BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report : XXXX XXXX XXXX, US SM BUS ADMIN ODA, 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 2020-07-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have a collection on my account from XXXX XXXX total amount was {$3000.00}. I logged into my case online on XXXX and was offered to settle for one discounted payment of {$2000.00} to which I accepted and made the payment. I have attached screenshots of both the offer, me submitting the payment and the payment clearing my account. XXXX updated my credit report to show that now a current balance of {$1000.00} remains and is in collections, rather than showing a {$0.00} balance & closed/settled for less than full balance or just altogether deleted from my credit report. 

I filed a dispute through experian.com on XXXX in which I provided the same screenshots provided with this complaint showing the settlement offer and my payment being made and cleared. However, today, XXXX, I just received notice that my dispute results were ready and that the information reported is accurate. However, it is NOT accurate and I provided evidence to that fact and now and am unable to dispute the debt again online.

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 2020-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
These are not my accounts nor did I file Chapter XXXX bankruptcy. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Paypal Holdings, Inc
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2021 through XXXX XXXX. Complaint with PayPal concerning unauthorized charges ( fraud ). 
See attachments, for explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Experian Information Solutions 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:
I checked my report and found this information on my report. please delete the credit bureau are horrible to me this is not mines XXXX  Date : XX/XX/XXXX, Account # : XXXX, Amount : XX/XX/XXXX, Payment : Current, Issue : Identity Theft XXXX XXXX  XXXX Date : XX/XX/XXXX, Account # : {$200.00}, Amount : --, Payment : XXXX XXXX Issue : Identity Theft XXXX, Date : XX/XX/XXXX, Account # : XXXX ( XXXX XXXX, Amount : --, Payment : --, Issue : XX/XX/XXXX XXXX Date : XX/XX/XXXX, Account # : XXXX XXXX Amount : --, Date : XX/XX/XXXX, Issue : Identity Theft XXXX, Date : XX/XX/XXXX, Account # : Collection/Chargeoff, Amount : {$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 2018-05-05
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As, I was checking my credit report I have come across that this company is on my report. stating that I owe XXXX XXXX dollars.This is only being reported on one report which is XXXX.I don't owe them anything. I have XXXX XXXX in my name as I am writing this statement. Which my account with them is XXXX dollars. So please explain to me how this is on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: EQUIFAX, 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:
I contacted XXXX XXXX in reference to a fraudulent XXXX University account that is now in collection with them. I have never attended XXXX and this account was fraudulent. Per my email conversation with XXXX XXXX XXXX, this account was to be deleted from my credit file. As of XX/XX/19, this fraudulent collection account is still reporting on my Equifax credit file. Per Equifax, this account is valid per XXXX. This is not my account and this collection is causing a major detriment to my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-25
Company: ALLY FINANCIAL INC.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ally is asserting that a debt is owed of around {$12000.00} on a returned lease vehicle fees, but the lease was not returned, but rather it was purchased to avoid the expected fees. I have a copy of the released title of the vehicle from the North Carolina Division of Motor Vehicles, as well as a payoff receipt indicating that the payoff listed on my contract was satisfied. Ally has deliberately prolonged this collection efforts due to a personal vendetta against me due to words exchange between Ally 's representative XXXX XXXX and I.This has been a negative mark reported to the credit bureau that has falsely ruined my credit. I believe this is a personal attack brought about by XXXX XXXX trying to tarnish my credit and force legal action and drive unnecessary expense. I've asserted the same thing for over 3 years now, and Ally takes 6 months for a response each time I send correspondence.

Ally has since hired legal counsel to harass and collect debts and has threatened legal action despite my assertions being the same over the years that NO DEBT IS OWED ON THE PURCHASED VEHICLE.

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 2021-05-29
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
After thoroughly looking through the OPENING loan disclosure documents provided to me XX/XX/XXXX, the FAQs on the loan servicer 's website, and TILA, I have discovered that I am still missing the APPROVAL and FINAL disclosure documents required to be given to the consumer in accordance to 12 CFR 1026.47. These THREE documents are still not accessible. As I was not provided with my FINAL disclosure, I was not given my payment schedule, ultimately allowing the servicer to pick and choose my billing cycle and payment date, which violates 12 CFR 1026.47 ( b ) and 12 CFR 1026.47 ( c ). Since XX/XX/XXXX, my payment date and billing cycle have changed at least one time. As the due date has apparently changed, I have no way to verify what the actual due date should be and I am still not receiving the statements in a timely manner so I can make the payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I purchased an XXXX Computer, an XXXX, and was induced to purchase the product on an 18 month deferred interest payment plan on the Barclay Card. So I opened the XXXX/Barclay Card account, when through numerous steps both online, at the XXXX XXXX, and over the phone with Barclay to make sure I was eligible for and had received the 18 months deferred interest payment plan. I was told several times that the deferred interest would show up on the next Barclay Card statement. It never did and they have been charging me interest on my payments for 13 months.

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 2018-05-05
Company: Ad Astra Recovery Services Inc
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive asked several times for proof the debt belongs to me and I keep getting the same paper with printed signature not hand written signature to prove its mine which it isnt!!! Im tired of going back and forth about this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
i bought my XXXX sunglasses on XX/XX/2017 from the store in XXXX mall and they did not fir so I returned it on the same day.Sales associate did not have a replacement so she put the refund back on the gift card and she used it to order them online on the same day. The ones I got from the online order did not fit me either so I returned them on XXXX XXXX and I have a receipt and I told the sales associate to put it back on my card and she said she did. Now after a month I got a bill with a balance and I called them and they said they will fix it, but they did not until the due date so I paid the minimum balance twice at a total of XXXX dollars. After two months they did not resolve it and keep giving me different answers like it is wrong receipt or sunglasses and even after closing my account they wont resolve the dispute. Now they tell me that I dont have to pay anything or late fees and they will investigate, I keep waiting but they dont give me a actual response. Please help, I don't want my credit score to get affected.

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 2020-07-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Equifax is reporting this account with no Creditor information. I have sent multiple letters requesting an investigation and asking to have this incomplete record removed. Equifax refuses to remove this incomplete record. 
Account number XXXX Collection opened XX/XX/2016 Account type Collection Account Paid off : 0 % Balance on Loan Amount {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV
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:
My XXXX  XXXX XXXX was involved in an accident that was not my fault. Toyota received a settlement check from my insurance company in XX/XX/2018. As of today they have not send the info needed to my gap insurance company. Apparently it is a copy of the check they received from the insurance company. I hired an attorney to help me resolve this issue and my attorney says they called Toyota several times in the past three weeks and Toyota says the hold up is an internal issue at Toyota and the check copy has not been uploaded. My attorney told them that this is negatively affecting me and Toyota just says they can't do anything about it. Their departments that upload paperwork are not located where they are so it's just tough luck and I have to wait. It's now been several weeks and we asked them for a timeline and Toyota just tells my attorney there is no timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: BROKER SOLUTIONS, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my loan with New American. They were my prior lender. My loan was to close in XXXX but they made a few mistakes and had to redo the papers. It was agreed it was not an error on my end as I signed the documents their agent brought to my home days early. 

I was not to pay PMI for the months of XXXX and XXXX but I recently received my statement and despite being told I would not be charged, I was. 

I have been charged XXXX for XXXX and XXXX respectively and I am requesting a refund

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
{$94.00} was taken from my Wells Fargo account on XX/XX/18. I added my wife to my account. The banker did not inform us that she owed money or that Wells Fargo would be taking money. Wells Fargo could not tell me why they could not contact me at any time during this process and inform me that they'd be draining my account to XXXX They could not explain why they didn't give me the opportunity to settle the debt or how much more they would be taking. I asked them if it was typical Wells Fargo fraud to allow someone with a debt to be added to someone else account simply because they know I will always have money to pay them. I asked them if these are the types of tactics that have them in all these settlements or lawsuits. I asked them if this was retaliation for me adding my name to the settlement I was emailed about. They had no response other than go to the local branch and ask them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: EQUIFAX, INC.
State: TX
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 have a loan with XXXX XXXX  XXXX XXXX, Colorado, last 4 digits XXXX. I paid {$200000.00} against the loan on XX/XX/2020. When I accessed my credit report in XXXX, 2020 I found that the loan balance had been updated only by XXXX  but not XXXX  nor Equifax. I submitted disputes, at great effort and uncertain success, but the balances have not changed. This is affecting my credit score with both of these bureaus. How may I get this fixed?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Since the shelter in place, I effectively cash checks at Chase Bank, N.A. which are written by my mother, a senior, consumer, and natural person. My mother instructs and authorizes me to use her card and account to handle her business during this time. In XXXX, XXXX, XXXX, and XXXX, I have cashed her check and paid her bills. Today, XX/XX/2020, employees at Chase bank have told me that there has been check fraud during those months. These are checks that were handled at the teller window every time. I feel violated that they made this claim against me, a consumer and natural person, especially when that were given all the information necessary, required, and asked of me every time. The Chase Bank is located in XXXX XXXX, California and is on the corner of XXXX XXXX and XXXX XXXX. The zip code is XXXX. The checks have been made out to " Cash ''. Today, the teller, after claiming that I have been committing check fraud, required that I travel back to my mother so she can write my name on the pay to the order of line. I obliged them only to find upon my return that they require an {$8.00} fee. These claims and requirements are inconsistent and are in violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I just made a {$1000.00} payment on my credit card balance of {$3000.00}. Two days after making that payment to my credit card company I get an email that my limit has been decreased. I make substantial payments on all of my credit cards at the same time and this is the only company that lowered my credit limit immediately after. Since 2012 when I opened the account I only made the minimum required and maybe a few dollars more but not a {$1000.00} more. 
Now by them lowering my limit is showing me over the limit after making a {$1000.00} payment to this account. 
I'm trying to oncrease my credit score and this credit card company lowered my score before dubmitting my new balance to the credit bureau. 
I called and asked why they lowered my limit. I was yold based on the credit bureau report. If that's true then the credit bureau gave themXX/XX/XXXXs information whenXX/XX/XXXX was sent by all of my credit card companies. 
If they had used my XXXX payment information my credit limit would have gone up or stayed the same because all of my credit card companies were paid off or pay down to half or a third of the balances. This is how credit bureau 's stay in business by reporting out dated information to credit card companies and this is one way credit card make money off of cardholders by getting over the limit fees that they created.

Before I made my {$1000.00} payment I was nit over my limit and now that I made my big payment I'm over the limit and that's because they lower mu limit right after I made that payment to better my score and to payoff my debts.

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 2020-08-21
Company: CITIBANK, N.A.
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In XXXX, we applied for and received a home equity loan on a second home we built for {$250000.00} from CitiMortgage. 
In XXXX, we filed personal and business bankruptcy and had some struggles paying the second mortgage, In XXXX, we negotiated a settlement with CitiMortgage. The settlement was to reduce the loan amount from {$250000.00} to {$60000.00}. We received only a letter ( attached ) for the settlement. We have never received any terms or conditions. Over the course of the years since XXXX, we have missed some payments. 
We have asked for statements and none have been provided. 
We called them last year to learn of the payoff amount and it was provided with no indication of any issue. 
We are in the process of selling this home and called CitiMortgage and were told the payoff amount and then were told that the settlement offer was null and void. We have never received any notification of this action on the settlement. 
I do not understand how they can just say it is null and void with no notice at all??? 
I am attaching our original offer, their offer letter back to us ( XX/XX/XXXX ), a recent letter we sent regarding this issue, their letter back to us stating our offer was insufficient

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 2020-08-21
Company: Experian Information Solutions 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:
These are not my accounts. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: Convergent Resources, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent Outsourcing is reporting to XXXX  that I have an unpaid collection account with XXXX from XX/XX/2019. I have had no such account with XXXX nor with Convergent Outsourcing from 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 2020-07-29
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
MY INFORMATION WAS USED IN A DATA BREACH ACCOUNTS WAS OPENED IN MY NAME WITHOUT ME KNOWING.

Company response to consumer: Closed with explanation