BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-22
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I have several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX I called in to make my car payment via phone due to having to update my banking information Checkings Account Number and  Routing .... I was speaking with a rep that was not to fluent in English and continuously kept asking her to repeat my account number back to be to ensure accuracy ; however, she would not she just kept stating she had to correct number due to her frustration. 

In turn, I was docked for being late 2 months in a row due to the bank account number not being found upon the company processing the payment ; however, I was not notified until calling in to process another payment. 

I have disputed this information via the CRAs and with the XXXX Executive Relations Department ; however, they are stating that I am responsible for the information the rep inserted even though I clearly asked her multiple time to repeat the account information back to me after multiple attempts. 

I have been a XXXX customer for almost 3 years with no lates until experiencing this issue and everytime I try to resolve the issue I am informed they will no longer investigate because the information is correct even though the error was simply due to an error with the customer service rep.

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 2017-07-13
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
XX/XX/XXXX, I was approved for an Auto Loan through my financial institution ( XXXX ). After researching vehicles, I test drove a XXXX XXXX XXXX-I liked the vehicle. To give my choice consideration, an hour or two after the test drive I went back to XXXX XXXX XXXX XXXX, XXXX IL, XXXX ( ( XXXX ) XXXX ) : to begin negotiations. <P/>I settled on a price. After a drawn out process with the salesman, I was then taken to the Finance Manager ( XXXX XXXX ) who was inappropriate and unprofessional insulting XXXX and my loyalty to them. I rejected all offers for other financing options and refused to sign the loan application he had prepared befor I sat down indicating " I had to sign it! '' I DID NOT sign nor authorize XXXX XXXX or any other auto dealer to run or prepare a loan application on my behalf. XX/XX/XXXX I received a rejection letter from XXXX XXXX regarding a loan I had applied for. Loan application # XXXX. I called XXXX XXXX but they would not give me any information other than the car dealership name regarding this issue. I was told to contact the dealer. <P/>I am sure you can understand for the safety of myself and my family ; with regard the mechanical readiness of the purchased vehicle I refuse to do so. <P/>Furthermore, I also received a credit card for an AUTO purchase with a line of {$7500.00} XXXX dollars. This offer I discovered is from a XXXX XXXX. Some how this is associated with XXXX XXXX or the value extended to this organization. <P/>I have been the victim of TAX fraud in the past ; both my banks in the past week have upgraded and increased my security measures regarding my accounts : this is an indication my information is being compromised. <P/>Please I implore you to look into this on my behalf. <P/>Your interest is greatly appreciated. -- -- - Respectfully 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 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 sent in multiple letters last XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2017-12-30
Company: Innovis
State: NJ
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:
Innovis has been told several times that the XXXX account ending in XXXX was opened fraudulently. In spite of this, the company has reinstated the account on my report. However, the credit grantor has removed this account as fraud from my report. Innovis must not report any XXXX account opened in the date of XXXX XXXX. If innovis reports another XXXX account opened in XXXX XXXX, I will sue for violation to the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I met an online Bitcoin investor/miner on XXXX ( XXXX ). He said he lived in the XXXX, was widowed, and had a son. This all happened XXXX XXXX XXXX, when bitcoin was peaking at its highest. Within a week of chatting and mentoring about bitcoin, he suddenly " got COVID. '' At this point we had built a friendship/mentorship so he asked for " my help. '' He asked for my personal information which he evidently used to gain access to my online banking. He said the personal information was required to onboard me to his business. My personal information including a picture of my ID, my social security number, account information to start investing. He started moving money around to different accounts and having checks deposited into my accounts. All the checks bounced that had been deposited so I raised concerns with the scammer, and he went ghost. Thats when I realized this whole thing was a scam. I was victim of cyber fraud and Citibank is not taking appropriate action to replace my lost funds. I have approximately lost more than {$20000.00} from this online scammer. I have provided multiple proofs of documentation including a police report ( which I can provide a copy of ), sent a email to XXXX about the scammers account being fraud. I also went ahead and filed a Federal Trade Commission Identity Threat Alert on my Social security number. I have copies, screenshots, and receipts with this online scammer that I can provide proof of. I opened a claim with Citibank for all of the fraudulent charges and they denied them.

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 2019-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
In XXXX of 2016 I signed a contract with XXXX XXXX XXXX XXXX for my account to be automatically drafted {$25.00} a month plus and taxes. I never changed bank accounts or debit cards but some how there was a problem with there system and they did not draft my account for 9 months. In the nine months no one called to inform me my account was pass due. I did not receive a phone call, letter or email informing me of the problem. In XXXX XXXX XXXX XXXX drafted my account for {$240.00} then again another {$200.00} then attempted to charge another {$90.00}. I called XXXX XXXX XXXX and asked to speak with a supervisor and I was informed one would call me the next day due to them leaving @ XXXX. Called a second time the next day still no one would let me speak with a supervisor I left a voicemail asking again for a return call. I then emailed the company still no return call. Posted a statement on there XXXX page someone told me to try to call again and I did. Still no return call. I called bank of America and informed them of what was going on and they submitted a dispute and stopped the payment of {$200.00} and {$90.00}. Then credited me back the {$240.00}. After they got in touch with XXXX XXXX XXXX they are going to reverse the decision stating that I signed a contract. I never was stating that I didnt owe the money since it was an error on there part I wanted to work out some type of payment arrangement to get my account up to date.

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 2022-02-11
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX 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 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. 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 XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was notified by Equifax that my personal information was lost due to their data breach. This company needs to reimburse me for the charges they 've charged me for credit monitoring -- the reimbursement should include at least the period back to the date of the breach. Attempts to contact this company via phone are impossible -- they do not answer or the linese are busy. Emails are not replied to. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have tried to contact AES numerous times with no response. 
They are charging interest during the COVID crisis. 
The student loan industry is such a scam to begin with! 
I recently saw with an original loan of XXXX, I have already paid XXXX apx. 12,000 in interest. 
It is disgusting that the government and these corporations can get away with this. 
AES has never been able to provide me with documentation to show how this interest has accumulated. I have filed a previous complaint and the CFPB didnt do a dang thing! 
The people are going to start to getting loud about this corruption, we wont stand for this much longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I deposited a total of {$4300.00} in a Coinbase account from XX/XX/2019 till XX/XX/2019. Then on XX/XX/2019 I could not access my account. The following day i revived a response to my 30+ emails saying my account was hacked and they would unfreeze it within 5 days. when i was finally able to get in, half of my funds were missing and the account was still frozen until i pad them XXXX to resume trading. I refused and there days later my account was empty and they are saying i still owe them XXXX for trade fees??? I have no idea but they refuse to return my funds and are asking me to pay them to keep my account open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: Professional Debt Mediation, Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft .This collection agency is not only reporting fraudulent account. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with XXXX XXXX. They dont respond to my disputes and keep verifying this fraud to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Experian Information Solutions Inc.
State: DE
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:
XXXX XXXX  HAS VIOLATED MANY OF MY FCRA & FDCPA RIGHTS!!! I HAVE SEVERAL VIOLATIONS I PLAN TO TAKE ACTION UPON!!! NOT ONLY HAVE I BEEN VIOLATED & TAKEN ADVANTAGE OF BY THIS COMPANY. THEY ARE UNLAWFULLY REPORTING & RUINING MY REPUTATION!! VIOLATIONS - DELETING FROM 1 REPORTING AGENCY & NOT ALL - REPORTING NEGATIVE REPORTS TO CREDIT BUREAU - HARSSING COMMUNICATION TACTICS- VIOLATION IN FIANCE CHARGES - THYE ARE NOT THE ORIGINAL CREDITOR " I '' AM - SEZIED PROPERTY NEVER NOTIFIED OF MY RIGHT OF RECESSION - UNLAWFUL SEIZE & SELL OF PROPERTY THE LIST GOES ON!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: CREDIT ACCEPTANCE CORPORATION
State: KY
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:
On approximately XX/XX/XXXX my identity was stolen and used to purchase a XXXX XXXX XXXX by XXXX XXXX XXXX and someone else from XXXX XXXX and Credit Acceptance. The account now shows up on my credit reports and is inaccurate. After {$1200.00} was taken from my XXXX XXXX XXXX Account I opened a investigation and after my bank investigation with XXXX XXXX they found that the money was fraudulently taken from my account by XXXX XXXX XXXX and a unknown person and the {$1200.00} was credited bank to my account. I have done showing that transaction as well as a police 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 2017-07-11
Company: PNC Bank N.A.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
The bank purchased insurance on the vehicle when I had insurance on it. Now they are trying everything to incorporate the cost of the insurance into the payment of loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I got behind on my car payments. I owe around XXXX and the car will be paid for in full. i was paying as could and i was keeping in touch with them. they then cut me off from making payments online because they said they could not take my payments unless they were they full amount. i tried to pay over and over no matter how much it was and finally after being given such a hard time i just stopped. they weren't calling me either. last night my son and i went to XXXX XX/XX/22 and we came out and the car was gone. i called them they would not tell me how much i owe and will not take any money for it for me to get it back until i get my tax money to completely pay for it. or to pay it as i had money to make sure they told the impound lot that i did want my car and to not send it to an auction. they told me they can not give me an exact amount either because they have to wait on a letter to be done and that can take 2-3 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX ... WAKEFIELD & ASSOCIATES ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ... WAKEFIELD & ASSOCIATES ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have continuously spent time and money writing to XXXX and the other bureaus regarding a XXXX account that was listing incorrect information on my credit report. I had insurance on this lease car ... In NY you cant have a new car without full coverage. I had an accident and this car was totaled and covered by the insurance company ( attached ) .. I noticed my credit report was reflecting this XXXX account incorrectly and I addressed both XXXX and the bureaus regarding this incorrect account. After several months and several written requests, XXXX AND XXXX   responded this account is listed 100 % accurate, complete, and verifiable as per FCRA law. Today, several months later, XXXX changes their reporting and send different data to the bureaus. Either they never performed the original investigation, OR they are in violation of 1681i of the FCRA and both XXXX And the credit bureaus are liable in court. I am filing a complaint with my state attorney general and XXXX regarding this issue. If this isnt DELETED in 15 days, I will pursue my legal rights and finalize my FCRA attorney retainer agreement. I have all my written correspondence and the bureaus correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: EQUIFAX, INC.
State: MD
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 sent in multiple letters last XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
XXXX XXXX XXXX XXXX ( XXXX ) validation of debt XXXX XXXX XXXX XXXX harassment and abuse XXXX XXXX XXXX XXXX False or misleading representations XXXX XXXX XXXX 1692f-Unfair practices Under XXXX XXXX XXXX XXXX civil liability

Company response to consumer: Closed with explanation