BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-10
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I 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 Im being taken advantage of and being ignored for my disputes and concerns.

Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days 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 data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
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:
I purchased a used vehicle at XXXX autos XXXX XXXX it was a XXXX XXXX XXXX Ex about XXXX miles on it. The actual price was {$2000.00} after everything it came to {$6100.00} i thought that was a bit much but i really needed a car i was working 2 jobs at that time i was making my payments on time never missed one payment then the car keep giving me problems i spent about XXXX on repairs from the day i brought the car it was in and out of the shop i even try to return the car the dealer said i could n't so eventually the car broke down barely last me 4 months so i told them to come get their piece of garbage because im not wasting another dime he told me if i did n't make the payments he will take me to court ive been waiting ever since but because of that its effecting my credit very bad. Please help.

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 2021-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am submitting this Affidavit of truth in support of my dispute claims with the three major Reporting Agencies and the Creditors that provide the information to the Credit Reporting Agencies. Information contained in my Consumer File/Report is inaccurate, misleading, and unverifiable accounts are to be deleted promptly. As The Consumer this incorrect information has caused me great financial duress. My Credit Scores have been impacted tremendously. My rights have are being violated as stated in and under the FRCRA.

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 2019-11-02
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I was promised a 2 % cash rebate on all purchases. On XX/XX/2019 I requested {$640.00} in cash rebates I had earned on purchases. I have never received the cash and the bank, Synchronity of Utah has done NOTHING to make good on the agreement.

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 2019-06-01
Company: EQUIFAX, INC.
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:
sent the ft violaton and police report with all affvidavit please remove the ftc violation bk lates on credit reports caused by the ftc violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX neches

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: R & B Corporation of Virginia
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Credit control corp/ XXXX XXXX XXXX/ XX/XX/XXXX adv the company that the account was not mine and the company did n't remove the information from my credit report. 

Credit control corp/ XXXX XXXX XXXX/ XX/XX/XXXX adv the company the account was not owned by me disputed the account more than once and no changes have been made. 

Credit control corp/XXXX XXXX XXXXXXXX adv the company that the account was not mine disputed the account more than once and no changes have been made to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is claiming that I owe them {$250.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I recently checked my credit report and I notice there are a bunch of unauthorized credit inquiries made. My credit was illegally ran by XXXX XXXX XXXX in XXXX, IL. I did not give them permission to run my credit and while out for a test drive they ran it and sent it to finance places. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into these XXXX inquires to determine who requested this credit inquiry. The same day, XXXX XXXX in XXXX, IL did run my credit with my permission so those inquiries are correct. According to XXXX XXXX, before they ran my credit, they said I had XXXX inquiries from XXXX XXXX XXXX. If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On or about XXXX XXXX, 2017, I transferred balances from Capital One credit card to another bank due to their unfair, exorbitant APR. The bank in turn issued a check to pay off balance to Capital One. I called Capital One after I went online to view my account and verify that they had received the payment and it had been credited to my account, bringing the account to a " XXXX '' balance. I asked them to " CLOSE '' the account. The account is showing " Closed '' online when I go in to check my account and verify that it 's closed. However, Capital One has " refused '' to notify the 3 credit reporting agencies. The account is still showing " Open '' with a balance over {$6000.00}, at all 3 credit reporting agencies, XXXX, XXXX, and XXXX. I have spoken to Capital One and they have given me the " runaround '' treatment, putting me on hold over and over, and coming back with some nonsense about why this problem might be happening rather than admitting that they never informed these 3 agencies that my account is closed as required by law. This is typical Capital One tactic, angered that they can no longer " suck the life out of me '' with ridiculously high interest. Very unsavory, unethical, underhanded company. Also spoken to XXXX, faxed closure verification retrieved online. Submitted " disputes '' at all 3 agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
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:
Long story short I had already filed a complaint when they closed my account months ago because of a mistake I made and did not have my payment set to min payments monthly but pay full balance. When they payment was attempted to pay balance of around XXXX in full my bank froze the account and charge. When PenFed finally saw my complaint here after numerous attemptes to plea with support and share what happen was a mistake I was contacted by XXXX at the head of Pen Feds Fraud department to let me know they had made a mistake and were opening up my account.It was about 2 weeks later when I went to log back on and my account was closed again??????? 

I contacted XXXX and explained again what happend. He said the my account was closed because a dispute was sent and I explained I had a fraud alert and credit repair/monitor companies that monitor and request proof of any suspicious items. I told him I did draft a letter stating to the 3 bureaus that Pen Fed charges were accurate and to please report accordingly. He looked over my file and letters and said he saw what I was referring to and I should have access shortly to my accounts. Ether this  was a lie or they changed their mind as I still do not have access and both cards are shut down. 

In good faith I have continued to make payments but have to call in each month to do so and is just super inconvenient and the whole situation is just UNFAIR. I NEVER MADE A LATE PAYMENT AND HAD THE HIGHEST CREDIT POSSIBLE. When I call in now everyone is hush and just says sorry we cant talk about it : (

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 2020-09-24
Company: Experian Information Solutions Inc.
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:
Several online disputes have been sent to XXXX  and Experian directly as well as through the CFPB portal requesting the removal of the fraudulent student loans accounts. Unfortunately, both XXXX   and Experian have been non-compliant in removing these accounts although these disputes have included the FTC report as well as proof that my identity has been compromised on the dark web. Additionally, both Experian and XXXX  reported that the fraudulent accounts has been verified by the data furnisher but have failed to provide me with such proof as required per FCRA regulations. Therefore, I am demanding to have these accounts removed from my credit reports because it is a direct violation of my consumer rights to list fraudulent information on my credit report. PLEASE DELETE 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 2019-06-01
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I wanted to purchase some in XXXX XXXX from a guy online and I was talking to him through an app called XXXX I sent him {$42.00} for the XXXX for a game called XXXX XXXX he immediately blocked me and never sent me the XXXX therefore scamming me for XXXX dollars. I would like to get the money refunded since I was scammed, I contacted paypal and they told me there was nothing I could do since the guy made me send the payment as family/friend. I have attached images showing that he scammed me and blocked me after I sent the money I will also share with you the paypal transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-10
Company: Mercedes Benz Financial Services
State: DE
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
Leased XXXX XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX of XXXX XXXX. The lease was for 42 months and included XXXX XXXX XXXX of {$3300.00}. The first maintenance would have been after XXXX miles. On XX/XX/XXXX the vehicle was totaled and only had approximately XXXX miles to that date { driving was limited due to XXXX -- lease allowed XXXX miles per year XXXX. The dealership provided disjointed and no follow up to my request for a refund. I first wrote to the finance person as well as my sales person on XX/XX/XXXX asking for a refund. I then sent numerous email to the XXXX, sales XXXX etc. finally I got hold of the finance person and took over the communication with their parent company, XXXX XXXX. They finally got the info they needed to proceed and then they received a response i early XXXX, XXXX stating XXXX had ruled that they would not refund the money and would be keeping it because they decided on XXXX XXXX that they would no longer refund any pre paid maintenance funds. The response was sent to the dealership and I had to call XXXX XXXX to find out that they would not refund the money. I lodged a complaint with XXXX and they still declined to make a refund. I do understand there is a discount for purchasing pre paid maintenance and do get that refunds part way thru XXXX be problematic BUT I had an accident, NO service had been done, they are keeping {$3300.00} and profiting from my accident and doing NO service

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: Resurgent Capital Services L.P.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2019 I sent LVNV Funding a letter letting them know that the information that was requested of them was invalid and that they needed to stop reporting negative information to my credit reports and the accounts should be closed and removed from my credit reports. LVNV Funding did not provide the proper proof for the accounts. They only sent me a print out of a bill, which is not valid proof of verification according to FTC opinion letter from Attorney XXXX XXXX XXXX. I sent this information to LVNV Funding and they continue to report negative information to my report and did not respond to my letter with the proper information, which is a continued violation of FCRA. Their reporting is a violation and continues to prevent me from moving forward with my life and preventing me from providing a better life for my family. Than you in advance for all of your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Regarding case # XXXX Hi, on XX/XX/XXXX I have transferred an amount to Coinbase.  After several days this amount still was n't processed. I have contacted them through their customer support. The reply I got was that the name/account did n't correspond with their account details and thus, the money was supposedly returned to my bank account. After a week the money still was n't returned and I started to send messages to follow up this matter. A very late response ( after a week ), they needed my details to investigate the matter. 

Each reply I got from Coinbase it took several days. I almost immediate responded, but then the response kept being longer and longer. The attachment I enclosed is the proof. 

It 's been almost 2 months now and the money still have n't returned. Their last reply was from 2 weeks ago. this casenumber XXXX as stated above is from Coinbase itself. There they find ALL the details of the transaction. I ca n't imagine any professional company that holds onto other people 's money for such a long time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: EQUIFAX, 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:
As stated in the HIPAA law section 1681b ( g ) ( 4 ) you are not allowed to disclose any of my medical information this is clearly a violation to my privacy. I would like this be taken out of my credit report immediately. I reserve the right to sue your company for violating of my consumer rights as indicated under both the FDCPA and the FCRA. I will also seek damages from you if warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was on XXXX website on XX/XX/19 looking up tickets for XXXX to XXXX  and an American Express offer popped up that if I apply and get approved for the XXXX Skymiles card, I would get {$250.00} credit towards my ticket purchase if made within 30 days of account opening, also get XXXX miles if {$3000.00} in purchases was made within 3 months of account opening. I applied and followed the instructions on the prompt and was approved immediately with a welcome letter. I was given a {$9100.00} temp credit to purchase my ticket then and given my account number to use. I got the card in the mail with {$9100.00} credit line and spent {$270.00} in first month and paid that {$270.00} amount in full within 30 days. I never received the {$250.00} XXXX XXXX credit that was advertised. There were no further communications from XXXX or American Express concerning my credit card or the rewards being sent or not sent. When American express was contacted regarding issue via phone on XX/XX/19, I was informed that I wasn't eligible for the offer and they will investigate further. We were told the investigation # was Reference # XXXX / ID # XXXX. I never received any letter or indication on the prompts that I was not eligible for the offer, especially since they gave me the temporary card number and {$9100.00} to use for my XX/XX/19 XXXX  to XXXX ticket purchase. On XX/XX/19, I contacted American Express again and they had completed their investigation and said the same thing again. They could not provide me with any proof that I was not eligible for this offer, then why approve me? Over and over again from the American Express support reps I was told that it was probably because of another XXXX or Amex credit card I had in the past that is why I'm ineligible for a bonus, I have never had a XXXX XXXX credit card and I have had two American Express cards, one was my XXXX American Express which XXXX ended because they switched to XXXX and abandoned Amex a couple years ago altogether, and the other American Express card I still hold. My credit is excellent, over 800. I should have been shown a " Denied '' message during the bonus offer when submitting the check for eligibility but it never did that and everything showed that it was approve. My welcome letter received on XX/XX/19 indicated no such information of ineligibility, which should have been if the case was such so. This is false advertising and I was scammed into opening their card and paying a higher fee for the two airline tickets thinking I was getting credit when I could have bought with another airline for 25 % less. This is an example of bait-and-switch perpetrated by Amex and XXXX XXXX Amex are both profiting off of this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: TRANSWORLD SYSTEMS INC
State: NY
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: WLCC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
BEWARE - Explore Credit charges over {$3500.00} in interest on a {$500.00} loan! Explore Credit charges 759.52 % interest on a {$500.00} loan. Payments are auto-deducted, and total payments are {$4000.00} on a {$500.00} ( XXXX XXXX XXXX ) loan!!

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

Complaint:
loged in to experian.com and request to dispute it and this message keeps coming up even after I have called to verify my identity : Dispute Can't Be Processed Online For security reasons, we can not process your dispute online. Please contact us by phone so we can best assist 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 non-monetary relief