BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-29
Company: Social Finance, Inc.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Approximately one month ago I reached out to Sofi to take the loans my parents took out ( Parent Plus ) and to refinance them into my name. I was told I would be getting them for {$650.00} per month at an interest rate of 5.25 % after auto-pay discount was put into my name. I have this over 12 emails - where  customer service employees told me this was the right amount. I was then given paperwork to fill out for a monthly loan of {$700.00} at a rate of 5.25 % post auto-pay discount. I was told by 3 employees - over the phone and over email that this monthly rate would go down to {$650.00} per month. 

When I was then approved for the loan, I went ahead and filled out an application for an apartment where I was under the assumption I had {$50.00} extra to use for my utility bill. Then I went to sign the final paperwork - after my loan approval - and asked to verify that the {$700.00} would go down. I was then told by multiple employees that " this was an internal bug '' that has since been fixed but I should go ahead and sign. To be honest, this feels like the definition of a bait and switch where I am being scammed into a price that I did not initially agree to, and was told would be a lower amount. I have tried to have conversations with them and they seem to not have any interest in reaching out. Is there anyway you can help?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: Grant & Weber
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mine. This may be a medical bill for my son who was covered by XXXX. Also, I have never received a bill for this from the original creditor.

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 2022-04-27
Company: ALLY FINANCIAL INC.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I went to XXXX XXXX XXXX XXXX in XXXXXXXX XXXX  in late XX/XX/XXXX and traded in a XXXX XXXX XXXX which was financed by Ally Auto Financing. All paperwork was signed and I thought everything was fine. I got a call on the last week of XX/XX/XXXX by the finance manager at the dealership telling me they screwed up the paperwork and I needed to come re-sign. I did this and then realized because of their paperwork screw up, they had not released the payoff amount for the XXXX truck to Ally Auto. When I check my credit report on XX/XX/XXXX, the installment loan through Ally had been reported 30 days past due because they did not receive the payoff in XXXX. 
I notified the dealership and finance manager. The finance manager said he would check into it. He never returned my call and was always " out of the office '' when I called back. 

After this happened, my credit score dropped over XXXX points. And it is still negatively affecting my credit rating.

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 2022-04-27
Company: Experian Information Solutions Inc.
State: IL
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 checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX XXXX / XX/XX/2021

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 2022-02-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, And, XXXX XXXX XXXX, has Fradulent accounts on my credit profile that needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
To Whom it may concern, On or about XX/XX/XXXX I received a call from Capital One bank informing me that they had identified potential fraud in a checking account. They explained to me they had identified that business checks made payable to XXXX XXXX XXXX were being deposited into a personal checking account at Capital One. After confirming I was the owner of XXXX XXXX, they sent me copies of the checks. I was able to use the information on the back of the check with my payroll system to identify that my employee XXXX XXXX had stolen the checks from the mail and deposited the checks in her personal account. 
Not only did XXXX XXXX not have authorization to deposit XXXX XXXX checks, XXXX XXXX deposited the checks in her personal account with nothing more than a scribble on the back of the checks using remote deposit. ( See attached ) It is undeniable that that Capital one used no care at all when depositing the checks made payable to XXXX XXXX XXXX into the personal account of XXXX XXXX. In conclusion Capital Ones negligence allowed a criminal to steal checks from the mail and deposit them into their own personal checking account. 
I am asking the CFPB to advise Capital One of their responsibility and obligation to refund the money to the payor banks so that checks can be reissued to XXXX XXXX XXXX. Capital One has decided that the cost of litigation will dissuade us from taking legal action. This is completely immoral, unethical and wrong. A small business should not have to lose money simply because we dont have the resources to enforce the law. The UCC statutes are clear that Capital One is responsible to refund the money. Please help us!!!!!!! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: DISCOVER BANK
State: MI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Discover paid a merchant XXXX XXXX XXXX  {$100.00} on XX/XX/XXXX. I disputed the amount as I had no idea what it was for. Nobody could tell me what it was for. Apparently back and forth they paid XXXX, gave me a credit, paid the merchants and then gave me a credit. Finally on XX/XX/XXXX they stated the merchant XXXX was paid however, no proof has been provided they were paid and it is NOT on my statements I have poured over. Discover.com sent me an email attached stating they took the credit back from me and still have not provided me proof they paid the vendor. Only verbally have they told me. They said XXXX was paid on XX/XX/XXXX, XX/XX/XXXX and tons of other dates. I have 1 screenshot of a payment made to XXXX on XX/XX/XXXX. This has gone to collections with XXXX XXXX XXXX stating I owe the money yet have not validated the debt. XXXX was contacted as well and escalated the issue with nobody calling me back either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: EQUIFAX, INC.
State: WV
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 sent multiple letters to equifax in regards to unauthorized and unverified inquires on my credit report. I am very stressed and need these erroneous inquires DELETED from my credit report immediately. 

1. XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX 2. XXXX - XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XXXX/XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 continue to resubmit information regarding fraudulent accounts that don't belong to 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
Consumer complaint received 2021-06-13
Company: EQUIFAX, INC.
State: IL
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 XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
am having trouble trying to get verified with my Citi Bank Credit Card everytime i call customer service they are giving me a a hard time trying to verify the phone number register on my account and Citi Bank Place a restriction on my Credit Card due because of this issue and i cant use my account or use my credit card with citi bank and i paid {$200.00} Dollars to open this secured card with citi bank and i dont understand why citi bank is giving me a hard time and no letting me use my card and my account for verification purposes and i really should not be having this problem please help me with this problem

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: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
I've called chase credit card several times trying to get a payment arrangement due to my business account closing from covid. They told me that I didn't qualify since I didn't make enough money. Each time I called in. I was still Making payments but not the full payment. After they sent my account to the credit bureau they finally said I qualify to lower my payments and closed the account I went and got a loan to pay the card off. I paid the card off in XX/XX/XXXX. Got another bill stating i owed XXXX I called am then again and made the payment in this conversation the canceled my Monthly payment. I logged into my business checking account XX/XX/XXXX to see they made 4 attempts to collect money on my closed paid in full account. Now I'm negative in my business account from fees. 

I've spent hours and hours in the phone with chase trying to pay my bill and asking about these fees. I constantly get transferred to wrong departments over and over again. I've day I spent 2hrs with them and was transferred 8 times. There are lots of notes in my account I've asked for mangers to only to have them say someone will call back within 72hrs with no call back Chase does not care about small business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been paying my student loan on a monthly basis yet my balance seems to continue to increase. 
Representatives are not consistent with information. I 'm told something different each time I call regarding my loan and payment options. Something does not seem right with this servicer!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX I made a cash deposit at a BBVA compass ATM machine located at XXXX XXXX XXXX XXXX TX XXXX. The machine prompted " we 're sorry your cash has been retained ''. I contacted them right away and was put through series of questions like I was trying to steal {$54.00} of my own money from BBVA. They provided me with a dispute # XXXX. They stated they will contact me back but they never did. I called and emailed over 5 occasions and was passed on from one department to another and even to the branch itself. Today is XXXX/XXXX/17 and I still do not have my money that I deposited on XXXX/XXXX/17. Everyone there keep saying that they 're limited to what they can do. Please assist. I even asked for their executive relation but was not successful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
bank of america has blocked the access to my online banking on XX/XX/2020 and they said that someone has used my card without my authorization I thn checked my credit report Since my online banking was blocked and I found a unuauthorized charge I have then sent a credit card unauthorized charges dispute letter to the XXXX office email adresses found on XXXX advocacy and a certified mail letter with return receipt to their credit card mailing adress I can provide the proof if needed They have ignored the credit card dispute for unauthorized charges and they still continued to request the payment of the fraudolent charges and using robo calls They insisted to talk over the phone but they ignored the emails I want to ease their mind once again and explaine them what internet banking means, internet means internet and not a voice phone line somwone answered by email only to request to talk over the phone, again they need a corporate psychologist then she ignored my email answers and she never answered again by email, but they insisted to contact my phone number with the bank of america robocalls now my credit report is showing a delinquent account when it's not

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 2022-04-27
Company: Experian Information Solutions Inc.
State: IA
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 occasionally check my XXXX Score and found it suddenly dropped a few months ago. I recently checked my credit report and found two cases of apparent purchases, I suppose in my name, that were sent to collection. Neither of these are legitimate accounts. One for XXXX XXXX XXXX, which I have not had an account with since last century, and XXXX, which I never had an account with. 

I've tried to dispute these claims through Experian but have not had any resolution.

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 2019-07-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
In XX/XX/2018 I discovered a XXXX XXXX XXXX Visa   XXXX ( XXXX ) credit card on my credit report. I called the bank and they said I opened this account some two years earlier. I reviewed my records and I believe that this account is not mine and I contacted XXXX  and told them this account was not mine and that they should close it asap. 

The account has a XXXX  balance and they refuse to remove this account from my credit report.

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 2022-10-03
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Account is closed, paid off and equipment returned. Company is now claiming I owe it money.

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 2022-04-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX and the three bureaus have intentionally placed incorrect information on my report about this account that has affected me from housing and other extremely important things I need! I ask that this information be removed due to the fact of this car was voluntary surrender but Experian and the other two bureaus have said it was repossessed which is incorrect and by law the bureaus most remove all incorrect information immediately! I have repeatedly disputed it several times Im now requesting for help to remove this and or correct it

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 2019-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Dear TRANSUNION : I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly DELETE XXXX Inquiry Made : XX/XX/XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX  XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX  XXXX Inquiry Made : XX/XX/XXXX XXXX  XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX Inquiry Made : XXXX 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 2017-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have filed a dispute regarding two old tax liens but was told information is accurate. They have been removed by XXXX and XXXX but TransUnion is still showing them. One from tax year XXXX ( showing as reported in XXXX ) the other is from tax year XXXX ( showing reported in XXXX ). Both have been paid. <P/>According to NYS law - N.Y. GBS. LAW 380-j : NY Code - Section 380-J : Prohibited information ( f ) ( 1 ) Except as authorized under paragraph two of this subdivision, no consumer reporting agency may make any consumer report containing any of the following items of information. ( i ) bankruptcies which, from date of adjudication of the most recent bankruptcy, antedate the report by more than fourteen years ; ( ii ) judgements which, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period ; or judgments which, from date of entry, having been satisfied within a five year period from such entry date, shall be removed from the report five years after such entry date ; Therefore - both of these are satisfied as paid within 5 years and entry date more than 5 years prior. I believe these should both be removed from the remaining credit report.

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