BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-12
Company: Experian Information Solutions Inc.
State: SC
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:
Please investigate the following accounts, and have them send me what they have in there database that proves the following accounts are mine. To my knowledge none of these accounts belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU

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 2018-06-12
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I recently ( XX/XX/2018 ) tried to apply for an auto loan through my credit union and was denied due to a previous existing auto. Mind you I am a first time car buyer so I was unsure of what account they were referring to. I am not very educated on exactly how credit works outside of the normal usage ( spending lines, purchases, etc ). When I went to pull my credit reports from all three bureaus is when I noticed this problem. From the way the account appears on my reports, I am not the primary account holder but some how I am in a joint bind with another person that I have no knowledge of. I wish to address this matter immediately.

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 2021-07-19
Company: EQUIFAX, INC.
State: TN
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 submitted a dispute back in may of this year. My US BKPT CT TN XXXXXXXX was removed on XX/XX/XXXX and it showed back on on today as well as my XXXX XXXX XXXX account was removed as well and now is back on months later. I have been having this issue for months now, the credit companies have been going back and forward with me on removing and putting accounts on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: EQUIFAX, INC.
State: OR
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 XX/XX/XXXX I began my XXXX studies with the University XXXX XXXX XXXX, CA and completed this program in XX/XX/XXXX. 

I began my XXXX  studies in XX/XX/XXXX with University XXXX XXXX and completed my XXXX  studies in XX/XX/XXXX. 

I was also enrolled at the University XXXX XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX, for the for their XXXX  level XXXX XXXX XXXX XXXX, these credits were later applied to a XXXX degree in XXXX XXXX with the University XXXX XXXX in XXXX of XXXX, I completed this program in XXXX of XXXX. 

During this time frame I used part of my G.I. Bill for these programs along with student loans. I had a series of health issues that were not resolved while on XXXX XXXX that were later compounded that required me to request a deferment/forbearance of my student loans due to my inability to work. Some were granted to my knowledge whereas others were not, which I continued to resolve. 

Upon careful review and further evaluation by the VA my XXXX rating was increased to 100 %, which qualified me for the XXXX XXXX XXXX XXXX ( XXXX ) program for my student loans. 

On XX/XX/XXXX DOE directed XXXX XXXX and XXXX XXXX XXXX to suspend collection activities on my student loans until they could determine my eligibility for discharge. Effective XX/XX/XXXX, the DOE had approved my discharge of the federal student loans on the basis of my XXXX and XXXX  XXXX. 

In closing from the very beginning my student loans were never properly reported, some start dates began before I was even enrolled in school, which I attempted to address with XXXX XXXX. To my knowledge this was never corrected. 

Additionally, I have 24 trade-lines ( student loans ) that are listed as late or in default in excess of 120+/180+ days. In addition to these issues several of these same accounts have exceed their legal reporting periods of seven years, with multiple that are over 10 years. In previous communications via letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, XXXXU.S. Department of Education is in violation of Section 623 ( a ) ( 2 ) of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
This is my second time filing a complaint regarding my Chase Credit Card. My prior complaint reference number is XXXX filed on XX/XX/XXXX. 

In my prior complaint, I explained that I was seeking a lump sum settlement of the balance owed on my account with Chase. Chase responded stating that they had offered me a 10 % reduction in the balance owed. At the time this settlement offer was not affordable to me and I counteroffered to an amount I could afford - which was declined. 

Since my last complaint in XXXX, my husband is still unemployed due to COVID-19 and the business does not plan on reopening. My husband and I are trying to be proactive to resolve our outstanding debts to manage our finances on one income. As part of the CAREs act, I was able to obtain a large disbursement from my XXXX to try to help my family manage our finances. I made this decision to take the disbursement from my XXXX based on the information that was previously provided by Chase - that they would settle the balance for a 10 % reduction. 

Today, XX/XX/XXXX I contacted Chase again to request the 10 % balance reduction that was offered in XXXX by Chase to resolve the remaining balance owed. I was told that my account was not eligible. The representative I spoke with had a representative number of XXXX. She stated that based on my 'excellent ' payment history, my account was not eligible. I attempted to point out to her that the card is nearly maxed out and that I had been making the minimum payment for the past year - with no end in sight. In addition, the balance of the account went over my limit in XXXX, XXXX. Her suggestion was to call back in XX/XX/XXXX days to see if the status had changed. When I explained that I was previously offered a settlement on the account, she indicated that the status of the account changes. I was also informed that the settlement offer most likely would not be accepted unless the account was past due. 

I made informed decisions based on the information that Chase provided me in XXXX. Specifically, that they would settle the balance owed on my account for a 10 % reduction. After this sustained hardship, I decided to take a large disbursement from my XXXX - knowing that I would be able to resolve the balance owed on this account for less that what I owed. This pandemic has severally affected my family and I needed to make this disbursement go as far as possible. I believe that the actions taken by Chase are unfair, deceptive and abusive. 

I like many consumers am facing a sever financial hardship, I am trying to resolve this debt to the best of my abilities. Chase is forcing me to make the account delinquent, thus damaging my credit, just in hopes that they can get a full payout on the account. These actions are extremely abusive to consumers in dire need of aid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Affirm Holdings, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
affrm.inc has debt collection on my credit it was fraud my debt amount at XXXX and hey not do the right thing to do clarify it was me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Aqua Finance, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Aqua Finance has placed a lien on my property for a XXXX XXXX. This has been reported to CFPB before and was removed from my Credit report after filing a police report. The information in the contract that Aqua Finance provided me after finding out a lien was on my home at XXXX XXXX XXXX XXXX XXXX TX XXXX is incorrect. The contract states individual account and it list false information. XXXX XXXX XXXX is incorrect and it states he's retired military which is also incorrect because XXXX XXXX XXXX has never served in the military and received XXXX benefits. XXXX XXXX has me listed as an XXXX with 18 years of service. I'm in the XXXX XXXX and was recently promoted to XXXX in XX/XX/2020 and my time in service will be 18 years in XXXX. I have filed a complaint against this company before and it was remove from our credit report only to find out later that they have place a lien on my home. We never signed a contract and the signature on the contract doesn't belong to XXXX XXXX or XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was trying to activate my TV to be able to use XXXX XXXX Video but clicked on the wrong link which was made to look like the XXXX activation support web page, and was scammed by a man impersonating an XXXX tech manager who had two XXXX transactions processed from my BOA checking account. I contacted XXXX immediately and they confirmed it was a scam subsequently I called BOA immediately and spoke with a man named XXXX in XXXX, AZ who, even with pending transactions are indicating in my checking account, said the transfers could not be stopped. 

I never asked for XXXX feature to be added to my account, never have used XXXX in the past, and do not know how it works. My wife has transferred funds between her BOA account and our son 's and sister-in-law 's BOA accounts but never used XXXX either for the transactions. 

If I was able to immediately put a hold on the transactions so that when I did contact BOA they could verify it as a scam and subsequently delete the transactions before I lost the money. 

Bank of America denied my claim for a refund, saying I, the victim, was the one who authorized the transactions. Bank of America is one the the banks that own XXXX and I never requested go be linked to XXXX can I be included in the class action law suit indicated below? 

" XXXX, a peer-to-peer payment app, is under fire for enabling fraudulent transfers between customers and scammers. Theres an ongoing class action suit against Bank of America that claims the financial institution downplayed huge security risks of linking XXXX to one of its bank accounts. The Consumer Financial Protection Bureau ( CFPB ) is reportedly preparing new guidance that would require banks to reverse fraudulent transfers. ''

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 monetary relief
Consumer complaint received 2020-11-06
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:
I XXXX XXXX have sent out my request to have this items blocked from my credit report as i am a victim of identity theft. I clearly stated that in my FTC report with all the information that i gathered. i have never opened this account nor have i benefited from this account i never obtain goods or service from this company called XXXX please see attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
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:
There is an account from XXXX XXXX on my credit report that is not mine. The only reason I even found out about this account is because I was denied from. getting a personal loan at XXXX today XX/XX/27. I did not open this account and I did not give anyone permission to open this account in my name. I am not affiliated to this company in any way nor did I benefit anything as a result of this account such as money, goods, services or any other benefit nor did I ever make any payments that might have been made towards this account. I have already filed a police report regarding this unauthorized account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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 is missing that should be on the report

Complaint:
I pulled up my XXXX  credit report and XXXX  report and it not reporting incorrect. and all my credit cards have been removed from XXXX  reporting and im missing five credit accounts on my XXXX  report and i contacted capitol one they refused to submit a documents to the credit bureaus and told me that i need to put it in writing which i refuse to do because i did it in the past and never got a response from them and there are no credit accounts are being reported on XXXX  XXXX  didn't have capitol one XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DIDNT REPORT THIS XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is an account from XXXX XXXX  on my credit report that is not mine. The only reason I even found out about this account is because I was denied from. getting a personal loan at XXXX today XX/XX/27. I did not open this account and I did not give anyone permission to open this account in my name. I am not affiliated to this company in any way nor did I benefit anything as a result of this account such as money, goods, services or any other benefit nor did I ever make any payments that might have been made towards this account. I have already filed a police report regarding this unauthorized account.

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 2020-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 have disputed the following accounts multiple times, but they are still reporting. They came back as verified, but I did not receive proper documentation stating who they spoke with, and what documents were provided to validate I am responsible for the accounts, showing my signature. I have attached a document showing XXXX  has deleted the accounts in question. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/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 2018-02-21
Company: ERC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I came home from taking care of some business and found a call on my caller ID that I didn't reconize so I called back and a man with a XXXX accent answered the phone and started to give me a run about infomation on me and claimed I owed a debt that they were attempting to collect. I knew I didn't owe a debt so I chewed the man out and told the not to call me anymore or I'd take legal action and I hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am disputing this debt for XXXX XXXX that is currently in collections. I have no knowledge of this account and I have not received any information regarding this account from XXXX or the assigned collection agency.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On XX/XX/XXXX the XXXX XXXX was repossessed by Prestige Financial Services. PFS sent me a letter to an address I have never resided in, regarding the XXXX XXXX. Once the letter reached me it stated the car would be sold at auction on or after XX/XX/XXXX. I received no further communication from PFS regarding the car. Prestige Financial Services in the beginning of the repossession reported the car to the credit bureaus as a repossession as of the last credit report they have reported the car as charged off due to natural disaster. They have also reported the car as late payments every month for more than one year to date, and has listed the amount of the original loan plus interest as what is owed on the loan. I a request of document proof of what was owed on the loan after the sale of the vehicle with a fourteen day deadline for receipt of said documents and to have the information removed from my credit report, PFS sent to me via USPS, a copy of the letter from XXXX in the mail with a letter of refusal stating after their investigation they are within their rights to continue to report this information on my report, no other documents were received from my request. Texas repossession laws required the lender to provide documentation without request after the sale of the vehicle to show proof of monies received for repossessed vehicle. If documents are not produced the lender has invalidated their claim to any remaining sums owed on loan. I made a call to PFS on XX/XX/XXXX and spoke with XXXX who informed me I needed to speak with my account manager who was gone for the day, I was transferred by XXXX to the account manager team members where he also informed me one of them would be able to assist me or if they do not answer to leave a message for a return call. I left a message and to date no return call has been received. Below I am attaching my letter to PFS and their response letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: CITIBANK, N.A.
State: NJ
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:
i had been a customer for citibank and they wrongly closed my credit card based on non-usage, they swallowed my thank you point of XXXX and now due to a wrongly issued delinquency on my credit report which says its paid. they have denied me another credit card.

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 2020-06-28
Company: Square Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I looked up an customer service number for cash app and received a number from cashapphelp.com i called to raise my daily cash limit i was prompted to download quick view support were the rep was to walk me through steps to access a higher limit but the rep ended up transferring all my available funds of XXXX then was able to access my husband cash app as well and transfer all the money out of his account totaling in XXXX from both accounts there is no number to call back and our funds was transferred to and unknown account ending in XXXX

Company response to consumer: Closed with explanation