BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-28
Company: CITIBANK, N.A.
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: Problem with personal statement of dispute

Complaint:
Over the course of several months I've been trying to dispute the practices being used by CitiBank on an account that was closed years ago. I have submitted several disputes through this forum, Citi in response has begun to manipulate my credit by adding charges and negative remarks on my credit which is resulting in a significant drop in all burea scores, even though the status of the account, the amount borrowed, etc has not changed in 3 years. Citi continues to lie and state that its sending correspondence by mail to my home, which they are not. I did receive an email from the company a week ago, and I responded showing them the credit score drop was attributed solely to their negative reporting on my account. When are you going to hold them accountable for this credit hit against a consumer? They were offered a payment plan before the account was closed which they refused. Since the account was charged off, there has been no activity on the original charge account, and yet the reporting from the company on that account continues to change year after year affecting and manipulating my credit scores. It needs to stop.

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 2022-09-28
Company: Easy Finance, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have nicely been telling them I am struggling financially my daughter is ill and I am not working full time. They continue to call my work after I repeatedly told them I am going to get in trouble. They will text my phone harassing me and telling me they are going to send the collector to my work to pick up the payment. I offered to give them XXXX dollars that's what I had and they said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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: Credit inquiries on your report that you don't recognize

Complaint:
i have inquiries on my report i didn't authorize and i have sent in my police report showing my identity been compromise. and they won't remove them. XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: ALLY FINANCIAL INC.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
The is an extension to complaint ID - XXXX submitted on XX/XX/XXXX. I had a conversation with Ally Auto they are still referring back to the dealership and the dealership has been extremely uncooperative and disrespectful towards my concerns. I am really at a loss because the dealership continues to run my credit report to finance loans. and now they have me financed under is a XXXX XXXX XXXX and the amount financed was {$24000.00} which is what Ally Auto said to me. I clarified I did not sign for an auto loan for this vehicle and my credit was ran without my consent. I have the contract and it clearly states XXXX XXXX XXXX amount financed was {$35000.00}. I was financed for a XXXX XXXX XXXX XXXX Momentum and upon doing some additional research on the Vehicle Identification Number ( VIN ) XXXX on the XXXX XXXX XXXX XXXX XXXX ( XXXX ) its saying the VIN is incomplete and the XXXX position of the VIN does not match the model and year. I have reached out to the dealership and they have no intention to cancel the loan. I received a credit alert yesterday. XXXX XXXX XXXXXXXX in XXXX Kansas ( auto dealership ) processed another auto loan application without my consent. " Error Text : XXXX - Incomplete VIN ; XXXX - Model Year Warning - Model Year entered for decoding with VIN does not match the model year based on the XXXX position in VIN. ''

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 2022-12-11
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: Personal information incorrect

Complaint:
Every month I put in a request to update my personal information but the credit report keeps showing up the same information each month, nothing is being resolved I keep getting denied for new credit or loan I only have XXXX active hard inquiries open and XXXX hard inquiries non active but it keeps reporting to my reports which Im having difficulty establishing new credit / loans

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 2022-08-01
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX 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 2022-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
the SSN belongs to the SSA and anything purchase with that identifier number is a obligation of the United State 18 U.S.C. 8. Means that Anyone attempting to collect a debt from me is guilty of THE FALSE CLAIMS ACT ( FCA ), 31 U.S.C.3729 - 3733

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: SANTANDER HOLDINGS USA, INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
by law I don't owe this company I did sign or make a deal with them. 
and if this letter don't work and they need to take this off my bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: WELLS FARGO & COMPANY
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
As a student in New Hampshire, there were not any Wells Fargo banks. I see it negatively affected me on my credit because I don't pay them back what they claimed I over drew the acct of. 

Looking story short, when my mother passed away my sister was in " charge '' of the accounts since my mother couldn't get up and go to the bank. This resulted in my sister over turning money that was sent to me, that I needed as a student. Wells fargo claimed there was nothing to be done.

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 2022-12-11
Company: Sterling Infosystems Inc.
State: WA
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:
There is a problem with background check showing a criminal charge for XXXX oregon and I have not been convicted of that charge so it shouldnt appear on my records.

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 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate info and unknown things being on my credit report to transunion 60 days ago. I have not received as response yet and seems as if my disputes being ignored

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 2022-08-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Completed a Deed-in-lieu in XX/XX/XXXX with Pennymac loan services. XX/XX/XXXX Pennymac reported a late payment on my credit report for non-payment after release of lien was issue in XX/XX/XXXX and XXXX completed in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently viewed a copy of my consumer credit report and notice a bunch of unauthorized Inquires. The List below is all the unauthorized Inquiries on my consumer credit report. 

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

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 2022-12-11
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
Overdraft fee in the amount of {$35.00} on XX/XX/2022 XXXX waa deposited on XX/XX/2022 and was still charged overdraft fee on XX/XX/2022 transaction Monthly service fee of {$10.00} on XX/XX/2022

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 2022-12-11
Company: RGS Financial, Inc.
State: TX
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 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 a 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX XXXX my experience as the victim of a romance scam. I didn't learn this until XX/XX/XXXX when it was proven to me by a friend, not BECU. This bank has made it difficult for me to withdraw money beginning in the summer of XXXX which eventually led to expulsion from the credit union after having been a member for 40 years. The credit union didn't approve of how I was spending my money and decided to eliminate me as a member after a few phone conversations with their Criminal Investigation Unit. In the final phone call to notify me of my expulsion the final words were, " good luck in finding another bank that will take you on. '' They have labeled me as a participate in 'fraud ' of which I have not done. There is no proof and the bank has notified the banking institution watchdogs of this issue making it difficult for me to maintain a banking account with other banks. I started using the XXXX XXXX XXXX account and was again sent a letter notifying me that they had made a 'business decision ' to remove me as a customer. The claim that I am a willing participant in 'fraud ' is totally ridiculous and scandalous. I want this removed from any banking information that is associated with my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: World Acceptance Corporation
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:
15 isc 168 section 602 states I have right to privacy it also states 1681 604a a consumer reporting agency cant furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: AZ
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: Was not notified of investigation status or results

Complaint:
I sent out letters to All three credit agency 's and notified them of the issue on XX/XX/22.

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 2022-09-28
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On Wednesday XXXX XXXX my car was repossessed without any notice or phone call prior to how long or how close I was to that point. I have been calling with the lender Hyundai Motor Finance every other day to let them know I will be making a payment due to me being sick with XXXX  and it taking me out of work for quite some time. Also due to many job changes, they have not offered me any payment deferrals or any type of assistance to help skip a payment or change my payment amounts to assist with keeping my car. They have done nothing but threatened me that my car will be sold in auction and are demanding XXXX $ to get my car back that they illegally repossessed and took without any notice to me until after it was collected. I am on the verge of losing my job, they have not been willing to release the car after making small payments and talking with them that they took it without notice to me so I am trying to get it back. I paid XXXX of that and now I am being told I have to pay the storage fees and the remaining balance which is deemed unfair to the consumer as myself. They also have my personal belongings and I have not been able to get in touch with anybody to get them. I want my car back now, and those fees waived.

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 2017-08-12
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: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting a bankruptcy write off in XX/XX/XXXX. The bankruptcy was filed in XX/XX/XXXX, discharged in XX/XX/XXXX and paid in full in XX/XX/XXXX. XXXX sold the mortgage in XX/XX/XXXX and was not even a party in the discharge. XX/XX/XXXX is almost 5 years past the filing, over 4 years after the discharge, over 4 years since they sold/transferred the loan, and over 6 months since the loan was paid in full to the Company they sold/transferred the loan. Impossible to have ANY activity in XX/XX/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 2022-12-11
Company: United PanAm Financial Corp.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My car was repossessed on the day the bill was actually due I assume somewhere around XXXX. I was on the phone with them speaking to different people and requested a copy of the policy because they told me I need proof of insurance proof of employment and could only pay through XXXX XXXX which was not near me. I asked to see copy of policy stating this is how they do business and was denied and told if Im going to keep asking for contracts and policy they will not give me my car back. After two- three days of struggling to get to a XXXX XXXX cash only place and get to my car Friday I finally got there and they stalled for hours getting to release my vehicle and the place closed. Monday I went back to get my vehicle and had to pay {$150.00} to the yard that had it and my car actually would not start and I had to get a new battery. They parked the cars so tight my car was actually scratched and dented in the process. While locking over the paper they had me sign I realized they over charged me by XXXX XXXX and they never told me of the fee I had to pay to the car lot. They have also charged me an extra {$150.00} stating it was because they did not have the keys to my car and why would they when they repossessed it without my knowledge. Which was not on the paperwork they had me sign nor was I told about it upfront. I have recorded all our phone conversations and I do have copies of the paperwork I signed. They completely ripped me off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
On XXXX XXXX, I dropped six ( 6 ) money orders in the drop box of the post office located on XXXX and XXXX XXXX in XXXX, MI. About two weeks later I started getting calls saying my notes were behind. I checked with MoneyGram and discovered that at least one of the money orders had been cashed on XXXX XXXX. I called MoneyGram again trying to see what my next step should be, and they informed me that all of them had been cashed. I was told that I needed to get a photocopy of each money order even though I had all of my receipts before they could investigate and even then, they could not guarantee I would get my money back. Each photocopy came with a cost of {$18.00} which I can not afford. It is my belief that the money orders were stolen from the drop box, and someone should be held responsible. I sincerely hope you will be able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
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: Old information reappears or never goes away

Complaint:
Experian hello, my name is XXXX XXXX, and my SS is XXXX. Experian has been operating outside of the mandate of the United State Congress granted to Credit bureaus. for over 5 years I have contacted Experian about the incorrect information on my credit file by mail, about 5 times, and by phone 2 times and they refuse to make the necessary correction. on my credit, they have closed accounts and charged off accounts, as an open credit line. At present, I only have XXXX open credit card account for {$1500.00}, but Experian is showing all my charges off and closing account open lines of credit. 
They have over XXXX different addresses I have not lived to in the past 5 years. This is one of the most dishonest outfits I have ever seen.

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