BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-30
Company: General Motors Financial Company, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XXXX XXXX there was an unauthorized credit inquiry made on my credit report by Americredit. this seems to be an auto financing company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened two traditional Fifth Third Bank accounts and one Illinois Able specialized account but Fifth Third Bank is preventing me from activating my debit cards and denying me access to online banking. This is because according to Fifth Third Bank customer service representatives all new customers who open new accounts must wait 30 days for security reasons before they are able to use their accounts. But no such policy is made known to customers at the time of opening their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/XXXX, I took advantage of a promotional rate offer by my Bank of America credit card, that included a 3 % transaction fee I went to there website and set up auto pay to make payments to mentioned credit card on the due date. XX/XX/XXXX was the due date for that month which fell on a Saturday, the payment was not debited form my bank account. I called on Monday XX/XX/XXXX and was told by there customer service representative " the payment will post on Tuesday '' it did not and I was charged a late fee. I called customer service again and spent 45 minutes on the call and was informed that the auto payment did not process and since I did not pay on time the promotional interest was cancelled and the balance on the credit card would be charged a default rate which is considerably higher than the promo rate.I now have to transfer the balance of the credit card to a higher interest rate credit card. I attempted in good faith to meet my requirement set fourth by Bank of America and and was mistreated due to an error on there part

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-29
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
THIS ACCOUNT FROM XXXX ACC # XXXX, IS REPORTING ONE LATE FROM XX/XX/2014 TO THE CREDIT BUREAUS WHICH I BELIEVE THAT NEVER HAPPENED, IT MUST HAVE BEEN A BANKING ERROR, PLEASE HELP ME TO RESOLVE THIS SINCE THEY ARE NOT WILLING TO REMOVE THIS ALTHOUGH I HAVE PROVIDED THE CREDITORS APPROVAL LETTER TO THEM FOR APPROVAL TO REMOVE THE LATE PAYMENT INACCURACY. 
PLEASE FIND ATTACHED THE CREDITORS LETTER THANK YOU

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 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Car was deemed as a total loss and paid off by insurance and gap insurance

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 2018-05-06
Company: EQUIFAX, 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:
In XX/XX/XXXX I pulled my report and noticed there accounts that I had no recollection of. I since have sent letters from XX/XX/XXXX to the latest XX/XX/XXXX to get this resolved. Each time they claim it was verified with no supporting documentation as requested. I have also noticed the dates are innacurate as well. They have a fall off of XX/XX/XXXX and XX/XX/XXXX when they both should actually be XX/XX/XXXX. This shows me that no one truly verified anything because this would have been corrected by now. I have reached out many times to them and they each time is a new excuse. They either can't ready my I'd which I have copies of everything sent. They have been unable to tell me who and how anything was verified and tell me just dispute it again and again. The system was down or could be pulled up or they weren't sure what I was asking of them. Each letter I sent does have tracking information as well that they did receive it.

Equifax has added and removed these over and over from what i can tell in my credit monitoring updates.

Attached is the accounts in question. Equifax has not sent me an updated report so I will upload experians. Looking at my credit monitoring it shows the same pattern and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01
Company: JPMORGAN CHASE & CO.
State: MD
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:
I was told to contact XXXX XXXX XXXX at XXXX, They declined to provide any information. This was last week. The report was filed by Chase but my own bank XXXX XXXX XXXX also refused to open a business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: EQUIFAX, INC.
State: PA
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:
Car was deemed as a total loss and paid off by insurance and gap insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/2021, I sent a dispute to XXXX, XXXX, and Transunion. These credit bureaus, are reporting incorrect information on my credit report. I have no late payments ; Its been well over 40 days and I have not received a resolution to the described.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2017, I received a copy of my credit report. In detailed it listed an account by XXXX XXXX- XXXX XXXX ; I have never opened, signed, or agreed to this account. Unfortunately, my account was sold to a third party XXXX XXXX that has called excessively stating that they want to collect a debt for {$520.00}. I have sent in numerous letters to credit bureaus asking that this collection be removed unless validated. In return I am sent a copy of a billing statement, that does not have any information except my name and an old address at the bottom of the page. This document has no signature and/or account number showing proof that I opened this account. I am simply asking that XXXX XXXX and XXXX XXXX remove this debt from my credit report immediately ( all 3 Credit Bureau 's ). I am asking that they no longer harass me about a debt that I am not aware of.

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 2023-07-26
Company: CREDIT ACCEPTANCE CORPORATION
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am with Credit Acceptance they take XXXX every XXXX weeks which is XXXX monthly. I have started this loan on XX/XX/22. They dont offer refinancing and I do believe that I was tricked into it by the dealership and I am looking for a lawyer

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 2022-08-30
Company: CarMax, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
CARMAX AUTO FINANCE HAS BROKE THE LAW! 
Pursuant to 15 USC 1681 ( a ) ( 1 ) The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal, family and household purposes. CARMAX AUTO FINANCE and their inaccurate reporting have damaged my livelihood.

The Congress makes the following findings : 15 U.S. Code 1681 ( a ) The banking system is dependent upon my consumer report being fair, and accurate to me. CARMAX AUTO FINANCE reporting inaccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system, Inaccurate credit reports directly impair the efficiency of the banking system. 

CFPB, this is my attempt to OFFER OF SETTLEMENT BEFORE LITIGATION for CARMAX AUTO FINANCE to amicably resolve the continuous violations of the Fair Credit Reporting Act regarding their refusal to stop reporting EXCLUDED items on my consumer credit report. 

Pursuant to 15 USC 1681a ( d ) ( 2 ) ( a ) ( i ) - Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. Those alleged transaction that CARMAX AUTO FINANCE are reporting, and failed to investigate, whether or not its factually took place, can be categorized as a transaction that took place between the consumer, and the person making the report. Which means it should not be included in my consumer report, and in fact is a violation of my consumer rights. 

Pursuant to 15 USC 1681a ( 2 ) ( b ) - Any authorization of a specific extension of credit, of a credit card or similar device should be excluded from my consumer credit report. This alleged transaction that CARMAX AUTO FINANCE clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15 USC 1602 ( l ). 

I came across a publication on the IRS website in which the IRS defines a charge off as gross or ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of the following Account inaccurate! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Alorica Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
received a bill from West Asset Management pertaining to a medical bill that was proven to not have been filed with the insurance company. I requested an audit of the information provided to the insurance company and the hospital. It was verified the insurance company was not billed accurately and the data furnished to the creditor was not complete. They were not able to verify all information as requested by law or for auditing purposes. I was informed the item would be removed from my credit report and have requested on a number of occasions to remove the item to which it remains.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-28
Company: SUNTRUST BANKS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I opened an auto loan on XX/XX/XXXXwith Suntrust bank for a XXXX XXXX XXXX XXXX The car was repossessed in early XXXX and I brought the loan up to date within a week. I finished paying the balance on my {$23000.00} loan in XX/XX/XXXX. I have disputed having the status as reinstated repossession numerous times with Suntrust, XXXX, and XXXX. My last negative account activity was beyond 7 years ago, but they will not remove the status. This is causing my XXXX and XXXX FICO scores to be over 80 points lower than my XXXX. I am a member of XXXX and have found that this status is what is causing the lower score because the negative information is listed with an unknown date. After speaking with supervisors at both credit agencies and Suntrust, I 've been told that this negative information will show untilXX/XX/XXXX. They say the account is positive because it shows paid in full and closed. They will not remove the status because they said it reports accurately even though the negative activity was over 8 years ago.

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 2022-08-30
Company: Coinbase, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I started using Coinbase to buy crypto currency in 2020 or so. I had some trouble early on with getting a promo offer, but eventually support finally made it right. About a year later, I recommended someone and never got the referral bonus but couldn't concretely prove it and it wasn't worth suffering through the support system to get it. In XXXX, I changed my name and began working with XXXX to get my name and information updated on my account and my account verified. I have been struggling ever since. I was asked to upload my documents dozens of times. I finally had to escalate angrily to get that one part done. Then my account wasn't verified and I was unable to earn interest for months and it took months to get that straightened out. I tried to take advantage of other promotions and staking, but couldn't because the level of support was so terrible. I would ask a question, they would never answer and ask me to trouble shoot. Never read the email, just blanket trouble shoot. So frustrating. I opened a complaint with XXXX, they recommended me to FTC and other agencies because they couldn't resolve with Coinbase. Coinbase has a very specific process on how to handle a complaint on their website- I followed the formal complaint process, but they closed it saying I had an open support ticket and that I needed to close that prior to opening a formal complaint. I replied that I am opening a formal complaint due to the fact that I have spent the past several months fruitlessly struggling with support without any resolution and am escalating the way they design and was shocked to find them ignore the formal complaint to the already terrible service. They run you around in endless circles with no desire to actually resolve any issues. I don't believe they intend to resolve any issues- in fact, I believe that they purposely avoid solving issues to avoid paying out any advertised incentive. I don't know if it's false advertising, but it's certainly not following through with promised incentive. And the customer service is the absolute worst in the business. I have emails that can be viewed if there is somewhere to forward them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-28
Company: The CBE Group, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sold a smart phone through XXXX. I did this because XXXX offered me a {$40.00} account credit. After selling the phone, my account was never credited and I was charged a {$31.00} listing fee. I disputed this with XXXX multiple times but they would not credit my account and charged my XXXX account for the {$31.00} listing fee. I disputed this transaction with my credit union and provided them documentation which showed I should have received a {$40.00} account credit and that I did not owe XXXX the money. The credit union was in favor of me and I did not have to pay. I have now received two letters from two different collection agencies attempting to collect a {$31.00} charge. I have sent two dispute letters back to them. XXXX keeps hiring different collection agencies to try to collect the balance that I do not owe them and that my credit union agrees I do not owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
FCRA Violations Not My Credit cards XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2600.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$16000.00} XXXX Account charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Account charged off. {$150.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$110.00} written off. 
NOT MY ADDRESSES XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX type Apartment complex XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX type XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX Resident type XXXX family XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type XXXX complex XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family NOT MY XXXX NUMBERS ( XXXX ) XXXX Cellular ( XXXX ) XXXX Residential NOT MY NAMES XXXX XXXX XXXX XXXX XXXX NOT MY INQURIES XXXX XXXX XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX until XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2020-02-18
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was being transferred, I made repeated calls to CASHCALL to ensure that there would not be an issue with my monthly payment as the transfer of loan was to occur shortly after the normal auto-draft takes place. 
The auto-draft was set up for the XX/XX/XXXX of every month my loan transfer was to occur on the XX/XX/XXXX. ( XXXX EST ) I spoke to several people at CashCall who assured me that the payment would go through without issue and then the new servicer ( XXXX XXXX XXXX  ) would take over. On the XX/XX/XXXX I called CashCall as the auto-draft was not taken out of my checking account, I spoke with XXXX ( ID # XXXX ) who informed me that because the XX/XX/XXXX happened on the weekend that it was delayed but not to worry as it will be taken out and the information would be transferred to XXXX. 
On the XX/XX/XXXX ( XXXX EST ) I received a debt collection call from XXXX asking for a payment. I confirmed that no payment had been withdrawn from my checking account. On the XX/XX/XXXX I called CashCall ( XXXX EST ) again and spoke with XXXX who had no sympathy for the situation and just said that I needed to set up a new payment with XXXX. I was then transferred to XXXX who had a little more compassion but was only able to reiterate that she could offer no additional solution. 
The fact that I was assured that the payment situation was being taken care of makes me believe that the transfer of the loan is set-up to require additional work for the customer in the hopes that payments are late so that additional fees/APR can be garnered from the individual. I understand that there is a grace period where fees and APR issues can not occur but without additional checks by the customer this period could have easily past. This practice needs to stop.

Company response to consumer: Closed with explanation