BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
# XXXX closed # XXXX closed by myself Here are the tracking # 's from both " XXXX to Bank of America '' and `` from Bank of America to my XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX 

Since XXXX XXXX XXXX there has been a discrepancy between the amount I receive and the amount my husband receives on our XXXX, yet we are both supposed to get the same amount from XXXX. Both our XXXX XXXX show the amount is the same for both of us, therefore, the problem lies with the Bank of America and needs to be corrected. 

As you can see from my documentation, this has been happening from the beginning of XX/XX/2022 up to current day. Our checks are deposited on the same day. The column showing XXXX is what I receive and the column showing XXXX is what my husband receives and the final column is the difference between our deposits. These numbers should be the same!

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 2017-07-18
Company: OpenRoad Lending
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I am financing a car with XXXX XXXX. In the title of my car is my cousin too who absolutly does not mind in provide a Gift Letter to allow another lender finance my car and leave me alone.
Last week I had my credit around XXXX. XXXX showed me 3 options to refinance my car. Then I have chosen OpenRoad. I followed the link and I submited what they requested me. Then I got a phone number sugesting me to speak with a representant.
I spoke with the representant and they told me they can not do nothing if my cousing is in the title and I have to remove him from the title first. Offcourse I do not know nothing about it and I asked them if they had any idea how to do so. They do not know as she said.
Ok. I came home and I decided to go on sunday to XXXX, where I discovered that they run my credit on saturday. Offcourse my credit droped down and I could buy the XXXX eider.
On monday I received a letter from OpenRoad. Please find it attached. They said I am approved and I should call them again. then the same problem came. I spoke with every possible manager in that company and I sent them several emails. They do not care.
As I know they run my credit asking to 4 banks.
If you need anything from me please let me know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have been disputing a charge with Capital One Credit Card since XX/XX/XXXX. I purchased multiple tickets through XXXX XXXX using my Capital One credit card. However, during the purchase transaction, Capital One initially denied the payment due to security concerns. After resolving the security concern, I was able to purchase the tickets. Unfortunately, duplicate tickets were purchased and Capital One did not stop the payment when I purchased the tickets on the phone with them. I was told to call the Airline company so it could be resolved. I immediately contacted XXXX XXXX and was told I would lose my money and not be given any credit. I received notifications of a duplicate ticket from XXXX XXXX but again was not able to obtain a refund. Capital One attempted to get me a refund but was not successful. After 6 months of disputing the transaction with Capital One, I was told by a representative that I would indeed be refunded the amount of XXXX. I called Capital One again XX/XX/XXXX to inquire about my refund and was told by a representative that I would receive the refund but would transfer me to a supervisor to have it processed. I was transferred to the supervisor who then told me that I would not be receiving any refund and that the other Capital One representatives did not explain to him that I would receive a refund. In the end, Capital One was not able to obtain any funds from XXXX XXXX and lied to me on multiple occasions about getting my money back. Capital One asked for a credit voucher from XXXX XXXX in order to refund me any money. How do you get a refund voucher from the company you are disputing the transaction with?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-18
Company: CIG FINANCIAL LLC
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 status incorrect

Complaint:
We voluntarily gave back a car we were financing back in 2015. Once we gave the car back we contacted about the amount owed on the car. My husband and I paid {$3500.00} to satisfy the amount with Cig Financial and the agreement we signed says it will be updated on the credit report as satisfied paid and   XXXX   balance. ( letter agreement attached ) We were not told it will be a charge off. It should never been reported as a charge off when we voluntary gave the car back and the company sold the car for a high amount. Since  XXXX -2015 we have been going back and forth about how it is reporting on our credit. It shows as a charged off account in the amount of {$14000.00} and a balance of {$14000.00}. I attached emails where the lady from Cig   XXXX   XXXX   said she already reported it to the credit company as " paid with {$0.00} balance ''. For 2 1/2 years now this account on our reports have caused us to be denied auto loans, home loans, and credit cards. We thought we were doing the right thing by settling and working with   XXXX   and Cig Financial. I feel it was against the law the way it has been reporting on our reports for the last 2 1/2 years and since they sold the car for over {$10000.00} and collected {$3500.00} from us they actually doubled up on amounts and possibly reported the charge off on taxes as {$14000.00} when really they got money for the car from the sale and us. I also called a gentleman a month ago and he told me this will remain how it is on the credit and they will not change it ... Even though I have the proof from   XXXX   that she will report it as paid satisfied with a   XXXX   balance ... I never knew how I could solve this issue so I hope going through CFPB we can get resolution on this case. I attached some documents as proof from   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: CREDIT ACCEPTANCE CORPORATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX the primary on the car loan reached out to Credit acceptance to have a payment plan set up due to a financial hardship. They agreed to the payment plan, and we asked if it would affect the credit which we were told no it would not. I as the co-signer have been monitoring my credit report since XXXX when I got a notification the account went to delinquency. I filed a report with them that this was incorrect not only were we told that it would not affect my credit but also the amount owed. When myself as the cosigner saw the delinquency, I went ahead and paid it fully the total amount was XXXX and some change on the credit report they reported it as XXXX. Which is fully incorrect information. When i filed with Credit Acceptance they claim it is fully correct to report the false information along with a delinquency

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 2023-01-03
Company: Experian Information Solutions Inc.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-14
Company: Chime Financial Inc
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2023 my chime account was hacked my email and phone number was changed on my account my savings was emptied my money was transferred to my checking and sent to XXXX different cash app accounts by the name of XXXX and XXXX XXXX in the amount of XXXX I have filed two disputes with chime both of which has been denied I have sent a police report along with screen shots of email and phone number that was used that did not belong to me I have been calling chime non stop trying to get my money back I filed to have the dispute reopened for the third time no one is helping me get my money back I went as far as filing a XXXX  complaint and also reaching out to a lawyer today I just want my money back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have constantly dispute with this company. This company has failed to respond to my affidavit that I sent them, and they are boldly violating my federally protected consumer rights. They have been consistently reporting inaccurate account information on my consumer report for both XXXX and XXXX. When I hold them accountable, they refuse to comply. This company is willfully negligent. They consistently blame the consumer reporting agencies and state that XXXX and XXXX are responsible for the inaccurate credit reporting when the debt collector is in fact the new data furnisher who bought the alleged debt and is putting it on my credit profile. This company is more concerned with money so much that they are stepping on my federally protected rights while attempting to collect it. I have filed multiple complaints against this company to no avail. This company is also reporting a closed account as open on my report. I have disputed against this company multiple times with viable proof. I'm requesting the deletion of this account for violation of the FCRA under 15 USC 1681 s-2 Responsibilities of furnishers of information to consumer reporting agencies- ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Transunion has violated my federally protected right as a consumer. I need to be compensated for this error immediately. Several federally protected consumers laws have been violated and we can start with, permissible purposes for which consumer reports are most commonly sought are those identified in FCRA section 604 ( a ) ( 3 ). This is also defamation of character as my consumer report has reflected fraudulent items recently. The need to send me compensation in the form of a check {$5000.00} immediately. They unlawfully recorded my voice without consent and exposed my personal information in a data breach. They have only offered Identity restoration services which in NOT enough. They are putting the lives of consumers at risk with all my personal information now being accessible.

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 2023-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I hope this message finds you well. I am writing to address a matter related to a financial hardship I experienced recently. Upon reviewing my credit report, I noticed that you have charged off items ; however, I have not received a 1099 for this particular transaction. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Child support In light of this, I kindly request that you provide me with a 1099 for the charged-off item at your earliest convenience. Having accurate and complete financial documentation is crucial for my records, especially considering the challenges I've faced. 

Your prompt attention to this matter is greatly appreciated. I am eager to resolve this issue and ensure that all necessary documentation is in order. 

Thank you for your understanding and assistance.

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 2023-11-17
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive 5-10 phone calls daily from Credit Acceptance . It is no person, just an automated message. I have never done business with this company, nor has anyone in my household. I can not decipher whether they want to collect a debt that doesn't exist, or advertise their financing options.

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 2023-08-14
Company: Early Warning Services, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I sent via Zelle {$750.00} to fraud cat breeder website. 
This is their website https : XXXX They charged me and promise they will send me the cat I paid for. I lost communication with them. I asked for my full refund and never heard back from this person

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions 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:
I received a copy of my credit report, and found that your are reporting false information on my credit report. This is causing me extreme distress, and I am doing everything I can to build my credit profile responsibly. seeing that I am looking to purchase a new vehicle thru finance, and this could cause problems doing so. The law says thay everything on my credit report must be accurate! 

I do not recognize these addresses 1. XXXX XXXX XXXX XXXX XXXX, IL XXXX Please Delete This Address From My Report I do not recognize these accounts 1. XXXX XXXX XXXX Please Delete This Account From My Report 2. XXXX XXXX XXXXXXXX Please Delete This Account From My Report 3. XXXX XXXX Please Delete This Account From My Report 4. XXXX XXXX XXXX XXXX Please Delete This Account From My Report 5. XXXX XXXX XXXX XXXX Please Delete This Account From My Report I am also requesting the description of the procedure used to determine the accuracy, and completeness of the information. I have read that this must be provided within 15 days of completion of your investigation. I also read that under federal law, you have 30 days to complete your investigation. 

By the provisions of the consumer protection laws, I demand that these items be investigated, and removed from my credit report. It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of receipt of this letter, or you must remove the incorrect information. 

I have attached 2 different FTC identify theft reports as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-18
Company: I.C. System, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently found out I am a victim of Identity Theft. There have been several medical accounts opened in my name that were fraudulent. Medical Fraud. Along with some credit cards such as   XXXX   XXXX  ,  XXXX ,   XXXX   XXXX  . I have also filed an FTC Id Theft report. I have not received any medical services in question. You have 4 bus days to stop reporting and delete the accounts once you have received my documents. FCRA law, once the furnisher receives all my fraud documentation the accounts must be deleted from my reports within 4 business days. ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information

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 2017-07-18
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is on my credit report and this is fraud. They have a   XXXX   XXXX   who owned these accounts living in Florida. I have never lived in Florida, nor have I have been affiliated with these companies.
They need to remove themselves from my credit report and leave me alone.
I live in Ohio. The   XXXX   XXXX   they are looking for lives in Florida. Please contact this company and have them stop harrassing me and sending me documentation. I 'm assuming after attempts to locate this person, they found the same name in Ohio and have sent this to my address. Attached. However, as you can see the person they are looking for is from Florida ( Consumer name and address ). This needs to stop and they need to remove themselves from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TransferWise Ltd
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My wise account has been deactivated by wise which has now put me in a situation where I am unable to withdraw the funds from my account I have filed an appeal in which I was given the estimated time frame of XXXX Working Days or longer for the review to be completed. 

A team member of wise in an official letter to me told me that it may take 5-20 days but it's more than the days she gave me already. 

I have asked Wise to refund the balance left on my account as it was needed to pay my Landlord for rent and because the funds have not been returned me I have been rendered homeless. 

To consider this matter solved, I would like Wise to uphold my complaint and Process my refund immediately, and give a formal apology for the distress caused due to this situation. 

I am not requesting wise to reactivate my account so there is no need for taking long to review. I am only asking Wise to give me back the money that was on my account prior to account deactivation. 

In Wise website it says, " if you still have money in your Wise Balances when we close your account, well work on sending it back to your bank account ''. 

I need wise to uphold this complaint and send what belongs to me to my bank account now. 

My email on wise is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation