BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
A fake bank that does not say what type of account sent a random charge of {$560.00} was processed and sending a random link to see if it wasn't me to make changes to my supposed account. The number came from a random text message with an unknown phone number. The phone number was replaced with the supposed bank that I never made an account to. It leads to an address of XXXX which is not a phone number and probably not a real bank. I received the message on Sunday XX/XX/2023 at XXXX mountain time. I also have the message they sent to me and I'll post this below ( Alerts ) A deduction of {$560.00} was made from your account? Not you, click XXXX to cancel. 

No way am I clicking that link they sent. I was going to file the report to FTC but they brought me here. And they left no traces of a phone number. I'm going to screen shot the message and block the number from whatever number it came from

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: CREDIT ACCEPTANCE CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I am due to make the final payment on my car loan, with Credit Acceptance, on XX/XX/XXXX. According to their web site my final balance is {$440.00}. A few weeks ago I called them to verify the balance on my loan. The agent would not give me the information I requested. She kept dancing around the issue and saying she couldn't give me an amount until XX/XX/XXXX, when my payment was due. I made the XXXX payment on XX/XX/XXXX. She just wanted to talk about a past due payment they say I owe. In XX/XX/XXXX they added {$620.00} to my account from a repossession in XXXX. I retrieved the car. I have made a total of {$740.00} extra on my payments since XXXX, XXXX. I should not owe {$120.00} past due. I haven't missed a payment since XXXX. They have continually given me problems when I call and won't answer my questions. In XXXX the site listed {$190.00} past due. Today it was {$320.00}. It changes daily going up and down. I have asked if that is part of my balance or extra. They won't answer my direct question. I live on Social Security and need the information I asked for so I can make my final payment on XX/XX/XXXX. They take advantage of people who have financial problems and during the past two years, with COVID, they won't help me. I have paid 29 % interest for 65 months. XXXX is the end of my contract. 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 explanation
Consumer complaint received 2022-01-02
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
Good evening, My name is XXXX, and I was scammed on Paypal by XXXX XXXX ( XXXX ) & XXXX XXXX ( XXXX ). It was services that they didn't complete and didn't give me back a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: U.S. BANCORP
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/XXXX XX/XX/2023 cash advances against credit cards 3 devices 2 credit card and 1 cash reserve to bank account for a total of XXXX dollars. Contacted bank card fraud on XX/XX/2023 that I did not make these advances and they rejected my claim on XX/XX/2023. The credit card advances were XXXX and XXXX and the reserve trans action were charge of XXXX and XXXX plus additional fees and interest I closed the accounts and opened new accounts.

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 2021-02-17
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/XXXX I purchased a XXXX XXXXXXXX XXXX with a loan ( Loan # XXXX ) from Pentagon Federal Credit Union. As is the law in NY State, I added the vehicle to my insurance policy for my other vehicle. The limits on this policy are in excess of both the State and Lender requirements for minimum coverage. In XXXX I noticed a {$1700.00} charge added to my loan principle. This was called " Add CPI ''. This was not GAP insurance that was previously purchased from PenFed. 

When I contacted them, they seemed to understand that this may be a mistake on their part, and asked me to upload the insurance card, which I did in XXXX. This card showed that the policy was in place before the car was driven off the lot. 

Two months passed and no adjustments were made. In XXXX I stated that this needs to be fixed, I am not comfortable to keep paying for something with interest that doesn't exist, I did however make a double payment in XXXX to keep the account current. As I stated, I had insurance, and still do with another carrier. From PenFed, the " Insurance '' provided for {$1700.00} is non existent. I wasn't sent a policy, ID card or any notice that any of this was being done without my knowledge and consent. 

This week, for the hundredth time, they called me and hung up. I called back and was given the run around again about this, that it wasn't their department. So in addition to the charges for insurance, they have been acting in a predatory way. 

To further point out that I have insurance and never needed or was required to buy insurance from this lender, I struck a deer in the XXXX XXXXXXXX XXXX. I submitted the claim to my insurance company, and they promptly did an estimate and made payment.

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 2023-04-06
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:
To whom it may concern : The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's le be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false, and I will ght back with all my strength! Your report 's accuracy is crucial. The allegations you list don't meet federal or state requirements for reporting, so they can't be conrmed. I challenge this claim because it lacks compliance with basic reporting standards that would make me feel more condent in what's being said. You're required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, which is required by law ( FCRA ) and reporting standards like METRO 2. So please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you're not doing your job properly. If this issue isn't resolved immediately, there could be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) to hopefully get everything sorted out and correct itself with no need for intervention or escalation! I would also like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and veried information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the 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 2023-08-13
Company: ALLY FINANCIAL INC.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
On XX/XX/2023, I called Ally Bank to get a cashiers check. I needed this check on XX/XX/XXXX which is 10 business days after the call. They said it would take 7-10 business days to arrive. My husband got a cashiers check from Ally a few weeks prior and it arrived within a week ( 5 business days ) so we followed the same timeline. The check did not arrive as planned. When I called they said there was nothing they could do, it got delayed in getting sent out, not mailed until XX/XX/XXXX, wouldnt cancel the check, increased my debit card atm withdrawal to $ XXXX for 2 days but said I had $ XXXX limit for point of sale ( needed to get a money order since check didnt arrive on time ) On XX/XX/XXXX, went to get a money order at XXXX ( XXXX ) grocery store, transaction declined. Called Ally, verified my identity, they said it was flagged and there was no way they could approve it, said I had to try later or go to another institution. I asked to have my atm withdrawal increased since it was $ XXXX and I needed {$2100.00}. Declined by customer service. Said I should buy something at the grocery and get cash back. Did this, transaction declined. 

Got my $ XXXX money order with the cash I was able to withdraw and begged the institution I owed to give me another form of payment after explaining my situation and they worked with me. 

Cashiers check arrived within 11 business days

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 2023-08-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have called Equifax and asked them to explain why my mortgage company can not pull my Equifax report. They told me there is a fraud alert on my account because my name is fraudulent and I have not received any information via mail, email, notifying me of any activity. The second representative told me that my account has been listed as fraud but will not give me information about the alleged fraud nor will they tell me how to fix it. Im am so tired of getting the runaround about this. Prior agent never mention a fraud, he said that there was a lock in the account and after verifying the information he said it was removed. So I tried again today to log in online and still o am receiving the same issue. I have a right as a consumer to know what is being done and by whom and to simply tell me I will not have access to my own Equifax due to fraud yeah no, going all the way to the top on this one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: GA
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2022-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Capital One walked me through an application and assured me I was getting an intro rate card with better terms. They had the same card on the website and it was confusing which venture one card I was applying for. Called customer service when I applied, they ensured I would get promotional no apr and more XXXX mileage on venture one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Shermeta Law Group, PLLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received my paid in full notice for a XXXX XXXX XXXX credit card from XXXX XXXX XXXX XXXX XXXX. I had previously settled with them for the amount of {$4700.00}. The notice, which I have included in this complaint indicates that the matter is closed both with them and their client. Recently, in XXXX a debt collection agency for Shermeta Law group has been attempting to collect on the debt, despite the fact that it had been satisfied with the previous collector. I have contacted Shermeta, and they indicated that if I sent the relevant document they would review it and respond to my concerns, generally within XXXX hours. This was several weeks ago and they are no longer responding to me, despite the fact that the Paid in full notice I sent them features the very account number that they are currently trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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 USC 1681. I told Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate, but how can that be possible if the open date, date of last activity, and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 15 USC 1681 section 602 states that I have a right to privacy. 15 U.S.C. section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make a 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 USC 1681 s-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. Also they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Experian Information Solutions Inc.
State: OH
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:
Numerous inquiries if unknown sources Late payment on student loans Student loans Reporting of Bankruptcy

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 2023-07-04
Company: Experian Information Solutions 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:
I applied for credit increase with XXXX XXXX  and was denied a week later I applied for new credit with XXXX XXXX XXXX XXXX XXXX and was denied. 

I received letter from both And discovered that they both pulled from Experian. 

Experian list my credit score at XXXX. 

I asked Experian provide a valid reason why my Experian credit score is a significant lower than XXXX XXXX XXXX XXXX When all three companies have the same information displayed on the credit reports. 


As of XXXX XX/XX/2023 Experian not address the grave issue, which has greatly affected my prospects for 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
Consumer complaint received 2022-01-02
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The company forwarded my medical information to a collection agency without my consent violating my rights under HIPPA. They also submitted inaccurate information and when asking for validation, I dont get the proper documentation and it is being listed on my credit by providing hand created documentation. The collection agency that they are using is very aggressive. At the time of me being seen, I was qualified for assistance with my medical bill and submitted all necessary documentation and I was covered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15
Company: JPMORGAN CHASE & CO.
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, JPMCB AUTO FINANC and XXXX XXXX XXXX add a hard inquiries on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX account # XXXX has violated my rights. 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: GOLDMAN SACHS BANK USA
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Ive had several issues with fraudulent transactions tied to my Apple Card. Additionally, the vendors provided information to Goldman Sachs and/or Apple. Goldman Sachs has failed to conduct any sort of investigation. Furthermore, I have submitted XXXX reports and complaints to the Arizona Attorney General. Finally, my credit limit was recently reduced abruptly by XXXX third - without releasing the credits for payments made. I hade over {$5000.00} in credit tied to this card - after recent payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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: Personal information incorrect

Complaint:
Reaching out for assistance about an email and letter in the mail from XXXX about my information getting leaked from the breach that occurred. I pulled my credit reports and found there were multiple inaccurate addresses and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general 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 ( i ) 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 ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the addresses and or the information listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX I have attached a copy of my ID for identity verification and a bill for address verification.

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