BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-20
Company: CITIBANK, N.A.
State: CA
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:
Hello, my name is XXXX XXXX. 

I making a consumer report over charges from the city bank. 
on XXXX XX/XX/2022, I purchase a tablet on Sear on line for {$200.00} I call Sear to returne the Item On XX/XX/2022. 
The bank knew that I was in the procces return transaction They did'not consider it.

but the point of all this, is the are charging my card and my bank account twice the same amount of {$200.00} I talk to the Costumer Service Credit, sear XXXX about it and he said the is a printing mistake I send you. a copy that I took from my online 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 2023-04-24
Company: EQUIFAX, INC.
State: TX
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 requested that Equifax fix the errors on my report or delete the inaccuracies several times this year. Each time yielding the same result : inaccuracies remain and continuously reflected in my credit reports affecting my scores and my ability to have fair and correct information reported about me to employers and financial institutions. 

15 U.S. Code 1681 ( a ) 1 Congressional findings and statement of purpose The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

XXXX XXXX has been reported on my Equifax credit report twice since the first time it was disputed in XXXX of XXXX  and has remained on my report since. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; I do not have 2 accounts with XXXX XXXX and should not be admonished and presented unfairly on my Equifax report because of it. This is a complete injustice and should be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: American Credit Acceptance, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have been paying this loan since XXXX, it was for {$10000.00} to pay for a used XXXX XXXX XXXX worth {$5000.00}. Ive had to get extensions on it, especially during the pandemic closures- during which I was charged obscene amounts of interest. Ive had it repossessed once as well. Ive paid {$11000.00} on this load and still have to pay {$9000.00} to settle it for a car thats now worth about {$2000.00} ( I cant afford to make repairs ). This loans feels like it will never end. I am always late because they wont negotiate the rate, they only offer extensions and they dont tell you what they charge will be until later. Their site is also setup so that you dont see how your payments are calculated towards your loan, you only see the transaction history and the pay off/principal balance- which is only like {$100.00} less than my original loan from two years ago, {$11000.00} later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: IL
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:
Hi my name is XXXX XXXX I am a natural person and consumer. I am writing this complaint because I am a victim of identity theft. Experian and XXXX unlawfully furnish my personal information without my writting consent. Pursuing to 15 U.S.C. 1681 section 602 a states I have the right privacy. My rights where violated due to unlawful data sharing. Experian and XXXXXXXX has violated my rights and I demand these accounts be removed in 5 business days. XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: UT
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: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-24
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: Information belongs to someone else

Complaint:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
In accordance the the fair credit reporting act XXXX account, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Carvana Group, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Hello. 1st & foremost I applied for financing with Carvana & was approved. On XX/XX/XXXX at XXXX I received an email in regards to the financing request. The letter stated that my credit score was XXXX & they they got the information from XXXX. I checked XXXX website to see if this was the information they have been reporting & according to the actual XXXX website, my credit score is XXXX. I believe Carvana is fraudulently saying my credit score is much lower than what it is to try to justify the ridiculously high 27 % interest rate that they offered me. 
Also I went ahead with purchasing the car. I authenticated my bank account with XXXX & authorized them to charge {$790.00} for a down payment. I received a confirmation email on XX/XX/XXXX at XXXX that my order was placed & the car was scheduled to be delivered on XX/XX/XXXX at XXXX. 
Carvana then requested further proof of address & a GA drivers license, stating that the state of GA requires consumers to have a GA drivers license to purchase a car. I questioned this, but was told by the Carvana representative that this was their policy & that I had the choice to take mommy business elsewhere. Given that I am in need of a new car, I went ahead & got the GA drivers license & at Carvanas request, uploaded the two requested additional documents on Sat XX/XX/XXXX. In the email I received & per the Carvana representative, I had until Mon XX/XX/XXXX to provide the requested documentation. 
On the evening of XX/XX/XXXX I went to check to see if Carvana had reviewed & processed the additional documents & was told the purchase had expired, although the original deadline had not even come yet.

I reached out to Carvana to ask about this & was told my multiple representatives via chat on Sunday XX/XX/XXXX that I would have to start the buying process over & pay an additional {$200.00} dollars on the down payment. Originally I authorized, via XXXX, a {$790.00} down payment. Now Carvana is trying to increase the terms saying I must now pay {$990.00} and receive the car at a later date than originally confirmed. 

When I was initially offered an approval from Carvana, the site said an interest rate of 23.61 %, but that significantly increased when I tried to purchase with Carvana. This is a predatory lending practice which is a violation of the TILA.

Carvana is violating my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: M. G. Credit, Inc.
State: IN
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 did not give you consent to contact me or to give derogatory remarks on my credit report. I am not liable for this debt. My debt is not with MG CREDIT. My debt is with the original company. I did not give you consent to contact me! You are in violation of my consumer protection rights. I did not sign and legal form with MG CREDIT to attempt to collect a debt from me. 

15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1681 Section 604 A Section 2 it also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) I did not give you permission to contact me in any way shape or form.

I demand that you take all derogatory marks off all three credit reports or I will be forced to file legal action.

Delete these accounts from my all 3 bureaus of my credit report immediately. And cease all communication via any forms of communication immediately. Also, all future attempts to collect this debt must stop.

I dont have a written contract with your company to collect this debt and you have violated my rights for years.

Please cease and desist all calls and contact with me, immediately!

I DEMAND YOU STOP CONTACTING ME AND TAKE ALL DEROGATORY MARKS OFF ALL 3 CREDIT BUREAUS IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax is reporting a collection account that is not mine. XXXX XXXX. I have submitted information validating such and it still being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I contacted this third part consumer reporting agency to request that they security freeze be placed on this TELETRAK report because I was unaware that this company has been supplying false information on my credit worthiness. I am requesting a security freeze be placed on this consumer report that they are supplying to their parent company Equifax and demanding that they forward a complete copy of this consumer report that they have and are furnishing to creditors and its false. 

I contacted this agency on XX/XX/2023 to request that they freeze this account and they refused to do so saying that they were not able to do that and that I would need to call equifax their parent company. Upon trying to do this I was unsuccessful on their website and I need this false information stopped.

I am requesting a copy of my consumer report that TELETRAX has in their system and Im also requesting that they freeze and stop supplying any information to anyone, including Equifax now that I know this is where their getting this false information from and refusing to delete off my consumer credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: LEXISNEXIS
State: IL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2022, my company fell victim to two multi-layered scam operations run by someone who created a mirror site of XXXX XXXX XXXX ( the Scammer ) which involved me making deposits for a total amount of XXXX USD from my HSBC XXXX account to HSBC US at the instructions of the scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Universal Payment Corporation
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Between XXXX I applied for XXXX XXXX with a company named XXXX. XXXX processes payments via a company named Universal Payments. These companies are both located in XXXX, XXXX My purpose in working with XXXX was to bring an invention to market for swimmer shark safety. The company charged a fee which was to be paid over a period of time. Unfortunately XXXX has mislead the inventors and made promises that were not true. I received an inferior product from this company. I filed a complaint with the Pennsylvania Attorney General and The New Jersey Attorney General offices. XXXX requested my social security number according to the salesman XXXX for reporting my royalties. Instead they use my social security number to report non payment. This case has been discharged for three years. The State of New Jersey made XXXX return my payment in XXXX of XXXX There is currently a class action lawsuit against this company. I am part of the class action lawsuit. Yet, Universal Payment continues to report non payment to the credit bureaus. I have disputed this information for over one year with the credit bureaus and nothing has changed. I hired a credit repair company and still we can not remove this company from my credit reports. Please help resolve this matter.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-17
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Old Navy switched to Barclay. I was never notified of the change. They also automatically enrolled me in paperless bill which I was not aware of. They stopped mailing me a bill and started emailing me from Barclay which I did not know was Old Navy so my bill did not get paid. Upon discovering this I paid my original bill however they added fees. I contacted the company Barclay and XXXX different people told me they would be removing the fees however they keep marking my bill late which is messing up my credit. I don't know how to fix. Is it legal to change companies and paperless bill without my kmowledge?

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 2023-04-24
Company: Paypal Holdings, Inc
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Customer Service, I am writing to submit a formal complaint in regards to the permanent limitation that has been placed on my PayPal account with the email address XXXX. I believe this decision was made in error, and I would like to appeal this decision. 

Firstly, I would like to clarify that I have not violated any PayPal policies. I have been a loyal and active user of PayPal for several years, and I have always followed the terms and conditions outlined by PayPal. Therefore, I am certain that this limitation was not warranted. 

Furthermore, I am requesting that PayPal re-investigate my case and review my account thoroughly. I am confident that upon a closer inspection of my account, it will become clear that there has been a mistake in the decision to permanently limit my account. 

Lastly, I am respectfully requesting that PayPal restore my account if possible. As an individual who relies heavily on PayPal for online transactions, it has been a great inconvenience to not have access to my account. Therefore, I would greatly appreciate it if my account can be reinstated, and I can continue using PayPal services without any further interruption. 

I would appreciate a timely response from PayPal in regards to my complaint. Thank you for your time and consideration. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are from XXXX it is now XXXX it has passed the statue of limitations of 7 years.

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 2023-02-17
Company: CL Holdings LLC
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:
My car got Broken in to on XX/XX/2022 I didn't no until the next day I call the cops and did a police report and told them me and my kids ssi my ID and password was stolen then I contact XXXX and open account with them to get my ssi number identify modified please help me with this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: WELLS FARGO & COMPANY
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:
My car got Broken in to on XX/XX/2022 I didn't no until the next day I call the cops and did a police report and told them me and my kids ssi my ID and password was stolen then I contact XXXX and open account with them to get my ssi number identify modified please help me with this

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