BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-18
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
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: Problem with personal statement of dispute

Complaint:
Against Credit Acceptance Corporation -Account been in dispute since XX/XX/XXXX - When Purchase was made no choice on lending institution- i believe preditaory -Sold a faulty product - Surrendered the vehicle purchase as it had a motor issue I could not afford. No resolve - Car dealership out of business. Sold a product i believe with known issues. Taken advantage of - Credit report states repossession and not surrender - Account settled and paid in full XX/XX/XXXX XXXX Creditor continues to report- Non payment for repossession - and a balance due- this account is paid in full see attached - numerous phone calls to creditor and disputes. They have refused/declined to correct credit report.or promised it will be corrected and have not - creditor pulled my credit without permission XX/XX/XXXX - I made written request of mandatory arbitration per the terms of my contract. With no response. I have been disconnected on phone calls many times regarding this ( all documentation attached ). 
- I am requesting my credit report be updated at the least to reflect payment on my settlement offer= paid in full in XXXX, ( all documentation attached ) - I would like my credit report to reflect surrender and not repossession. all documentation attached - I would also like consideration in deleting this complete file considering the circumstances ( all documentation attached ) -

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 2017-04-21
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Other

Complaint:
CBNA/The Home Depot  is reporting a charged off authorized user account I was on to my credit. I am not financially responsible and this is illegal to do.

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 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2022-09-02
Company: EdFinancial Services
State: FL
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:
On Wednesday, XX/XX/XXXXXXXX XXXX, I contacted Edfinancial immediately after receiving the news of Bidens Loan Forgiveness. I saw on the XXXX XXXX XXXX website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I was a pell grant recipient and am therefore eligible for 20k in forgiveness. Throughout the pandemic I paid almost $ 10k in payments. 

It seems as though Edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, aidvantage are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and Edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at heart. 

To top it all off, my personal data ( SSN, name, etc. ) was leaked by them on XX/XX/XXXX and it took them an entire month to alert me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: GOLDMAN SACHS BANK USA
State: FL
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:
This Company named XXXX : by Goldman Sachs contacted me by email saying that I owe them money. I told them I never heard of them before, to please show me the Alledged Contract that I signed with them, because I always sign in BLUE ink. I have sent numerous letters ( which I have POSTAL ARTICLE NUMBERS to verify that I sent them letters telling them to validate this Alledged Contract ) asking for this proof of contract with two wet ink signatures, and they can't provide this for me. I need your help getting this proof for me because they purposely have harmed me, cost me higher interest rates and have cost me in POSTAL MAIL RETURN RECEIPT CARDS for proof of mailings. A LAWSUIT WILL BE FILED IN 30 DAYS UNLESS RESOLVED. 

Listed below is all the ARTICLE NUMBERS for letters sent. Please have them produce the documents sent that is attached to these numbers. 

1. ) RF XXXX XXXX 2. ) RF XXXX XXXX 3. ) XXXX 4. ) XXXX 5. ) XXXX 6. ) XXXX They will only give me the ending numbers to the card but they are two different numbers. One is ending in XXXX and the other is XXXX. 

They reported that I owe them a balance of {$2100.00}. I don't know how a company that I do not have a contract with can harm me and my family and get away with it. If this is not resolved ASAP I will contact the IRS ( audit ) and have them look into this bank also. 

We all want full disclosure and equal protection under the law. We refuse for the banks to steal our property! 

( FRAUD IN THE FACTUM, BREACH OF CONTRACT, and THAT THE ALLEGED LENDER IS NOT THE HOLDER IN DUE COURSE OF THE BORROWERS PROMISSORY NOTE ) PLEASE CFPB HELP MY FAMILY and I GET JUSTICE. If you can't do it the COURT can.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2017-08-31
Company: WELLS FARGO & COMPANY
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Student loan was purposely forced into write off, despite offers to repay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: Capital Management Services, LP
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On several dates including today XX/XX/2018 unauthorized call phone calls with falsely indicated caller IDs ( XXXX County Court House and previously XXXX County Court House ) were placed to me, both my elderly parents, 3 brothers, and a sister-in-law. Recorded voicemail messages were left on several of these unauthorized cell phone numbers by a caller 'XXXX XXXX indicating my full name, pending case 'against ' me, 'case numbers ', and wishing me 'luck '. All of these recordings have been saved. My employer was also contacted and several co-workers were given the same information trying to track me down. I have been out of work on a medical leave for a XXXX XXXX for a month. Several months ago when she did the same thing I advised her to cease and desist contact to all numbers including mine, family, employer, and any found through skip trace. I also asked who she was collecting a debt for and she answered. I then advised that a company who misleads or falsely ID 's themselves, contacts third party releasing any information true or false to them, is in violation of Federal law. She hung up on me. My elderly parents were scared for me. The other contactees understand this kind of act but it makes the illegal means no less embarrassing, humiliating, or intimidating. These calls put my employment at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX year XXXX  XXXX  PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2021-02-08
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had opened a Citi Bank business account in XXXX of 2020. I had made a deposit to open my account in starting XXXX XXXX from money I had saved. I had helped a childhood friend of mine who had applied for an SBA loan by allowing him to transfer his money to my account since he was in between business accounts and had applied for the loan during Covid to get back on track, once he had opened his new account I had transferred his money directly to his account and It was maybe a week later that Citi Bank froze my account and would not give a reason, they just told me that my account was under investigation. This was XX/XX/2020. 

I had called my branch business representative for help and he told me my money should be released within a week or so and then I received a letter from Citi stating they were closing my account permanently and would not give a reason but the letter said I should receive my funds in the account within 30-60 days. I had waited 60 days and nothing and then got back in touch with the business rep at Citi along with Business customer care and their Fraud department at which time they told me my account was frozen by SBA and that they were taking {$15000.00} from my friends loan back.

We both contacted SBA directly multiple times and it was verified that this was untrue and SBA did not freeze my account nor did they ask for my friends loan back yet Citi froze my money although my friends SBA loan money was long transferred to him and utilized for his business needs. I had made so many attempts to rectify this with Citi, all the while they were sending me Bank statements saying that my account was open with {$15000.00} in it until last week when I received a letter stating that my account had a XXXX balance and that Citi was now closing my account. 

My friend and I contacted SBA and they again verified that they did not take the money out of my account and did not initiate a fraud investigation in which Citi had seized my funds. They verified that my friends loan was in good standing and had even provided a date when his first payment is due. This is apparently Citi bank freezing my account even though I provided proof that my friend 's loan was valid and they now seized my funds for no reason. It is apparent Citi Bank is stealing my money and will not give me an explanation of where my Money is, they simply hang up the phone on me or usher me out of the branch telling me they will not discuss this again yet gave no explanation where my {$15000.00} is and SBA does not have it. I am XXXX years old and had saved my money for a longtime to be able to open XXXX XXXX  and they have hijacked my account without properly investigating or giving details on what and why my account was locked and where my money is now. Please Help Me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/2022 I used my American Express card for dine-in at XXXX XXXX XXXX XXXX XXXX, WA. Without prior notification, XXXX XXXX XXXX added a {$0.00} " Retail Service Tax '' when paying. This is in addition to the expected sales tax. I found out about the additional charge after swiping my card. There is no such tax called " Retail Service Tax '' in Washington State. The restaurant employees were not sure why this fee was added. There is also no posted notice of the fee. The restaurant was unwilling and unable to provide a refund, since they blamed it their payment processor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: CITIBANK, N.A.
State: WA
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XXXX, XX/XX/XXXX add a hard inquiry on my credit report per XX/XX/XXXX. On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit report per XX/XX/XXXX On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit report per XX/XX/XXXX. On XXXX XXXX, XXXX, CBNA add a hard inquiry on my credit report per XX/XX/XXXX 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Account sent to collections when i already had a payment plan in place paid off in full still was placed on my credit report as delinquent

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 2022-09-02
Company: PENTAGON FEDERAL CREDIT UNION
State: NV
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:
To Whom it May Concern, I got a credit report and I think it's wrong. I was told I have a right to have a investigation done. Credit reporting laws ensure the bureaus only report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. Remove the late payments and correctly report the payments on my credit file. 

Please provide me with the following items : *Pay off disclosure *Interest rate disclosure *Balance History *Payment history *Credit Insurance Validate Account targeted Pentagon Federal Platinum Rewards Account Number xxxx xxxx xxxx XXXX I respectfully ask for you guys to provide some kind of proof of these alleged items, specificially the contract, note, or other instrument bearing my signature. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
I also heard that under federal law, you have thirty ( 30 ) to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15  ) days of the completion of your investigation. 

I sent Penfed a Cease and Desist in XX/XX/2022 and they have ignored it and continued to contact me. Which is a clear violation of FCRA, FTC, CFPB and state attorneys office. It is a violation of 1000 per incident charge,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hi, I got letter from Chase on XX/XX/XXXX that they decided to end their relationship with me and they are shutting down my account on XX/XX/XXXX. I tried calling them and they don't want to do anything about it. I opened this account for my sons XXXX XXXX money and we had it since then. My son is now XXXX years old and I don't understand why Chase would shut down this savings account and why they refuse to talk to me about it to get it re-opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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