BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-25
Company: Consumer Portfolio Services, Inc.
State: PA
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:
This company outright lied to me in order to secure a payment and stop me from filing bankruptcy and including my car. I was told repeatedly by multiple people that if I made 1 payment of {$440.00} I'd be able to get an extension of my other past due. 

After literally taking the food of my kids table to pay this amount I was told less than an hour later that management won't approve my extension but that my car will be safe for a while 6 days before it goes back up for reposession on XXXX. 

I was LIED to and taken advantage of by this unscrupulous company who said anything to stop me from filing bankruptcy because they new they could squeeze one more payment out before taking my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Negative remarks on my credit report for a debt I have no knowledge about. I have never lived in Texas where such debt was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: LA
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and 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 2019-08-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I initially filed a complaint # XXXX ( see attached ). I thought that the response from Chase Bank would resolve the problem. In essence, a credit card payment from a Chase credit card was never received by the vendor. We show the transaction taking the funds from our account but Chase would do nothing to assist us in working with the vendor - the basis of the complaint. Chase, in response to the complaint, provided transaction information which we shared with the vendor. The vendor could not use the information and replied with a statement ( in Spanish ) which we submitted to Chase Bank. Chase has not acted on this letter so I ask that the complaint be reinstated or a new complaint be raised based on the initial complaint. I have attached some of the relevant documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: ACIMA CREDIT, LLC
State: KY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had bought some furniture from this company called acima, with a 90 day pay off option. 
We are XXXX XXXX XXXX and nothing was established in the agreement with Acima and my husband and I. They did not disclose the MLA, then overcharged us for a {$1900.00} purchase, and said that if the 90 days the product was not paid off, then we would have to pay {$4000.00} for our product. Spoke with customer service and customer service told us that they have a 35 % agreement ( which was not explained nor spoken about prior to entering the agreement ) and failed to give us our MLA rights to our purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: TX
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:
In ac

cordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-26
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I went to court RE : this issue approximately 3-4 years ago. Was supposed to be assigned a payment plan with no further information from the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
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: Account status incorrect

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2019 an identity thief transferred {$35000.00} out of my Citibank Checking account to an account at XXXX XXXX. Thief then withdrew all funds from XXXX XXXX account. Theft was reported by me to Citibank on XXXX.Citibank conducted a fraud investigation and on XX/XX/2019 declared they would not responsible for refunding me the money, stating XXXX XXXX was responsible. XXXX  XXXX  believes Citibank is responsible for refunding me the money. Neither bank is giving me back my XXXX THOUSAND dollars, instead they are pointing fingers at each other. 
I have filed a report with the FBI, the local police department and the New York State Attorney General. I believe Citiba is trying to offset liability to XXXX XXXX but the legal obligation to make me whole lies with Citibank.

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 2023-04-13
Company: Experian Information Solutions Inc.
State: GA
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and 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 explanation
Consumer complaint received 2021-04-12
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account for no reason one day and wont help me to get it back, I am losing hope from them, because that payment is really important for me and my family, especially during the covid-19, as we can not work and still need to pay bills. Paypal told me I can withdraw the balance after 180days. But I noticed a total amount of $ 8,357.49USD ( through two separate transfer to paypal XXXX 7969.63usd on XX/XX/2020, and the other amount of XXXXthe same day ) has been taken by Paypal from my account on XX/XX/2020. I was trying to get help from them but they can not provide any useful information to me about this. So I file a report to CFPB and wish to get this issue resolved, the email I used for my paypal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: CITIBANK, N.A.
State: VA
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:
Purchased a dryer online through Sears using a Mastercard. Sears charged the card for {$930.00}. My card was immediately flagged for fraud alert by Citi MC. I called and confirmed the charge. My receipt said " Scheduled for Delivery : XX/XX/XXXX. We'll call you the night before your delivery to confirm your delivery window. '' No call received on XX/XX/XXXX. No call on XX/XX/XXXX. When I called Sears, the representative said that I HAD to call to schedule delivery. This is NOT stated anywhere in my receipt, on the Sears site, nor in my confirmation email. I waited on the phone for an hour. My credit concern is -- - Sears is violating the terms of their vendor agreement with Citi MasterCard by charging my card and falsely stating the delivery procedure. Furthermore, the procedure stated by Sears is false and misleading. I still do not have the dryer and there is no date scheduled for delivery. But, my card has been charged {$930.00}. I still need the dryer. MC is allowing vendors to operate outside of the terms of their agreement - stated here : https : XXXXXXXX. I am concerned that if i cancel the purchase - i will be charged by MC for confirming then cancelling the charge -- and Sears will hold me liable for the purchase.

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 2022-12-20
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: Personal information incorrect

Complaint:
I am writing to dispute the following information that appears on my TransUnion consumer report. These address are incorrect and are not associated to me in any way. I would like TransUnion to delete the following address off of my report 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 2023-02-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Checking accounts and credit cards that are paid off or closed but show that theyre delinquent on my credit history. Also, accounts opened in my name that arent mine and addresses that arent mine.

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 2023-02-22
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$120000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I have numerous hard inquiries on my report some I have no knowledge of and some when prequalifying said they wouldn't hurt my report/score. 

Pursuant to 15 USC 1681b Permissable purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2023-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
Inquires without my knowledge and or consent. Please delete from my credit report BK of Amer XX/XX/XXXX BK of Amer XX/XX/XXXX XXXX XX/XX/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 2019-05-09
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
between XX/XX/XXXX-XX/XX/XXXX I did a plus parent loan for my daughter XXXX XXXX. I didn't sign no papers on this loan. My daughter was injured and couldn't attend the program anymore. I started making payments and realized that she had 3 loans that total to {$17000.00}, {$860.00}, {$6400.00}. On XX/XX/XXXX I consolidate all the loans with Navient. With the interest rate being 8.5 % it seems the loans keep increasing and making it difficult to manage. Since XXXX College is a private school why are the loans affiliated with the Department of Education. I never signed off on a Federal loan. I never signed any papers. I have requested for validation with my signature but never once received it. The loan was for a private institution and not federal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 a victim of identity theft. I have contacted TransUnion several times explaining this situation and submitting the requested documents as proof. I have an extended fraud alert on my reports as well. The following accounts should be deleted and blocked from my credit because they are fraud accounts XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( two accounts ), & XXXX XXXX. My name has been alerted the only name I have been known by is XXXX XXXX, which I have provided my ID & social security card several times with this information. I have also asked that the inquires for XXXX XXXX, XXXX   card be deleted this is not something I requested and is also a results of someone attempting to open more fraud accounts in using my name.

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 2021-01-25
Company: Paramount GR Holdings, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX of XXXX, I installed solar panels, and initiated a loan for the panels themselves through Loanpal. Shortly thereafter, I was contacted by a salesman for Loanpal, in the Mortgage department, who offered me a re-finance mortgage on my home, for which the sole purpose was to pay off the solar panel loan completely, and roll that into the mortgage. I dealt with the Loan Officer XXXX XXXX and the processor XXXX XXXX. During this time, my roof was also damaged by Hurricane Sally. This roof damage became important during the appraisal phase, but I was assured by XXXX and XXXX that if the appraisal was low because my roof had not been replaced yet, that could be handled. Regardless, the entire process of closing the Mortgage went fine, as far as I knew. There was NEVER any indication from Loanpal that my solar loan would not be FULLY paid off by the mortgage. Neither my wife nor myself would have agreed to go forward with the mortgage had we been told it would not pay the solar completely off. 
In XX/XX/XXXX, the mortgage has closed, and been sold to XXXX XXXX. I begin to get calls from Loanpal XXXX, indicating that I am behind on my solar payments. When I call to explain that they should speak with their mortgage division, they tell me that only PART of my solar loan was paid off, and that I still owe XXXX plus dollars for my solar loan. I contacted Mr. XXXX, and he insists that he and/or XXXX must have told me this, however neither my wife NOR I would have accepted these terms were we told. MrXXXX XXXX then insinuated that I must not have read my disclosure, as he claimed the disclosure made it clear that my solar loan would not be paid off not matter what deception might have happened verbally. I did go back and look at my disclosure, which did show the amount to be paid to Loanpal by Loanpal. {$36000.00}. However the disclosure document did NOT indicate that I would still owe on the solar loan, and I reasonable thought that Loanpal Mortgage was getting a discount on the payoff, as I was dealing with two divisions of the same company. I believe Loanpal uses deceptive practices to lure consumers into a loan under false pretenses, and I now have two loans, when all I ever wanted was to refinance my home based on the promise of paying off my solar loan. Again never ONE TIME did anyone from Loanpal tell me anything other than that my solar loan would be completely paid off by the refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: Experian Information Solutions Inc.
State: DC
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 REPEAT THAT THIS IS NOT A REQUEST FOR VALIDATION/VERIFICATION NOR A DISPUTE. On XX/XX/2022, I the consumer notified the CFPB ( Consumer Financial Protection Bureau ) about XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), VIOLATING 15 USC 1692c ( a ) -COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the EXPRESS PERMISSION OF A COURT OF COMPETENT JURISDICTION, a debt collector may not communicate with a consumer in connection with the collection of ANY DEBT, I as the consumer never gave PRIOR CONSENT to XXXX XXXX XXXX XXXX, TO COMMUNICATE WITH I THE CONSUMER NOR FURNISH ANY ACCOUNT TO MY CONSUMER REPORT. XXXX XXXX XXXX AGREED IN WRITING THROUGH RESPONDING TO MY CFPB COMPLAINT THAT THEY WILL CEASE COMMUNICATION PURSUANT TO TITLE 15 USC 1692c ( c ) OF THE FDCPA ( Fair Debt Collection Practices Act ) CFPB complaint # ( XXXX ) Pursuant to title 15 USC 1692a ( 2 ) The term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through ANY MEDIUM. Communicating about an alleged debt through my Consumer Report is violation of the FDCPA, that's communicating with I the consumer through a MEDIUM and ( XXXX ) ( Experian ) and ( XXXX ) are in serious violation also. XXXX, Experian and XXXX fraudulently furnished account XXXX XXXX XXXX on my consumer report without the consent of the consumer or the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury pursuant to 15 USC 1681b ( a ) ( 1 ) under permissible purposes of consumer reports. Here 's other Violation of the FCRA as well : ( 1 ), 15 USC 1681 ( a ) 4 ( b ) -Accuracy and fairness of credit reporting ( 2 ), 15 USC 1681a ( 1 ) - Consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, and mode of living are impacted. 
( 3 ), 15 USC 1681b ( a ) ( 1 ) ( 2 ) -Permissible purposes of consumer reports. I the consumer never gave pre-Authorization nor prior permission to furnish any of the information on my credit report. 
Each violation under the FCRA and FDCPA is {$1000.00} each violation. I demand this account ( XXXX XXXX XXXX ) be deleted Immediately or I will file for litigation in accordance with the FCRA and FDCPA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1681n - title 15 USC 1681o ) regarding the continued willful and negligent noncompliance and 15 USC 1692k civil liability section of the FDCPA.

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