BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-28
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2019 I received emails about two transactions in my PayPal account. Both were sending money to XXXX XXXX. One was for {$250.00} using my PayPal credit and the other was for {$250.00} using my call one checking account as funding. As soon as I saw the emails I called both PayPal and my bank to alert them. My bank put a hold on my account. PayPal credit is still doing their investigation but PayPal told me that they determined them not to be suspicious and there was nothing what they could do, this was within hours if it happening. They have now made my PayPal account negative and day I owe them the money since my bank didn't let them pull the {$250.00}. That is where we are now, they say there is nothing more they will do to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX Charged off XXXX of a XXXX dollar loan and trys to continue to add interest every month since 2016 accumulating an outstanding debt of now XXXX dollars XXXX XXXX is a Loan shark Im am being bullied into paying a ridiculous debt deliberately attacking my Credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I contacted Bank of America several times starting in XXXX XXXX requesting the company to give me half of my remaining rewards, because I had closed the account at the beginning of the year. 
The bank told me I needed more purchasing to earn the needed XXXX points and only had about XXXX. I suggested they send me a gift card of {$12.00} to show fair business practices, they refused to do so. I can show and state that XXXX XXXX sent my remaining points in a small check to demonstrate good business practices. Bank of America does not demonstrate any of the usery law features to their customers. 
It is unfair all my points go into an " abyss '' and they benefit from all the thousands of dollars I spent on this credit card ...

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 2017-04-18
Company: CREDIT ACCEPTANCE CORPORATION
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
On  XXXX / XXXX /  XXXX   I obtained my credit report pulled by   XXXX   XXXX   XXXX   in order to qualify for a mortgage. I noticed on my credit report I had a repossession from  XXXX  reporting from  Credit Acceptance.  I have emailed, mailed, called, and faxed correspondence in regards to seeing where this account came from. I have no recollection or did I gave anyone permission to obtain a vehicle loan in my name. Under the FCRA this company is obligated to provide any legal binding contracts with my signature showing that I signed for or gave them permission for this loan to be obtained in my name. I have not been able to get a response from the company in regards to this 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 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX  XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX Balance : {$660.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-03-06
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2021 I sent a letter asking Experian to enclose a method of verification for a bankruptcy listed on my credit report. On XX/XX/2021 I then sent another letter asking to enclose their method of verification due to no response from the company. On XX/XX/2021 I sent another letter asking to enclose their method of verification for the third time. On XX/XX/2021 Experian came back with a letter stating the item was verified, but not by who. On XX/XX/2021 I wrote another letter asking to verify, yet again. On XX/XX/2021 Experian sent me a letter in response stating the alleged bankruptcy was verified by XXXX XXXX. On XX/XX/2021 I provided proof from XXXX XXXX stating XXXX XXXX has never verified the alleged bankruptcy with Experian. Because lXXXX XXXX had to delete the item due to not being able to verify it. I enclosed the letter as proof from XXXX XXXX. On XX/XX/2021 Experian replied stating it was still verified without sending me any documentation or proof of an actual investigation. On XX/XX/2021 I replied stating they have not honored my request and have not provided any proof that this alleged bankruptcy was verified by XXXX XXXX. On XX/XX/2021 starting the item was still verified by XXXX XXXX. On XX/XX/2021 I sent another letter to Experian with an enclosed letter from XXXX XXXX stating they have deleted the item from my consumer report due to not being able to verify the item. I have yet to get a response from Experian and they are still listing a bankruptcy on 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 explanation
Consumer complaint received 2022-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On XXXX we received an email from our Credit monitoring service that an account with XXXX Bank that we just had pay them off on XX/XX/2022 that the account was 60 days past due, when in fact we have not been late on the account in over one years. We called the Company right away and told the rep. what just happen, and he was unable to help us, he just stated that we have to dispute the entry. This account was purchase from XXXX bank and since they purchase the account over a year ago, we have not been late. It is unfair for XXXX to report something that is not true and make it seems like it just happened recently when it did not. By them reporting the way they do it took our credit report down XXXX points. 

Below are the statements for payments in the last year

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 2020-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Transunion had done nothing to correct my Credit Report and eliminate the Fraudulent Information totally from my File. I have been sending countless letters appealing to Transunion to verify the disputed items and remove them if unable to prove that the Items are mine. In fact, I have sent them my FTC complaint report. I have been a victim of Identity Theft and the items I am disputing do not relate to any transaction that I have made or authorized. Neither did I receive any possession of goods, money, services, nor benefits from the Theft of my Identity. I have read that the Credit Bureaus are bound to comply with the FCRA regulation section 605b but despite all my efforts to inform Transunion about the theft of my Identity and that the items were never mine, they never cared nor paid any attention to my Disputes. They became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification nor Investigation. I came to a conclusion that the Credit Bureaus are not afraid to break the Federal law thus they chose to be lazy and neglected my appeals. Once again, I am urging the Credit Bureaus to remove the following items completely from my Credit File with or without proper verification since the time given to the Credit Bureaus to investigate was already over. I need the following Items removed now! 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}, XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$2500.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}

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 non-monetary relief
Consumer complaint received 2017-08-28
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX ACCOUNT NUMBER ENDING IN XXXX XXXX DATE OPENED ON XX/2014, IS REPORTING ONE LATE 30 DAY ON MY CREDIT REPORT THIS IS AN ABSOLUTE INACCURATE INFORMATION, PLEASE HAVE ALL THREE MAJOR CREDIT REPORTING AGENCIES TO REMOVE THIS LATE. 
I HAVE THE LETTER ATTACHED ( APPROVAL LETTER ) FROM XXXX XXXX XXXX, TO SOLVE THE PROBLEM BUT THE REPORTING AGENCIES SUCH AS XXXX AND EXPERIAN ARE NOT COOPERATING PLEASE SOLVE MY PROBLEM 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 2018-06-01
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX agency put a collection account on my credit file without notifying me or anything. I have no idea where this debt came from. It is a phantom account. I wrote this collection agency and asked them to validate this account and where it came from. They have not responded to me and are still reporting it on my credit. it has now been 90 days.

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 2022-09-01
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States , if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-03-06
Company: CITIBANK, N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I applied and was approved for a new Citibank checking account. 

I was offered a {$300.00} to {$1500.00} " Checking Cash Offer '' by Citibank for this new account depending on the account balance and the completion of certain required activities. 

On XX/XX/XXXX I contacted Citibank via chat to confirm that my new account was enrolled in and qualified for the Checking Cash Offer. The representative indicated that I indeed was enrolled in and qualified for the Checking Cash Offer. 

According to Citibank 's terms and conditions, I must not have " owned a Citi checking account in the last 180 days '' in order to qualify for the Checking Cash Offer. 

180 days before XX/XX/XXXX is XX/XX/XXXX. I did previously own a Citibank checking account. That account was closed on XX/XX/XXXX. So, I did not own a Citibank checking on XX/XX/XXXX, which means that I am qualified participant in Citibank 's Checking Cash Offer. 

I closed this previous account via chat with a Citibank representative on Citibank 's website on XX/XX/XXXX. This representative told me that " the account is closed '' NOT that it will be closed soon or any other variation. My access to Citibank 's website was immediately terminated following this chat. 

After I completed all of the required activities for the new account Checking Cash Offer, I initiated a chat with Citibank to confirm my completion. During this chat on XX/XX/XXXX, a representative relayed that Citibank 's records showed my previous account was in fact closed on XX/XX/XXXX -- which would disqualify me. 

Based on all available evidence, the XX/XX/XXXX date is just not true. It is false and ridiculous to assert that I had ownership of the account on XX/XX/XXXX, and XXXX when my online access was terminated, ATM card deactivated, and a Citibank representative told me verbatim that my account is closed. Citibank 's records can not be solely relied upon, as they have been issued consent orders from the Federal Reserve Bank and OCC for, among numerous other deficiencies, their data quality management and information systems. 

Now, if my chat on XX/XX/XXXX was correct in that it takes 2 business days to close an account, then either I was lied to and misled in XX/XX/XXXX or I was lied to and misled in XX/XX/XXXX. 

I made a good faith and diligent effort to make sure I was qualified for Citibank 's Checking Cash Offer but Citibank will not pay me due to some combination of their lies, misdirection, and poor data management.

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 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States XXXX if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2020-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
had done a quick cash of {$20.00} inXX/XX/2020 have been paying well over min due and last month was charged .38 interest and even though balance was dropped due to over payment this month was charged .39 interest on same money i did call capitol one and guy had no clue and over the previous months have been charged in the .30-.39 interest range

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-08
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on AMERICAN EXPRESS. Per FCRA, reporting must be 100 % accurate or the informations must be deleted. 

AMEX XXXX Balance {$1600.00} ; AMEX XXXX Balance {$0.00} ; AMERICAN EXPRESS XXXX Balance {$0.00} ; AMERICAN EXPRESS XXXX Balance {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
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 was authorized a rental car through XXXX XXXX through my insurance company USAA in XX/XX/2021. My XXXX XXXX XXXX was XXXX. 

On XX/XX/2021, I spoke with a gentleman named XXXX at the XXXX, NJ, XXXX location who told me I was on XXXX XXXX " Do not rent '' list, and I was denied the reservation I had just made to use reserve a rental car. This caused great personal inconvenience and XXXX. XXXX gave me a phone number to call to speak with " XXXX XXXX. '' As of the date of this complaint, I have contacted XXXX XXXX no less than a dozen times at XXXX XXXX XXXX XXXX, and yet there remains no resolution to this issue and I remain on XXXXXXXX XXXX XXXX Do not rent '' list with resulting personal stress, anguish, and embarrassment. I have left multiple messages again and again and again, and to this date, no one at customer service has bothered to call me back. 

On XX/XX/2021, a representative actually did answer the Customer Service line, she identified herself as XXXX. XXXX listened to me explain the issue, although she could not provide a reason for why I would be on the " Do not rent '' list as she confirmed my insurance company had paid the cost of the rental in full. She promised that she would forward my information to the " Do not rent '' team and someone would get back to me ASAP. 

No one got back to me ASAP, or ever again. I have followed up by phone three times since then, and have received zero response. 

Yesterday, I contacted my insurance company USAA to assist with the problem, but they were either unwilling or unable to help. They did confirm, however, as XXXX did as well, that my rental was paid in full and there should be no reason for me to have any issues at this point. 

Again, this has caused a significant amount of XXXX and inconvenience in my life, to say nothing of the time and frustration at trying to resolve this problem ( which shouldn't exist in the first place! ) with zero response, help, or assistance from two reputable companies like XXXX and USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: WELLS FARGO & COMPANY
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
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 paid off my Auto loan and Wells Fargo sent me a title with misspell owner name and address on the auto title. XXXX told me unless this is corrected by Wells Fargo I do not own the 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 explanation