BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-04
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: Information belongs to someone else

Complaint:
Today XX/XX/XXXX I just found out that my social security number was used to open a account at XXXX XXXX XXXX # XXXX OPENED ON XX/XX/XXXX $ N/A I have never opened this account with my personal information nor have I given anyone permission to obtain any vehicle or purchase from this company. I have not received any type of goods or ever benefitted from this account ever being open. I do not know who used my personnel information and I have filed a police report to my local police department I XXXX XXXX have sent more than enough supporting documents to have this account removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
see 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 explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had problems with my money not adding up right in my account.

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 2021-05-30
Company: Experian Information Solutions Inc.
State: MN
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 had a payment plan setup with the loan company which is XXXX XXXX XXXX bank, XXXX XXXX XXXX never notified the right department. Because of their error, my credit now is severely being affected. XXXX XXXX XXXX told me that they were going to fix it, yet they never fixed it. The late payments are still there on my credit reports!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Paypal Holdings, Inc
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
PayPal is charging, without permission, checking account, when credit card is declined. It puts it's customer at risk of running into financial problems, with the bank which it's charging without a permission, due to unexpected event with the credit card security check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: EQUIFAX, INC.
State: PA
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:
Hello, my name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear TRANSWORLD SYSTEMS INC ; ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX ) ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Bank of Ameri ca Privacy Assist r eports the  XXXX  credit bureau scores on their service website. They represent that the scores are ones  XXXX ,  XXXX , and  XXXX  scores. THE SCORES ARE NOT THE CORRECT SCORES although they title them as such. I used their service to try to improve my credit prior to applying for a loan using the exact same bureau scores, but when the lender pulled them and when I pulled them from the  XXXX  companies, the scores provided by Bank of America were a fraudulent misrepresentation and were not the  XXXX  scores provided by the bureaus. When I contacted privacy assist, they said the scores are " educational '' and not the real scores. I have been paying for the service for years for the purpose of monitoring my ACTUAL scores from the  XXXX  bureaus only to come to find out years later that they are fraudulently misrepresenting the scores of the bureaus in what I believe to be a " feel good '' fashion although they are not correct. If Bank of America wanted to provide me " educational scores '' they should have titled the scores as such and not used the bureaus names in the scoring. I WANT MY MONEY BACK!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: RentDebt Automated Collections, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company that I do not know has reported a collection on my consumer report. I have not opened any kind of account with this company. I do not have any relationship with this company at all.The company is : RENTDEBT AUTOMATED COLLECTIONS XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: AXOS FINANCIAL, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan is being transferred from XXXXXXXX XXXX to Axos Bank effective XXXX/XXXX/21. My payments are current with XXXX, including the XXXX/XXXX/21 payment which is automatically posted. However, for some unknown reason, Axos transferred my loan to their books at least XXXX months early, and they now think I'm over XXXX months behind in my payments. They have charged late fees which I obviously don't deserve. I have received at least XXXX threatening letters from them. I've tried to call and resolve this issue, but all they say is " Don't worry about it '', then they send more threatening letters. I've never seen a loan transfer get so screwed up. My credit is excellent, but now I'm worried about this impacting my credit rating ( the last letter was a " Notice of Intent to Accelerate '', i.e., make the loan all due and payable now ). Furthermore, I don't want to send them any future payments until their records are correct. Nobody seems to know what's going on ( the last representative I spoke to hung up on me ). In my opinion, a bank this screwed up should be be fined or lose their license.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XXXX of XXXX a check was deposited at the ATM. XXXX.receipt showed $ XXXX.I called the bank.they said a one time check would b credited.had2wait a few days.XX/XX/XXXX I got a letter credit was being taken back.I called 2get a understanding.Told everything 's OK.XX/XX/XXXX, I call checking my debit card.said I was negative $ XXXX.shocked.I called crying.y? Told bank gave2credits. $ XXXX $ XXXX.all day calling crying.bank is right I am wrong.I am a XXXX XXXX.my daughter had the card.if there were2credit she had2spend it.I beg the bankers make arrangements.that was my whole check4my bills.they said no+took all my money.now I can not pay bills or rent.I got no respect.8yrs I have been with chas.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Hi, After Hyundai Capital Finance requested a payoff for my car that was totaled in an accident, they received a check from my insurance company for the amount they requested. After everything was settled they sent me a bill for {$990.00} stating I owe these funds. 

When asking for a breakdown they claimed that it was due because of XXXX monthly payment that is due and my deductible from the accident. I have showed them that I was always paid up XXXX month up front and that my deductible is XXXX dollars which XXXX waived since the accident was not my fault. I have this in writing. When I called in to HCF they continued to give me different reasons for this and in the end reported me to the credits bureau and dropped my rating from almost perfect down XXXX point. 

I have requested a clear breakdown of why I owe so much money which they failed to do. Furthermore, they collected over $ XXXX from insurance company were my payoff was only $ XXXX. They created phantom charges and now have damaged 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 2021-04-13
Company: Crossroads Systems Inc.
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
i applied for a ppp government loan that dont need to be paid back for small business and this bank XXXX ppp denies you as soon as they get your bank account number online and they have my dr lisc ss number and tax info that i sent too. after they get it they try to withdrawal money from your bank account instead of deposit the ppp loan that i applied for. also they say after 7 days your denied cause you didnt answer our 4 credit report questions correctly i ask for 2nd chance to redo the questions and they say no. this bank is scamming people to get peoples bank account numbers so they can withdrawal money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
We received a letter from a collection agency saying we could settle our credit card balance for a lesser amount. I received the notice on XX/XX/2020. It said they had to receive payment by XX/XX/2020 or the offer was void. I tried to call but was put on hold for over an hour and had to leave. I mailed a check on XX/XX/2020. It went through our account a few weeks later. Then, I received another bill from the credit card company showing the amount we paid as just a payment. I wrote on the bill what had happened and asked them to fix it. We never heard from either company but kept receiving bills. I called the credit card company. They said I had to fix it with the collection agency. I called them and was told they received the payment too late. This is unfair because their letter making the offer was dated on XX/XX/2020 with a deadline to receive payment by XX/XX/2020. Accounting for mail, it should have been longer. Also, we did attempt to pay by phone first without luck and then mailed the payment before the deadline. We don't control the mail service or when it would have been received.

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 2020-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I checked my credit reports through XXXX XXXX and XXXX. I have two credit cards with XXXX and on all my credit reports, it shows that one of my credit cards has been closed. XXXX said everything is normal and their no restrictions on the accounts and dont know why they would show closed on my reports. My credit reports are being tampered with and Im in the middle of home buying. I need help. Closing accounts can show as negative on credit reports and I need to know why this happened. Its not fair.

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 2021-03-31
Company: Great American Finance Co
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I opened an account with great American finance company XX/XX/2013. Under the contract if balance was paid within one year there would be no interest charged. I paid the the account in full on the last day of the yr term. I later received notice from the company that they did not process the payment until the following day, and stated that because of this the finance charges were added to the account balance. I have attempted to dispute these charges with the company and their response has been that they are unsure of why the payment was not posted on the day I submitted it, ( which would have resulted in no finance charges ) they attribute it to a system error, yet failed to fix the issue and zero out the account. This account should not be reported on my credit report as a negative account because I paid in full according to the terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions 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:
This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00}

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 2018-10-25
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had an account balance of {$56.00} on my XXXX XXXX credit card in XX/XX/2018. I tried to pay it in full but the payment was " reversed '' that month. The following month, I paid {$57.00} and thought my account was paid in full ( including any interest ). I didn't realize that XXXX XXXX had charged me {$27.00} in late fees at that time. XXXX 's then proceeded to charge me ( i ) late fees of {$27.00} and interest charges of {$2.00} in XXXX ; ( ii ) late fees of {$38.00} and interest charges of {$2.00} in XXXX ; ( iii ) late fees of {$38.00} and " interest charges on purchases '' of {$2.00} in XXXX ; and ( iv ) late fees of {$38.00} and " interest charges on purchases '' of {$3.00} in XXXX. My account balance is {$180.00}. I have electronic billing and did not realize this balance was accumulating until I received a letter in the mail recently. 

I called XXXXXXXX XXXX to request removing this large sum of late fees, especially considering I had already paid of my balance -- each fee itself is high and seemingly untethered to any balance. I spoke with three different people in customer services, collections, and escalation, and the most I was offered was waiver of the last two late fees, totaling {$76.00}. I requested that waiver and asked if there is anyone else I may speak with because the fees seem unreasonable and punitive simply for failure to pay the initial late fees. I was told I can speak to whomever but the most the system allows is for someone to waive two late fees. 

I am retired and unable to afford this. I don't believe it's reasonable for an institution to stack late fees upon late fees with no apparent cap, and totaling in nearly {$200.00}. I was even told that if I don't pay the balance by XX/XX/XXXX, XXXX XXXX will charge another {$38.00} in late fees. I would really appreciate your help in sorting this out because I simply can not afford these crushing and unfair fees. I also note that my account still does not reflect that any of the fees have been waived, as promised.

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 2017-05-26
Company: Experian Information Solutions Inc.
State: TX
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:
I wrote  XXXX ,  XXXX , and Experian in  XXXX  asking for help. They have not answered me. I filed a complaint and put down a friend I know who does free advocacy work for people needing help with credit. The response was  the 3rd part y is not authorized.   Whatever. I am resubmitting this myself, no help from anyone. I do not understand why they just are refusing to help me. I know if they truly look at my issues they will find errors. I am having the same issue with the other  XXXX  credit bureaus. That 's collusion against me.   Is n't this illegal? Is not all of this illegal???   Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: Southeast Finance Inc.
State: NV
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:
FRAUD VICTIM. My bank on XX/XX/XXXX ran a report for business reasons and right after that 14 hard hits appeared I contacted all hard hits. I contacted XXXX XXXX XXXX Credit Report Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and told them I di n't authorizes these I sent in the letters and contacted the companies as I could not answer some of the questions was told they could or would not investigate and referred me back to credit report companies. 
This is the information that was found who tried to use my ID From my FIC report RECORD CREATION DATE XX/XX/XXXX EMAIL ADDRESS XXXX USER PASSWORD XXXX ID XXXX UPDATE DATE XX/XX/XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-01-22
Company: Block, Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Unauthorized transaction on Cash App card. I tried to address this with cash App and they haves refused to clear up problem. Their response is that I must have done it. The amount in dispute is only {$20.00}. However, whomever, accessed my account my try to get more cash.

Company response to consumer: Closed with explanation