BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: MO
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:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 this creditors has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states that the consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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. 

XXXX XXXX : XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30days late ) XXXX XXXX  : XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late ) XX/XX/XXXX ( 90days late ) XX/XX/XXXX ( 120 days late ) XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30 days late ) Capital One Auto Finance : XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30days late ) XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30 days late )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: BlockFi Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have XXXX stored on BlockFi digital wallet. Per XXXX  they can not use those funds or lend it out yet I am now unable to access my wallet or transfer out of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Synovus Bank
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: Account status incorrect

Complaint:
In XXXX or XXXX of 2022, there were fraudulent/ unauthorized charges on my credit card in the amount of {$200.00}. I called my credit card company and filed a dispute for these charges. I was informed the transaction would be investigated and after 30 days would receive the results. After 35 days with no update, I reached out to the company to see what was going on. I was then told that my account would be credited the {$200.00} and that any past due/late fees accrued during this time would be waived. 
Another month passed and I received notice from my credit bureau that the account was delinquent and over the spending limit. My XXXX XXXX dropped significantly due to these claims. I once again reached out to my credit card company and was told that the account should have been credited {$200.00} back in XXXX and the past due and late fees should have dropped off. The representative could not explain to me why the company had not yet processed the credit and removal of any fees. I received a letter in XXXX that my account has been closed " per my request ''. I never requested for my account to be closed and once again, the representative could not give me information as to why the account was closed. The credit bureau is reporting a late/delinquent/closed account for my XXXX XXXX account, all of which is inaccurate and damaging. The company failed to remove my late fees and past due fees the accrued in association with an account credit of {$200.00} that was supposed to be honored. Due to their negligence, my account went past the spending limit due to late/past due fees and no promised credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: CNG FINANCIAL CORPORATION
State: AL
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:
Victim of Identity theft and I have credit inquiries on my consumer report I don't recognize or did not authorize. Please see inquiries below : XXXX XXXX ( BANK ) - XX/XX/XXXX, XXXX XXXX ( BANK ) - XX/XX/XXXX, XXXX XXXX XXXX  XXXX - XX/XX/XXXX, XXXX XXXX XXXX  XXXX - XXXX, XXXX XXXX XXXX XXXX ( AUTO ) XXXX, XXXX ( FINANCE ) - XX/XX/XXXX, XXXX XXXX XXXX ( MISCELLANEOUS ) - XX/XX/XXXX XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSWORLD SYSTEMS INC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In my XXXX account portal i have a collections for {$700.00} from a company ive never done business with or permission to contact or report on my behalf. Aswell the amount highlighted on the collection is incorrect and false. this has cause grave anguish in my personal life as it has affected the way i am viewed and tarnished my name for future relationship with creditors. This company has attempted to collect this incorrect/false debt by harassing and calling repeatedly as well as reporting with XXXX this incorrect collection and tainting my image. 
thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021

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 2022-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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/2022 an order was placed for a XXXX XXXX Jacket XXXX  XXXX through XXXX with XXXX XXXX XXXX. On XX/XX/2022 my package arrived damaged with the jacket missing. XXXX was notified and I was told to keep the contents that I received until my issue was resolved. XXXX XXXX was notified about this issue and I was told by XXXX XXXX that I needed to file a claim with the carrier, XXXX. A claim was filed with the carrier and was also denied due to it being filed incorrectly. XXXX XXXX XXXX is the only party that is allowed to file a claim with XXXX  due to contractual agreement that they have with them. I have provided the letter to Bank of America.

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 2023-02-18
Company: Experian Information Solutions Inc.
State: NJ
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. 

XXXXXXXX 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 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 2019-09-24
Company: EQUIFAX, INC.
State: UT
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 two lates on my account in XX/XX/19 and XX/XX/19 that should not be there. My ex wife missed the payment and I was never notified from XXXX XXXX that there were any lates, I didn't even know I was on the loan. As soon as I found out about the lates I went and paid them but they were already reporting late to my credit. This is not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: MI
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 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 XXXX 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I recently locked my card Friday, XX/XX/XXXX of 2023, through online banking to prevent a charge from being processed on my account. The problem is when trying to unlock my card again Bank of America asks me to verify my identity as if I am not the one that just locked my card. Usually to verify they would give you other options like sending a gmail or text but I did not get these options, the only option I got was to call a number to get a code. I contacted the support number and they were trying to help but since I currently don't own a cell phone there is no way for me to receive a verification code or verify my identity which is absolutely crazy to me. Representatives all seemed helpful at first and then all told me the same thing which is there is nothing they can do to help. Even with my email being my preferred way of contact and me answering all my security questions I no longer have access to my checking and I cant order a new replacement card because I don't have a cell phone. I even stopped by my nearest branch and the manager could not help me, they tell me mobile is the only way to do so. As of today my account is locked and although I have access to my account through Online Banking I cant do anything such as withdrawal or card use without a verification code so my money is just sitting in an account, please help.

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 2022-12-27
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 2018-08-31
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: Credit inquiries on your report that you don't recognize

Complaint:
I have been a Victim that Transunion knows really well about and that the the INQUIRY ISSUE that they experienced a while back. I have tried to reason with Trans-Union Credit Bureau and eerytime they have refused to address this situation. I have simply asked them to clear my Hard Inquires and they have refused to do so.

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 2023-12-13
Company: PNC Bank N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
As per my records, I have not yet received the remaining balance from my closed account. I kindly request your assistance in investigating and resolving this matter promptly. 

Please provide me with information on the status of the transfer or any relevant details that can help me understand the delay. I appreciate your attention to this issue and look forward to a swift resolution. 

If there are any forms or procedures I need to follow to expedite the process, kindly advise. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have sent documents showing that this account have reported several months different from what they have been trying to collect as well as they haven't sent me all the documents to validate this debt and it has been over three months while they send me bits and pieces of documents. It should have been deleted after the first 30 days of them not sending any validation documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Chime Financial Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was contacted by a representative named XXXX impersonating a tech support from my bank company Chime. I was told I was having issues with my account and needed to transfer money in order to authorize a purchase I made on XXXX XXXX. He stated my account expired and that I needed to transfer my money into the new account. I proceeded to send {$2000.00} through XXXX on chimes app to a XXXX XXXX ( XXXX XXXX XXXX XXXX I proceeded to contact the actual chime support to let them know what happened and was told there was nothing that could be done for me. I called again to see if I could file a dispute and was told it could take up to 45 days and thats only IF I qualify for a dispute. I am currently out of {$2000.00} with XXXX dollars left to my name. This is has been the worst experience of my life as I am trying to move into an apartment in 2 weeks but now will be homeless due to this incident. I am reaching out to see if there is anyway possible for you to help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, WA XXXX ; XXXX XXXX XXXX XXXX, LA 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 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 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 explanation
Consumer complaint received 2023-05-02
Company: General Motors Financial Company, Inc.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I am currently on XXXX XXXX with the United States XXXX, assigned to XXXX XXXX, Louisiana. While on XXXX XXXX I purchased a XXXX XXXX XXXX automobile. The vehicle was financed with, and mortgaged to, GM Financial for approximately {$26000.00}. Because I fell into arrears on my monthly payments ( approximately 2 months ), in XXXX, XXXX, GM Financial seized the vehicle from my residence at XXXX XXXX, Louisiana, without any notice to me and without a lawful Court Order. 

GM Financial has a mailing address of XXXX XXXX XXXX, XXXX, Texas XXXX ; telephone no. ( XXXX ) XXXX ; FAX : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
How to start. There seems to be A problem.it believe it begins with my car being broken into abd my wallet was stolen. Had all my credit cards.and drivers license and social security. They used up all my credit. 
Bring recently released from being XXXX and trying to help my family. I see my credit gone to XXXX and do n't know how to repair. Or report it. Need some help ASAP to prevent this identity theft and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I applied for a loan, in order to Purchase a Vehicle. The action, the company took, was to Deny me an Extension of my Consumer Credit.

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