BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
State: NY
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX incorrectly reported me 2 months 30 day late for XXXX and XXXX XXXX. I paid 3 months in advance in XX/XX/XXXX and was told by XXXX XXXX XXXX XXXX XXXX loan was satisfied and paid in full. Fast forward to XX/XX/XXXX, and I was shocked that my credit score dropped by XXXX XXXX when trying to purchase a new home because of the inaccurate late payments. I called XXXX XXXX XXXX and was told that 2 payments were left and was I given wrong info. I made payment immediately for {$1900.00} on XX/XX/XXXX. I was told I have to deal with the credit bureaus to fix their error. I sent letters to credit bureaus on XX/XX/XXXX and got zero response and XXXX refuses to remove inaccurate late pays from my credit 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 2023-08-29
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting 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 the bureau to complain about inquiries that are on my report. I have never opened an account with them nor tried to make transactions with them. I have file a complaint to FTC with report number XXXX. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian consumer reporting agency has been reporting a unauthorized and fraudulent collection account on my credit report since 2017 without my consent or permission. The account currently has a cease and desist order against it with the company thats furnishing the information and I filed a identity theft report against them as well. This is very impartial to me because experian did not ask me if the fraudulent account was mine or one that I had opened. This account has been a thorn in my side and I have been denied credit because of it! I have mailed experian a copy of the cease and desist order and a copy of the XX/XX/XXXX report and im aware that they have to stop reporting the fraudulent information immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: EQUIFAX, INC.
State: AR
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 am writing to file a complaint regarding inaccurate items on my credit report that are still reported in despite of my previous request and kindly request your assistance in getting them to delete. The inaccurate items are negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. I would highly appreciate if you assist me to removed these fraudulent items : XXXX XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$770.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$260.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$27000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3500.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX, AR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$770.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$260.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX XXXX Balance : {$27000.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$770.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX Balance : {$27000.00} ; XXXX XXXXXXXX XXXX Balance : {$5700.00} ; XXXX XXXX  XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23
Company: EQUIFAX, INC.
State: IL
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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Consumers Alliance Processing Corporation
State: MS
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Didn't provide services promised

Complaint:
I hired consumerslliance processing Corp. to. I made XXXX payment from last year up until I got a XXXX loan to pay all my credit cards bills in the contract.There is still negative remarks on my credit report, I've sent them all this information to date no response.XXXX  XXXX client service and XXXX creditor contact

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Maximus Education, LLC dba Aidvantage
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Calling the company Aidvantage about the account login being XXXX. They will not unlock the account. I spent XXXX hours on hold to unlock the account for my mother so we could setup payments that were about to restart. My mother is elderly and can not sit on the phone for XXXX hours nor can I go and sit at her house for XXXX hours because I have to work so i can pay my loans. The loans are under my name anyway and her name. This is unrealistic requirement for a working person that is trying to may payments on their loans like I have been doing for the last 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: ALLY FINANCIAL INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since my first complaint this company has continued to call and leave messages in my voice mail.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Over charging my accounts charging me way more than they should

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 2018-01-22
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 information incorrect

Complaint:
I sold my home XXXX/XXXX/XXXX. XXXX XXXX XXXX XXXX XXXX reported that my account was 90 days past due. Due to hurricane Irma XXXX XXXX XXXX put me into a temporary 3 month forbearance which allowed me not to make payments from XXXX. 
The payments were not to resume until XXXX XXXX however my home was sold by then. I spoke to XXXX XXXX XXXX, Transunion, XXXX and XXXX regarding this matter and none of them have resolved this issue. I am trying to purchase another home and this is making that process impossible.

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 2023-06-08
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I filed a complaint against this company once before I asked that the company send me an itemized bill and verify of the cost of the service of the vehicle from the auction following the repossession of the vehicle I was sent the itemized bill but no auction receipt etc to prove that the car was sold at the price the company said it was I was not contacted even though the company stated it did contact me Because I am XXXX and on fixed income and under no circumstances can I pay for the debt I requested a form 1099 C to forgive debt that is within consumer law Below is my personal monthly award letter from Social Security XXXX showing my income and that I have no means to pay this debt If I dont get the 1099 C that I requested then I will have to file bankruptcy because this debt is hindering my financial stability of providing self employment for myself and being able to seek financial assistance for that self employment establishment

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 2022-01-27
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied for a Chase Freedom Unlimited credit card in XX/XX/XXXX. One of the perks of the card was 5 % cash back on grocery purchases for one year. I was approved for the card and when I received the card it did not include any information regarding the 5 % cash back on grocery purchases, so I called Customer Service. The Customer Service Representative assured that I would be receiving the 5 % cash back on grocery purchases, so I was satisfied at that point. 

When I received my first statement ( Opening/Closing Date XX/XX/XXXX - XX/XX/XXXX ) it listed 10 grocery purchases totaling {$170.00}. There was no 5 % Cash Back for Groceries listed. I called Customer Service XX/XX/XXXX. After describing everything I have said above, then a long wait on hold, the Customer Service Representative said that I did not qualify for the 5 % Cash Back on Groceries. I said that in the form that came with the card, Chase indicated my XXXXredit score was XXXX, why would I not be qualified? She did not know. Also, the promotion for the card said nothing about qualifying separately for the 5 % Cash Back on groceries. That was just one of the perks if you qualified for the card. 

I called again on XX/XX/XXXX. After describing everything, the first Customer Service Representative I spoke to transferred me to another Representative. After explaining everything again, he said the 5 % XXXX Back on groceries was not a perk on my card. 

I told that Representative that if you look at the current Chase offer for the Freedom Unlimited card ( https : //creditcards.chase.com/ ) it is the same as it was when I applied except the 5 % Cash Back is now on gas station purchases, CHASE FREEDOM UNLIMITED CREDIT CARD {$200.00} bonus plus 5 % gas station cash back offer Earn a {$200.00} bonus after you spend {$500.00} on purchases in the first 3 months from account opening. And earn 5 % cash back on gas station purchases on up to {$6000.00} spent in the first year. 
Earn 1.5 % cash back on all other purchases No Annual Fee He did not change his position and he said that he was the last person I could talk to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2017 my Chase bank account had online fraud most likely from my laptop computer. The amount was {$1300.00}, which was the exact amount I had left In my account. They were able to transfer the full amount of money that I had left in my account to a bank called XXXX. About two weeks later I was able to get my money back from Chase, after going through the claims process after they believed someone was able to hack my online banking information. 

Yesterday morning I woke up and Chase had taken the full amount from me again. After sitting on the phone with Chase for over three hours, they first lied to us and said it was because of husband 's paycheck then we find out they actually have decided that they decided the fraud happened on my device and that means I am the one that sent all of my money away. When I ask who my money went to or what, all they will tell me is a credit card. I have never had a credit card! 

This is obviously online fraud and someone was able to hack into my computer, into my online checking account. But because Chase believes I did it, I am now left with no money in my account to pay my mortgage, bills, and many many other things. I have talk to every person they said I could talk to. They told me they had no more help for me and I could would just have to deal with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: CITIBANK, N.A.
State: AZ
Product: Credit reporting 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 was not able to verify certain information with the various companies and so no one was able to help me with the issues relating to my inquiries. They somehow have my file and information in their system but when I contacted them representing myself, stating I did not authorize them using my information, they were unable to 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 2023-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was scammed by a ticket broker and charged {$200.00} per ticket for XXXX tickets that have a face value of {$29.00}. Attached is the dispute letter we sent to Capital One, which details the events and circumstances of the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: EQUIFAX, INC.
State: GA
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 sent numerous of letters and supporting evidence the wrong account was removed from my report and the fraudulent account still remains

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was using the new XXXX TV Service however, the prices increased and I was currently in school full time and not working. Therefore, I canceled my subscription with XXXX and  Paypal. However, I was charged again by both companies and neither company would accept responsibility for their error. I notified XXXX XXXX XXXX Consumer Investigative Department and I believe XXXX has corrected the issue. However, PayPal keeps send me messages and still will not allow me to cancel my account. The last debit that they initiated on my account was not authorized. I have since changed bank accounts and debit cards and I am still receiving harrassing emails. 
Could someone please help me resolve this issue. If I had requested the service or used the service, I would gladly pay the fee. However, that id not the case. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-04
Company: ALLY FINANCIAL INC.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
The company has initiated a repossession of my property with no notice. The peace was broken with XXXX officers surrounding me at my house. They trespassed on private property. Speaking of property, I was unable to get out expensive tools in the amount of roughly XXXX $ due to the hostility of the tow truck driver and police.

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 2022-01-27
Company: EQUIFAX, INC.
State: AR
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:
I am submitting this complaint on my own behalf. I am submitting this complaint based on new information, regarding a past complaint against Equifax dated XX/XX/2021. Equifax stated in the previous complaint that they would send me investigation results within 60 days. ( see attachments ) The FCRA states that consumer reporting agencies have 30-45 to complete an investigation, verify or the account must be deleted. It has now been 105 days since my complaint and I still have not received anything regarding the investigation from Equifax. I called Equifax and spoke with a rep who told me to file a fraudulent identity theft report with the FTC and local law enforcement in order to have the account deleted. Equifax has broke XXXX XXXX by continuing to report inaccurate information. Trying to resolve this has caused me stress, mental anguish and headaches. I want this account removed from all consumer reports and credit files immediately and permanently or I WILL SEEK AN FCRA ATTORNEY AND FILE A LAWSUIT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX incorrectly reported me 2 months 30 day late for XXXX and XXXX XXXX. I paid 3 months in advance in XX/XX/XXXX and was told by XXXX XXXX XXXX XXXX XXXX loan was satisfied and paid in full. Fast forward to XX/XX/XXXX, and I was shocked that my credit score dropped by XXXX XXXX when trying to purchase a new home because of the inaccurate late payments. I called XXXX XXXX XXXX and was told that 2 payments were left and was I given wrong info. I made payment immediately for {$1900.00} on XX/XX/XXXX. I was told I have to deal with the credit bureaus to fix their error. I sent letters to credit bureaus on XX/XX/XXXX and got zero response and XXXX refuses to remove inaccurate late pays from my credit 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 non-monetary relief
Consumer complaint received 2023-08-29
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Hyundai finance hired XXXX XXXX XXXX who hired XXXX. XXXX to reposess my car on XX/XX/2023. They realized after XXXX hours their was incorrect info on the paperwork and returned the car with damage from being transported. 

On XX/XX/XXXX XXXX. towing fixed the damage on the car. 

I called hyundai on XXXX XXXX to see if the issue with the paperwork was fixed and how this even happened. They could not tell me and offered to terminate my lease without fines or penalties and told me it would be done approximately by Monday or Tuesday XXXX XXXX. 

I called 5 times before being able to speak with the rep handling it only to be told it would take more time and none of this could be documented in writing to ensure they would follow the new timeline promised or the stipulations verbally agreed too.

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 2022-05-30
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
EOS CCA did not send me a notice stating I had the right to dispute this alleged debt before they reporting it to the CRA 's.

Company response to consumer: Closed with explanation