BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-15
Company: CREDIT ACCEPTANCE CORPORATION
State: MN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My first issue is with XXXX  ( XXXX  XXXX  Card ) I opened a card XX/XX/XXXX. I made my payments on XXXX-XXXX  for XXXX, XX/XX/XXXX for XXXX and XX/XX/XXXX. 
I went to use my card at XXXX and it didnt work. I tried to call XXXX but was referred to a collection agency XXXX. At that point XXXX would not take my calls. I HAD to talk to the collection agency. I was horrified to find out that NONE of my payments were credited. I made my payments over the phone and received confirmation numbers. I WAS NOT NOTIFIED that my payments were not crediting. The collection agency told me that for the XXXX payment my account was frozen and the first 2 payments didnt credit because I didnt call my bank to give them a heads up? What? 
That conversation was XXXX at XXXX am. 
The first person I spoke with told me that they dont take pre-paid debit cards. Again, no notice My second issue is with Credit Acceptance and my car payment. I had automatic withdrawals from my checking account set up and this last payment for XXXX was supposed to come out on XX/XX/XXXX ( due date is XXXX ) I was told that if I could set up my payments for the XXXX  and I would not be making late payments. Then I call them because my paycheck does not go into my account until 4-5pm and I was told that not only would I have a 30 day late on my credit but every single payment I have made has been late! I am devastated. I have been working with XXXX XXXX XXXX since last year and they successfully brought my score up and in a matter of 10 days my credit score has dropped 97 points. I need help! These companies could care less. I cant even reach XXXX  at all, just the collection agency.

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 2020-12-18
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I contact Comenity Capital Bank several times requesting financial assistance due to Covid19 unemployment. On XXXX XXXX, I requested payment assistance and a waiver of interest. Instead of assisting me during a financial crisis, the bank sent me a reply email stating the following : " Thank you for your recent inquiry. Attached you will find the documentation you have requested. Please review and if you have any questions you may respond directly to this email ''. This letter informed me that rather than offering me deferred payments, my my credit reports were checked and my credit limit of {$4500.00} was lowered to {$300.00}, which was the amount owed on the account. 

Also note, the website indicates to contact the bank for financial assistance due to Covid19.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-08
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
I leased a XXXX Toyota Rav4. I had to pay my first lease payment when I leased the vehicle. Toyota Financial is stating they are reporting all payments to all major credit bureaus. When I got my annual  credit report this year, I noticed my first car payment was not reported on my XXXX Credit Reporting Agency. In addition to my first car lease payment was not reported on my XXXX Credit Reporting Agency. I first attempted to repair the inaccuracies with Toyota Financial Services, who  sent me a history report that shows a first payment was made of {$320.00}. In XX/XX/XXXX I disputed the inaccuracies with XXXX Credit Reporting Agency and with XXXX. I received my XXXX  Credit Report dated XX/XX/XXXX. My first lease payment is still not reflecting on my credit file, which also makes it appear as if I owe Toyota Financial more than what I owe. I am due to turn the car in on XX/XX/XXXX. My last payment is XX/XX/XXXX. All I want is my fair credit reported correctly. I made a {$320.00} payment to Toyota Financial Services on XX/XX/XXXX, yet the payment is not being reflected on all major credit bureaus. XXXX placed a REMARK on my file stating DISP INVG COMP CONSUM DISAGRS. I requested a dispute, so that my first lease payment made on XX/XX/XXXX of {$320.00} would reflect correctly and accurately. Please investigate this matter thoroughly. This is an isolated incident, that may possibly constitute identity theft of some sort.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My credit report was pulled by XXXX XXXX. I was a customer ; however, they filed a judgment and the case was settled last year. They have no legitimate business purposes in accessing my report. It seems like harassment.

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 2020-02-15
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed this debt with this company ( Enchanced Recovery Company ) several times. It has been taken off over and over and placed back on my credit report. This company claims that I opened an account on XX/XX/2018, with XXXX. I do not have any accounts with XXXX. I did not open an account with XXXX. Please take this off my credit report. Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Coinbase transfer to a FRAUD SCAM Brokers : XXXX I would like to bring your attention to a serious issue I have with Coinbase wires that first took place on XXXX of XX/XX/2019. 
I have been victimized by a multilayered scam operation orchestrated by XXXX. 
The funds were transferred utilizing Coinbase 's services in the total amount of XXXX GBP! 
I would also like to point out that on XXXX of XX/XX/2019 - I filed a dispute with Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
Capital One sent a promotional email and to apply for a credit card on their website https//www.capitalone.com/credit-cards/get-my-card/ REFERENCE #  XXXX  ACCESS CODE #  XXXX  I applied and was approved on  XXXX   XXXX ,  2017 . Capital One issued my credit card and sent me a confirmation email on  XXXX   XXXX ,  2017  on  XXXX   XXXX ,  2017  I received the credit card in the mail with activation steps. When I called Capital One  XXXX  to activate Capital One said the account was closed and to reference case #  XXXX  and that they sent emails in error. Capital One has had a breach of some sort and personal information fraudulently handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: JH Portfolio Debt Equities, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested verification and validation of debt per my right under the FDCPA and this company refuses to provide this information to me. I also disputed this debt yet JH Portfolio debt Equities still reports this on my credit and has not marked as dispute which is a direct violation of the FDCPA. The last four of my ssn are XXXX and my date of birth is XX/XX/XXXX. My address is XXXX XXXX XXXX XXXX XXXX TX XXXX. I have contacted an attorney and I am aware I can seek actual and statutory damages against your company. Your also a debt buyer and i am under no legal contract to pay you. Can you also provide a bill of sale?

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 2022-03-02
Company: Advance America, Cash Advance Centers, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I paid a total amount of {$91.00} on XX/XX/XXXX at XXXX pm and another repayment of {$14.00} on XX/XX/XXXX at about XXXX pm For a total payment of XXXX. They still tried to withdraw another {$14.00} the next morning on XX/XX/XXXX. I spoke with three employees who each said I should be issued a refund due to the fact the amount was paid before the due date of XX/XX/2022. I never received any such refund. My current remaining balance should've been about {$91.00}, instead, I'm showing a remaining balance of XXXX. I will not pay another payment until this gets taken care of! I will file complaints through every government agency if I have to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: Perfection Collection
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The following derogatory items listed on my account are causing a negative mark on my credit report and they are false. They are listed as medical debts which do not belong to me or any other member of my family. 

PERFECTION COLLECTIONS XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX / {$4400.00} - XXXX/XXXX/XXXX XXXX XXXX XXXXXXXX 10 MONTHS XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX - {$3900.00} - XXXX/XXXX/XXXX XXXX XXXX XXXX 6 MONTHS XXXX XXXX, which we found to be a predatory company, offered us a monitoring service which we did not accept and we asked them several times to come and retrieve their equipment, which they never did. After which we discovered these derogatory marks, which we are being told are for medical expenses, have been added to our 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 2018-12-03
Company: Flagstar Bank, N.A.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
1 ) On XX/XX/2018, after paying the Private Mortgage Insurance ( PMI ) for more than a year, I paid the new appraisal that Flagstar requests me in order to study the possibility to waive the Private Mortgage Insurance ( PMI ) 2 ) On XX/XX/2018, Flagstar told me that the appraised value was insufficient to warrant a waiver of the insurance. 
3 ) On XX/XX/XXXX, after several phone conversations with the PMI Department of Flagstar, they suggest me to DISPUTE the appraisal value. 
5 ) On XX/XX/2018, I sent to Flagstar an email with all the information that they requested me in order to dispute the appraisal value, in order to waive the Private Mortgage Insurance. ( including at least five Comparable houses sold in the last six months ) 6 ) On XX/XX/2018, after three weeks without a response, I sent a follow-up email to Flagstar. I did not receive any response 7 ) On XX/XX/2018, I spoke by phone with their PMI Department, and they assured me that I would get an answer on XX/XX/2018. They gave me the Case Number : XXXX, but I never heard back from them. 
8 ) On XX/XX/2018, I spoke with Mr. XXXX XXXX, Home Leading Area Manager of Flagstar, and I sent to him a new email. He sent me on XX/XX/2018, an email where he very kindly let me know that he escalated my case " through his management chain '' 9 ) On XX/XX/2018, I called Flagstar again and someone from the PMI Department told me that my case has not been yet resolved and that I have to wait for 3 to 4 weeks more for an answer ... 
10 ) On XX/XX/2018 I wrote an email to the Office of the President ( Flagstar ) asking for his collaboration in this case. 
11 ) On XX/XX/2018, I received an email from The Office of the President where they told me " We look forward to providing you a response within 30 business days ''. 
10 ) Until today, after more than FIFTY-TWO ( 52 ) days since XX/XX/2018, I have not received any response. 

I am not sure how many emails, phone calls, and months this company needs to answer a request from one of your clients. I am so sorry, but I am exhausted by this absurd bureaucratic system of Flagstar, and this is why I need your help. I would appreciate very much your kind consideration and valuable help in order to resolve this situation as soon as possible.

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 2017-07-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The company is Portfolio Recovery Associates, LLC. The address is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX. I like to file a complaint on them because they are not licensed to do business in Georgia. I have been receiving this letters forever and I do not owe this bill. The date they have is XXXX XXXX, 2015 and the amount is {$510.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: JPMORGAN CHASE & CO.
State: TX
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:
Since XX/XX/XXXX I've sent more than enough docum2 to prove my identification was stolen twice, and I'm stranded from my homw state of XXXX. 

In XXXX I sent proof of established credit from XXXX before my life was threaten by this identification theft that change my name to " XXXX '' instead of XXXX which made my social security card & XXXX  id not match. 

I'm the victim of an federal offense, why do I need to fix my : Not having a fico svore from XXXX. 

My XXXX  credit file has my statment for creditors to review, not allowing my credi card to be approved after sending documents for months in an disgrace. 

I'm XXXX, because the XXXX  XXXX made an clerical error on XXXX  name & XXXX  data breach has nothing to do with me. Approve my credit before I file an federal lawsuit under the fair credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was the victim of fraud that caused a delinquent account to appear on my credit report. I corrected the issue and the fraud has been removed from my credit report. 

However, this fraud is continuing to affect my credit score, because Chase decreased all of my credit lines. For example, I had a credit line of over {$30000.00} and it has been decreased to {$5000.00}. 

This is as a result of the fraud, and I need to have that credit decrease decision that was made solely due to fraud reversed. I have never had a late payment or a delinquent account, and I have been a customer for about a decade. 

However, they have no mechanism in place to reverse their decision although they are fully aware of the fraud This is creating a feedback loop, because my high credit utilization is decreasing my credit score. But when I ask to have my credit limits re-instated so that my utilization returns to normal I am told that they refuse to do so because my utilization is too high. But it is their decision, based on fraud -- and they KNOW it to be fraud -- that has made my utilization appear so high. 

It was previously about 3 % across ALL of my credit lines. Now it is over 70 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: Experian Information Solutions Inc.
State: VA
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 called, concerning a lot of inquiries I dont recognize.. its affecting 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 2020-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Since XX/XX/XXXX I've sent more than enough docum2 to prove my identification was stolen twice, and I'm stranded from my homw state of XXXX. 

In XXXX I sent proof of established credit from XXXX before my life was threaten by this identification theft that change my name to " XXXX '' instead of XXXX which made my social security card & XXXX  id not match. 

I'm the victim of an federal offense, why do I need to fix my : Not having a fico svore from XXXX. 

My XXXX  credit file has my statment for creditors to review, not allowing my credi card to be approved after sending documents for months in an disgrace. 

I'm XXXX, because the XXXX  XXXX made an clerical error on XXXX name & XXXX data breach has nothing to do with me. Approve my credit before I file an federal lawsuit under the fair credit act.

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 2020-02-15
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Ordered a dining table XX/XX/XXXX and provided pictures of what we wanted it to look like. Top measurements were provided by merchant, not bottom. The company was supposed to provide pictures of base but did not. XXXX was supposed to be received on XX/XX/XXXX and delayed delivery multiple times. During this time the original company who was supposed to make it did not and it was given to a different company ( owner XXXX informed me of this ) We received the table on XXXX and had to send it back. The base was much larger than discussed and did not fit properly in our space. The table also had a large defect on the top and had places where it wasn't stained properly. We contacted the merchant who said she would work on providing a different base. She provided links to other bases and measurements and these were also too large. We asked for a refund and she wanted us to come in to discuss which we were unable to due to travel. She then said she'd replace a small portion ( 15 % ) of our fees which does not work for us. We do not have the table and she is withholding our refund. I contacted our bank which took the dispute but also said we should contact Consumer  Finance  as sometimes Square is viewed as just a money transfer and will not provide a refund regardless of circumstances. I also went on the Square site that does not mention this but wanted to go this route to make sure we get our money back so we can buy a dining table since we currently have nothing. Please note : the merchant did not inform me that she was using Square to take payment. She also says Terms and Conditions were given but I do not know what these Terms and Conditions were. Regardless, the complete wrong table was given to us and she will not refund us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: ALLY FINANCIAL INC.
State: IN
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:
ALLY RAN MY CREDIT 3 TIMES IN ERROR, XXXX AND XXXX IN ERROR, AUTHORIZED SOFT ONLY.

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 2017-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 XXXX RAN MY TRANSUNION TWICE IN ERROR, WAS TO BE SOFT ONLY.

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 2019-06-18
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have sent them the 609 letter requesting that they send me documentation of my contract with my signature. None of the credit agencies have responded and its been 30 days they have to show proof. I was never notified of my car being repoed.

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