BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was sued and paid the judgment. A new lawfirm file took over the judgment and garnished my wages. I have comunicated with them to stop the collection efforts to no avail.

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 2021-04-04
Company: Paypal Holdings, Inc
State: GA
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 and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a XXXX in XX/XX/2020. XXXX XXXX XXXX XXXX gave me paperwork stating my balance was being financed by Ally Auto, however my registration said XXXX XXXX XXXX. The first payment was due on XX/XX/XXXX. I setup autopay. I cancelled the Gap insurance and Maintenance contract from Ally Auto Bank. Ally supposedly sent the Gap payment to the dealer. I had filed a complaint with the XXXX XXXX for the Gap since it 60 days. XX/XX/XXXX I was informed from XXXX XXXX that my autopay was cancelled due to the bounced payment from Ally Bank. So their excuse was that a bounced check voided my autopay with a totally different account. I paid the charges as well as the payment and one additional payment to offset so I can restart the auto pay. I will have to wait to be able to do so. The Ally Bank told me they paid XXXX XXXX XX/XX/XXXX. XXXX XXXX told me they received the payment, however they waited 68 days to inform me that the check received from Ally Bank bounced and ensuing charges were due. They informed me that it's up me to contact Ally Bank. I will not contact them again one blatant lie is unacceptable to me personally. I would have already obtained legal counsel by now I'm at risk XXXX so I'm not making any new face to face contact from unknown entity. XXXX XXXX   has all my personal information I only have the initial billing which I generated the autopay with. No contract from them which I requested. I'm still waiting for that contract so I could take to my credit union to take out a loan at a much lower rate and they are locally based. I gave the dealer XXXX in cash which should have facilitated matters. As of now XXXX is owed to me outstanding for those purchased services and no response from Ally Premier Protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX : ( TransUnion ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 ay consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

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 2021-04-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
1 ) Seven days ago, I signed for EQUFAX free 7 days trial, and then $ XXXX/m. 
2 ) I looked my EQUIFAX credit report XX/XX/XXXX and was NOT SATISFIED WITH THE EQUIFAX CREDIT REPORTS AS THESE REPORTS DID NOT GIVE AN ACCESS TO XXXX  AND XXXX CREDIT REPORTS, JUST THE SCORES. 
3 ) I canceled MY EQUIFAX SERVICE IMMEDIATELY, thus Equifax charged me today ( 7 days later ) {$19.00}.

4 ) I called the Equifax customer servise at ( XXXX ) XXXX at XXXX XXXX on XX/XX/2022 and spoke with the Equifax representative XXXX : XXXX. I requested a refund and ask why the service was continued as I canceled it 7 days ago. 
5 ) XXXX XXXX told me '' he needs to get into my credit report '', asked me all PERSONAL IDENTITY QUESTIONS for verification purpose. 
6 ) Then, XXXX XXXX continued to verify me, and sent me the following link, REQUESTING FROM ME TO SNAPSHOT MY DRIVER LICENSE : https : //document-verification-ifs-ca.us.equifax.com/error? fbclid=IwAR1BwYSkplOeMflZ2eOUFRAIEGZKhs9Jthf2lJnuFdGbIlRkke7abDMG6TM. 
7 ) While on the phone with XXXX XXXX, I snap-shoot my ID, THEN THE PHOTO SNAPSHOT OF MY ID suddently DISAPPEARED! I became very nervous not knowing where is the copy of my ID and if it was transmitted over the PHONE anywhere ; I told XXXX that this is very complicated and scary, and I should not be put into situation to do complicated verification of my self,. 8 ) JUST CANCEL MY SUBSCRIPTION WITN EQUIFAX AND REFUND MY MONEY. 
9 ) XXXX XXXX became also nervous, and told me that I should answer serious of verification questions. 
10 ) I proceed and XXXX asked me all questions about my mortgage, loans, credit cards, student loans, etc. 
11 ) THEN XXXX XXXX TOLD ME THAT THE EQUIFAX SYSTEM CAN NOT VERIFY ME!!!!!!! XXXX XXXX told me that I must send them my documents/IDs by mail. 
12 ) I WAS VERY ANNOYED as I simply wanted to cancel my subscription and refund my money. It is my right, more so I was calling to tell I already CANCELED IT. I told XXXX XXXX that I will file a CFPB complaint and will call my Bank to file a dispute. 
13 ) FINALY XXXX XXXX told me I COULD GO TO MY EQUIFAX ACCOUNT AND CANCEL MY SUBSCRIPTION myself. I objected and ask why XXXX XXXX did not started our conversation with this. 
14 ) After I terminated our conversation I did go to my Equifax account and cancel ( FOR THE SECOND TIME ) MY SUBSCRIPTION, BUT THE EQUIFAX DID NOT GIVE ME BACK MY {$19.00} ; EQUIFAX SYSTEM STATED I COULD HAVE THEIR SERVICE FOR 1 MONTH MORE. 
15 ) IF I AM NOT HAPPY WITH THE EQUIFAX PLATINUM, WHY SHOULD I KEEP THEIR SERVICE LONGER? 
16 ) EQUIFAX IS LYING TO CUSTOMERS, PROVIDING THE FAULSE ADVERTISEMENT ON EQUIFAX.COM THAT I CUSTOMERS COULD REACH XX/XX/XXXX CREDIT REPORTS, BUT EQUIFAX NEVER PROVIDES SUCH OPTION TO CONSUMERS, JUST THE CREDIT SCORES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
medical company ( XXXX XXXX XXXX XXXX  ) failed to use accurate insurance company ( XXXX ), thus never made claim to insurance. ( XX/XX/XXXX ) Billing statement was sent to incorrect address by medical company ( XXXX XXXX XXXX XXXX ). ( No Verification bill was ever actually sent ) Received letter from collections company ( I.C. System, Inc ) about amount due to medical company - ( XX/XX/XXXX ) Bill of {$1400.00} Insurance company ( XXXX/XXXX ) aided in disputing amount due - mailing address updated by medical company ( XXXX XXXX XXXX XXXX ) to receive bill and claim to be filed under correct insurance company ( XX/XX/XXXX ) Mailing address was not actually updated by medical company ( XXXX XXXX XXXX XXXX ), and claim was not actually filed with correct insurance company ( XXXX/XXXX ) as discussed. 

Collections company ( I.C. System, Inc ) again attempts to collect incorrect debt from medical company ( XXXX XXXX XXXX XXXX  ) - find that mailing address was never updated and claim was never filed. ( XX/XX/XXXX ) Bill of {$1400.00} Dispute over debt made with collections company ( I.C. System, Inc ) in order to prevent negatively effecting credit. Put debt in hold with company. ( XX/XX/XXXX ) Summarizing, the medical company ( XXXX XXXX XXXX XXXX ) repeatedly failed to update correct insurance information and correct mailing address ( thus a failure of notification ) and repeatedly sent bill to collections ( I.C. System, Inc ) after attempts to rectify the situation by myself and my primary insurance  provider ( XXXX/XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: AFNI INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/2021 I received a letter from ANFI, Inc about a debt that was sold to them from XXXX XXXX XXXX XXXX XXXX XXXX For the amount of ( {$330.00} ). XX/XX/2021 i wrote ANFI, Inc a debt validation letter asking for a contract bearing my signature and how do i now owe them when i paid XXXX XXXX XXXX, XXXX a settlement amount of already {$400.00} and when i went to make my last payment they told me I had to wait to ANFI contact me regarding the debt now. Which i didnt understand so now ANFI responded with nothing but another bill. Why cant I get the contract bearing my signature on a debt they allegedly say i owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: EQUIFAX, 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:
My name is XXXX XXXX and I am writing this on behalf of my mom. 

XXXX XXXX Balance {$6900.00} Credit Card. I have never opened a credit card in my life. Credit Card date assigned XX/XX/XXXX. There are inquiry dates in XX/XX/XXXX. 
Inquiry for XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX. I don't speak English nor write, Called Consumer Services and Went to XXXX XXXX but they can not help me. 
I applied for the XXXX XXXX and during the application process we were told about this credit report. I don't know how to use the computer or apply for the credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Experian Information Solutions Inc.
State: TN
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 called Experian XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXabout some hard inquiries that I did not authorize. Experian told me that I would have to call each creditor, well I called the creditors XX/XX/XXXX,XX/XX/XXXXand they told me that I would have to call Experian because Experian is the only one to take them off. I called Experian and they said that they could not take them off. I even wrote a hard inquiry removal letterXX/XX/XXXX, providing my DL, SS card, a utility bill, and they sent me a letter back saying that they still could not take them off. This is very frustrating and unfair because I did not authorize those inquiries. It is a total of XXXX, that I didnt authorize. I only authorized XXXX XXXX, XXXX XXXX XXXX, and XXXX. The others I didnt authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
1. I paid {$270.00} for seat selection on XXXX XXXX. However, I did not receive {$200.00} reimbursement benefit as shown on my card.

2. I have spent {$5000.00} within 2 months after subtracting all refunds and annual fee. But I XXXX took my signup bonus away without any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO
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:
Ive reached out to this company. 
This is a result of identity theft not only has the lender or these people the debt collectors failed to give me one form of identification. The verification of debt that they sent me was just a print off of their computer screen saying I owe the money. Space they dont even know my Social Security number somebody went online and applied for an apartment complex in my name and never even moved in and theyre trying to collect {$360.00} for me years later when I have nothing to do with this I have a police report from the XXXX Police Department that verifies that I was a victim of identity theft and they still will not remove it. This is a result of identity theft not only has the lender or these people the debt collectors failed to give me one form of identification. The verification of debt that they sent me was just a print off of their computer screen saying I owe the money. Space they dont even know my Social Security number somebody went online and apply for an apartment complex in my name and never even moved in and theyre trying to collect {$360.00} for me years later when I have nothing to do with this I have a police report from the XXXX Police Department that verifies that I was a victim of identity theft and they still will not remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was informed by my banker ( 10 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report 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 2023-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Inquiry1 : Capital One, DateXXXX Inquiry 2 : XXXX XXXX , DateXXXX Inquiry XXXX : XXXX XXXX, Date XXXX XX/XX/2023 Inquiry 4 : XXXX XXXX, DateXXXX Inquiry 5 : XXXX XXXX, Date:XXXX Inquiry 6 XXXX XXXX XXXX, Date:XXXX Inquiry 7 : XXXX XXXX, DateXXXX Inquiry 8 : XXXX XXXX, Date:XXXX  Inquiry 9 : XXXX, Date:XXXX Inquiry 10 XXXX XXXX DateXXXX  Inquiry XXXX : XXXX, XXXX Inquiry XXXX : XXXX XXXX XXXXXXXX, Date:XXXX I am Hereby Demanding Deletion to the Invalid information XXXXhowing on My 'XXXX  ' Credit file. This is a violation Pursuant to My Fair Credit Reporting Act Section 1681b ( c ) a SERIOUS breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: CREDIT ACCEPTANCE CORPORATION
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 CREDIT ACCEPTANCE XXXX  XXXX ... XXXX XXXX ..XXXX XXXX XXXX ( Original Creditor : 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 2018-04-06
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:
I recently disputed collections ( XX/XX/2018 ) with all three of the credit bureaus ( XXXX, XXXX and Equifax ). I've asked them to validate these collection debts and all of my disputes were updated as verified with no further information. There are three collections : XXXX XXXX for {$340.00}, XXXX XXXX for {$870.00} and XXXX XXXX XXXX XXXX XXXX for {$460.00} ( I don't understand why 2 different debt collectors are able to collect ). I do not recall opening these accounts nor have I given permission for anyone to open these accounts. The credit bureaus have not validated these collections ( I did not sign any contracts or anything ) ; just verified and that does not prove how these collections have come about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Company: Experian Information Solutions 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:
There is a XXXX  XXXX Bankruptcy from XX/XX/2018 reporting on my Credit report which is fraud ; because I have an letter from the United states Bankruptcy Court stating that they do not provide information regarding case filings or disposition to the credit reporting agencies. Also the United States Bankruptcy court states in the letter that it does not have a relationship with the credit reporting agencies. Also you can contact the United states bankruptcy court at ( XXXX ) XXXX. The United States Bankruptcy Court 's information is in the letter that i provided.

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 acount without my written instructions

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 2020-05-26
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Tuesday, XX/XX/2020 Equifax XXXX XXXX XXXX XXXX, GA XXXX Attention : Complaint Department On XX/XX/2020, I sent a letter to your agency disputing certain things on my credit report. On XX/XX/2020, I received an email that my dispute could be viewed online. By law, your agency was past the 45-day mark of responding to my dispute letters. The first issue that I have is, I never provided my email address to your agency in my dispute letter. How did you retrieve my email address? I created an account to view the information and was having difficulties pulling the report. I contacted your customer service department on XX/XX/2020, in regard to gaining access to view the results of the credit dispute. At that time on XX/XX/2020 at XXXX XXXX, I requested that my dispute results be sent via mail within 7-10 business days. As of XX/XX/2020, I have failed to receive those results. On XX/XX/2020 at XXXX XXXX, I received another email stating that I should be able to gain access to www.myequifax.com. On XX/XX/2020 at XXXX XXXX, on XX/XX/2020 at XXXX XXXX, on XX/XX/2020 at XXXX XXXX, and XX/XX/2020 at XXXX XXXX, I sent screenshots to customer.care@equifax.com to show that I am still not able to access the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XXXX XXXX I purchased an auto from XXXX XXXX. At the time of financing they ran a unauthorized credit search to a number of finance companies. My credit report list four ( 4 ) inquiries on the same day ( XXXX XXXX ). I have asked TransUnion to remove these unauthorized inquiries.

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 2019-02-22
Company: Allied International Credit Corp., (US)
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from AIC- Allied International Credit Corp. , informing me that I owe to XXXX current amount {$300.00}. I contacted XXXX  and received a confirmation email with {$00.00} balance. ( email from XXXX attached ) Please review my record /supporting document attached, and make sure the fraudulent amount will not be reflected under my credit report.

Company response to consumer: Closed with explanation