BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-30
Company: AC AutoPay LLC, Denver, CO Branch
State: TN
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:
We have a title loan through autopay in XXXX colorodo. The balance was {$310.00}. The balance was sent to collections. On XXXX XXXX 2017 we called autopay to make the payment. ( cleared with bank XXXX XXXX 2017 ) They directed us to a collection agency with a number but refused to give us the name. We called and paid it that day. We were then told we would be receiving the title in the mail within 90 days. In the beginning of XXXX  we called autopay to find out if the title had been sent out yet, we were told it was not and that we needed to Contact XXXX XXXX. XXXX XXXX said they did n't have anything from us so we needed to call cpcrecovery. We called and they said we needed to email proof and they would send it to XXXX XXXX. So we did and then we were told they would send the title and to again allow 90 days. Here it is the end of XXXX and autopay is saying we never made a payment even with our proof being emailed, then they say they 're waiting for the funds to be released so we can get our title. The story keeps changing. Every call we make to keep checking on it they keep asking when we paid it. It 's like they 're not taking notes, acts like they never heard from us and not caring. It 's been almost 6 months since we paid it off. I ca n't work because we 're down to one vehicle because we 're being refused registration for the vehicle and my insurance is dropping the vehicle. We just want our title.

Company response to consumer: Untimely response
Consumer complaint received 2017-07-01
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My XX/XX/XXXX BSI Financial Services home equity line of credit statement shows my bank account was automatically deducted an additional charge of {$71.00} on XX/XX/XXXX. This charge is listed under " late charges & fees '' under transaction activity but the additional charge is actually due to an INTEREST calculation error BSI made in XX/XX/XXXX. I was informed the prime interest rate had increased in XX/XX/XXXX but BSI neglected to reflect this increase on my home equity adjustable rate line of credit. <P/>As a licensed loan company, BSI is aware of income tax implications when referencing late fees and interest payments. They are also aware of customer credit ratings when recording customer payments. <P/>I did not make an error on paying my XX/XX/XXXX statement. This oversight is due to BSI Financials mistakes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX. Is the only credit reporting agency with outdated information and has additional inquiries which have been disputed before this complaint. I also want to know why they have supplied credit report to businesses without my consent even after I requested for credit freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
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: Personal information incorrect

Complaint:
Please be advised that you are reporting incorrect personal information on my credit report. I need the following information updated as soon as possible. 

My current address is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX My current phone number is : XXXX My current Employer is : XXXX XXXX XXXX XXXX XXXX Please remove the following personal information from my credit report. My identity has been mistaken. 

Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-10-07
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This a second request. I have accounts on my credit that don't belong to me. Someone is using my name. I never filed bankruptcy either. Please remove it immediately. I am not a credit repair company and I sent you my personal documents to prove that it's me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Paypal Holdings, Inc
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
The following debit appeared on my Paypal account. I did not authorized this payment and completed the proper form to Paypal to return the debit and credit my account. I was denied. There was no authorization by me to pay this debit. You will note that it was paid and actually took me over my credit limit. I do not know how to get an actual account number from Paypal. I sign into Paypal using my email address which is XXXX. 

XXXX XXXX XXXX, XXXX -negative $ XXXX XXXX, 2021 XXXX XXXX You reported a problem with this transaction. See the status of your case in the XXXX XXXX. 
Paid with PayPal XXXX {$49.00} XXXX XXXX XXXX XXXX, XXXX payments Transaction ID XXXX Seller info XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX Invoice ID XXXX Purchase details Premium Premium XXXX - XXXX {$49.00} Total {$49.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed collection accounts multiple times from all three credit reporting agencies to include XXXX, XXXX, & Experian. I have completed disputes as of XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and today. I have also called and have been unable to speak to a representative over the phone. XXXX has removed the incorrect reporting of collection agencies on my credit report ; however, XXXX  and Experian has not. I have not been provided with a copy of any contracts or payment terms, agreement, and history with my signatures from any of these companies to include XXXX XXXX XXXX ( {$3300.00} ), XXXX XXXX XXXX ( {$650.00} ), XXXX XXXX XXXX, XXXX. XXXX XXXX ( {$300.00} ), XXXX XXXX XXXX, and XXXX  ( {$1700.00} ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged by XXXX XXXX XXXX for life Insurance that I did not authorize which was {$72.00}. I requested a dispute with my Chase Debit card. Chase stated that the company XXXX XXXX XXXX stated that they would not refund my money because I cancelled too late. I was charged on XX/XX/2018 and XX/XX/2018 in the amount of {$36.00} each for a grand total {$72.00}. I did not discover these charges on my credit card until XX/XX/2018. So, I then filed a dispute with Chase and was told that XXXX XXXX XXXX denied my refund. Then on XX/XX/2018 Chase stated that they could not dispute the charges, and that it was out of their hands. However, Chase did dispute the charges in XX/XX/2018. Then Chase denied the dispute a few weeks ago without informing me as to why. I'm not sure what is going on as to why Chase has refused to dispute my charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
RE : Investigation Request to Delete Unvalidated Credit Accounts and Inquires To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. I will also request that you provide proper validation of all said debts by providing all documentation that shows by wet ink signature so if need be I can file all proper FRAUD affidavits with the FTC. 

XXXX : ACCT # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim [ XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), such as I owe {$960.00} or my account was seriously past due and assigned as a collection in the amount of {$960.00} ]. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 


I AM ALSO DEMANDING COMPLETE VALIDATION OF THE ALL INQUIRIES LISTED BELOW, PLEASE DELETE THESE UNVALIDATED INQUIRIES IMMEDIATELY : XXXX XX/XX/2020 XXXX 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 2017-07-01
Company: AMERICAN EXPRESS COMPANY
State: WA
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:
In XX/XX/XXXX I settled a charge off with American Express. Amex agrees the account is settled and properly indicates the settlement in its report to XXXX. The account became delinquent in XX/XX/XXXX and XXXX correctly indicates the account will go positive in XX/XX/XXXX. <P/>However, AMEX has inaccurately reported a brand new derogatory payment history which begins in XX/XX/XXXX and results in re-aging my account. This results in a lower credit score. I have attached an excerpt from my XXXX consumer report dated XX/XX/XXXX. <P/>Re-aging of accounts is a violation of the FCRA and damages my credit. I have attempted to resolve this using the dispute process with XXXX. The result of the investigation was NO correction to this issue. Having exhausted the dispute process, I am hoping the CFPB can assist in resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
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: Account information incorrect

Complaint:
RE : Investigation Request to Delete Unvalidated Credit Accounts and Inquires To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. I will also request that you provide proper validation of all said debts by providing all documentation that shows by wet ink signature so if need be I can file all proper FRAUD affidavits with the FTC. 

Re : ACCT # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim [ XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), such as I owe {$960.00} or my account was seriously past due and assigned as a collection in the amount of {$960.00} ]. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 


I AM ALSO DEMANDING COMPLETE VALIDATION OF THE ALL INQUIRIES LISTED BELOW, PLEASE DELETE THESE UNVALIDATED INQUIRIES IMMEDIATELY : XXXX XX/XX/2020 EQUIFAX MORTGAGE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX I received a letter from a collector saying I owe {$4600.00} as of XX/XX/XXXX in a paypal credit card that I have never opened, I went online to check the reference and now XX/XX/XXXX over XXXX is owe. 
I called the collector XXXX which return it to paypal to investigate because the phone, email and bank account did not match my paypal account which has a XXXX balance. 
Paypal shot the account down and is investigating. 
Last year around this time we got a notification that a XXXX account was opened in my name, I immediately called the bank, closed the account and then reported to the FTC, I also place a 5 year freeze in my credit and have my XXXX credit locked. 
Since I have been a victim of this before I keep a very close watch in my accounts and monitored my score and get daily notifications, so I don't even know how this happened.

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 2018-12-04
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:
The account XXXX XXXX XXXX XXXX  XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested the credit bureaus to make the necessary corrections but I did not get a reply. CFPB please help me out and correct 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 2022-05-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My name is XXXX XXXX. I just got off the phone with XXXX who stated they were told by Wells Fargo to add an account that does NOT belong to me nor have I ever owned a WF card and refused to remove remarks from my mortgage as a joint that have since been removed for my sister. 

XXXX has added my sister 's Wells Fargo Card to my profile and refuses to remove remarks for an investigation she initiated on our old home mortgage. I spoke to a manager XXXX operator ID who not only refused, but stated it was not in " their policy '' which is not true as my sister has had all these issues resolved after 5 months. I am applying for a mortgage & my stellar report is now mixed with my sisters when we don't even have the same information and I have never owned a WF card. Please remove this card account off of my profile immediately and clear all the remarks from my joint home mortgage as the account was never in dispute from XXXX XXXX XXXX. Wells Fargo and XXXX have been reported to the attorney general for their intrusive and blatant disregard of my credit history which is my own and for them to cause a mix-up is unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-17
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I opened this card to take advantage of a 0.00 % interest of a balance transfer. Any other purchases outside of this transfer amount I understand, is subject to the 22 % interest as a " standard purchase. '' On XXXX I made a {$1000.00} standard purchase and on the same day made a {$1000.00} payment to go against that. The following statements show that my standard purchase balance that is subject to interest is much higher than it should be. Citi applied my {$1000.00} payment against the 0.00 % balance transfer amount and I am now being charged interest again a standard purchase balance I've already paid for. 

When calling Citi I advised that my balance subject to interest ( standard purchase ) is over by {$1000.00} and that the {$1000.00} purchase I made was paid for the same day I made the purchase. The rep on the phone even advised me that when a payment is made it is allocated to whatever balance has the highest APR. What they are doing is benefiting on more interest by taking the {$1000.00} purchase I made an putting it towards the Standard purchase balance that is subject to all the interest accrued. 

Citi refused to fix this and stated that to avoid getting interest I should stop using the 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 2022-05-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX xxxxxxxxxxx XXXX XXXX XXXX XXXX xxxxxxxxxxxx XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ID XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: EQUIFAX, INC.
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:
I am highly upset the consumer reporting agency Equifax has not responded back to me about my investigation. 
This is a serious matter. I need these accounts that arent mine to be removed from my credit report immediately. Its 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 ) They also don't have the right to communicate with any furnisher as I did not give consent to it and will NOT give consent for them to communicate with them. 
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I wrote to Transunion and   XXXX   ask for it to be remove they its valid, but I went to the bankruptcy court and given me a statement letter saying they do n't provide the credit reporting agencies any information about reporting my bankruptcy, or how they got it.  XXXX  said its not showing on my report from them, but on my credit report under the bankruptcy it show  XXXX  name either they are lying or Transunion and  XXXX  is reporting it wrongly and inaccurately, I have all documents and letter I sent them and the respond letter and letter from bankruptcy court .Also the creditor    XXXX    is  still making inquiries on me and they repo the car years ago, I sent letters, got a response letter they said that they can do please investigate to see if they still pull inquiries on me and on my report after these year s, Im trying repair my credit score  and these to credit reporting agencies are reporting inaccurate information, thank you my contact is  XXXX   XXXX   XXXX ,  XXXX    XXXX    XXXX   XXXX   XXXX , (  XXXX  )  XXXX , thanks.

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