BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-05
Company: New Century Auto Sales, Inc.
State: MI
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/2020. I needed to purchase another vehicle. I was referred to Right Way Auto in XXXX Michigan. 

I signed a form to have a credit check done. When I went to get financing, within 5 minutes 10 hard pull inquiries were put on my credit report. 

I contacted the manager on duty a few days later and was told by him, " My finance manager was looking for the best deal ''. A good finance manager would have known what each of the 10 finance companies he worked with and what they required. 

I called Rightway and they told me there is no way to remove the inquires. Now my score has dropped 12 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: SUNTRUST BANKS, INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX was transferred into a SunTrust Account in XXXX XXXX, XXXX. on XX/XX/XXXX. When we realized this wire transfer had been fraudulant we immediately contacted the Sun Trust Fraud Department. They in turn put a fraud alert on the account. A recall was put in for the transfer and at XXXX on the XXXX XXXX XXXX the assistant mamager at that branch assured us all the money was still in account XXXX and a freeze had been put on the account. Someone later that morning allowed someone to walk in and withdraw {$4.00}, XXXX. SunTrust is refusing to refund this amount to us and will not turn over subpoenaed security tapes of the withdrawal to the XXXX XXXX police department citing client privacy rights. After meeting with XXXX XXXX, branch manager at XXXX XXXX XXXX XXXX in XXXX XXXX she confirmed proper protocol was not followed in checking ID and confirming business of XXXX XXXX XXXX with XXXX. She agreed they owed us this money. When we were contacted by XXXX XXXX from the Sun Trust Fraud Department. He said we should be happy to get anything back and to get a lawyer. We feel due diligence was not done when an account was opened a wire money of XXXX, XXXX was put in a withdrawal made and in less than 24 hours the account was closed. Something was not right here at Sun Trust and we are out the money.

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 2021-07-19
Company: Radius Global Solutions LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a fraudulent debt. 

I have never done business with Radius Global Solutions and I do not owe them anything. 

My identity was stolen and this collection service continuously and fraudulently marks this activity on my credit report. This collection agency of bottom feeders needs to be shut down for the incorrect information that they report to the credit bureaus.

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 2021-07-19
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I purchased a ladder online and paid using PayPal.The seller provided falsified tracking information indicating that I had received the item ( the ladder weighs approx. XXXX lbs. and the tracking information indicated that what was delivered weighed XXXX lbs. ) and PayPal took no further action saying that the item was received. Falsified tracking seller provided as evidence is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a used XXXX XXXX from XXXX XXXX in XXXX XXXX South Carolina on XX/XX/2019 with an extended warranty. Two days after purchasing the car an electrical error caused my E-brake to malfunction and destroy my rear brake assembly. XXXX XXXX was kind enough to repair it for me but left me with no car for over a week. The day I got it back I noticed a horrible noise coming from the front end turns out the axel and tie rods were broken. When I reached out to XXXX XXXX they told me they knew but it is not there problem and now ups have to wait 30 days for my warranty to be active to fix this ( which was a lie ). Turns out this was a problem the car had before it was even sold to me. I found this information out when I brought it into XXXX on XXXX highway and they told me they already had records of this issue from the previous owner. Well after having this repaired a week later I hear more noise coming from the front finally get it into XXXX to find out another unknown error caused my front end braking assembly to get destroyed due to the brakes seizing up. my warranty which was Supposed to cover all things that make the car move forward doesnt cover this so no I have to spend an additional XXXX dollars again. When I asked to cancel the warranty as they wont cover these issues I am told it is not under my name but my co-signers name and I have no say.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: Army and Air Force Exchange Service
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 status incorrect

Complaint:
After contacting XXXX  credit to dispute Military Star account, that was in good standing since XXXX and paid of in XXXX of XXXX, XXXX updated the dispute and made is worse. Now my report shows delinquent account payments from XXXX until XX/XX/XXXX, when I disputed it. The account has been closed and paid in full with good standing, on time payments since XXXX. It was officially closed and paid fully by XX/XX/XXXX. This was done in this manner, so I could purchase my first home with no outstanding debts. I closed on my home XX/XX/XXXX. There should be no negative comments from Military Star since 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 2018-06-13
Company: United Compliance Services, LLC
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called the debt collector asking for their mailing address to send payment. They not only refused, but insulted the way I was talking to them ( accused me of talking in a monotone voice ). The debt collector, XXXX XXXX, said " I sound like a serial killer '', which I am not. I owe them the money, but this debt collector can not disrespect me on the phone. Their phone number is XXXX. This is not acceptable, to me.

Company response to consumer: Untimely response
Consumer complaint received 2018-12-26
Company: Thaxton Investment Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
XX/XX/2018 : Was called from XXXX XXXX XXXX and left a message regarding my friend , XXXX XXXX, asking me to call back. 

XX/XX/2018 : Was called from same phone number and a message left, with unintelligible name ( of caller ) and a reference again to XXXX XXXX. Time of phone call was before XXXX XXXX. This call woke us up. 

XX/XX/2018 : Was called at XXXX XXXX. Again, woken up by the phone call. Picked up phone and began to speak to the caller. After repeated requests to repeat and speak slowly, was able to get the caller to clearly pronounce the last name of my friend, XXXX XXXX. When asked for the caller 's name to be provided, so that I could understand who I was speaking with, caller hung up phone. 

XXXX XXXX XXXX is connected to XXXX XXXX XXXX in XXXX TX. 

I am being harassed by this debt collector. I have no relationship or debts with them. Their debt is with XXXX XXXX, not with me or anyone else at this location in California.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
As a tax paying American, I am angry and disgusted that Bank of America, after accepting billions of tax dollars which helped bail them out after the banks reckless business practices brought their company and the U.S. economy to the brink of disaster, that they are attempting to control public policy by limiting loans and services to pro-firearm individuals and companies. This is revolting and disgraceful behavior and a stop needs to be put to Bank of America and any other company who received Federal assistance and attempts to dictate public policy. What ever happened to free enterprise?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: CREDIT ACCEPTANCE CORPORATION
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:
There is a balance of {$110.00} showing This is incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
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: Account information incorrect

Complaint:
I paid off car but company still showing late for month I paid car off. Its keep affecting me using my credit to buy a house or refinance my new car. I have called company multiple times for they can fix it and it has not been done even now and car was paid in XX/XX/2020 its XX/XX/2020 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 2018-04-29
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH Both made unauthorized inquires on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Transunion credit bureau keeps Showing a open account with XXXX which was paid in Full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my 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 2020-08-20
Company: AMERICAN EXPRESS COMPANY
State: MI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged {$2000.00} by XXXX on XX/XX/XXXX. They canceled my flight in XX/XX/XXXX, but never issued me a refund. I made several attempts to contact XXXX to request a credit back to my American Express card, and they never submitted the refund. When no refund was issued, I disputed the charge with American Express, along with the documentation supporting the fact that XXXX  failed by canceling my flight and therefore, I expected to be refunded for the flight that they canceled. American Express initially issued me a credit, but then later charged my account back {$2000.00} for a flight that I never took.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have had so many issues with EQUIFAX that I have sued in court and I have a court date on XXXX concerning the myriad of issues. I am now complaing how EQUIFAX reports my information to potential loan creditors. I recently applied to XXXX for a loan. Despite having a score of XXXX. I was turned down EQUIFAX reported that I have delinquencies and inquiries. The inquiries in question are for myself shopping around for a mortgage refinance. Therefore this should not have been reported as such. Inquiries such as this are viewed as 1 inquiry. In addition on my EQUIFAX report they have some of the same inquiries twice. 
They have reported that I have delinquencies. I have none. 
EQUIFAX has people who work for them who are changing information in peoples credit reports for retaliation. They are Doing this at the behest of persons in different lodges and communities. They are letting people sabotage peoples lives by tampering with the report. EQUIFAX employees has changed the birthdate on reports or added delinquent accounts back on after they have been deleted. My Birthdate was changed, after no issues in my entire life with EQUIFAX. They refused to change it until I got help from the CFPB. There is no way that someone birthdate should be changed after many years unless it is foul play. 
EQUIFAX continuously causes me to be turned down for credit despite the fact that my score is XXXX and I was recently approved for a XXXX car loan by XXXX XXXX XXXX XXXX. I cant even get a XXXX $ loan because EQUIFAX reports severe delinquency even though this is not true. 
I am asking again to investigate why this us happens

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
ftc violation 
XXXX XXXX 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 explanation
Consumer complaint received 2021-09-03
Company: EQUIFAX, INC.
State: NY
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:
There are many errors published on my credit reports. Apart from my name being misspelled many different ways, there are also accounts on my report I have no recollection of. I have been sending validation request letters to all 3 bureaus ( XXXX XXXX and Equifax ) since XX/XX/2021 and have not yet received any responses thus far- some of which were certified letters. I have also sent letters on the following dates : XX/XX/2021, XX/XX/2021 and XX/XX/2021. According to what I've read about the FCRA, I have the legal right to dispute any inaccurate information on my credit report and by law the bureaus are obliged to provide me with validation of the reported accounts in question or remove them from my reports. These negative accounts are affecting my chances of being approved for a mortgage in the near future. I have been working very hard as a XXXX  to save up and provide for my family and without good credit I am finding it difficult to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: FC HoldCo LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Flagship is reporting to XXXX XXXX, XXXX  and XXXX, I XXXX days late for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. While logged into my XXXX account it clearly shows no late payment for any on the month except XXXX and I have submitted to them the canceled check they cashed from my bank. I also have XX/XX/XXXX and XX/XX/XXXX payments to support all my payments to XXXX but yet they still refuse to remove the in correct information from my credit report. I will be happy yo email my proof of payments to you to support my dispute at request.

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 2018-02-09
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I asked my mortgage company for a modification. They did not grant one.  However, they added an escrow account to my loan account. My property taxes are current and have never been in default. And, after more than 11 years into my mortgage, the company initiated an escrow account to pay for taxes that I have been solely responsible for and paid since the inception of my mortgage. I have more than 40 % equity in my home. My down payment was over 20 % so that I avoided both PMI and an escrow account. Can my mortgage company force me into paying an escrow account after 11 years?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: Exeter Finance Corp.
State: TX
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 took out a loan w exeter finance thru a new car dealer - I paid XXXX XXXX in finance fees - I paid 3 payments - before schedule- I went in hospital with XXXX- XXXX XX/XX/XXXX XXXX I thought the loan was auto pay - it was not In XX/XX/XXXX - my car was broken into through front and damage was XXXX - my insurance - XXXX sent me a check made to exeter finance and myself - I called exeter and explained-I asked to endorse check and send to exeter and said apply 2 payments - XXXX per mo x 2 from check - apply coverage to acct or send to me - exeter agreed and I said I'd XXXX to them - I did and it was received next day - I called and they said they did receive- Now there saying they would return check to me - but held the check - saying they need repair bill - per my attorney XXXX XXXX- she sent them demand letter to return check or apply to my acct - Exeter reported to the credit bureau late payments twice causing my score to drop 100 points and my credit cards interest to 22 % Costing XXXX est - They sent me a letter saying they reported correctly- Exeter is defrauding me - lying to me - On a recorded line they said they would apply to my acct - I paid XXXX XXXX Now ruined my credit by fraudulently reported inaccurate to all 3 bureaus There still holding my check from XXXX XXXX says they will see if they can issue new check- supervisor checking Not the 1st time w Exeter issue XXXX replied Cfpb has numerous complaints on exeter concerning fraud - I want the payments applied to account or check returned I sent in additional payment XX/XX/2020 I want my credit corrected or I'll sue exeter For false pretence and verbal fraud of financial instrument -

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Greetings : I recently, as of XX/XX/XXXX, attempted to apply for a credit card to XXXX XXXX Store via Synchrony Bank and received a negative reply. I previously had problems with Synchrony Bank via PayPal Credit just after the election in XX/XX/XXXX when it was alleged that I was committing fraudulent charges via that credit account I submit that an inaccurate statement had been alleged at that time and continues to impact me in an negative way even via my credit information through XXXX which has incorrect credit information listed about me detailing little to no credit history at all which does not match up with the other two credit bureaus.

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 2021-09-03
Company: Experian Information Solutions Inc.
State: NY
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:
There are many errors published on my credit reports. Apart from my name being misspelled many different ways, there are also accounts on my report I have no recollection of. I have been sending validation request letters to all 3 bureaus ( XXXX, Experian and XXXX  ) since XX/XX/2021 and have not yet received any responses thus far- some of which were certified letters. I have also sent letters on the following dates : XX/XX/2021, XX/XX/2021 and XX/XX/2021. According to what I've read about the FCRA, I have the legal right to dispute any inaccurate information on my credit report and by law the bureaus are obliged to provide me with validation of the reported accounts in question or remove them from my reports. These negative accounts are affecting my chances of being approved for a mortgage in the near future. I have been working very hard as a XXXX  to save up and provide for my family and without good credit I am finding it difficult to do that.

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