BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-15
Company: AC AutoPay LLC, Denver, CO Branch
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
XXXX XXXX said I had outstanding odds on getting a auto refinance, at a rate of 3.51 % with XXXX. On XX/XX/2023, I applied. Application number : XXXX. They immediately want me to start uploading documents such as my drivers license, vehicle registration, etc. 

It took XXXX days of talking to XXXX from XXXX. I was then told they couldn't get me a lower rate. On XX/XX/2023 I get this response to my complaint about poor business practices. 

" We have been trying to understand why XXXX XXXX keeps offering numbers to everyone that are below the federal reserve rate and not realistic numbers that banks are currently financing at. For that I am sorry for the confusion. '' Looking on autopay.com they advertise rates as low as 2.99 %. 

Multiple hits on my credit report. Time consuming process to apply and answer all the follow-ups. All for nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Credit Karma, LLC
State: CA
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: Investigation took more than 30 days

Complaint:
I submitted a dispute with credit karma on XX/XX/2022. They informed me that the dispute should be resolved by XX/XX/2022. However, its now XX/XX/2022, and the dispute is still processing. Its now gone over the 30 days allowed and I would like this removed from my credit report. I tried contacting credit karma but Ive gotten no answer or call back. The agency I disputed is called XXXX XXXX XXXX in XXXX, MA. Please help as I dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Westlake Services, LLC
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Westlake settled my auto debt for {$2500.00}. The settlement has been paid.

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 2023-11-25
Company: Shellpoint Partners, LLC
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My mortgage was transferred during Covid to Shellpoint mortgage service from XXXX during Covid. I was initially placed on forbearance, and when the forbearance was over, Shellpoint put me on scheduled payments. I paid every payment either early or on time. The first payment was due in XXXX. Once I was given the amount, I paid it early in XXXX. Shellpoint reported it 60, 90, and 120 days late, although it was never late, paid early, or on time ( see attached documentation ). I sent documentation to XXXX verifying this, but they have not removed it. I have never been late. I was under COVID-19 protection once over ; I immediately resumed payments. I have been dealing with them for over two years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
n accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX, has violated my rights 15 U.S.C. 1681 section 602 A. states I have the right to privacy.

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

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 2021-09-25
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Im super frustrated. My name is XXXX XXXX. My citi bank account closed on XX/XX/2020. But i havent received my full balance untill I complaint to cfpb to get my money back. Recently citi bank emailed me saying they will refund my money back. I only receive {$12000.00}. But Im still missing {$8800.00}. I called state to know if they receive any fund with my name from citi bank. But they never receive anything neither me. Im so XXXX. Im totally broken and citi bank is harassing me a lot. Im so sad and mentally disturbed by their actions. They closed my account with out giving any notice and still I dont know the reason for closing my account. I need rest of money back. Every time I call customer service they dont help me. Even I went to the bank and they are not helping me either. Im seeing XXXX XXXX for this reason. And I tried to XXXX XXXX  so many times because Im XXXX XXXX XXXX because of citi bank and their harassment. They XXXX XXXX me.. I need my refund please I need to pay my rent and college. Please help Me to get my money back from citi bank.. I still need {$8800.00} which citi bank never gave me. I have complaint before to cfpb to get my money. And they only refund me some Portions not everything. 

And my citi bank card number is 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 2023-11-25
Company: U.S. BANCORP
State: AZ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I need to set up auto pay, no one can help me over the phone. There is no link to set up a simple autopay online, just a link to download a pdf to fill out and to mail in. The form does not even have a fax #. I am not going to the post office just to send a piece of paper to the bank to pay. They should have a link to set up online.

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 2023-01-16
Company: Experian Information Solutions 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:
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2021-10-13
Company: Conduent Incorporated
State: SD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX  a wire transfer for XXXX was taken from my account. On XX/XX/XXXX  I was notified by the card company via email that my pin was changed. I immediately got online and found that a XXXX wire transfer was done on my account. I did not authorize or complete this transaction myself. I immediately changed my pin and password, called the card company, cancelled my card, and reported the theft. The card company cancelled my card, reissued a new one, and sent me paperwork to file the theft claim. I received the theft claim paperwork on XX/XX/XXXX  I immediately filled it out and faxed back to the company. They never received it. Apparently I was given the wrong fax number. I then put the paperwork in the mail. I called daily for 2 weeks before they received my claim. They told me Id get my money back on my card within 45 days. They told me to call every 24 to 48 hours to check my claim. The first time I called, they said my claim was denied and closed. I request the information they used to close and deny my claim, but they couldnt tell me. I asked to speak to a supervisor, they said they dont have a supervisor. They finally reopened my claim and again told me to call every 24-48 hours. I would call and be on hold from 1 to 2 hours every single time I called. Nothing was ever done for 3 months, always being told my case was still being investigated. I quit the daily called in XXXX. I would call every week after that and still not result. Finally on XX/XX/, I was told by the card company my case was once again denied and closed. I have been asking for the account number where my XXXX was wire transferred to and they would not give it to me. Finally on XX/XX/XXXX  I was give the routings number and account number to where my money went. I called the XXXX bank in XXXX XXXX, sd where my money was wired to and asked about that specific account and told them about the theft from my account. They told me that specific account was flagged and closed on XX/XX/XXXX  for fraudulent activity and flagged by their dispute team. I call my card company the same day and told them. And requested my money be put back on my card for the 50th time. They transferred me but I was continually hung up on. I called again on XXXX XXXX XXXX  and was on hold for 3 hours before I finally gave up. 

Apparently my card company did not investigate this theft, otherwise they would have found out the theft account was closed and flagged for fraudulent activity. I had to do it on my own. 

I am requesting your assistance in recovering my money. It was my unemployment benefits. The only money I have. I am still unemployed and have no resources. Please help me get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I left my phone at a restaurant and did not return to pick it up until around an hour later. When I retrieved my phone I immediately noticed that there were 3 unauthorized XXXX payments for {$250.00}, {$1000.00}, {$260.00} back to back in quick succession to an unknown LLC. I immediately called Chase Bank to contest the unauthorized access to my account which was done through my phone. I spoke with a representative and explained my issue and was told that within 10 days I would receive an update on my claim. Over 10 days pass and I called back Chase Bank for an update. When I called this second time I learned that a claim had never been created and I was forced to repeat the initial process and give the details of my situation. I was then told to wait 10 more days for an update. After these 10 days, I called Chase Bank for a third time and was notified that my claim had been declined and that I would need to provide additional documents to support my claim. An example given was documents from the restaurant proving that I had lost my phone. Obviously, at this point nearly a month has passed and it is impossible for me to obtain these documents. Had my initial claim been filed when I immediately called I would have been in a position to obtain corroborating evidence from the restaurant. I was then told that my claim would be looked at again and to wait 10 more days. I wait 10 more days and call back in and it has been closed and can not be reopened without any additional documents supporting the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: NV
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:
Someone had gotten a hold to my information and purchased plenty of things with my stolen debit and Id card I then had to replace along with other things that came up missing in the aftermath. I thought this was something from XXXX that I purchased from XXXX XXXX for XXXX and maybe they may have gotten the amount wrong but I still didnt understand why it is over XXXX Ive never purchased anything for this much but after looking further into after I been trying to figure out what is this and why is it showing up on my credit report this is an unauthorized charge I dont know where this came from and I would like them to investigate this so I can get it removed asap its putting me in serious debt and its not my debt I didnt do this I dont know what this is and have tried calling XXXX XXXXXXXX XXXX after looking up the number online and they never answer the phone I can never speak to anymore I left messages I tried calling another number of theres that came up and I still am not able to speak to anyone

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 2019-04-08
Company: SYNCHRONY FINANCIAL
State: FL
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:
On XX/XX/XXXX SYNCB CARE CREDIT received a letter disputing the account they were reporting on my credit report. ( Please see " SYNCB/Care Credit Letter 1.pdf '' and Screen Shoot For " SYNCB/Care Credit - Delivery 1.png and " SYNCB/Care Credit - SIgned 1.pdf '' ) I know that SYNCB CARE CREDIT had 30 Days from receiving my dispute to respond and added place a " Notice of Dispute '' on my credit report. 

30 days after XX/XX/XXXX I checked my credit report and SYNCB CARE CREDIT Failed to place a " Notice of Dispute '' on my account. 

XX/XX/XXXX, I sent a follow-up letter to SYNCB CARE CREDIT. ( please see " SYNCB/CARE CREDIT Letter 2.pdf '' and " SYNCB/CARE CREDIT - Delivery 2.png and " SYNCB/CARE CREDIT - SIgned 2.pdf '' ) The follow-up letter was to notify them of their mistake ; That they violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day Period.

Additionally, I've added signed copies from SYNCB CARE CREDIT proving they not only got the letters but also signed off on the letters. 

Finally, it is Monday XX/XX/XXXX about 6 months after and they still have not corrected their mistake. See " SYNCB XX/XX/XXXX '' png

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 2023-01-16
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the fair credit reporting act XXXX account number XXXX has violated my rights. 15 U.S.C 1681 Section 602A states that I have the right to privacy. 15 U.S.C 1681 Section 604A section 2. A consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

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

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 2023-02-08
Company: DISCOVER BANK
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear DISCOVER CREDIT CARD ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
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: Information belongs to someone else

Complaint:
I reported identity theft to the bureaus, requested a freeze. I went through each step with the FTC. To no resolve. My use Idenity has been completely taken over. Unemployment claims, XXXX accounts, online payments, even XXXX refuse one now. 
My ex finance stole my information him ( XXXX XXXX XX/XX/XXXX  ) and his girlfriend XXXX XXXX took advantage of my XXXX  XXXX  and took everything from me. I I dont know what to do. Its been months, things are getting worst. He even sends fake letters requesting money. Please help 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 non-monetary relief