BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I bought my car in XX/XX/2023 with a high interest rate of over 25 %. Credit acceptance is getting sued for high interest rates. This rate is very high.

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 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
According to FCRA laws if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

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 2023-04-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$110.00}, XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: JPMORGAN CHASE & CO.
State: NV
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:
My business account was XXXX XXXX was charged {$79.00} for overnight freight charges from XXXX XXXX. I called the company to get the full amount that was to be charged and was only quoted {$180.00} which was paid. I disputed the charge with Chase because after calling the merchant they refused to credit the {$79.00} charge. This company XXXX XXXX has a history of doing this and a bunch of negative reviews on how they conduct business. Chase always debits your account and stick with whatever the merchant say even after sending all documentation because they get fees from the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: EQUIFAX, INC.
State: MA
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: PA
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:
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. 

I told the Experian to reinvestigate these accounts : XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX # XXXX, XXXX XXXX : # XXXX. XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-06-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account 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 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 explanation
Consumer complaint received 2020-03-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On, or about, XXXX of Year XXXX, over {$500.00} in fraudulent charges posted to our Chevron/Synchrony Bank credit card from a XXXX, Texas location. We have never traveled to, nor visited XXXX, Texas. Moreover, our owned vehicles do not have a tank size to accommodate the amount charged at each fueling in XXXX, Texas. 

Chevron/Synchrony Bank was contacted monthly in Year XXXX, both by telephone and at the Chevron/Synchrony website, regarding the fraudulent charges to our account. 

Chevron/Synchrony Customer Service promised each month that it would be 45 to 60 days for the fraudulent charges to be researched and corrected. Chevron/Synchrony Customer Service promised that this matter would be escalated to a supervisor. 

In fact, the XXXX County Sheriff Department in California actually detained, arrested and prosecuted the criminals who had perpetrated these crimes upon California citizens with Chevron/Synchrony credit cards. The crime was covered by news media in California and we have records of all the fraudulent charges. Still, after being notified over 12 times in Year XXXX, Chevron/Synchrony has done nothing to correct the fraudulent charges to our account. 

We paid the legitimate charges in full each month for all of Year XXXX, minus the fraudulent charges. Chevron/Synchrony then began charging MONTHLY INTEREST on the " disputed and fraudulent charges. '' As of XX/XX/XXXX, over 1 full year from our first notification to Chevron, fraudulent charges have not been corrected and interest on the fraudulent charges continues to accrue. 

Worse, the victim of the fraudulent charges is a senior citizen and is a United States Veteran of foreign wars. 

Any help toward remedy and redress is greatly appreciated. 
Thank you.

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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - 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 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 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 2021-04-16
Company: Experian Information Solutions Inc.
State: CA
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 have received a letter from Experian that they " have added an Extended Fraud Victim Alert to your credit report as requested on your behalf '' i never gave Experian permission to a fraud alert let alone an EXTENDED FRAUD VICTIM ALERT. Experian has been making it hard for me to acquire credit from creditors due to this fraud alert. They are in violation a few laws for doing this ; 15 US code 1681 ( a ) ( 4 ) - There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It is not fair that i am getting declined for loans and credit and they are not respecting my right to privacy.

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 2021-12-30
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was contacted by Venmo on XX/XX/21 that my acct had been " restricted '' or frozen for a security issue. I was told to send via link a pic of my DL and another of me holding my DL. This was sent twice before they acknowledged getting it. 
IN between that date and now, i have rec 'd many emails from Venmo support that various attempts at a password change and access from a " new device '' had been attempted. 
On XX/XX/21 i was told acct was frozen again. Again, i sent in pics verifying me so my acct could be unfrozen. On XX/XX/21, my acct was unfrozen per Venmo but before I could cancel the acct, an unauthorized charge was done w/ my acct on XX/XX/21 to a strange email AND i got mult emails saying my email to my acct ID had been changes as well as my phone number! 
I called to report that I didn't do any of this, but bc I could no longer verify my acct bc a hacker had changed my info, they wouldn't do anything. Venmo 's answer to this hack scam was to send my " helpful articles '' for my issue, which didn't even relate. 
So here I am, almost over 1 mth since this acct insecurity started, and still NO RESOLUTION. 
I want to close my acct immed, but venmo won't let me bc my verifying info doesn't match bc they allowed a HACKER to change it! 
They only contact you via email, you can not speak to anyone that can do anything and it's a constant email tag. Meanwhile, i feel violated and XXXX by this company. They have verified my acct via pics i have sent, but won't close my acct and I can not do it myself bc my login was hacked. My acct is exposed and Venmo will not do anything. I have sent many emails and done my part but they are refusing to close my acct, wanting me to do through App, but again I told them I can't even log in to my acct bc it was changed by hacker. 
Their " security '' is NON SECURITY. The crooks have access to our accts illegally, but the actual owners after verifying are blocked! 
I JUST WANT MY ACCT CANCELLED AND CLOSED BEFORE ANY MORE SENSITIVE INFO GETS IN THE WRONG HANDS. THEY WILL NOT HELP ME! I DON'T KNOW WHAT TO DO! PLEASE HELP ME PROTECT MY INFO AS VENMO CARES LESS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I applied for a XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX on XX/XX/20. The company reached out to me for an interview on XX/XX/20 and offered me a position an hour after the interview. The succeeding days including signing a contract and them emailing a check worth {$2000.00}, citing it as a way to set up direct deposit. They then told me to wire the money from my bank to a vendor to pay for training materials and I would start training upon receipt. I wired the money at my bank on XX/XX/20. After wiring the money, I was told that training materials would arrive on XX/XX/20. I get a message saying the company would need to redo the process again and they would email me another check. When I checked to see if the first wire cleared, I found out I was locked out of my bank account because the bank bounced the check but didn't cancel the wire transfer. My account is currently in danger of being sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
What Happened? 

I wish to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute with Wells Fargo regarding an unauthorized chargeback that caused me significant financial and psychological harm. 

Please see the attached PDF file containing all relevant documents and evidence.

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 2022-03-04
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:
This alleged account with XXXXXXXX XXXX XXXX : XXXX was opened in my name under false pretense this is a demand and comply communication from the consumer and natural person XXXX XXXX, for the sole purpose pursuant to 15 U.S.C 1681c-2 block of information resulting from identity theft now under the FCRA your company TRANSUNION has 4 business days after the date of receipt to comply with this correspondence for this account reported as fraud I will be attaching a copy of my identity theft report, my drivers licenses, a bill in my name and a copy of my social for identification purposes.

This account being reported is a violation of the following codes pursuant to FAIR DEBT REPORTING ACT, FAIR CREDIT REPORTING ACT & the TRUTH IN LENDING ACT 15 U.S.C 1681d ( A ) ( 1 ) - 15 U.S.C 1681a ( d ) ( 1 ) - 15 U.S.C 1681a ( d ) ( 1 ) Please also understand that these accounts being reported is a violation under 18 U.S.C 1028 FRAUD ANS RELATED ACTIVITY IN CONNECTION WITH IDENTIFICATION DOCUMENTS, AUTHENTICATION FEATURES, AND INFORMATION. 

Please note this is not a request for an investigation or verification this is a demand and comply request to block this fraudulent account from reporting. 

The matter pertaining this account Is subject to litigation and will be brought upon every party liable for violating my rights as a consumer for my lack of consent, authorization & knowledge of such fraudulent reporting activities A DEMAND AND COMPLY complaint/dispute was sent to transunion via certified mail on XX/XX/XXXX and delivered XX/XX/XXXX and it contained a copy of my identity theft report, ID and social security card.

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 2023-09-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
It has come to my attention that you CHASE Bank ( Person ) are reporting my transactions with your company to the consumer report. You CHASE Bank ( Person ) have reported a transaction on account ending in XXXX on this day XXXX, XXXX XX/XX/XXXX between I XXXX XXXX the ( Consumer ) and your self CHASE Bank ( Person ) and according to the Fair Credit Reporting Act 15 U.S. Code 1681a. 

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; The term in the consumer report does not include reports containing information solely as to transactions. The transaction history between myself XXXX XXXX the ( Consumer ) and you CHASE Bank ( Person ) is excluded from the consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Consumer Portfolio Services, Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Received auto loan from Consumer Portfolio Services during bankruptcy. 
Made payments for several years via company website, with {$12.00} fees. Recently did some searching on the website and realized that there are no-fee options. ( Pay Near Me ). This information is not readily available on the website. Due to financial difficulties, I paid late, accumulating late fees. I was able to bring my account current this year, yet my monthly statements show Late/Service fees of {$7.00} and {$5.00} for the last XXXX months, respectively, with no explanation. Regular monthly payment plus fees does not match amounts due. I have consistently received phone calls and texts stating that my account is past due 1 day after due date, as well as past due texts after making payments on time. 
There is no indication of where my previous payments have been applied. I have paid more than monthly amount due, yet fees remain. 
There is a notice on my monthly statements that literally reads, " A fee of up to {$30.00} will be assessed on all '' What does that mean?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Bank of America removed autopay from my credit card causing me to miss a {$15.00} payment, dropping my credit score XXXX points. I have been successful in getting the interest charges removed, but was told my request to remove the credit mark was not approved. After countless calls with BoA, their explanation was that they technically sent an email to say that autopay had been removed and that I should have been on top of it. On XX/XX/XXXX they did email me to say my autopay accounts had been removed, but I didn't see it in a sea of daily spam from BoA. I should also add that I had a scheduled payment for XX/XX/XXXX from the account that was terminated, which would have given me only 3 days to add a new payment amount and pay my bill. BoA did not email me to say my bill had not been paid once the deadline was missed. 

I have never been late on a credit card payment in my life. I pay my bill in full every month. I only keep my BoA account open because it's my longest standing credit card. I believe BoA is intentionally making bill pay difficult for people in order to charge interest and ruin credit. While I could have avoided this if I had immaculate monitoring around my account, I assumed that such a basic feature would be no problem for a large bank like BoA, but I incorrectly assumed their motive is to provide a positive experience for their customers rather than fraudulently manipulate them. 

I argue that BoA shouldn't be removing autopay from accounts, and in my case should be forced to withdraw the late credit mark on my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-22
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Insanely high interest rates almsot XXXX  times what is owned

Company response to consumer: Closed with explanation