BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-04
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Late payments on my credit report. Is causing my score to drop dramatically. Need them removed ASAP I have had some financial troubles recently, and I have gotten behind on a 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 2022-12-29
Company: Global Lending Services LLC
State: MA
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:
On XX/XX/2021 Global Lending Services has accessed my credit report from XXXX and XXXX. I have never contacted or seek to get any kind of financial product from the company nor have I heard of them before. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit hence a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Unifin Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/2023, a business I was not aware of retrieved {$120.00} off a a prepaid card that is used to transfer money to and from my bank account. I then called the company I have a card with they informed me they couldnt do anything until the action was in pending status for 24 hours until it was completed, and could resolve in a dispute. I then went on the internet to look up the business to retrieve information I called and reached out to see what is this or what matters it regards to. I am unaware of who this company is and I did not authorize any purchase with I asked if I could receive a refund they said no, I retrieved a email XX/XX/2023 asking me to sign for the purchase but the purchase was completed XX/XX/2023. The prepaid card has now open an dispute as of XX/XX/2023 and its still ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had two fraud transactions on my Bank of America credit card on XX/XX/XXXX, with the amount of XXXX in total ( one is XXXX, and another one is XXXX ). 

I called BOA the first time I found the fraud transactions, and they refund me quickly However, on XX/XX/XXXX, BOA put those two transactions on me again with the name of XX/XX/XXXX XXXX XXXX. Though I dispute them again on XX/XX/XXXX, they made a final decision on XX/XX/XXXX and recharged me with the name of XXXX XXXX 

I called for several times to find out what happened, and a specialist told me that after investigation, these two transactions were to purchase health care products and the products were sent to my address. I asked for details about the address, and the specialist said it was my apartment address but different apartment number. They couldn't dispute these two transactions because the person living in that unit may be my relatives or friends. BOA insisted that it was my job to prove that that person had no relationship with me, and that specialist asked me to get the police report. I thought that was ridiculous but I still did what he insisted me to do. 

I got the police report, mailed it to BOA as they requested, and called to make sure they received it. They said they reopened the investigation for me and I could see the claim in my message center. This conversation happened on the early XXXX or the late XXXX, I couldn't remember clearly. Now, almost three months passed, I don't see any existing claim in my message center, nor get my money back. I think they lie to me and wait me to forget it.

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 2021-10-04
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Date XX/XX/2023 Amount {$710.00} Collection Agency ( XXXX  ) for ( XXXX  XXXX ) I paid this debt in full. I never got a reciept from the company, stating I paid in full, I had to call and ask for paid in full document. I consistenly asked XXXX  XXXX and XXXX to remove it off my credit report and its a cat and mouse were collection agency is saying XXXX XXXX has to do it and visversa. I'm getting nowhere please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit 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 purchased a laptop from best buy, XX/XX/XXXX, I then returned it on XX/XX/XXXX, I was told ins store that the person could refund the computer, but not the antivirus software that went with it ( free with computer ). I called XX/XX/XXXX to have virus software canceled, and asked if I would owe anything, I was told no since I didn't use software I wasn't going to be charged. On XX/XX/XXXX I checked to see if my bill had shown charges reversed for refund, they hadn't I called Best Buy and was instructed this was normal and it would reflect in a few billing cycles, the computer charges did. But what remained was a XXXX charge for antivirus software I never received or used, I proceeded to follow merchants instructions thinking this would be the same. I then was notified through credit reporting 2 months later, that my limit had decreased from XXXX to XXXX... I think immediately began repealing the process and found out I was never credited, until XX/XX/XXXX after a second phone call.. all which I can provide reference numbers for if need be. So basically my credit has been tarnished, lender is refusing to reinstate my credit, they are closing the dispute as the merchant refunded the money.. and now I'm told there's no guarantee.. into fixing the error since it wasn't a bank error.. I just want my credit fixed and my account back to normal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 REAPEAT THAT THIS IS NOT A REQUEST FOR VILADATION AND THIS IS NOT THE SAME ISSUES RAISED IN PREVIOUS COMPLAINT. 1 ) Article 9 of the UCC under SECURED TRANSACTIONS does not cover assignments or rights of transfers for the sole purpose of collections. 2 ) There is no CONTRACTUAL OBLIGATION between I the consumer and US DEPT OF EDU Account # XXXX. 3 ) I as a consumer have the RIGHT TO PRIVACY pursuant to Title 15 USC 1681 ( a ) ( 4 ) - ACCURACY AND FAIRNESS OF CREDIT REPORTING, and the US DEPT OF EDU Account # XXXX, XXXX, XXXX and TRANSUNION VIOLATED MY PRIVACY. ALSO, US DEPT OF EDU Account # XXXX, VIOLATED 15 USC 1692c ( a ) -COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the EXPRESS PERMISSION OF A COURT OF COMPETENT JURISDICTION, a debt collector XXXX not communicate with a consumer in connection with the collection of ANY DEBT, I as the consumer never gave PRIOR CONSENT to US DEPT OF EDU Account # XXXX ( BOTH ACCOUNTS ) TO COMMUNICATE WITH I THE CONSUMER NOR FURNISH ANY OF THESE FRAUDULENT ACCOUNTS ( XXXX - XXXX ) TO MY CONSUMER REPORT. I'm enforcing my rights and demanding US DEPT OF EDUCATION ACCOUNT # XXXX CEASE COMMUNICATION pursuant to title 15 USC 1692c ( c ). I demand BOTH accounts XXXX be deleted Immediately from all 3 consumer reporting agencies or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1681n and title 15 USC 1681o ) regarding the continued willful and negligent noncompliance.

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 2022-11-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ON XX/XX/2022 I DISPUTED THE FOLLOWING ACCOUNTS WITH ALL THREE BREAUS STATING THESE ACCOUNTS IS NOT KNOWN TO ME/ INACCURATE. THE DATES DONT ADD UP AND AMOUNTS OF THE DEBT. AS WELL AS ITEMIZED BILL THAT DOESNT MAKE ANY SENSE TO ME, DUPLICATE ACCOUNTS. I HAVE MADE SEVERAL ATTEMPTS TO RESOLVE ISSUE WITH COLLECTION AGENCY STARTING XX/XX/2022 THEY ARE NOT RESPONDING EXECPT WITH AN ATTEMPT TO COLLECT DEBT THAT IS NOT VERIFIED ACCURATLY. 
* XXXX XXXX XXXX {$650.00} *XXXX  {$140.00} *ARS {$140.00} *XXXX {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Synchrony and Amazon clearly have no control over their online system. I understand the emails about their credit repair were a wide spread issue and apparently just a mistake ... But to say we aren't to worry about any data breach is ridiculous. I've had nothing to do with Synchrony for a long time and the fact that they still float my information around with no concern for security is disturbing. If a company profits on citizens info they should be required to protect it and none of them are held accountable. Small fines in the past have not deterred corrupt companies from failing to leak, like a sieve, everything they know about people.

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 2023-06-15
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I was notified of fraudulent transactions on my business checking account with Navy Federal from the XXXX XXXX. Checking the statements, i noticed transactions from as far back as XXXX. After speaking with my business partners and making sure neither one of them made or authorized the transactions, I called Navy federal and filed a claim. I also went online and searched XXXX contact information and reached out via email and told the rep of the unauthorized transaction. She told me she could see that transactions was not authorized by anybody with my email or name but since it was fraudulent charges that my bank had to go thru my bank to file the dispute which I told her, I just had done. About a week goes by, I tried to login into my business account and it was restricted. I immediately call navy Federal and one of their security reps basically treats me like a criminal and questions the claims that I had filed and did I have somebody else influence me to file the claims. Then she tells me the account is going to be permanently restricted and they would let me know the updates of the claims. I received an email about 2 weeks later that the claims have been denied. Navy federal failed to ever contact XXXX and dispute the claims and denied them off 0 basis. I told them that I can get a police report if needed. Ive attached the email communication between me and XXXX and a photo of all the unauthorized transactions.

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 2023-05-05
Company: Experian Information Solutions Inc.
State: IN
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:
As a victom of identity theft I wouldnt wish this on anyone. This has cause me much frustration and stress which has taken a major toll on my personal life. I've spent countless hours trying to work with credit card company and bank to coear any issue but still this has left a negative dent to my personal credit. I even sought after a credit counselor and Identity theft agency which is very expensive. I now understand the importance of maintaining a close watch to my crefit reports. I would love to get on with my life free of negative marks on my credit reports. To have this matter clear once and for all with greatly be appreciated. These inaccuracies happened during the year of 2020 and amounts totaling more than {$8000.00}

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 non-monetary relief
Consumer complaint received 2023-02-08
Company: DISCOVER BANK
State: TX
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:
Discover Card Fraud Charge on account : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Discover made a - {$2500.00} Credit on account XX/XX/XXXX Dicsover made a reversal of credit + {$2500.00} on account XX/XX/XXXX Discover made a - {$2500.00} adjustment on account XX/XX/XXXX Discover made a transfer balance of + {$2500.00} on account XX/XX/XXXX Discover made a - {$2500.00} credit on account XX/XX/XXXX Discover made a + {$2500.00} balance transfer on account XX/XX/XXXX Discover made a + {$2500.00} transfer balance on account Discover owes a - {$5000.00} credit on this account, I've spoken to several people to try and resolve this fraud charge but they are not helping. I keep gettend transfered & no one can help with the charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-02
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: HYUNDAI CAPITAL AMERICA
State: WI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I leased a Hyundai XXXX and turned it in early because I had a new baby and the vehicle has very limited cargo space. I turned it into a local dealer for a larger vehicle in early XX/XX/2021. Hyundai Motor Finance serviced this lease and I was enrolled in XXXX. On XX/XX/2021, Hyundai Motor Finance took a lease payment out of my account for {$390.00}, although I had already turned in my former car nearly XXXX weeks prior. I called them and they indicated they hadn't received the buy out information from the dealer, but I would get a refund within a month or so. I never received this, so called them back. This began a huge runaround with them for the last 4 months in which there is never any movement on my refund. They indicate that nobody from payments can call or email me and can not give me any timeline for my refund. I have to continuously call them for any updates, but nothing ever changes. They acknowledge they owe me the money, but I am left waiting for months. I really do not know what to do, there is no accountability and nobody will contact me with any updates.

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 2022-11-11
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone Phone number not available Date Opened XX/XX/XXXX Date Updated XX/XX/XXXX Credit Limit {$400.00} Pay Status Paid, Closed ; 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: EQUIFAX, INC.
State: DC
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 sent in a letter XX/XX/2021 about incorrect information reporting to my credit report. It was a list of personal information and accounts that does not belong to me.I asked them to investigate and remove this information. Its been over 30 days and they have not got back to me, they still have no update. This is completely absurd that they can treat people this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: AMERISAVE MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
As of XX/XX/XXXX, the issues with loss mitigation are still ongoing. I have been requesting a hardship mitigation ( pause on payments / forbearance ) since XXXX of this year. The fire / total loss on my property happened on XX/XX/XXXX this year. 
The loss mitigation department is mishandling my documents and requesting redundant documents again and again. There has been so much paperwork piling up from my document submissions that no one knows where to start when I call to check on my file. 
" Consecutive bank statements '' for XXXX account XXXX were requested on XX/XX/XXXX when more they had previously been submitted. I resubmitted them. Now three previous consecutive bank statements for XXXX XXXX account XXXX are being requested ( at least six months have already been submitted ). Amerisave is also requesting a lease renewal on a rental property that does not exist ( XXXX XXXX XXXX ). I have explained several times with these leases that they automatically renew - this is at least the third time I have been asked for a lease renewal on a property that does not exist / auto-renews. I am now being asked to resubmit the original application itself for at least the third time ( some arbitrary correction on page XXXX and XXXX this time ). This document was completed several months ago and multiple corrections on this same document have been asked for already. Amerisave arbitrarily states that " incomplete documents '' have been submitted by me as their reasoning for the constant delays and inaction ( see previous complaint ) when the loss mitigation department is in fact constantly mishandling and misreading the documents that I send in. I have asked repeatedly to speak with XXXX XXXX, the apparent supervisor working on this and I have never received a call back.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XX/XX/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 non-monetary relief