BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-19
Company: Experian Information Solutions Inc.
State: FL
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 asked to put a security free on my account a few months. I am not sure if the credit bureaus did that. I saw a handful of fraudulent accounts and credit inquires on my credit report without my knowledge.I contacted transunion, equifax and experian regarding these fraudelent accounts and credit inquires and they explained that i need a ftc report. I did not initiate it. None of these account transaction was done by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Experian Information Solutions Inc.
State: NC
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 submitted a dispute on XX/XX/XXXX. Child support enforcement accidentally reported that I was 60 days past due but my account was never past due. The child support enforcement immediately updated that I am current on my account but Experian is still reporting as previously 60 days - past due ( but current ). This information is inaccurate, as I have never been past due. I also submitted a letter from child support to Experian on XX/XX/XXXX showing that I was never past due. It has been a hassle reaching a live person to assist me in this matter, as Ive been denied for a car loan due to this matter. I also must share that after trying to get through to a live representative, XXXX at XXXX works the switch board, has yelled at me and disconnected the call on XX/XX/XXXX when I asked to be connected to the correct person. This is extremely unprofessional and I would like assistance as soon as possible.

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 2016-09-06
Company: EQUIFAX, INC.
State: SD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Spoke to a Equifax CSR on XX/XX/XXXX was told that a paid state tax lien and a paid judgement were eligible to be deleted and that it would take 48-72 hours for my report to be updated. This was not a dispute just a call to see when they might be removed. A week later they are still on my report. I called today XX/XX/XXXX and they claimed that they did n't have record of the call. I asked to speak to the supervisors boss. I waited about an hour for her to come on line explained to her what happened and asked her to review the taped conversation. She said they will be will not give me any feed back. I asked for a call back and I was told that I would not receive one. I attempted to email senior executive and email was returned. I would like information removed, I was told it would be removed, there are no laws that state it must stay on my report Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: EQUIFAX, INC.
State: IN
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:
We are refinancing our home and our bank stated there were two outdated phone numbers on my account ( one old home landline and one old employer number ), and these needed to be fixed before the loan could be processed. I tried numerous times to contact equifax on the phone and they would not verify my identity over the phone. They asked me questions related to my accounts and I was reading directly off my credit report. They wouldn't be specific any what they actually wanted. They wanted minimum payments on a credit card and they asked if I ever had a credit card or store card or loan. They would provide a time frame they wanted. After 37 years of marriage, we have had many loans but they wouldn't clarify what they actually wanted. I asked for a supervisor and she wouldn't try either. I had no problems changing this information with XXXX and XXXX. This delay is creating my loan to be held up and my interest rate on the loan to increase. The other companies asked for my pin and the answers to my security questions. Equifax would not verify my identity even with my name, birthdate, SS #, address, zip code and reading the information to them off the XXXX report. 

The customer service was rude and unhelpful. I called again today after faxing my information to them 2 days ago and they still wouldn't help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: EQUIFAX, INC.
State: FL
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 was looking over my credit report a few weeks ago and noticed accounts there that are not mine. I am also the only one who has authorization to my credit, and I have not given anyone authorization. I do not understand how this could have happened, but I am pleading to please have these accounts investigated immediately. I am in a very bad position now and I can not acquire any new credit. This is completely unfair. Please remove these fraudulent accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: Paypal Holdings, Inc
State: MI
Product: Money transfers
Sub-product: International money transfer
Issue: Other service issues

Complaint:
I 've sent {$880.00} through Paypal for an item I bought online, and I did n't receive it. Filed a case for item ( not received ) with Paypal and submitted the shipping company link and tracking number, which shows that the item was shipped on XXXX and still in transition, last update was XXXX XXXX. but Paypal closed the case claiming that the item was shipped, I appealed the decision and again Paypal reject the appeal and closed the case permanently, at this time I have no right of complaint or ask where about my item from anyone. Shipping company site : link XXXX Tracking # XXXX The seller and the shipping company are saying that the Item is not delivered, only Paypal claiming that I received the item, and left me with no tools to fight for my funds, please help Paypal appeal case # XXXX Item paid on XXXX and case opened on XXXX XXXX My name : XXXX XXXX, E-mail address and Paypal ID : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: CITIBANK, N.A.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
CITIBANK has not fulfill its promotion commitment for XXXX XXXX XXXX AAdvantage miles that I qualified for under promotion XXXX with my checking account ending in XXXX. As CITIBANK Client Service 's research letter confirmed, dated XXXX/XXXX/XXXX and numbered, XXXX ( copy attached ) when I claimed the miles that for the promotion. 

It has been more six months since that letter and, yet, my AAdvantage Account # XXXX has not been credited with the XXXX AAdvantage miles due to me. I addition to the numbered letter confirming my qualification for the award ; on XXXX XXXX, XXXX, a CITIBANK chat agent also confirmed that my award was in process ( a copy of that is attached, also ). 

Since that time, CITICANK claims they do not owe me the reward because I have since closed my account. That was not the case when I requested the awared and CITIBANK agreed in writing, that the award was due to me. CITIBANK has since closed all its Massachusetts offices, so having an account with them is impractical. I should not be punished with CITIBANK 's tardiness.

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 2021-03-19
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I borrowed money from Loan Me XX/XX/2017 for unexpected household emergency. I began repayment as agreed and paid over half of the loan amount back to Loan Me over the next several months. Loan Me charged me triple the interest on my loan and after paying half of the loan amount back in a timely manner I still owed more than the original amount borrowed. I contacted Loan Me several times to resolve this matter and they refused to agree to a settlement. Now 3 years later they have a wage garnishment and 25 % of my salary is being taken from my paychecks after being unemployed for nine months because of Covid 19. The total amount that they are garnishing from my paycheck is {$2800.00} which is only {$190.00} less than the original amount borrowed three years ago. However, I have already paid over {$1500.00} of that original debt back to them. These fees plus interest are excessive and over the usuary law in the state of California! Loan Me is a company that takes advantage of people in desperate situations and exploits them. What Loan Me is doing to me as well as many other Americans is abusive and should not be tolerated!! I am a single dad of XXXX and already paying 25 % of my salary for child support. I can not afford to take care of my child with this wage garnishment being removed from my pay check! Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: GA
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 XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was emailed a final move out statement from XXXX XXXX. They told me that my final payment was to be made with PDQ. I made that payment with XXXX. Years later, Nation Credit Systems is trying to collect for something I dont owe. This has been paid through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: Paypal Holdings, Inc
State: IN
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I have used Pay Pal for XXXX or XXXX years. In the past year, I was notified by Pay Pal that I needed to sign up for an account. I was confused, thinking I already had an account. I thought maybe they wanted me to update my information. I signed up for the account. Then after a purchase, I received a bill in the mail from PayPal Credit for the purchases I had made. I did not understand what had happened, as in the past I had used PayPal and they items I had bought were charged to a MasterCard. I showed this to my husband and he realized that PayPal had somehow set me up for a credit card. He tried to cancel the account. I used PayPal again after that, and they put the item on PayPal Credit. I then was charged a late fee, although I had never received a bill in the mail, and did not know I still was using PayPal Credit!!!!! I am very, very unhappy with PayPal!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XX/XX/22. Have a fraudulent unauthorized inquiry from XXXX XXXX XXXX That I would like remove from my credit report or provide proof within 30days

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 2017-05-23
Company: GOLD KEY CREDIT, 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 filed BANKRUPTCY  XXXX  the creditors was properly notified from my attorney and also  XXXX  and   XXXX   notified them I have documented emails from all  XXXX  parties, these creditors are still on my credit, they should have been removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19
Company: U.S. BANCORP
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: Account information incorrect

Complaint:
We had a bank loan with US Bank we wanted to pay it off early. I called in to get our pay off. By doing automatic payments we were paid ahead 1 and 1/2 years. So my next payment was not due until XX/XX/2022. I asked if some of those payments could go on the principle thinking that would lower my payoff and they agreed. We put the last 12 months toward the principal. They told me it would take about 2 days to complete. 2 days later I was confused when my payoff went up. After some quick investigating I found out They now added late payment fees on to the loan. I called US Bank customer service and they said they fixed it and I paid off the loan. Payoff was about {$8900.00}. 3 weeks later I was looking at a pickup and needed a loan but was turned down. I found out my credit score went from over XXXX to just over XXXX because US BANK Reported I had missed payments. Once again I called US Bank They said they could clearly see what had happened and I would have to file a dispute and it would take about 3 months to process. I was refused a loan I need to get the pickup I need. Even from US Bank because of my now Low credit score. I called US Bank back, they told me they can see that they made a mistake but they can't ok the loan until the dispute goes through.

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 2021-03-19
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Care Credit A.K.A.Synchrony Bank is scamming its customers. If like so many others due to Covid we became late on our payments. We have been trying to get caught up. Care Credit A.K.A. Synchrony Bank is making it impossible to catch up or pay off this debt. 
We have been trying to make payments as agreed to catch up. But Care Credit is charging more in fees and charges each month than what our payment is and accruing more interest than the payment is. Making it impossible to pay off the debt. 
We have asked by phone several times for payment arrangements to stop the interest and pay off this debt. But Care Credit A.K.A. Synchrony Bank refuses to cooperate or allow us to catch up on payments or pay off the debt. 
The charges and increasing interest on this account will never allow us to catch up or pay off this debt. This company scams people by not allowing them to ever pay off the debt. 
Their actions should be illegal to trap consumers in a credit card debt that can never be paid off and not from the consumer 's lack of trying but from the companies greed and inconsideration.

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 2022-08-04
Company: Marine One Acceptance Corporation
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/XXXX an Affidavit of Truth was sent to Marine One Acceptance Corporation stating facts pursuant to the Truth in Lending Act. I, natural person and original creditor, issued my social security card and entered a consumer credit transaction with Marine One Acceptance Corporation on XX/XX/XXXX. Pursuant to 15 USC 1605 ( a ) a finance charge shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction ''. A finance charge of {$7900.00} was credited. An illegal cash down payment of {$4200.00} was also taken which pursuant to 15 USC ( a ) should be included in the finance charge. Due to these facts and pursuant to 15 USC 1666, Marine One Acceptance Corporation mailed affiant statement dated XX/XX/XXXX containing billing error in the amount of XXXX XXXX XXXX and XXXX/XXXX ( {$830.00} ). All of this was stated in the attached Affidavit of Truth. 
Marine One Acceptance Corporation did not respond with a rebutted Affidavit, but responded with a copy of the Security Agreement and sticky note on XXXX XXXX. Pursuant to Morris v. National Cash Register Co., 44 S.W.2d 433 uncontested allegations in affidavit must be accepted as true ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: CL Holdings LLC
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:
Initially I opened a car loan with XXXX XXXX then a couple years later that loan was sold to XXXX XXXX. On XX/XX/XXXX. XXXX then at the time considered my loan paid off with them. Now XX/XX/XXXX I get notified that they sold a delinquent loan to Jefferson Capital collection agency. The account they claimed is delinquent- I have and had zero knowledge of it or ever consented to that. Ive tried calling and sent a letter to them but the line is disconnected and mail is yet to be responded to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19
Company: Waypoint Resource Group, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cancelled services with XXXX in XXXX of XXXX, I made sure to return their equipment and made sure there was no balance owed. In XXXX of XXXX a collection was added to my credit report from Waypoint resource group. I have called and have asked for this debt to be verified and up to this day it has not happened. I called to try negotiate even though I don't owe the debt and was told that even if I pay the debt they will not remove it from the credit report. I don't owe XXXX or waypoint resource group anything, I respectfully ask that you help investigate these charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: ALLY FINANCIAL INC.
State: PA
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:
Paid off loan but the company has refused to give me my lien release. Moved out of state and need to get tags and they keep giving me the run around about my lien release

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 2015-09-30
Company: Flagstar Bank, N.A.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Earlier this year, I contacted my bank and requested a RETURN and/or STOP PAYMENT on any payments presented that would cause an OVERDRAFT of my checking account. I was informed that the bank would return any payments presented that would cause my account to OVERDRAFT. On XXXX XXXX, 2015, FLAGSTAR bank attempted a " RETRY PYMT '' in the amount of {$120.00} against an available balance of {$3.00}. The bank subsequently presented another " RETRY PYMT '' in the amount of {$18.00}. As a result of this activity, my account which previously had a positive balance of {$3.00} was negative {$68.00} in bank fees. The items presented were NOT paid and returned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: M&T BANK CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been unable to access my M & T bank checking account online all week. I have attempted access at least 20 times over multiple days this week. I sent an email to the bank earlier this week and the bank replied the next morning that the online access issues were resolved. That was inaccurate/false. I was still unable to log in as the site hung up at the 'account summary ' page and failed to load. Internet searches suggest to me that this is a widespread problem among many M & T customers, and not an issue specific to my hardware or software. I am able to log in without issue to all other financial sites. To add insult to injury, M & Ts phone lines are overwhelmed. There appears to be a significant issue with M & T 's web and mobile platform which warrants serious regulatory intervention.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The transactions that XXXX withdrawn out of my Bank of America account without my knowledge or consent : 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 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} The transactions that XXXX withdrawn out of my XXXX  XXXX account without my knowledge or consent : XXXX {$2500.00} XXXX {$10000.00} XXXX {$200.00}

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