BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-04
Company: Cumulus Funding LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Cumulus Align - not sure of the exact legal name since it appears to have changed is the epitome of " loan sharking ''. I secured this " income sharing '' loan which was not correctly explained to me by the agent, with the very clear definitive understanding I was agreeing to a 36 month term. Since I have this set to auto-pay I was not watching my balance but knew that the term should be ending in XXXX of XXXX. I requested a statement because I noted a date on a incomplete form I received that showed the maturation date as XXXX, XXXX. I was immediately alarmed and knew it was an error. I immediately contacted the company first by telephone with no success and then by email. I challenged the term and was sent an electronically signed document that was associated with my email address but the esignature did not match the font or name I use and more concerning was that the term of the loan was on a page well after the signature page where it showed the term to be for 48 months. A term of 48 months would mean that a loan for {$12000.00} would be a payback of over {$30000.00} which is more than 200 % interest. They don't talk about interest rates but they only talk about a percent of your income and sell you on the concept that if your income does down then so does your payment. The confusing and clever use of language initially led me to refuse the loan. The agent continuously called me pressuring me to take the loan and again we agreed that it would be for a term of 36 months. I never received any documentation until I requested it. Someone modified the document because I the term was so emphatically clear and stated by me several times. This is not only deceptive loan practices but a clear abuse of consumer protections. I refuse to pay more than {$30000.00} for a loan of {$12000.00}. Note the eSignature uses my middle name which is NO WHERE on any other documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
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:
On XX/XX/2021, while on the phone with a Paypal representative and logged into their site, Paypal decided to limit my account access to my monthly recurring income from royalties. No explanation or recourse was offered. 

Basically, I was told that Paypal will contact me in 180 days with options for withdrawing my funds. 

I have done anything illegal. I AM guilty of trusting Paypal when I shouldn't have. 

Imagine a bank telling you that they will contact you in 6 months so you can get your funds. 

My case # Ref ID - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I lost my job in XX/XX/2020 due to pandemic. I reached out to kohls to inform them and was told they would waive the late fees and no payments until I was financially stable to make payments. At the time I also had some kohls cash but everything shutdown and was unable to use but was told that once stores reopened they would honor it. 

I reached out regarding the {$65.00} fees that was not credited back to my account and rep told me there was nothing they can do that I had to pay it and also that they could not honor my {$40.00} kohls cash afterall.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX am a victim of identity theft & have one or more fraudulant accounts all 3 on my credit bureaus profiles & will need them disputed & removed as soon as possible

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 2020-05-04
Company: Experian Information Solutions Inc.
State: AR
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 found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX  XXXX {$160.00} XXXX XXXX XXXX {$910.00}

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 2017-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX PH :. XXXX PH : XXXX EM : XXXX  XXXX XXXX  XXXX XXXX  XXXX Date of Birth XX/XX/XXXX SS # : XXXX TO : * Consumer Financial Protection Brueau * Department of Veteran Affairs, Office of the Inspector General My name is XXXX XXXX XXXX, I dont and havent ever had a Bank of America Accounts. No Personal or Business Savings, Checking Accounts. No Credit Cards, Home Loans, Car Loans, nor Business Loans. Nor have I ever Co-signed for anyone or applied on behalf of another person for such accounts. Nor have I ever authorized anyone to apply for such accounts or Education Loans for me. Im NOT responsible for payment of such accounts ; not even for my children. Im not and I havent ever been married. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a XXXX dollar debt on my personal credit report that belongs to my ex husband. I was never a joint owner of the account I was only an authorized user without my consent and I never had the credit card in my possession. The law says a bad authorized user can not remain on my account if disputed. Ive contacted both XXXX XXXX XXXX XXXX and Equifax to remove the debt and even after disputing it it remains on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: JMD,LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A 3rd party collection agency that XXXX XXXX hired, had received the required payment as requested on a written agreement ( half of the {$890.00} owed ). In receiving this agreed amount, the company stated the account is consider fully paid and closed. Yet, XXXX XXXX still continue to report on the account and attempt in collecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-06
Company: Receivables Management Corporation
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Back around XXXX of 2015, I checked my credit karma score and to my disbelief. MEDICAL BILLS OVER {$4000.00} dollars we in collections! My identity had been stolen a few months earlier as I 'm from Oklahoma. My ID, SS Card, Debit cards, everything had been stolen. I even have contacted the IRS on this matter and have gone as far as contacting the IRS because someone had also been claiming me as a dependent. I have tried to dispute this and they repeatedly keep shutting me down as this is accurate. I need this taken off of my credit report. It 's killing me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: EQUIFAX, INC.
State: NJ
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: Problem getting your free annual credit report

Complaint:
I have used the access via XXXX to request my credit reports. Every year since XXXX, I tried doing so with Equifax, and I have never been able to obtain one online. Equifax always responded with " Online Delivery Unavailable ''. The other 2 Credit Bureaus ( XXXX XXXX XXXX ) are able to provide my online credit reports every year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Experian Information Solutions Inc.
State: VA
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: Problem getting your free annual credit report

Complaint:
This is a recurring problem with Experian, one of the three credit reporting agencies form which I am entitled to get a free credit report ( now weekly -- at least theoretically ) rather than annually through XXXX. I've tried repeatedly to get a free credit report from Experian and keep getting the same vague ( totally worthless ) message telling me a " situation exists '' that does not allow me to get my credit report. But no information as to WHY. Completely unhelpful and just hitting a brick wall. NO resource except to complain to you, and wait 60-90 days. For a company that rakes in billions in profits each year ( much of it by selling my personal information to others without my authorization ), you would think they would invest better in technology that would enable them to be compliant with Federal law. Perhaps they think most people will just get frustrated and give up. I DO NOT want the company to send me a form requesting my personal information. I want Experian to FIX THE PROBLEM THAT IS PREVENTING ME FROM GETTING MY CREDIT REPORT ONLINE -- NOT through the mailer having to go to the extra effort to dial a number and deal with electronic robots -- UPON REQUEST. 

PLEASE NOTE THAT I HAVE ALREADY RECEIVED A RESPONSE FROM EXPERIAN ( THROUGH A PREVIOUS CFPB COMPLAINT ). I NOTED IN MY RESPONSE TO THEIR RESPONSE, THAT IT APPEARED TO HAVE BEEN ANSWERED BY A ROBOT. WHOEVER RESPONDED DIDN'T APPEAR TO KNOW THAT IT HAS BEEN OVER A YEAR SINCE CONSUMERS HAVE BEEN ENTITLED TO RECEIVE A CREDIT REPORT WEEKLY -- NOT ANNUALLY.

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 2020-05-12
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Company wrongfully furnished my credit report with information thats not true about me. This isnt 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 2017-11-27
Company: Navient Solutions, LLC.
State: VA
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:
My credit report shows 4-5 separate loans from Navient with unsatisfactory payment history. This has adversely affected me and is now preventing me from obtaining housing. 

In XX/XX/XXXX I experienced the devastating loss of my education due to XXXX XXXX school closure. Since that date, I have fought with the Department of Education, XXXX XXXX and Navient to relinquish the student loans. In XX/XX/XXXX I wrote the State, Local Government and the White House to enlist assistance in requesting the compliance of the Department of Education, and Navient. Afer involving additional parties, the loans were relinquished due to the school closing however, the late payment history is still reflecting on my credit report. I have requested that payment history be removed from my credit report and have not received any form of assistance in this process from Navient or the Department of Education. 

I am requesting that all payment history be removed from my credit report as their was never a debt owed to the Department of Education, Navient or XXXX XXXX. I was unable to use the education I obtained, did not receive a diploma for the education I completed or any form of benefit from attending school at XXXX XXXX. I was unable to receive employment as a result of the school being unable to provide any forms of documented proof of externship or completion. I feel that i should not be held responsible for payment history on an account that did not provide services. I have taken a devastating loss of my education and have been forced to pay for and complete courses through a XXXX  college to obtain the education I previously obtained through XXXX XXXX. I attended over a year of school with ACT college while pregnant with nothing to show for it but non-payment history of a loan that should have been relinquished in XX/XX/XXXX. 

I am requesting your assistance in gaining the compliance of the Department of Education and Navient to remove all history of the student loan from my credit report. It is unjust that I am penalized for the school closure when I upheld my responsibility to ACT College. ACT college could not/did not provide me with the services I was being held accountable to pay therefore, the late/non payment history should be removed from my credit report. Thank you for your assistance in resolving this concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Riverwalk Financial Corporation
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Car was repossessed in the process of me dealing with an out of state child custody battle. I wasn't informed the car was repossessed until my cousin called and notified me. I was out of state when it happened and couldn't return due to court orders. I was unable to leave the state per the judge until the custody battle was over which was a year later. When I moved to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Bank of America charges a XXXX $ maintenence fee despite the account in questiom being above the required amount for fees to encure. The account also had a monthly deposit of XXXX $ into it, another requirement by the bank if you want to avoid the XXXX $ monthly fee. Despite all this, I still have XXXX $ taken from the  account for a " maintenence '' fee every month. 
I went to meet with a banker the first time I noticed this and was under the assumption that the issue had been resolved.

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 monetary relief
Consumer complaint received 2020-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-01
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I accompanied my mother to Apple Bank for Savings at the XXXX XXXX Branch. One, to inform them of the passing of her husband and, two, the transfer his two savings accounts in trust for my mother into her accounts at the same bank. On XX/XX/XXXX, we provided the branch with an original copy of her husband 's death certificate and were successful in moving one of her husband 's account holdings into my mother 's savings accounts. We were informed by XXXX XXXX Customer Service Representative that the funds in the second account would not be available for 30 days. When we returned on XX/XX/XXXX we were told that we must have a letter of administration to release the funds. When I inquired as to why, with Assistant Bank Manager XXXX XXXX, she informed me that it is a state regulation. I asked why I was not informed of this regulation on XX/XX/XXXX and why one account was released and not the other? I also informed her that l would now have to return to my attorney and pay additional fees and court costs to add this information to our court filings. Ms. XXXX did not provide me with an answer and simply stated that she " could not tell me why I was not told and that she could not release the funds. '' Upon consultation with my attorney, I found that additional court documents were not required on any account with a beneficiary. The account in question has the same passbook title as the transferred account. It is clearly titled : In Trust For " ITF ''. Why is Apple Bank for Savings holding and refusing to release these monies without court documents and at great expense to me? 
I find this to be unacceptable, incompetent, deceptive and fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
In or around XX/XX/XXXX, I purchased a XXXX  XXXX XXXX from XXXX XXXX XXXX XXXX During this consumer credit transaction, I was advised that I needed to put down {$2000.00} cash along with the trade-in of my XXXX XXXX XXXX XXXX The contract I signed only had my signature on it. I was not advised of my rights to rescind the transaction. 

My consumer rights have been violated several times over by XXXX XXXX and BMW Financial.

When I previously tried resolving the matter with BMW Financial, they spouted off statements about fraudulent debt elimination schemes. They even threatened to ignore my future requests although they failed to provide ALL documentary evidence as requested pursuant to 15 USC 44.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: EQUIFAX, INC.
State: MO
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:
report number XXXX account summery : XXXX EQUIFAX XXXX I HAVE BN. SEENDING LETTERS TO EA.COMPANY THAT THE AVERAGE ACCOUNT AGE : 2YRS ... .. 9MO.

OLDEST ACCOUNT : 8YRS. ... ... 20 I CALLED AND ASK TO REMOVE THOS OF MY CREDIT REPORT .NEVER HAD THEM .I LIKE TO KNOW WHAT ARE THY FR. I WANT COPIES OF THES LOANS ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the wrong persons hands.

Company response to consumer: Closed with explanation