BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-24
Company: WELLS FARGO & COMPANY
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:
On XX/XX/2022 I purchased a XXXX  XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, XXXX At the time of my purchase I already had financing to purchase and without my consent the Sales Manager requested financing, resulting in a hard pull to my XXXX score, with seven institutions that I did not authorize to do so. This was after the conversation between myself and the sales person advising of the financing I already obtained for the purchase of the car. Regrettably, it wasnt until the next morning that I was made aware by XXXX and the other credit reporting systems I use of the inquiries made by Wells Fargo, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX making hard pulls to my credit the previous day. I followed up with XXXX XXXX and they provided me with a letter stating that the inquiries we not accurate and should be removed from my report due to their error. I submitted a request to XXXX through the online website to dispute and less than 24 hours they stated it was accurate and would leave them on my credit report for 2 years. No proper investigation was done nor was I asked or able to provide the documentation to support my request to have those inquiries removed. Today, XX/XX/2022 I called into XXXX to resolve the issue and instead of being assisted I was transferred back to the automated message at the start of the call. Prior to me being transferred back, the representative advised Id speak to a supervisor and that 3 of the companies had retracted their pull. However their report states otherwise. I requested documentation to show proof of those inquiries being deleted and the representative refused to comply.

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 2019-05-07
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
See attached XXXX XXXX XXXX-XXXX-XXXX ( landlord who claimed a failure to pay the XXXX, and you can see the amount going into his bank account and out of mine on the attached. I test XXXX this situation and got no response. 

XXXX XXXX XXXX-XXXX x XXXX I believe they ran my credit again 2-3 months ago without consent and then decided to ask me to leave in 60 days The equity group - denied me a rental and didn't allow me the time to dispute the item and will not return my emails requesting the opportunity to do so. I am sending her the same stuff as attached as well as XXXX XXXX. 
XXXX XXXX Attachments Thu, XX/XX/XXXX, XXXX XXXX ( 4 days ago ) to me XXXX, I have attached a copy of your credit report. We use Experian. I m sorry your application has been denied due to that eviction on your report. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P. ( XXXX ) XXXX-XXXX x XXXX 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 2018-01-15
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I am on the Federal do not call list. However the Compamy Oportun calls me several times a day for the last several weeks, despite requests to not call. I just hang up on them now. I have lived at my residence for more than 15 years. Now they have resorted to mailing Loan offers to people who do not live at my residence nor do I know them. 

The following two invitations using my address were mailed on the same day. 

Invitation # XXXX adddressed to a XXXX XXXX Invitation # XXXX addressed to a XXXX XXXX XXXX This is encouraging identity theft creating profiles for people who do not live at this address. When I called to complain they said they received this information from credit Bureaus. That I am pretty sure may be a lie, this information was given to me by XXXX XXXX who represented he was the Supervisor. I called back and spoke to XXXX XXXX and filed a report again the Report # he gave me is XXXX The interest rates offered on these loans is an APR of 44 %, and 49 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 XXXX XXXX XXXX XXXXXXXX has violated my rights.

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

15 U.S.C 1681 section 604 A. 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 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 2023-03-02
Company: JPMORGAN CHASE & CO.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I received an email from my bank that a phone number was removed from my checking account. And there was a new phone number added instead, giving them access to transfer funds out of my account through XXXX which my bank uses. 
I didnt authorize any of these things. 


This is the person or persons who were trying to hack my account, this is their phone number that was added : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-30
Company: Capio Partners, LLC
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: Was not notified of investigation status or results

Complaint:
on XX/XX/XXXX had physician services from XXXX XXXX XXXX XXXX XXXX under XXXX XXXX XXXX. 
Recently, a amount of {$62.00} was reporter to my credit as non paid debt. 
On XXXX called the XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Fl . The representative confirmed that they Did not do a Negative credit report on this account. and that the account was sent back to XXXX XXXX on XXXX XXXX. 
On XX/XX/XXXX - XXXX XXXX confirmed that the debt has been sent to?? Cappio Partners Llc.Phone XXXX. Cappio Partners confirmed that the debt is administered by AC Asset Care of XXXX TX. ( phone XXXX ) and that this debt was reported to the credit agencies. NON-paid. 
I did requested a statement of this debt and have it send to my new address. I have received the statement dated XX/XX/XXXX. 
I need CFPB support to have my Credit report Cleared of this debt. Once my credit report is cleared of this debt I will pay the due balance of $ XXXX. This will ensure that the debt is cleared from my credit report thus avoiding delays if the payment is done beforehand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
LATE PAYMENT DISPUTE They're late payments reporting to my consumer report that are damaging my report. 

According to 15 US Code 1681a - " Definitions ; rules of construction '' ( Exclusions ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; There should be NO late payments reporting as that is considered a transaction or experience. 

Under this Code you are in VIOLATION and if not removed will be fined {$1000.00} per late payment violation via Arbitration. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-03-02
Company: CREDIT ACCEPTANCE CORPORATION
State: VT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Credit Acceptance corporation Was very deceitful in the agents portrayal of deferring of auto payments saying that the deferred payments would be added to the End of the loan and extension of the payoff dates. 

Soon after the deferring of auto loans ( 2 ) that I have they demanded the entire deferred balance ( nearly 6 months for 2 cars approx XXXX $ ) in addition to the standard monthly payments! 
That's NOT a deferral that's simply deceitful and literally lying. 
So when continuing payments they have for nearly 3 years considered my payments behind 6 months on my credit report. 
Also Credit Acceptance Corporations debt and calling the customers collection program is absolutely non stop. I get collection calls BEFORE XXXX XXXX AND AFTER XXXX XXXX often and holidays and weekends some weeks I have received nearly XXXX calls! More than several per day. 
Please take some action against this company!

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 2019-05-07
Company: CITIBANK, N.A.
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:
Around XX/XX/2019 - CitiBank closed my 2 personal cards. No explanation was given -- I was told to contact them in writing over the phone and no further assistance was provided. I have paid my balances on time the entire length of my history with them. This is evident in my credit report and high credit score.

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 2019-05-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have no idea. I just do not have any business with these people. This debt collection just appeared on my credit report a few days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, I ran 2 of my free annual credit reports. One with TransUnion ( TU ), and one with XXXX There were 2 derogatory accounts that came up on my credit reports. I sent electronic disputes to both credit bureau companies, stating these are not my accounts. And that I have a son with the same name. TransUnion 's investigation has come back XX/XX/XXXX, stating one account has been deleted, and the other account, XXXX XXXX came back " verified as accurate ''. This is not my account. It is my son 's account, who has the same name. I have a consumer statement on all 3 credit bureau companies that has been on there for years, since my son became an adult, stating I have a son with the same name and to always verify us by SS #, and Date of Birth ( DOB ), before extending any new credit, or putting any derogatory information on my credit report. Even though this consumer statement has been on my credit reports for years, these same problems continue to happen where I have to dispute accounts that belong to my son, that ends up on my credit report over and over. Usually, the derogatory accounts are removed by the credit bureau companies, once I file a dispute, however TRANSUNION has stated, after their investigation that this one account with XXXX XXXX is " verified as accurate '', and remains on my credit report. This is an error, it is wrong, and not accurate. If TransUnion had requested XXXX XXXX to provide proof of SS # & DOB, as well as a Promissory Note with a signature, they will find that this is not my account. My son did live at my address, off and on until XX/XX/XXXX. Therefore, the facts are we have the same name and have also had the same address only. I have done all I can do, to my knowledge to keep this from continuing to happen, wrong information being put on my credit report. It is very stressful and frustrating, and time consuming. 
I am filing a complaint against BOTH, TransUnion and the collection agency, XXXX XXXX, because, even with the alert on my credit reports, this continues to happen where my son 's derogatory credit is put on my credit report, having a negative impact on my credit and credit scores, and taking up a lot of my time trying to get it removed. Please request that TransUnion thoroughly do an investigation again, and this time, request XXXX XXXX to provide proof to show who the account belongs to such as a Promissory Note with a signature, Date of Birth ( DOB ), AND the Social Security Number. Then, they will find that the true fact, that this account is not my account, and therefore, remove it from my credit report as soon as possible. Thank 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 explanation
Consumer complaint received 2023-06-07
Company: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
XX/XX/XXXX XXXX XXXX XXXX sent me {$4000.00} on PayPal after sending PayPal limited my account and ask for verification so I uploaded it and before it was even submitted they permanently limited my account said the money held would be held 180 days then I would receive a email letting me know about withdrawing my funds. XXXX XXXX later then disputed the payment I submitted my proof to PayPal who then ruled the dispute in my favor. So the money was still in my account and was held for 180 days I received an email from PayPal on XX/XX/XXXX that my funds would be available for withdrawal on XX/XX/XXXX so after XX/XX/XXXX I contacted PayPal several times almost daily all they would tell me was no information was available they didnt know when I could get my funds so I filed a complaint with consumer finance after filing one with the XXXX and they told them theyd get in touch with me to handle the situation but nothing was ever done. The money still in my PayPal almost a month later I filed my first complaint with consumer finance it still stayed in my account until almost a week later when PayPal reviewed the complaint that I made to consumer finance and when they reviewed the complaint they immediately took the money out of my account stating that the money had been charged back by XXXX XXXX bank but when I contacted XXXX XXXX no charge back had been filed by him or his bank. Now they are telling me PayPal revoked the money because they wanted to and have that right. I only want my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Hi, I am filing this complaint because when I switched a Citibank credit card from one type to another, I ended up loosing {$1700.00} worth of rewards points. I had in the past switched credit cards several times under Citibank, transferring the rewards points each time with no special action needed. When I converted from a Thankyou Rewards card to a cashback card, in the detailed terms and conditions, which were not prominent, there was a notice that any rewards points would have to be used within 60 days which I didn't see. With the new cashback card I received many emails from Citibank, none of which mentioned that my rewards were going to expire. When I noticed that my rewards points had disappeared, about a week after the deadline, I called and started a support case to get them restored. I never received any response, and several times was told to call back in a few days for it to be resolved. On XXXX I had a conversation with a manager that said the points could not be restored. I believe Citibank 's policy was purposely deceitful, with no notice, reminder, or warning that I would loose {$1700.00} dollars because I didn't read the fine print on their offer. The new cash back card also provides Thank You Rewards points, so it is not even a case of the new card not having that feature. 

I can provide copies of all the emails sent to me by Citibank after I converted the card, and none provided any warning or mention that the rewards points would expire. I have been a customer of Citibank for over 20 years.

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 2022-03-14
Company: U.S. Auto Sales Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX I signed a contract with U.S. Auto Sales/U.S. Auto Finance to purchase a XXXX XXXX XXXX ( vin number XXXX ), at the price of {$35000.00} including a finance charge of {$14000.00}, in addition to a down payment of {$2000.00}. 

I was not fully disclosed of all the facts of my contract before signing. I did not receive notice of my right to rescission upon signing such contract, nor was I disclosed of the fact that my down payment was included in my finance charge and that I was gifting my cash to them. 

Pursuant to 15 U.S.C 1635 ( a ) the creditor shall clearly and conspicuously disclose the facts of my right of recission, in addition to providing the proper forms, which was misrepresented by an exchange program by the creditor nor were any of the proper forms provided to exercise my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax is refusing to allow me to submit a dispute on line in an effort to keep negative information that is not mine on my report. I have tried to initiate and check the status of my dispute, and they keep advising I'm submitting personal information that does not match their records. I have submitted the same information to start my initial dispute with no problem, now all of a sudden the information I submit does not match according to them : I am trying to dispute the following accounts as they are not mine and are fraudulent. Continued placement of these accounts on my credit record is in violation of the Fair Credit Reporting Act : Equifax Report Number : XXXX 1. XXXX XXXX XXXX XXXX/Original creditor : FL XXXX XXXX 2.XXXX XXXX XXXX XXXX/Original creditor : XXXX XXXX 3 . XXXX XXXX XXXX/Original creditor : XXXX XXXX XXXX 4.XXXX XXXX   XXXX XXXX/Original Creditor : XXXX XXXX XXXX XXXX 5 . XXXX XXXX XXXX XXXX/Original creditor : FL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, TRANSUNION Bureau did not take any action to remove the incorrect information and inquiries listed below : Inquiry : XXXX  Date of inquiry XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employer : XXXX XXXX XXXX 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 2023-11-10
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
piggybacking of my last complaint where they still won't put me on standard repayment plan I've been approved for months ago, the auto debit is still pulling the graduated payment amount when it actually is pulled ( i can't add to this because it will just pay me ahead instead of pay down the principal - I'm paid ahead until XX/XX/2024 - why? i asked them in writing to distribute extra money given to highest interest, etc. [ using cfbp template and it's still not happening ] ) anyway now they told me they'd fix it, I'll pay the standard amount ( still not true ), then they applied me to an IDR plan ( that I didn't ask for ) and put me in admin forbearance ( that i also did not ask for. I am NOT having trouble paying... i can NOT do PSLF, there's no reason to be on IDR I want to pay more. ) that was background : today i go in to pay off a specific loan, since they can't seem to distribute my payments so I'll pay off the whole loan with the lowest balance. well, that loan is technically on forbearance -but tell me why it's been gaining interest this whole time? and how when I had to do the payoff amount it included TODAY 'S interest. HOW? " they aren't accruing interest '' according to mohela or dept of ed. XXXX please never pay these people ever again

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation