BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-15
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX, I got a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. I paid dealer {$1500.00} and trade in {$100.00} for my XXXX XXXX XXXX. I contacted dealer twice and asked them why they overcharged me approxiamately {$1300.00} over the XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX Typical Listing Price Breakdown sheet from the dealer. XXXX Typical Listing Price Value is {$6600.00}. 
Dealer charged me {$7900.00}. This is dealer fraud. I want my money back. Dealer stole my down payment of {$1500.00}. The dealer overcharged me for this used car.

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 2021-05-25
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/21, Coinbase.com temporarily suspended my account due to concerns of hacking activity. They promised to get back with 4-5 business days which is now past without any communication. Ive emailed them countless times, filled out customer service notes, tried to get their attention on XXXX, XXXX, nothing. They dont even acknowledge my messages. This is my ticket number # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have a Best Buy Visa Credit Card and am constantly receiving promotional offers for balance transfers only to be declined when applying for this feature. The customer service representatives flat out lied and denied that this offer was available on my account on one occasion. After running my credit they disqualified me for having to many open accounts, which defeats the whole purpose of the balance transfer, because if I transferred all my balances to that one card I would only have one account. The problem is that coerced me into a credit pull, which I normally wouldn't have granted permission for, in order to market they're low interest product only to tell me that I don't qualify. My account with Citibank is in good standing and current. Not only did they violate my privacy by doing this, but they also discriminated against me based on criteria that does not apply to this account. They claim to be compliant and that they are not enforcing another banks policies. This sounds to me like antitrust.

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 2020-05-10
Company: EQUIFAX, INC.
State: MD
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 need to lift a freeze with Equifax. I am unable to sign in on online. When I call, I only get an automated message, I can not talk to a live person, the info I provided does not work and phone is terminated. I need to lift the freeze, I have no way of doing it, as I can not speak to a person. My email and XXXX message have gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account for no reason and will not help me get it back up and going, i'm not sure if this is some mistake as i assume it has to be. i have not been able to get help from them for months but i just remembered i could file a report here as i feel they are not doing thier job properly and it is affecting me a great deal as i used Paypal frequently .The email attached to my Paypal account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
Company: Atlanticus Services Corporation
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:
XXXXFORTIVA is showing the following inaccuracies Account Status : Derogatory for all 3 bureaus Account shows the high balance spent is {$300.00} of a {$3000.00} credit spending where I was never late. 
Last Reported dates are not consistent XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Comments needs to be removes on all credit reporting agency XXXX is reporting- this account was part of a XXXX  XXXX ; wage earner plan account - never been apart of any bankruptcy. 

XXXX is reporting -This account was never purchase by another lender There was never an Unpaid balance reported as a loss by credit grantor. 
This debt was never included in any in or discharged through Bankruptcy XXXX XXXX. 

XXXX is reporting- Account never involved in XXXX XXXXXXXX debt adj. 
Account never was transferred or sold Never Included in XXXX  XXXX Dates with last activity is all different for all three credit bureaus. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX - XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
I purchased a money order to pay for my employment authorization form. I was not asked for identification at the time. The money order was returned to me by  Homeland Security since the amount was not needed. I returned to cash the mone y order and I was told to provide a valid identification or else it can not be refunded to me. I just applied for   XXXX   XXXX   and I am a student at  XXXX   XXXX   XXXX   XXXX   XXXX . I came to t he USA o n  XXXX   XXXX . I provided my passport along with my receipt for adjustment of status and my student Identification card but they would not accept it. They still have my money. Kindly do what you can to help me get my money back. Attached are documents relevant to this complaint. The money order, my student ID, and my receipt for adjustment of status as well as my passport. Please let me know if you need anything further.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: Flagstar Bank, N.A.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My original loan was sold to Flagstar Bank. Since then, Flagstar has been adding fraudulent late fees on my account. I called about it and was told they would remove it and its still occurring. It started months ago when my escrow fell short. I had the option to pay the difference or have the mortgage go up to make up the difference. I attempted to pay the difference using their online system but they said the payment didnt go through because either the account number or routing number was wrong. Once this happened they sent the payment attempt ( which was optional ) to collections and I had a collections department call me about less than {$50.00}. Since then, theyve assigned a fraudulent late fee to may account that is rolling over every month and causing more fees. Ive never been late on a mortgage payment and use the same bill pay Ive always used. When I spoke to a rep, they said my payments have been on time. This escrow collection and late fee is erroneous and attempt to financially penalize me despite never being late.

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 2019-03-26
Company: ERC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an alert from XXXX, XXXX XXXX and XXXX reporting agency ( s ) on XX/XX/XXXX that reported a collection debt that was added to my credit reports. I called Enhanced Recovery Company on XX/XX/XXXX and was told that they were representing XXXX and collecting a debt, I told the rep that the debt did not belong to me. I filed a complaint to CFPB back on XX/XX/XXXX Ref : XXXX against XXXX XXXX XXXX which resulted with the XXXX account being deleted from my credit files XXXX, XXXX and XXXX. It appears that Enhanced Recovery Company purchased the debt from XXXX XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX. This account was closed and deleted and now added to my credit file once again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: EQUIFAX, INC.
State: OK
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:
My personal information on my Equifax credit report is incorrect, including my name, date of birth, and former addresses. I have filed several disputes to Equifax between XXXX and XXXX both online and by mail and provided all requested materials and documents but the errors still haven't been fixed yet. I also called Equifax several times recently ( XXXX ) and they just asked me to repeat what I have done by sending repeated documents and eventually hung out the phone without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: NY
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:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that these information are 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$260.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}.

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 2021-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
All three credit reporting agencies has stated that they have investigated these personal informations and reported accounts listed below : Incorrect name reporting : XXXX XXXX XXXX Incorrect address reporting : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX Incorrect payment status/history : 1 ) XXXX XXXX  2 ) XXXX XXXX 2 ) XXXX 4 ) XXXX  5 ) XXXX I am 100 % sure that XXXX, TransUnion, and XXXX  has failed to investigate my personal information and these account accuracies especially XXXX that is no longer in business and there is no way to verify the validity of this account. XXXX XXXX, XXXX  card, XXXX, and XXXX accounts are reporting collection/charge-offs. However, none of these accounts were in collections or ever charged-off. These accounts were paid in full with no late payments. These accounts statuses needs to be updated reflecting that they were indeed closed by the customer, never late and paid as agreed. Again, XXXX, XXXX, and TransUnion has consistently reported each month incorrect information even after I challenged the validity and provided proof of identity.

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 2021-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Reviewed my credit report and seen there were accounts that does not belong to me. This is an act of fraud and the accounts on my report need to be deleted/ removed immediately. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : - THE XXXXXXXX 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 2021-04-17
Company: Experian Information Solutions Inc.
State: OH
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:
All three credit reporting agencies has stated that they have investigated these personal informations and reported accounts listed below : Incorrect name reporting : XXXX XXXX XXXX Incorrect address reporting : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX Incorrect payment status/history : 1 ) XXXX XXXX 2 ) XXXX XXXX 2 ) XXXX 4 ) XXXX 5 ) XXXXT I am 100 % sure that XXXX, XXXX, and Experian has failed to investigate my personal information and these account accuracies especially XXXX  that is no longer in business and there is no way to verify the validity of this account. XXXX XXXX, XXXX  card, XXXX, and XXXX accounts are reporting collection/charge-offs. However, none of these accounts were in collections or ever charged-off. These accounts were paid in full with no late payments. These accounts statuses needs to be updated reflecting that they were indeed closed by the customer, never late and paid as agreed. Again, XXXX, Experian, and XXXX has consistently reported each month incorrect information even after I challenged the validity and provided proof of identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
XXXX ,  XXXX  and  Trans Union are ign oring my numerous requests to investigate and remove accounts from my credit reports that do not belong to 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 2022-09-05
Company: CITIBANK, N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XXXX I fell victim to theft/fraud. My citi accoumt was compromised and unauthorized access occurred through my bank account/ citi XXXX XXXX XXXX account XXXX A private loan was attempted to be taken out, a line of credit in the amount of XXXX was processed, a XXXX  transaction in the amount of XXXX incurred and a XXXX dollar transfer occurred from my plus account to my checking ( which processed as a line of credit that I now owe ). I called my financial institution ( citibank ) to notify them of the activity and the fraud department associate that I spoke with on the phone was less than responsive to my needs and situation. Her response to my situation was less than supportive, she was aggressive with her questioning, abrasive with her responses and accusatory in nature. She informed me that the transfer from my checking plus to my chevking account was 'not an issue ' and that the money was 'still in my account '. When I informed her that I did not authorize that transaction she asked if I knew a... ( stated some name ) to which i reported I did not know this person. The conversation became less constructive as I felt personally attacked and gaslighted during her questioning and given her responses. She was not supportive of my concerns until after I asked to speak to someone else and also demanded a supervisor. She placed me on hold then later returned stating she would like to diffuse the situation and eventually took my statement ( then only asking questions about the XXXX  transaction ). At the end of the call, she instructed me that my account was being rendered inactive, card voided and that i would physically have to open a new account in person at a branch. I informed her that I did not live near a branch to do so and had asked if she would tell me the closest one available to which she said she could not help me with. This same evening I filed a dispute regarding the XXXX  transaction. Because I was only given the option to file a fraud report for the XXXX amount ( and was concerned that my other needs weren't addressed ) on XXXX I called to follow up regarding the other transactions and report my complaint to a supervisor within the fraud dept regarding the associate I originally spoke with. I was directed to call the identity theft division, needed to call the credit accounts associated with my bank ( to report the other activity ) and was able to add the XXXX transaction to my original report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
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:
XXXX is showing the following inaccuracies Account Status : Derogatory for all XXXX bureaus Account shows the high balance spent is {$300.00} of a {$3000.00} credit spending where I was never late. 
Last Reported dates are not consistent XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX Equifax - XX/XX/XXXX Comments needs to be removes on all credit reporting agency XXXX is reporting- this account was part of a XXXX XXXX ; wage earner plan account - never been apart of any bankruptcy. 

XXXX is reporting -This account was never purchase by another lender There was never an Unpaid balance reported as a loss by credit grantor. 
This debt was never included in any in or discharged through XXXX  XXXX XXXX. 

Equifax is reporting- Account never involved in XXXX XXXX debt adj. 
Account never was transferred or sold Never Included in XXXX XXXX Dates with last activity is all different for all three credit bureaus. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: Crow Creek Sioux Tribe
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Applies for payday loan for XXXX They take XXXX every 2 weeks. So far they took 7 payments out totaling XXXX! I guess I still have 13 more payments to go with this loan. Is this legal with such a high interest rate? A friend told me to look into 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