BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-13
Company: Global Lending Services LLC
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I the consumer and natural person was denied line of credit by Global Lending when I submitted a consumer credit application to obtain a vehicle which is a violation of cfr 1002. Adverse action against a consumer is against the law according to the Equal Credit Opportunity Act which is codified 15 u.s.c 1691c and is pursuant to civil liability under 15 u.s.c 1692k. I have proof that I was discriminated against due to your letter that was sent 1/3/23 which makes you criminally liable for violating 15 u.s.c 1691. Furthermore, my social security card ( credit card ) was used, and I received NO BENEFIT which is proof of fraudulent activity on behalf of Global Lending. If Global Lending fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make Global Lending criminally and civilly liable for all actual damages pursuant to 15 u.s.c 1681n and 15 u.s.c 1681o. Without Prejudice All Natural Inalienable Rights Reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: NAVY FEDERAL CREDIT UNION
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act Navy Federal Credit Union account # XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purporse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have reached out to this company no less than three times. They have failed to provide proper validation, and continue to report the account in error. Account number is reported with symbols. Account status is not in compliance. It has not been 12 months since the original date of service. This is considered a HIPAA violation, as I gave neither party permission to share my medical records. Surprise billing act has also been violated.

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 2018-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
It has recently come to my attention that some CC companies, most notably Bank of America and XXXX, are tracking legal firearms related purchases by their customers with the intent of denying the use of credit cards issued by them ( banks ) for such purchases. As an avid hunter, shooter and responsible citizen of the USA I find this Appalling. I am one of the tax paying citizens that bailed them out of their financial irresponsibilitys not that long ago. I believe this type of discrimination is illegal and is a direct violation of the US constitution. I will be asking the US Attorneys office to look into the matter. Also, I have credit cards issued by both of these banks and will be cancelling them immediately. Thank You 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 2023-08-16
Company: Experian Information Solutions Inc.
State: SC
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be deleted as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/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 2023-02-13
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid 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:
Company advised me that they closed my accounts due to a XXXX XXXX bankruptcy, however, I have never filed for bankruptcy. There isn't a record of bankruptcy that is associated with my name or social security.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13
Company: OPORTUN FINANCIAL CORPORATION
State: NY
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:
This card was opened up fraudulent my XXXX XXXX XXXX XXXX XXXX XXXX  open up a lot of accounts in my name and this is one and whats so crazy is that this company gave a card to someone without proper identification, how can a company have a card to someone with using someone else information and whats so crazy is that I have told this company that it was open fraudulent and the party that did this has passed away now, how is it that a card company would even allow this without talking to anyone over the phone all a person needs is someone information and they issue a card and months down the line they tell you, you owe something this company needs to be held at a higher standard

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 I contacted Transunion to explain to them that there were fraudulent hard inquiries on my credit report. The person in the fraud department refused to even open a dispute and look into these items. During the phone call he repeated several times that the inquiries are a statement of fact and that Transunion would not send any information or documentation showing that I authorized these inquiries.

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 2020-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, wihtin my Transunion report . This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavi

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 2018-04-30
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
me and my husband moved out of apartments in XX/XX/XXXX 2016 the landlord was retaliating against us they alleged non-payment but they refused the payment out of spite because my husband complaint to the housing commission, the landlord ended lying to the court and obtaining an agreement with us to pay them monthly and we paid them monthly the sum of {$350.00} every month now sunbow partners has sued us in court alleging that we still owe {$800.00} and has not notified us at all, we never got served nor did we ever receive a bill or explanation that we still owe them, XXXX XXXX with kimball tirey and st.john 's help obtain a false judgment they duped and lied to the court they never notified us of the suit. they have violated our FDCPA rights which are federally regulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am victim of identity theft and someone used my personal information to obtain goods and services in my name without my consent. I did not benefit from any goods or services of these fraudulent accounts opened in my name. I am requesting for Equifax, under FCRA 605B, to block and remove these fraudulent account immediately or legal actions will be taken against your company. I have attached a copy of my police report filed with XXXX Police Department and FTC Report to this correspondence. 

I am requesting for the following accounts to be blocked and removed immediately due to identity theft : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I provided an invoice to a consulting client, XXXX, from my company, XXXX XXXX, XXXX. for XXXX consulting services. The total amount was {$5000.00}. The invoice was paid on XX/XX/2023. 

My account with XXXX XXXX XXXX was then closed, the money was locked, and all support workflows are closed to customers with closed accounts. I submitted documentation - including XXXX formation docs, invoice, contract between XXXX and myself, and email confirmation of the payment from the customer 's team. The account was then closed immediately and all money locked, with no additional appeals possible. 

I have tried to refund the payment to XXXX, which can't be done, and I am unable to transfer to cash out either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio recovery and associates currently reports misleading, Unverifiable, inaccurate information on the 3 major credit reporting agencies without full validation of debt. This is a violation of the fair debt collection practices act section 809b.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have attempted to correct the first date of delinquency with all of the credit reporting agencies, including XXXX XXXX and have provided the corroborating documentation as evidence. 
I spoke with XXXX XXXX and requested the first date of delinquency and payment history because the credit reporting agencies are reporting that the first date of delinquency is reporting correctly. 
I spoke with an Equifax representative and had him review the date of first delinquency as reported on the current report and he observed the date reported in the payment history but also observed a different date in the section that would have it removed in the 7 year history for removal. The representative informed me that it appears that the system is picking up the latest date of first delinquency not the actual date of first delinquency. 
I am providing a copy of my Equifax credit report dated XX/XX/XXXX showing the date of first delinquency for the XXXX XXXX Home Mortgage Acct : XXXX as XX/XX/XXXX and the XXXX-month payment history which shows XX/XX/XXXX as 30 days late. 
I am providing a copy of my Equifax credit report dated XX/XX/XXXX showing the date of first delinquency for the XXXX XXXX Home Equity Acct : XXXX as XX/XX/XXXX and the XXXX payment history which shows XX/XX/XXXX as 30 days late. 
Since I have filed my complaint with XXXX XXXX, the representative and the company provided me with the Discharge of Mortgage ( see copy ) on XX/XX/XXXX which was submitted on XX/XX/XXXX. 
I believe that the computer programs that Equifax, XXXX and XXXX utilize is only picking up the date of the latest first delinquency not the actual date of first delinquency. As you can see, I attempted to save this property and made payments which is why all of these dates start over. 

I have spoken with representatives from Equifax, XXXX and XXXX in an attempt to have this problem corrected and properly reported so that these negative accounts will be removed in accordance with the 7 year timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am XXXX XXXX and Im submitting this complaint myself and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer and natural person, checked my email today on XX/XX/XXXX at XXXX XXXX  central standard time and discovered that TRANSUNION at XXXX XXXX XXXX in XXXX, PA placed a fraud alert on my credit report without my consent.

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 2021-01-20
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied to refinance our loan back in XXXX to refinance our home loan. After 30 plus days of no response I filed a complaint with CFBP. I heard back from Freedom right away. It has been 60 days now with no contact. I have left a number of messages and sent numerous emails each week requesting updates. I have contact XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I emailed on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. In between all of those emails requesting updates I have left messages. I am at a loss as what the issue is with the loan. We have credit scores over XXXX, we have enough income and the appraised value leaves us with a LTV under 80 %. 

I would greatly appreciate it if someone at Freedom would contact me and let me know what the issue is with the refinance and more importantly respond to any of the emails/calls. I would never treat a customer in such an unprofessional manner as to how this company has treated us. If they had not already pulled our credit I would have gone with another lender. I don't believe in rate/lender shopping with multiple hard pulls on 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 2023-01-20
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Savings 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 notice around XXXX that my joint checking account at Regions Bank was overdrawn from an automated bill payment. So I transferred XXXX to cover the negative balance, something I have done several times before at this bank ( we will come back to this ) and others. The next day I see on my app the transfer is pending something that I didn't understand. Another bank XXXX transfer several XXXX dollars around XXXX, the same day I notice the XXXX in Regions pending, and it was in the account ready to go. Something very important to mention I call this morning and was able to get them to return my money after intense conversation. One of her excused was I needed to do it before XXXX but I explained to her I done while still at work around XXXX, then it was a new excuse. 
So I making this complaint because this is not the first time Regions done this to me before, and I know they was in court for charging overdraft charges not long ago. Hopefully not but they MIGHT STILL be up to old habits. With that said I expected some refunds from Regions because they have done this to me in the past, but never received anything. 

Thanks, for hearing me out

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 2023-02-13
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: 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. 
Account name : XXXX XXXX ( XXXX XXXX ) account # XXXX, XXXX XXXX ( XXXX XXXX ) account # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX acct XXXX XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX acct XXXX XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, and XXXX XXXX XXXX # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
Company: Chime Financial Inc
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022 my chime banking account was hacked and still they do nothing about it while i was asleep someone changed my email address my pin and added there own go 2 bank account and this has been a nightmare my grandkids didn't have a XXXX do to this it was only XXXX and it may not seem like much but to us it was everything. We had no holiday and still to this day they have done nothing and they say they cant identity me i have done everything chime has asked of me and still nothing why cant you sue chime??

Company response to consumer: Closed with explanation