY CHILD DUE TO ME NOT ABLE TO GET MY FUNDS FOR MEDICAL PROCEDURES. IM CURRENTLY HOMLESS AND THIS IS NOT RIGHT!!! NOW ITS BEEN 3 YEARS AND PAY PAL STILL HAVE MY FUNDS ON HOLD. PAY PAL FIRST PLACED A HOLD ON MY ACCOUNT 2.CLOSED MY ACCOUNT3 HOLDING MY FUNDS. IF MY ACCOUNT IS CLOSED LIKE PAYPAY TOLD ME IM NO LONGER IN AN AGREEMENT WITH THEM AT ALL AND THEY DONT HAVE THE RIGHT TO WITHHELD ARE HOLD MY FUNDS.! THIS IS THEFT, IVE FILED A POLICE REPORT TODAY XX/XX/XXXX AND LOOKING TI HIRE AN ATTORNY TO HELP ASSITANCE ME WITH THIS ISSUE. IVE LOST EVERYTHING. THE ALABAMA XXXX XXXX APPROVED ME FOR BENIFITS 3 YEARS AGO AND I WASNT ABLE TO SPEND ANYTHING. I WILL MOST DEFILINY FILING A LAWSUIT AGAINST PAY PAL FOR PROFESSIONAL NEGLIGENCE. PAY PAL HAD MORE THEN ENOUGH TIME TO COMPLETE ANYTHING THEY SAY THEY NEEDED TO COMPLETE. WHEN PAY PAL DECIEDED TO CLOSE THE ACCOUNT MY FUNDS SHOULD HAVE BEEN RELEASED RIGHT THEN NOT 3 YEARS LATER. THIS IS UNRESONABLE AN THEY WILL PAY FOR THIS.THIS IS FAURAD AND THEFT AND IS WRONG!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-15
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ONEMAIN FINANCIAL included this debt in the bankruptcy of another consumer and my responsibility for this debt was terminated, yet ONEMAIN FINANCIAL is reporting the debt on my credit report. Per court documents filed by their Banckruptcy Specialist, the debt belongs to one consumer named on the filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: Experian Information Solutions Inc.
State: TX
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:
I reported to Experian that they were reporting inaccurate information in regards to my bankruptcy. I received a letter stating the the information had been verified. I followed up with a letter asking to provide me with who and with whom the account had been verified with. I was not given this information only that it had been verified.

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 2022-10-07
Company: WELLS FARGO & COMPANY
State: FL
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:
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my XXXX XXXX. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this 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 non-monetary relief
Consumer complaint received 2023-02-02
Company: EQUIFAX, 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 XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. 

On XX/XX/2022 a XXXX XXXX Credit Card account was opened under my name without my knowledge or consent and a XXXX dollar credit card was used and left a XXXX dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 got several charges on my card thats why I asked for a replacement then even not activating my new card, theres again charges on it thats why I called the Capital One that im not going to use my new card. But still theyre collecting payments from me. 
im just using one credit card and that is XXXX XXXX Credit Card and im paying it {$500.00} to {$1000.00} a month

Company response to consumer: Closed with explanation