BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-08
Company: Block, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX at XXXX I received a notification that someone gained access to my account and to reach out to support if it wasn't me. So I tried to log into my account via my phone number, was sent a code and it said " welcome back XXXX! '' And my name was always listed as XXXX so that is messed up. It asked how I would like to verify my identity before accessing the account and I selected each available option but it just pulled up this random person named XXXX information so the verification stuff was sent to that person, not me, the original owner of the account. I contacted support and explained all of this and they just kept saying the same thing over and over again. " You need to finish setting up your account, let us know when you've done it. '' I would say, I've tried all of that, what's the next step? '' And they just repeat it over and over again until they disconnect the chat because they, " can not help me and can not say anymore on the matter. '' I asked why and they said, " like we said, we can not help you with this matter but I'd be happy to help with anything else. '' Just over and over again, not explaining why or anything. I tried chat support four different times and got the same thing each time. So I went back online to try to select, " this isn't me '' during the sign in process when XXXX email pops up and then it just takes me to a screen that says, " for security reasons, you may not create a cash app account. '' No matter what I click, that error pops up. I feel like my information is unsafe and I have no control over this random person having access to my information and Cash app refuses to help me so I turned here because they already have an investigation going for not responding or helping during fraud situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14
Company: HYUNDAI CAPITAL AMERICA
State: IN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Hyundai Motor Finance. I had a 36-month lease that I paid on-time. I turned in the XXXX XXXX on XX/XX/XXXX and recv 'd a document from the dealership acknowledging the return - showing no additional amount due. 

In XX/XX/XXXX, I start to get marketing materials for another lease/loan. I don't want another XXXX, so I recycle the papers. More materials come, more recycling.

I received an alert from my credit monitoring service stating a late payment has impacted my credit score. I look today & it's this lease I have paid in full. There is a {$420.00} fee charged to my account. I did not get any calls, any texts, any emails - nothing to let me know I had this amount due. The fee was added after I returned the car. The dealership did not tell me ; I left the showroom assuming I was free and clear. Apparently, Hyundai bills a fee to those who don't lease another vehicle with them. Seems like a penalty on an outstanding customer. 

I looked on the website where I normally made my payment and NOTHING stated I was delinquent. I clicked around, saw my final payment, saw the lease paid out on XX/XX/XXXX - all looked satisfactory. I kept clicking ... clicking and then saw the fee. 

I called Hyundai today and spoke with XXXX (? ) who gladly took my debit card payment over the phone. I paid the {$420.00} today ( XX/XX/XXXX ). 

I asked about credit reporting. She said it would reflect as paid. I told her I did not know about this debt, already have another vehicle, and would like for this to NOT impact my credit since I have always been a great customer. She stated Hyundai had to report accurately and there was nothing she could do to correct it. She told me that I was 214 days past due! She told me I should have charged-off in XXXX! She didn't know why I wasn't charged-off so she put me on hold. When she came back, she said because they were closed in XXXX ( COVID-related ),  everything had been pushed back 60-days. A charge-off! If I still had the XXXX XXXX, you can bet Hyundai would have tried to repossess it and not just charged it off. However, I don't have the collateral anymore, but I still owe a fee.? 

I should not have been billed the fee. I feel it is a harassing tactic for additional business and revenue. Hyundai let it impact my credit and because I am no longer a customer of theirs, is unwilling to correct the credit bureau like I asked, although they now have their money ( {$420.00} ).

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 2021-02-19
Company: United PanAm Financial Corp.
State: MA
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:
I took out a loan from United Auto Credit in XX/XX/XXXX. From XX/XX/XXXX until XX/XX/XXXX with my final payment on XX/XX/XXXX ALL payment were made on time as reflected on my credit reports. In XXXX I traded in my vehicle to XXXX which they paid off the loan to United Auto Credit on XX/XX/XXXX in the amount of {$3200.00} paying off the loan. United Auto Credit continues to report a 30 day late payment in XX/XX/XXXX and refuses to remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: WELLS FARGO & COMPANY
State: GA
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:
XXXX : Unknown Inquiry XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX : Unknown Inquiry XXXX XXXX- XX/XX/2021 Wells Fargo Dealer S XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 trying to temporarily lift my credit freeze so I can apply for a loan. Every single time I have tried to log onto the website it does not work and gives me a number to call. I call the number and the employees are ignorant, incompetent and rude and barely speak English and never fix the issue but or lift the freeze by phone but keep resetting my password and telling me to do it online then when I reset it and try to go in it allows me onto the site but when I try to unfreeze it the word Unknown shows and gives me the same number to call that I just called!! I have wasted two days and talk to two reps who will not or can not do their jobs!! I work for the government and dont have time to waste with them. It is illegal for them to not unlock my freeze when I request it, they verified my identity but did not do so!! Please contact them AGAIN! I wish you would just shut them down they are a complete burden to all!!

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 2023-07-20
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:
This is my 17th 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 an alleged fraud or extortion. 
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 2020-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a checking account that I've had for quite a few years with Bank of America. 
They told me several years ago that if I had direct deposit there would never be a fee. I had never been charged a fee, regardless of balance, since I have continuously had direct deposit. Recently, for the first time, I was charged {$14.00} on XX/XX/20 and I was charged {$14.00} on XX/XX/20. 
When I called I was told that there is a fee for a balance that drops below {$1500.00} at any time during the month. I told the person that I had been told that direct deposit would waive any fee when I opened the account. They told me they knew nothing about that and that I had an account type called " regular checking '' which is no longer offered but is grandfathered in. 
I asked to have the terms and fees of the the account sent to me. They refused and said I could look online. However, there is no " terms of account for regular checking ''. 
In fact there is no listing of any account that charges a fee of exactly {$14.00}. I spoke to someone twice and both times was told I could not receive the fee schedule or terms of the account that I would see it on my account page. When I check the terms and fee schedule there is no listing of my account type there. 
I have never received a notice of change of terms for this account. 
When I go online to try to find the terms and fee schedule, there is a listing of checking account types but there is no " regular checking '' which mine is named online and by the bank employees I spoke to on the phone. 
I have been unable to get any satisfaction on this issue with the bank.

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 2023-07-08
Company: W&A Intermediate Co., LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice of a debt with the supposed original debt owed to a " XXXX XXXX XXXX, XXXX ''. 
I do not owe nor have I ever owed money to this company and the collector " Wakefield & Associates '' keeps trying to collect, without any proof of an account being owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXXXXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$460.00} ), XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX Balance : {$1100.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$560.00}, original creditor XXXX XXXXXXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00}, original creditor XXXX XXXX XXXX ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$630.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$820.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$620.00}, XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$330.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$430.00} ), XXXX  XXXX ( Date Opened XX/XX/XXXX, Balance : {$1100.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-01-23
Company: EQUIFAX, INC.
State: NY
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:
The list of account below have violated my Federal Protected Consumer Rights, to privacy and confidentiality under. 15 USC 1681. Which is under the Fair Credit Reporting Act. 

( XXXX  ) ACCOUNT # : XXXX. / ( XXXX XXXX XXXX XXXX XXXX ) ACCOUNT # : XXXX. / ( XXXX XXXX ) ACCOUNT # : XXXX / ( XXXX XXXX XXXX XXXX  ) ACCOUNT # : XXXX. Has violated my rights. 

U.S. Code 1681 Section 602- ( a ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy U.S. Code 1681 Section 604- ( a ) ( 2 ) it also states a consumer reporting agency can not furnish account with out my written instruction U.S. Code 1681 Section 605- ( b ) ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18 U.S. Code 1681c - ( a ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S. Code 1681s -2 ( 1 ) ( 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was trying to use an ATM machine at Chase Bank and a man stole my debit card out of my hands and ran away. Before I could cancel my card, my account showed that the person withdrew {$1000.00} from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
An account was fraudulently opened in my name at Bank of America on XX/XX/XXXX at XXXX. 

Immediately I attempted to contact BofA but they did not accept calls very odd. I had no information on this account as I did not open it. I tried several times until XXXX local central time. 

I decided to go to a bank branch. The branch told me to call the phone number. 

They also could not reach the main office or the fraud line. At XXXX I had a conversation with Bank of America in which they told me they closed the account They didnt. I called back XX/XX/XXXX. Talked to someone new, sir your account is still active. I feel extended uncomfortable sharing any information over the phone with B of A. Finally, they say my account is closed but will not provide written proof. This is one of two reasons i am writing the cfpb. 

Second, Im a XXXX XXXX  by trade. I can not believe or begin to describe the number of failures Bank of America had in my interactions with them and how the person who stole my identity could have easily out smarted me due to their terrible policy. 

First, all telephone verification for my identity using the exact same information as the fraudster is unfathomable dumb. How do they know Im the real person? They refuse to do anything in person.

Second, when I went to the branch they showed me the interactions the fraudulent actor had with Bank of America. It was a colossal failure. Their verification of my email address did not work but they still opened the account and allowed them to switch emails dont believe me? I have a picture. Im not sure whats worse, that i could take a picture or that two factor authentication is worthless at bank of america.

Finally, the branch manager admitted thousands of people had come in with the same complaint. He thought it was no big deal because no money was taken

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 2019-09-03
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX , TX XXXX   ( XXXX ) XXXX  Last Payment Made : : XX/XX/2016 High Balance : {$260.00} Pay Status : >Account Paid in Full ; was a Collection< Date Closed : XX/XX/2016 Date Paid : XX/XX/2016 XXXX  has been reporting a collection on my credit report since XX/XX/2016. Have always been current with XXXX  still am. I called and written to XXXX on several occasions only for them to state that they can not find this account in their system, thus can not issue a deletion letter or remove it from the report. XXXX keeps telling me to dispute with the bureaus but bureaus coming back stating " it was been verified and will report for up to 7 years '' ... who is lying and who is violation F.C.R.A. here ....

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 2023-07-20
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  ( XXXX Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$110.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : 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 non-monetary relief
Consumer complaint received 2023-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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 ve been victim of identity theft and I have tried to alert the companies of my issue as well as the bureaus of credit and no one is giving me an answer I have submitted letters to the bureaus stating that I dont recognize this inquiries but they are still in my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: EQUIFAX, INC.
State: WI
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation