BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-02
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Lease account was paid in full and closed in XX/XX/XXXX, as can be seen on credit report. XXXX XXXX reopened account in error in XX/XX/XXXX. Tried working things out with XXXX XXXX directly, after which they assured that my credit score would not be affected as the account was reopened in error. The following month, the account appeared on my credit report as 120 days past due. At that point, contacted XXXX XXXX again, at which point they assured that they 'd fix the issue quickly on their end. After another 8-9 months of no change, I submitted a dispute through Transunion in XX/XX/XXXX. The Investigation was completed and resulted in the disputed information being updated and corrected on my account on XX/XX/XXXX. On XX/XX/XXXX, I received an alert from my credit monitoring service, stating that the account had been reposted as delinquent by XXXX XXXX. Currently on hold with XXXX in figuring out the easiest way to, once again, get this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
An application was submitted in my name to Pentagon Federal Credit Union that I did not authorize. I have called several times and they can not find the application therefore the inquiry remains on my credit. Evidently, they have started an investigation but even after 30 days I have heard nothing back and upon checking in, they advised that it still hasnt been investigated yet and that I need to wait more time. The case number is 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 non-monetary relief
Consumer complaint received 2020-10-08
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: Information belongs to someone else

Complaint:
The Credit Bureaus are not blocking an account per FCRA regulations when I submitted an identity theft report claiming I was a victim of ID theft. They claim they verified the accounts with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health. These are the fraudulent accounts that I have disputed : XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/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 2017-10-02
Company: CNG HOLDINGS INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently disputed an item with XXXX XXXX XXXX and it was determined that this was not my item and that i was not responsible for the charges that were incurred so with that being said I received a corrected credit report with the item deleted from all three credit bureaus. I recently applied for additional credit and this item has magically reappeared and also after removing the item they sold this account to a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: IL
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:
The Credit Bureaus never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if open date is inaccurate, the No. of Months ( terms ) is inaccurate, date last reported is inaccurate, and date last active is inaccurate. XXXX also re-aged my account. This is all grounds for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I asked credit report agency to verify accuracies on my credit report on XX/XX/22 for {$140.00} to XXXX XXXX XXXX. 
In accordance with the Fair Reporting Act XXXX  account XXXX, has violated my rights. 
15 U.S.C. 1681 section 602 A states I have a right to privacy. 15 U.S.C. 1681 section 604 A s
ection 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2021-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
BOFA CLOSED MY ACCOUNT FOR NOT REASON AND STATED WITH XXXX THAT IT WAS FRAUD!! RELATED TO # 1 AND # 2 : MY SON WAS XXXX AT THE TIME SOMEONE Compromised HIS ACCOUNT : I HAVE NOT HISTORY OF FRAUD!! 

MUILTI CALLS AS TO WHY MY ACCOUNT-NO DIRECT Answers : MY ACCCOUNT WAS IN GOOD STANDS AT THE TIME THEY CLOSED IT : I RESEARCHED THE MATTER AND FOUND MANY other banks are randomly closings accounts OF MINORITIES AS WELL AS PEOPLE WITH SMALL AMOUNTS DUE : IT'S CURRENTLY A CLASS ACTION LAW SUIT BEING FILED FOR DISCRIMINATION for banks closing customers checking/saving accounts withno notice. BOFA reported me to early warning credit as abuse ( with no documentation of FRAUD! 

I'm currently CAN NOT open a normal bank account due to being XXXX discriminated by XXXX and Bank of America : I will SUBMITTED a separated compliant with XXXX : No verbal nor written reason for the closed account received : however they reported this to early credit warning as FRAUD : this is very misleading and a discriminating process as well as preventing me from opening up a bank account : I HAVE ATTACHED A FEW STATES AND THE EARLY WARNING FILE : BOFA AND XXXX HAS FALSE INFO REPORTED, I HAVE THE FULL DETAILS FOR BOFA AS WELL. 

ACCOUNT FOR BOFA # XXXX XX/XX/2020 CLOSED Account # : XXXXComplaint NumberXXXX FILE XXXX CLOSED XX/XX/2020 EARLY WARNING REPORT FROM BOFA STATED FRAUD : I HAD A DISPUTE # 1 RELATED TO A SPORTS TEAM FEE ( I Decided to not allow my son to play on a basketball team and tried to cancel the fee ( but the team portal did not have an option ) months past and BofA sided with the other side ( even though my son never played on the team ) may AAU TEAMS Have issues like mine ) paper tail attached : REF : Bank Routing # : XXXX Account # : XXXX Compromised my son 's account : # 2 MY SON 'S WAS XXXX OLD AT THE TIME AS HIS ACCOUNT DEBT CARD WAS STOLEN AND SOMEONE WROTE A BAD CHECK : ATTACHED Name : XXXX XXXX XXXX SSN/Tax ID # : XXXXPhone : XXXX Address : XXXX XXXX XXXX, XXXX, GA XXXX USAID # : XXXX ID Type : Driver 's License/USA ID State : GA Alt ( I DO HAVE A COPY OF THE CHECK THAT I CAN ATTACH AT A LATER DATE ) ID State : GADate of Birth : XXXXBank Routing # : XXXX Account # : XXXX Account Type : Joint signerIncident Date : XXXXPrincipal Loss : {$0.00} Fee Reversal : {$0.00} Combined Loss & Fee Reversal : $ XXXXPaid/UnPaid/Settled : UnpaidContribution Reason : " Checking Account FraudC ''

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 2018-02-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I spoke with USAA last week and told them as soon as my loan mortgage loan closed. I would pay this XXXX CC off in full. This card is mine ands opened several years before I got married. Even though I told them about the pay off they called my husband who has nothing to do with this card .His name is not on the account nor is he a authorized user. My privacy has been violated by USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX and XXXX of 2022 an unknown individual or individuals hacked my PayPal account and sent XXXX obviously fake people money totaling {$5200.00}. The money was withdrawn from my XXXX checking account, and my XXXX XXXX XXXX account. All of these transactions were in CAD and were for either {$100.00} CAD ( {$83.00} USD ) or {$100.00} CAD ( {$86.00} USD ). In addition, all had a note attached that said " Good Morning ''. The email address and names are patently fake and have no correlation to one another. I filed a police report. Both XXXX and XXXX XXXX reversed the transactions. 

PayPal reversed most transactions, except for {$1000.00} which they denied claiming the fit my prior transactions which is absurd as all the transactions were the same. In addition, I do not send private individuals money using PayPal. I use PayPal to purchase car parts for my business and personal car collection. PayPal has locked my account and continued to attempt to withdraw funds until I put a stop payment on them. Now PayPal is sending me collection notices for the {$1000.00}. In addition, I can not use my PayPal credit account.

I sent emails to several of PayPal 's executives with no response and also mailed a demand letter. I have appealed their " de
cision '' with no success.

PayPal has a long history of this behavior and of scamming thousands of consumers out of tens of thousands if not millions of dollars. In addition, their Terms of Use limits class action suits and forces consumers into arbitration. I demand that the Consumer Financial Protection Bureau put a stop to this predatory, unethical company as this has gone on long enough.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-24
Company: KEYCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Early this year, I received a credit card, which I thought was attached to an existing KeyBank joint checking account. I activated the card and charged {$4.00} at XXXX XXXX. All cards associated with our accounts at KeyBank are paid, in full, on line and on time. In XXXX, I received a letter, indicating " the minimum amount due '' was not paid. I spoke with customer service representative, XXXX  ( ref XXXX ), who told me this is an unsecured credit card, not associated with my personal checking account. As I had not requested such a card, I asked that the card be cancelled and the account closed. I asked him to remove the late fee, as I never received a statement. He said it was an " on line '' process. I asked where this account exists on line, as this card is not showing when I log onto the KeyBank site. I asked for a paper statement so I could pay the {$4.00} owed. I received a letter about a past due account instead. I called customer service again today and was told by XXXX that the call with XXXX was " not properly closed '' so, although the account was closed, no statement was sent and I could get the information on line. I asked if she could tell me how to access this, she said she could not and transferred me to another representative. The call was dropped after our initial introduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE SEVERAL INQUIRES I HAVE NO KNOWLEDGE OF. I DONT HAVE A CLOSE OR OPEN ACCOUNT WITH THEM AND DID NOT REQUEST CREDIT FROM THEM. WHEN I CONTACTED EQUIFAX THEY DID NOTHING, TOLD ME THEY COULD NOT DISPUTE THEM. THEY DIRECTED ME THE CREDITOR AND I HAVE SENT THEM LETTERS WITH NO REPLIES BACK. NON OF THE CREDIT BUREAU CENTERS WANT TO HELP OR REVIEW. XXXX XXXX XX/XX/XXXX5 ANDXX/XX/XXXX  XX/XX/XXXX  XX/XX/XXXXXXXX XXXX, XXXX. XX/XX/XXXXXXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXXI XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX  XX/XX/XXXX    XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX CXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXL  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: TCF NATIONAL BANK
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I acquired a loan thru Gateway One Lending & Finance, a TCF Bank Company approx. 3 years ago thru a application at a car dealership for the purchase of a used vehicle. I have contacted Gateway numerous times ( in writing and verbally ) explaining that I work at a Healthcare facility and do not want to be contacted while at work. I have explained they are able to contact me via my cell phone, usps mail or via email. I sent a email on XX/XX/21 telling them they are not to contact at work. They email was received and responded to by a Gateway One representative. This company continues to use illegal and underhanded collection techniques and in the past have contact friends and family. I would like to file a formal compliant against this company and their continued illegal practices.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-13
Company: CAINE & WEINER COMPANY, INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
1. Caine & Weiner has been harassing me by phone, text and email. 
2. Caine & Weiner is attempting to collect on an alleged debt that is not my obligation. 
3. Caine & Weiner DID NOT provide to me the notice of debt contents within five days after initial communication with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: DriveTime
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/XXXX, 2017, I purchased a used vehicle from DriveTime. Unfortunately, after driving off of the lot, my cousin wrecked into the back with the other car. However, I was covered through my insurance and Gap on the dealer 's end, but the financial summary is not matching up to what they are saying. The car was quoted to be valued a little under 10k. I put XXXX down, but financed the remaining amount of XXXX. The loan included warranty, gps services, and maintenance service. None of which I was able to take advantage of since I had the car for only 20 minutes. My insurance is paying over 7k to cover the majority of the remaining balance and Gap will cover the rest. However, as I pointed out to the dealership, the money I paid towards the entire loan should have included many of the services I did not receive. My insurance company also agrees and advised that the dealer should reimburse me for a portion of these expenses. They have even taken a car payment from the bank they go through, which XXXX, a loan agency hired by DriveTime is behind a some of this financing arrangement. The dealership us refusing to cooperate and was extremely rude. I am left with nothing and am hoping you can 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 2020-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX reported a late afternoon payment for XXXX but I made a payment in 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 2022-04-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX XXXXXXXX {$530.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX {$29000.00} Date opened XX/XX/XXXX XXXX XXXX {$1900.00} Date Opened : XX/XX/XXXX XXXX XXXX {$5100.00} XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$430.00} Date Opened : XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$11000.00} Date Opened : XX/XX/XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
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: Information belongs to someone else

Complaint:
Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX XXXXXXXX {$530.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$29000.00} Date opened XX/XX/XXXX XXXX XXXX {$1900.00} Date Opened : XX/XX/XXXX XXXX XXXX {$5100.00} XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$430.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$11000.00} Date Opened : XX/XX/XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX Jpmcb XXXX Jpmcb Unauthorized hard pull on business account, failure to disclose.

Company response to consumer: Closed with explanation