BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-06
Company: I.C. System, 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 status incorrect

Complaint:
I was charged for XXXX work that I did not receive and that did not meet the standards of the XXXX Board of  the State of Texas. Further I was overcharged for the shoddy work by a factor of 200 %. The XXXX threatened to report me to credit agencies unless I paid the bogus charge or gave her my auto. she reporte me to a collection agency and I submitted a large amount of information twice to the collection agency ( which she hired ). The collection agency found me in arrears and demanded that I pay them the amount due. I subsequently went to the XXXX board of the State of Texas with a formal complaint. They asked for additional information twice and then brought the XXXX before the Board. The Board found the XXXX to be at fault and reprimanded her along with stipulations and a fine as well as attorney fees and costs. This did not ease my derogatory credit remark on the bogus claim.

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 2021-04-30
Company: American Credit Acceptance, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
American Credit Acceptance is administering my car loan payments in a fraudulent way. I signed a XXXX year loan ( from XX/XX/XXXX to XX/XX/XXXX XXXX for a XXXX XXXX XXXX. It's Year Seven and I am still paying on the loan AND THEY CLAIM THAT I STILL OWE {$15000.00} ON A {$29000.00} loan. They are fully prepared to charge for the next three years. That's 10 years for a 5 year car loan. Please help me get my Title from American Credit Acceptance. I am now at my Maturity Date and I have made all of their payments and XXXX additional payments in interest. They still want more. This is unfair. They are taking advantage of 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 2021-03-30
Company: Paypal Holdings, Inc
State: FL
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/2020 I received an email from PayPal stating that my account was currently limited and that i had to take some steps to resolve the issue. I completed such steps and everything was fine. On XX/XX/2020 I received an email from pay-pal stating that my account is permanently banned and that after 180 days any money on my account will be released. There is over XXXX on my account that was supposed to be used during this pandemic. No Pay-Pal representative has told me any reasons to why they limitation was placed on my account in the first place. My account had been limited since XXXX. its been over 180 days and my money has not been released. pay-pal representatives state that an email will be sent to me and I haven't received one yet. They say that anything else after that is out of their control but I believe that is false. I was told a deadline on when my funds will be released and it is past due. My email linked to my Pay-Pal account is XXXX. This situation has dealt a great tragedy. 
I just want to remove my funds and discontinue the use of pay-pal services. Any help from you guys will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have spent an enormous amount of money and time writing, Certified Mail cost and hours on hold to all three credit reporting agencies trying to clean up credit reports. Two of the hard inquiry complaints once were removed only to re-appear. 

While XXXX is the worse company to deal with, my experience with Transunion has generally favorable. XXXX has been very helpful. 
I have recently had a had experience trying to get unauthorized hard inquiries removed.

The following two hard inquiries were once removed and we're unauthorized. I never applied or signed a credit application. Unless Transunion has a signed application for these two and the others then they should be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX / Inquiry Date : XX/XX/XXXX ( Auto Dealer ) XXXX XXXX XXXX / Inquiry Date : 1XX/XX/XXXX ( Auto Dealer ) XXXX XXXX XXXX XXXX / Inquiry Date : XX/XX/XXXX ( Bk. Credit Cards ) XXXX XXXX  / Inquiry Date : XX/XX/XXXX ( Bk. Credit Cards ) It is not right to punish a person for unauthorized hard inquiries. 

XXXX XXXX 3XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: EQUIFAX, INC.
State: NJ
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 am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 


This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I called my bank which is Chase on the week of XX/XX/XXXX. I asked a question of how XXXX XXXX   XXXX works. The operator told me that my account is secure through the bank and all funds would be protected. I made a purchase on XX/XX/XXXX to a online company through XXXX by the name of XXXX the purchase was for {$950.00}. As of today i never received my items, a email of confirmation, a tracking number or nothing of that sort. I was informed from another purchaser that the page was a scam and fraud, that they have been taking money from people for a while now and not sending the items. I called my bank ( Chase ) on XX/XX/18 to put in a Claim because I was informed from the operator earlier in XX/XX/XXXX that my funds would be protected. I called my bank informed them of all the information I received and how I found out that the page is a scam. My bank told me it was nothing they can do because i authorized the payment through XXXX XXXX. I then told my bank but since now finding out that the account was a fraud i was duped out of my money. I told my bank I have copies of the conversations between me and the owner of the boutique. My bank didnt care to listen to my argument and straight out told me Im lost out on almost {$1000.00}. Is there any way you can help me get my funds returned please!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am the victim of identity theft I have recently have information to believe that my identity has been compromised I was recently engaged to someone who has access to my personal information and have reasons to believe accounts where open or have been maintained without my consent or prior knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Contacted XXXX XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2021, via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Exeter Finance Corp.
State: CA
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:
XX/XX/2017, I took my niece to the car dealership to look at some cars. They ran her credit and said she needed a co-signer. I was told by the salesperson that I would be able to co-sign for her vehicle after he ran my credit with the bank. I discovered later that he ran my credit 4 times with 4 different banks without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have already tried reaching out to this credit bureau about fraudulent accounts that have been reporting on my credit and nothing has been done to solve this issue. There are still accounts reporting that do not belong to me and I want these items re disputed for further investigation. I was a victim of identity fraud and my personal information was used to open these accounts without my knowledge.

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 2021-04-30
Company: CITIBANK, N.A.
State: IL
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 received a mailer to apply for the Citi / Aadvantage platinum select credit card. 
The terms on the offer clearly state " EARN 60,000 AMERICAN AIRLINES AADVANTAGXXXX BONUS MILES AFTER SPENDING {$3000.00} IN PURCHASES WITHIN THE FIRST 3 MONTHS OF OPENING YOUR ACCOUNT. AMERICAN AIRLINES AADVANTAGE BONUS MILES ARE NOT AVAILABLE IF YOU HAVE RECEIVED AMERICAN AIRLINES AADVANTAGE BONUS MILES FOR A NEW CITI AADVANTAGE PLATINUM SELECT ACCOUNT IN THE PAST 48 MONTHS. The same terms are listed clearly on their website - https : //creditcards.aa.com/citi-platinum-card-american-airlines-wand/? utm_medium=referral & utm_source=aa & utm_campaign=ccpage I accepted the offer and was approved XX/XX/XXXX. I met the requirements for this bonus XX/XX/XXXX. I previously had applied for this card XX/XX/XXXX and received a sign-up bonus on this card XX/XX/XXXX, so I met the terms of it being 48 months from the last time I received this bonus. When I called Citi bank they told me I wouldn't qualify because I had the card open in the last 48 months. I told them it doesn't state that anywhere! Not on their website, on the application, not in the disclosures. That is a bait and switch making up rules where I wouldn't qualify that aren't made known anywhere, and when based on the mailer I received and the application page of their website I have met the requirements and would qualify for the sign-up bonus. This is unethical behavior! My sign-up bonus should be honored!

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 2018-10-07
Company: FINEX Group LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a voice mail on my phone number that has not been used in 3 years saying that she was XXXX XXXX from financial group with FINEX GROUP collecting a " Debt ''????? Call her at XXXX XXXX XXXX XXXX I did not return this call because I OWE NO ONE. I have NO CREDIT CARDS< I HAVE NO CAR PAYMENTS< I HAVE NO MORTGAGE, I HAVE NO DEBTS!!! These low-lives are all over the Internet with similar complaints. Put them in jail, out of business, deport, fined, whatever it takes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
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:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Capital One Bank USA, XXXX XXXX, and XXXX XXXX. The Account Opened is Capital One Bank USA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$410.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't Navient student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Selene Finance LP
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I found out about the HJR 192 law. I went into foreclosure, paid Selene Finance the XXXX, Out of retaliation, Selene Finance sent me out a XXXX bill due in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$430.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
My account has been under review for more than 9 months. I have uploaded my ID documents 5 times and everything is correct. I have bought and sold cryptocurrencies up to 10 months ago normally, but I have not been able to trade for more than 9 months. 

I opened 3 tickets with the numbers # XXXX # XXXX and another. 

However, I have not gotten any solution. 

My money has been blocked for more than 9 months and it is impossible for me to operate. I don't know what other action to take.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-07
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: Information belongs to someone else

Complaint:
Bank of America Account # XXXX XXXX XXXX XXXX opened in XX/XX/2009 appears in my XXXX credit report as a derogatory info as being charged off for {$3300.00}. Shown as an authorized user.

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 2020-06-06
Company: Experian Information Solutions Inc.
State: MS
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'm have credit reporting problems with Experian, there are accounts and addresses that they refuse to take of credit, I have supplied them with documentation of my Identity theft, I have submitted police reports in according with Sec. 605b of the FCRA I have asked them the block information. 
,

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 2018-06-12
Company: SYNCHRONY FINANCIAL
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A judgment was filed for a previous debt of {$1400.00} on XX/XX/XXXX. The debt was made by my mother who died on XX/XX/XXXX. The judgment is based on collateral of her home. On XX/XX/XXXX a request for payoff was submitted to XXXX XXXX in order to complete the sale of the home my mother owned. The company was forwarded other requests prior to the XX/XX/XXXX request by the attorneys closing the sale, but got no response. The buyers of the house have suggested backing out of the deal due to the lack of response from 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 2018-06-05
Company: EQUIFAX, INC.
State: NY
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:
Equifax must be shut down immediately. This disgusting excuse for a company is ruining the credit of good people. I was recently informed when I applied for a loan that I did not have any " real estate '' accounts on my credit with Equifax. I found this strange since I have a paid off mortgage with XXXX XXXX. I go on XXXX XXXX and pull my report and find that the mortgage is not classified as a real estate mortgage, rather just a regular loan. Of course, it's correct with XXXX. Equifax can't be bothered with correct information or the safety of consumer information. So I call in to Equifax and ask to speak with Consumer Affairs since I have had numerous problems with Equifax previously and this is who they told me to contact going forward. The person who took the call could barely speak or understand English and refused several times to transfer me. I told him that I would file a CFPB complaint stating that he refused to help me and he said that was fine. This is the type of company they are, absolutely no regard for the law. company. They hire people who can't perform even the most basic functions of their jobs, they ruin the credit of good people, and they get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I bought out my car lease on XX/XX/XXXX with the amount that was quoted by Ally auto ( {$19000.00} ) On XX/XX/XXXX they updated my account information that the car was paid off and the balance is XXXX dollars. It has been a week and they are not sending me any paperwork like the odometer reading statement for me to sign or bill of sale. This is all done by email, these are all standard forms. The amount of money I send them isn't a small amount of money. I need help. I called them many times and they tell me to wait that this paperwork takes time. When I called them ti get a timeline of how long it takes, they tell me a whole different story of how fast its done. 
Please help me.

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