BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-04
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2021 paypal locked my account with out any warming my tax refund was direct deposited into my account at XXXX for the amount of XXXX paypal has yet to release my account I spoke with three different customer support rep and all three gave different answers one even told me she didn't know why I couldn't transfer my money that the account was not limited like one of the said rep stated before I need my money I'm a single mom and my bills are due this is beyond ridiculous

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-16
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
National credit systems, i have never receive info of the debt send out letters and never got an answer, i live in tx and this company is ingeorgia? Is this legal?, try to make contact and never got an answer from them, only threats.. they said i owe money to some apartments but there is no record of this, no apartment lease renewal, or anything, i was allready living somewhere else. This is ruinning my credit they charging me {$3100.00} and never receive a proper info on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: First Financial Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees XXXX Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX bank XXXX {$2500.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Chapters View

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Lincoln Financial Services
State: CA
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:
XXXX which was what they were trying to give me for my trade in and XXXX cash which wasn't authrozied to take and monthly payments of XXXX a month now they sold me a lemon car tryed to go talk to the company and the financed company to fix the problem they didn't care was very rude telling me they wasn't going to fix I couldn't get my mom back and so on but a really bad situation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: CHARLES SCHWAB CORPORATION, THE
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
When my checking account was opened I opted out of overdraft protection. several times I have contacted the bank and found that the overdraft protection was never turned off. This summer my account went into an overdraft and there were no funds to cover it and they closed my account. had they honored my wishes and the law then my account would never have overdrafted and I would have had my transactions declined.

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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. TransUnion is required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$27000.00}

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 non-monetary relief
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-09-17
Company: JPMORGAN CHASE & CO.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, I received a letter from Chase Bank to settle an {$830.00} outstanding balance on a credit card. The settlement agreement requested either three options for payment in full one of which was two payments of {$87.00}. On XX/XX/XXXX, I made the second and last payment of {$87.00}. The debt was no longer on my credit report as a new account. I requested that my account be marked " paid as agreed. '' But they did not note my account at all. Then, I received a letter on XX/XX/XXXX, from Chase bank dated XX/XX/XXXX stating I owe a balance of {$650.00}. This account has been closed for over three years. The letter also states to settle the {$650.00} that I needed to pay {$65.00}. I made a final payment according to our agreement on XX/XX/XXXX, according to the settlement Chase bank sent me. Today, I am going to pay the {$65.00} because it is impacting my credit report. However, I believe this is egregious conduct and against the settlement. Additionally, Chase Bank keeps reporting an old closed account as if it is new on my credit report. I want them to cease and desist from sending me any more settlement agreements once they receive this last settlement payment and to stop reporting this closed, charged-off account as a new collection account. Furthermore, they need to note in my credit file that I " paid as agreed. '' I pay and then they note that I paid, and that should be the end of the debtor/creditor relationship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-25
Company: HYUNDAI CAPITAL AMERICA
State: FL
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:
2016 Hyundai leased through Hyundai Finance was involved in an accident in XX/XX/XXXX. It was declared a total loss by the insurance company, who sent a check for the total cash value of the vehicle, less a {$500.00} deductible as expected. 

All Hyundai leases include gap insurance that is advertised to cover the difference between the value of the insurance settlement and the payoff amount, including the insurance deductible up to {$1000.00}. 

XXXX XXXX XXXX offers a description of the coverage. 

I had also made the lease payment for the month of XXXX prior to the date of vehicle loss, and am expecting that to be refunded. 

I received a letter in XX/XX/XXXX with a summary indicating that I was liable for the {$500.00} deductible. I called Hyundai Finance asking for an explanation why they charged me for deductible since it is covered by their gap insurance. They said they would get back to me with an explanation. I did not receive any correspondence or calls since then and assumed it was settled. 

Today I noticed a decrease in my credit score. I pulled copies of my reports and found that Hyundai Finance had listed this lease account as closed with a {$290.00} charge off. 

The account should be credited for the {$500.00} deductible and the {$200.00} over payment refunded to me. The false charge off needs to be removed from my credit reports. 

This is the quoted referenced text from the Hyundai Finance gap insurance description : Our GAP is the best way to avoidgaps. 
If your car is totaled or stolen, it can be a devastating experience, especially if you're still making payments on it. And to make matters worse, the amount your insurance company pays in the event of a total loss may be less than the amount you still owe. This, plus your deductible, can create a significant gap between what your insurer pays and the amount you owe on your vehicle. Our Guaranteed Asset Protection ( GAP ) waives the difference between your primary insurance settlement and the outstanding balance on your vehicle 's financing, subject to terms and conditions of the program. 
GAP helps cover the difference Hyundai Protection Plan GAP protects you with these value-added benefits : Available on loan amounts up to 150 % of your vehicle 's MSRP, up to {>= $1,000,000} Covers your insurance deductible up to {$1000.00} ( not available in all states ) Waives covered losses up to {$50000.00} :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft.

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 2022-08-08
Company: CITIBANK, N.A.
State: IN
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 have made a ftc report

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I pulled my credit report and noticed several non-mailable addresses. 
To ensure I receive all mail from the United Postal Service i asked that they remove the additonal address and to send me a updated report a couple months ago and they never did 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 non-monetary relief
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed errors on my Transunion report now 3 times, twice through Transunion directly and lastly once through CFPB ( XX/XX/XXXX ). I received a response today that the account XXXX XXXX XXXX # : XXXX was verified and updated. Transunion is still reporting inaccuracies which I am attaching screenshots. The balance has now gone down from {$450.00} to {$450.00} from last month, activity date is showing to now be in XX/XX/XXXX and I have not made any payments or done anything to this account for its activity date to be updated nor the balance to change. The balance has been changing from {$450.00} to {$450.00} back and forth every month and is done in malice to cause great harm to me personally. This account has not been properly investigated or verified and I have not been furnished in how Transunion supposedly verified it. The open dates, activity dates, last active are all also inaccuracies. I believe that Transunion has had enough time to properly investigate and verify this account as I first filed a complaint with them last year on XX/XX/XXXX and sent it through certified mail. I believe at this point Transunion is acting with malice to intentionally harm me personally. I request that this account be immediately and permanently removed from my credit report as it is continuing to willfully report inaccuracies which is a violation of my rights and laws, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-11-17
Company: Experian Information Solutions 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:
I disputed an Bankruptcy on my Credit File with Experian, and the ending results they admit to violating the Fair Credit Reporting Act. The information they received was incorrect and also obtained illegally from a third party.

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 2023-04-09
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are fraudulent and I would them removed from my account immediately. These accounts is ruining my credit profile and hindering me from purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: MIDFIRST BANK
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX Midland Mortgage is who i am with have had nothing but trouble from them they have lied to me they say i am be hind i have sent them prove where i have made all my payments and have old payment books to prove but i am tiered dealing with them i cant refinance becouse they show me late or somthing is that against the law to show false creadit agaist some one? You let them try and take my house after paying 20 years on it and see what happens.I have tryed to get away from them and can not do.I am thinking about selling to some one i know for pay off and see how they like that.I think this company iare crooks i want away from them some how some way i will not take to them they get me so XXXX mad sorry.

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 2021-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Bank of America closed my account when they said there were fraud activity on my account that I have no idea about. My account were hacked and someone had power to regulated my account. I remember the next day I woke up and tried to login. My account were closed I was shocked and angry. They did not talk to me about it and not ask to verify any activity on my account. I remember one time someone tried to apply for credit card in my name. It was ridiculous

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