BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-22
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XX/XX/2020 I entered into an agreement to buy a vehicle for {$18000.00} at XXXX XXXX XXXX  XXXX. I was shown the price in writing although I was denied a copy of the agreement. After waiting hours, I was taken to the finance office. I was talked through options on terms. I agreed to a 60 month loan. The loan officer then digitally initialed all the paperwork, I did not, and printed off paperwork. The paperwork was then placed in an envelope and sealed before being given to me. When I checked the paperwork ; the price had been changed to {$21000.00}, a {$2600.00} maintenance plan was added, and the terms were increased to 72 months. 
This occurred at XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2019 I reached out to XXXX XXXX loan officer for chase bank, ID # XXXX, in connection with a home refinance loan. After many emails back and forth discussing credit, income, and fico score specificities, Mr. XXXX said via email, based on your information, and after speaking with my manager, we are able to provide a loan to you. Believing that Mr. XXXX, acting on behalf of chase bank and its affiliates, requested my personnel loan application for loan process. I then provided my personnel information, and a credit pull was executed on my credit file. Again, Mr. XXXX ensured me that he would begin work on my loan immediately. However, after 4 days past, I was still inquiring for a response back from chase regarding the loan process, by which Mr. XXXX finally responded and said, sorry, credit was denied. When I asked why, he stated, rates change everyday. I believe that Mr. XXXX, and Chase Bank made misleading and false promises Im order to acquire my private information, and then deliberately lied to me, and discriminated against me for no apparent reason. I am a very credit worthy person, with many current and on time payments, income, and fico score. Mr. XXXX and chase bank have damaged my credit file, and also made false and misleading promises in order to acquire my information, and then denied credit of merits that did not pertain to me. I demand that chase bank remove the inquiry on my credit file, and compensate me for causing damage to my credit, and creating a negative impact to my ability to achieve my credit goals. This is based on the evidence I have in emails sent to me directly. This is a blatant and malicious act that must be addressed and corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Receivables Performance Management, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX account was illegally opened as XX/XX/XXXX account and should of been a prepaid account I never received a letter from the collection agency.

XX/XX/XXXX I was informed by a XXXX associate that I pay balance in full it will be removed from 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 2020-02-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On Friday XX/XX/XXXX my wife and myself both received an email stating my account with Experian via XXXX had been canceled. Because I know for a fact I did not cancel my account, I called the number in the email. It was an automated system. No live person. I tried several times and used all the options in the menu but to no avail. I went online and tried to sign in with my username XXXX and it gave me an error message stating to call a toll free number. It was a different number from the email but led me to the same automated system with no live operator. My account has been compromised and I can not get any help. I finally called XXXX and it got me to someone. I was told my account was locked out due to too many unsuccessful attempts. I explained that my account has been compromised because I received an email saying my account has been canceled and no one can tell me how this happened. We record all calls to collections or pertaining to debt. If i dont get a resolution on Monday, we are sending the calls and screenshot to the news. Just like my wife, I even tried to create a new account, and the same error occurred after it took my {$1.00}.

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 2019-10-21
Company: ALLY FINANCIAL 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 am so angry and frustrated with XXXX and the different credit card companies. They have been working on my investigation for over a month, with no resolution. I have sent my police report and my FTC report that I filed along with my identification and they are not removing these accounts from my credit profile. They do not have any evidence against me, and are continuing to report these accounts. I have spent so much time so much energy, and I am so stressed from this situation. They are not helping whatsoever, and I am getting anxiety from talking to so many different customer service reps, who one promises to remove the accounts, to another one who says we never received the report, to another one who said they did receive my reports. They were all done and uploaded online and have record. Please help in resolving this matter, I need these accounts to be removed from my credit report immediately. I am not able to rent any other house, or buy car. Please help. 

The companies I am reporting are 1. XXXX 2. ALLY FINANCIAL ( 6 different accounts in which 2 accounts have been removed 4 accounts are still reporting ) 3. XXXX XXXX 4.  XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX Please help in resolving this matter, I have reported my identity theft from way back in XX/XX/XXXX. These companies have not been removed from my credit report, they are giving me very bad customer service, and XXXX  is by far the worst credit bureau to deal with.

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 2020-02-22
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
The report given was made in violation of the FCRA, which requires the accuracy and the authenticity of the debt being mine, the accuracy applies to the ownership of debt as well as its authenticity being derived from my action

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 2020-02-22
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
The report given was made in violation of the FCRA, which requires the accuracy and the authenticity of the debt being mine, the accuracy applies to the ownership of debt as well as its authenticity being derived from my action

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Ability Recovery Services, LLC
State: NV
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company is reporting inaccurate and damaging information on my credit report. The company failed to give notice prior to reporting this item on my credit report. They also failed to validate the debt. The date opened, date of last payment made is wrong, credit limit, high balance amount, responsibility, and payment status is reporting inaccurately. There is also missing information not being reported. There is also inconsistent information being reported to different bureaus. Why isn't your data consistent between various credit bureaus if the information is supposed to be 100 % accurate and complete? How can you tell the credit bureaus you verified this information when your own information being reported is wrong and inconsistent. The furnisher reported doesn't even have a record of this information or account. I called them and they have no record of anything you are reporting. What did you do with the money you said was paid? Who did you report this to and do you have proof? What account was this applied 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 2021-08-05
Company: EQUIFAX, INC.
State: NC
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:
There is some arr, XXXX on all three credit bureaus XXXX  and Equifax  and XXXX  fed loan service, XXXX all three collage, XXXX over charged me for class, XXXX I did, t take and one of the collage was XXXX XXXX XXXX in XX/XX/XXXX up to XX/XX/XXXX and at stray university in XXXX and at XXXX XXXX university online in XX/XX/XXXX up up to XX/XX/XXXX they had put me on ackademick probation because of the latter or what not and i had to withdraw because i had to of my uncal, XXXX that died in back to in XX/XX/XXXX and the review board said I had to right them a latter about what had happed to my two XXXX, XXXX and I did but they would not take what i tryed to expland them i the latter but the review board turned down my latter and put me out of school and that is why I'm fileing a complaint agent, XXXX XXXX  XXXX university onlne.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
There is some arr, XXXX  on all three credit bureaus TransUnion and XXXX  and XXXX XXXX XXXX XXXX, XXXX all three collage, XXXX over charged me for class, XXXX I did, XXXX  take and XXXX  of the collage was XXXX XXXX XXXX in XX/XX/XXXX up to XX/XX/XXXX and at XXXX  university in XXXX and at XXXX XXXX university  online in XX/XX/XXXX up up to XX/XX/XXXX they had put me on ackademick probation because of the latter or what not and i had to withdraw because i had to of my uncal, XXXX that died in back to in XX/XX/XXXX and the review board said I had to right them a latter about what had happed to my two XXXX, XXXX and I did but they would not take what i tryed to expland them i the latter but the review board turned down my latter and put me out of school and that is why I'm fileing a complaint agent, XXXX XXXX  XXXX university onlne.

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 2020-02-22
Company: WHEELS FINANCIAL GROUP, LLC.
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took this out and redid 4 years ago I had my XXXX XXXX so had to stop so I lost my job there still adding interest and really affecting my credit even after many years later I dont know how that is legal

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: Lending Club Corp
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I have a personal loan with lending club. It is a once a month payment due on the XXXX of each month. On XX/XX/20, I saw a charge on my online banking that was posted from lending club.com for {$11.00}. This amount did not match my payment plan and was not scheduled. I call lending club to see what it was and they said they had no record of the charge and could not see it on their side. I called my credit union and they could see that the money was pulled out of my bank at lending clubs request on XX/XX/20. I called lending club again today ( XX/XX/20 ) and the person now tells me they are aware of the situation and they switched computer programs and emails are being sent out to employees that there is a widespread problem occurring with unauthorized payments being pulled from peoples bank accounts. She was glad mine was only {$11.00} dollars and not a XXXX dollars and implied that other people were having that much unauthorized deducted. She said their computer program is automatically reversing the unauthorized charges. By the end of the day today, I still dont see a reverse on the charge yet ( and neither does my bank when I called them ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: Westlake Services, LLC
State: WI
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:
Westlake Portfolio Management has repossessed a vehicle that was awarded to my ex wife during our divorce. Case number is in the city of XXXX, Wisconsin XXXX. The judge awarded the vehicle to her and they refuse to accept the divorce decree and take my name off the loan. They are still saying I am primary because I signed the contract when we were married. Just want my name off the contract as directed by a judge of a legal court system of this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Select Management Resources, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had a previous loan, but with your help, I was able to make it the installment loan it was supposed to be in the first place. With it almost paid off, I was given the opportunity to add another loan. Come to find out later, that it would no longer be an installment loan, but the entire amount would be due and payable in 30 days. It was not necessarily the amount to pay back, but I thought it would continue as an installment loan. Upon trying to remedy the situation, I was told that as long as the balance remained above {$500.00}, it would be due and payable in 30 days after that I could make it an installment loan. I 'm willing to keep doing business with them, but I do n't consider this rule fair. Help! Now I 'm worried of what might happen to my car. I just had it serviced at XXXX XXXX XXXX for {$1800.00} and I ca n't pay that entire amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-22
Company: ACIMA CREDIT, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am victim of identity theft. I placed a fraud alert on my credit XX/XX/2020 that should last a one and requires contacting me via phone before any  new lines of credit, accounts, loans or leases are opened. 

XX/XX/2020, I was alerted that a new Account appeared on my credit from " Acima FKA  XXXX ''. I followed up with the XXXX XXXX XXXX  I have purchased to get a number for this vendor. 

I spoke on the phone with XXXX, Acima Credit customer representative, and they could not explain clearly why they ignored the fraud alert and allowed an account to be opened in the amount of {$2400.00}. They did however, say they would get it to the fraud department and begin the investigation. 

I was also informed that the fraud department would follow up with me with 72 business hours. I requested to be transferred or inquired if there was a number to speak with the fraud department but was informed there was no number to contact and they would contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Source Receivables Management LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Source Receivables management PursuIt to 18 USC 8, I owe NO debt.This company is violating my consumer right to privacy pursuant to 15USC 1681 b2. This company also has NO permission to report ANYTHING using my information pursuant to 15 USC 1681 4 as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). 
Reporting false information with an open balance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
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:
Allowing reporting of a collection account from XXXX XXXX in violation of the FCRA that requires a time limit of 7yrs for a negative account reporting as well as the accuracy of the information of the account being reported

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 2019-01-27
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has made attempts to collect this debt before and was resolved as not our debt. Now they are using Diversified Consultants to re-open this closed matter. Diversified Consultants has never contacted us in any way concerning this matter. While checking my credit report I saw this derogatory collection. I have brought to their attention over 60 days ago without resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
From XX/XX/XXXX to XX/XX/XXXX, both my checking and savings accounts got unauthorized transactions over 9000 USD in total to an unknown person through coinbase.com platform, which is a website managed by coinbase, inc.. I never had any accounts with coinbase.com, never provided my account numbers and never approved such transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
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: Personal information incorrect

Complaint:
Violation of the FCRA of accuracy in reporting by XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX co

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 2020-02-22
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 fraud alerts or security freezes

Complaint:
I am victim of identity theft. I placed a fraud alert on my credit XX/XX/2020 that should last a one and requires contacting me via phone before any new lines of credit, accounts, loans or leases are opened. 

XX/XX/2020, I was alerted that a new Account appeared on my credit from " XXXX XXXX XXXX ''. I followed up with the XXXX XXXX Services I have purchased to get a number for this vendor. 

I spoke on the phone with XXXX, XXXX XXXX customer representative, and they could not explain clearly why they ignored the fraud alert and allowed an account to be opened in the amount of {$2400.00}. They did however, say they would get it to the fraud department and begin the investigation. 

I was also informed that the fraud department would follow up with me with 72 business hours. I requested to be transferred or inquired if there was a number to speak with the fraud department but was informed there was no number to contact and they would contact 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 non-monetary relief
Consumer complaint received 2021-03-25
Company: Herbert P. Sears Co., Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
SOME TIME AGO I RECEIVED SERVICE AT WESTERN DENTAL, APPROXIMATELY 5 YEARS AGO, I BELIEVE.I WAS FULLY INSURED AT THE TIME OF SERVICE BY A GOVERNMENT INSURANCE XXXX.THE DENTAL OFFICE INSISTED ON VERIFICATION OF COVERAGE PRIOR TO TREATMENT.ONCE I WAS INFORMED THAT I WAS COVERED AN APPT. WAS SET UP BY THE DENTAL OFFICE. 
IF THE DENTAL OFFICE ACCEPTS GOVERNMENT INSURANCE THEN THEY ALSO ACCEPT THE ASSIGNMENT OF BENEFITS.THIS BILLING BY HP SEARS IS ENTIRELY EXTORTIONATE IN NATURE.NOT ONLY DO I NOT OWE ANY MONEY BUT THE DEBT IS TIME BARRED FOR EXPOSURE IN COURT.SO THE ONLY THING XXXX XXXX IS TRYING TO FIND OUT IS IS HOW MUCH MONEY WILL I PAY TO KEEP MY XXXX FICO SCORES THAT ARE EARNED BY YEARS OF RESPONSIBLE BORROWING AND PERFECT PAYMENT HISTORY TO SAVE MY CREDIT FROM ATTACK WHETHER OR NOT I OWE THE MONEY.I OWE XXXX DOLLARS TO XXXX XXXX OR HP SEARS.I WOULD LIKE TO SAY NICE TRY TO THE CROOKS AT HP SEARS BUT THEY FOUND A PERSON WHO WILL NOT PERMIT THEM TO WREAK HAVOC ON A STRESSED FINANCIAL SYSTEM.SO NOW WE HAVE A RECORD OF THE CRIMINAL ACTIVITY.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation