BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-31
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/XXXX bank account was closed never received a letter as to why advised 30-60 days XX/XX/XXXX - was advised a check was sent by one agent then advised to go to the branch then advised they were not giving my money back then advised they made no decision I keep asking for a letter or my money they never have a straight answer or can help me Citibank has robbed me of {$7600.00}

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 monetary relief
Consumer complaint received 2023-10-12
Company: DISCOVER BANK
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am filing this complaint cause I had a discover credit card that was joint with my mother that was opened on XX/XX/2012. 

I was attempting to sign up with credit monitoring with XXXX and was unable to create an account. I called XXXX customer service and when they looked further into the situation, I was told that one of my creditors was reporting my accounts with my social security transposed. The social they are reporting is XXXX the correct social that should be reporting in XXXX. I was told that until this is not corrected by my creditor my file would not be accessible online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: DISCOVER BANK
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My issue is with discover collections, they are repeatedly calling me up to 5 times a day. I am being harassed and called constantly in XXXX minute intervals from discover, an agent, and repeated calls from numbers that hang up immediately when answered. I am being called late at night after XXXX XXXX and sometimes in the early morning. This is excessive and harassment and is causing myself and my family emotional distress. They are calling my relatives even after I have repeatedly asked them to contact by mail with proof of debt and charges. I only receive statements in the mails nothing else. I have attached screenshots of my most recent calls to show as an example.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
Company: Byrider Franchising, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX I financed a car through Cnac financing /j.d.byrider for a XXXX XXXX XXXX and was making payments on time and paid off my deferred payments and was simply making my monthly car note payments, in XX/XX/XXXX I made my payment for {$260.00} and was in good standing with my payments, 2 days later my car was wrongfully reposessed and when I called into the dealership letting them know that they werent in the right and needed to fix the situation, their response was well I shouldve called into them to let them know payment was rendered because they were closed for a few days but I know if me paying it online and the company sends me a receipt every time then I know their data base shows payment was made and then putting my car up for repo was a mistake that was on their part and not mine!!! Then they were trying to make me pay them towing fees for their unprofessional mistakes then I went and picked up my car from the XXXX there and was still up to date with my payments then they lied and said that the car was stolen when it was not, they reposessed it again and the police never arrested me or anything seeing the fact that I had all my paperwork to show my car was mine and in good standing and just overseen the vehicle repossession to keep peace, then after all the unlawful and wrongful unprofessional antics they had pulled on me they had the audacity to quickly put a unlawful repossession on my credit file which has made a bigger issue with me deeming the company mislead me and did unlawful practices to get more money out of me whose the consumer, and gave a big history doing this to many people! I know my rights and need this wrongful repossession rectified asap and the wrongful repossession to be removed off of my credit immediately!! I paid out to the company overall {$2100.00} in total )!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: WELLS FARGO & COMPANY
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello I decided to sell my XXXX XXXXXXXX XXXX  on the XXXX marketplace. One of the interesting wants to buy XXXX contacts on XXXX XXXX. he says please follow the instructions in the email. I already sent a {$300.00} XXXX fee from Wells Fargo but will return full but waited a few hours I tried do im try contact but he blocked me. The next time im try form for a scam a few days get a letter rejected. I lost {$300.00}.

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 2023-03-30
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In the last 6 months I have written all 3 credit bureaus about credit card debt that is not mine. The original creditor closed account permanently and sent letters to me to do so due to inaccurate information. On my credit report on all 3 credit bureaus they have the same company called LVN FUNDING LLC reported the same 3 credit cards as currently owed as of XX/XX/2023. This is inaccurate reporting and is against the 609 and 611 laws. At this time I do not know what else to do but file a formal complaint. Thank you for taking the time to assist with my request. Information about the debt or credit reporting is below. 

XXXX XXXX XXXX XXXX  Account number - XXXX Amount XXXXXXXX XXXX XXXX XXXX Account number - XXXX Amount XXXX XXXX XXXX XXXX Account number XXXX Reported by LVNV FUNDING LLC XXXX XXXX XXXX XXXX  SC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX reports one 30 day late payment to XXXX  Credit Bureau in XX/XX/2020. My payment was not late. My Lease expired XX/XX/2020 and was renewed for 6 months due to COVID. Lease extension was renewed for original lease amount of {$370.00}. Lease extension indicates additional amounts for taxes and fees may be due. I never received monthly statements under the extension until XX/XX/2020 but continued to pay the {$370.00} per month per the extension. I received calls in XX/XX/2020 that I owed money without explanation or any billing statements. Upon investigating, the amount due was for four months sales tax equalling {$99.00} which I promptly paid. The 30 day late payment reported to XXXX  indicates/implies I was late for my $ XXXX  monthly payment which is incorrect. I provided this information and explanation to KIA but they insist the report is accurate without explanation. I contacted them but to no avail. I filed a dispute through XXXX  and got the same result two times. XXXX  advised that KIA gave no explanation except that the report is accurate. KIA fails to acknowledge the issues and circumstances of the extension and no billing statements with the updated amount due. I saved every billing statement from the original lease.

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 2021-03-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had several fraudulent charges made to my Wells Fargo debit card, all withdrawals from non-withdrawal ATMs. My fraud claim was denied on the grounds that as I had my card with me, it was a chip card, and my PIN was apparently used, that it was " impossible '' for it to have been skimmed and that all charges " must '' have been made by me or someone I gave the info to. This is entirely untrue and I am 100 % certain I did not make those charges. Most were made in my local area but one was charged in an area I had not visited in a long time. All were from ATMs at establishments that I had never withdrawn money from. After complaining unsuccessfully over the phone and filing a formal complaint with a representative in my local branch, I was again denied with the same justification. My Wells Fargo complaint number was # 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 2020-11-10
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/2020 my XXXX XXXX was stolen. The car was reported total loss after not being recovered and settlement claim was sent to Infiniti Finance. During the beginning of COVID Infiniti Finance switched to virtual operation leading to excessive hold times, supervisor inability to contact, and lags in all processes. 

XXXX submitted car payment in full request to Infiniti Finance on XX/XX/XXXX. This would close the entire account paid in full. After 1 week of followup we were told to re send the documents in which XXXX re sent documents after XXXX had already received confirmation of receipt. We had the local dealerships file complaints to Infiniti Finance as it took until XX/XX/2020 for someone to sign the form to collect payment. XXXX Finance was unable to deposit the money to formally close the account until XX/XX/2020 leading to a 30 day late fee on my credit report. 

I disputed my inquiry with Infiniti during the month of XXXX with a supervisor to ensure no delinquency was hit on my credit. Infiniti never closed the claim, communicated with me on the claim, and the claim was still opens of the end of XXXX when we received word of the delinquency on my report. 3 weeks ago we filled a second complaint to have the 30 day delinquency removed and it was not approved with request to have us mail proof to their headquarter office. The proof exists in their phone calls- specifically the phone call with the supervisor in the Month of XXXX who apologized for extended time to clearance and put the ticket to ensure no credit hit was made. The company will not provide me phone call records without a lawyer formally subpoena them. 

As a consumer I understood the CoronaVirus impacted their logistics during the beginning of the pandemic. This is the only delinquency I have on my entire credit report leading to a disqualification of my mortgage refinance costing me roughly {$30000.00}. I trusted a company would thoughtfully resolve a total loss understanding all they needed to do to collect payment was have a supervisor sign a check- however that was delayed as they were all virtual. This delay on their part due to corona virus led to my credit being impacted with no remorse, or concern about my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was in communication with a loan originator at XXXX XXXX ( NMLS XXXX ) regarding a refinance of my current mortgage loan. After a brief phone call, they provided me with an online application to complete for the refinance. AFTER they pulled my credit and harvested all of our personal financial data, as well as wasted 30 minutes of our time completing the application, THEN they told us they don't even do lending in our state. Has to be illegal for them to pull our credit and take all of our financial information without informing us that they don't even service our state first.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
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: Personal information incorrect

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.. 

Incorrect Address listed here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX only address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 rep 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 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 2021-09-18
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: Their investigation did not fix an error on your report

Complaint:
For over a year now after being a victim of identity theft I have been disputing with all 3 major Credit Bureaus. XXXX, Equifax and XXXX. 

I have sent letters after letters and have followed every bit of instructions available to me. From using companies to help assist like XXXX XXXX to XXXX and of course writing my own letters. 

If you can search your records you may see nearly a dozen complaints with your company cfpb because of this. My tracked record began XX/XX/XXXX. When I began to need to use my credit to find a new home. 

Consecutively from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX to XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX I have been disputing these items because the credit bureaus are reporting incorrect items and doing so without proof and validation. 

They would reply back to my certified letters that the items are accurate and meet the law and are verified yet I ask over and over again how did they come up to that conclusion and who was contacted to valid or verify the debt or items listed and they never respond ever as to who how or why they are reporting these items incorrectly and without proof. This breaking the law again. 

I submit everything they request including most recently doing what they asked a Police Report along with an FTC report. No one has ever sent me a signature or anything validating these items reporting on my credit profile. I followed their instructions as instructed yet they tell me the FTC Report isn't valid because the inquires did not have a date listed on it. 

The accounts I mentioned are all listed in the letters I will upload. 


XXXX XXXX XXXX XXXX Unverified Account {$6200.00} XXXX  XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX XXXX Unverified Account XXXX XXXX /XXXX  XXXX Unverified Account XXXX XXXX/XXXX XXXX Unverified Account {$1500.00} XXXX XXXX XXXX/XXXX  XXXX Unverified Account {$0.00} XXXX XXXX XXXX XXXX Unverified Account {$4600.00} XXXX XXXX XXXX  XXXX XXXXUnverified Account {$1000.00} XXXX  XXXX XXXX XXXX Unverified Account {$480.00} XXXX XXXX  XXXX XXXX XXXX Unverified Account {$4700.00} XXXX ( XXXX  ) XXXX XXXX  XXXX Unverified Account {$1000.00} XXXX XXXX XXXX Unverified Account {$680.00} XXXX XXXX XXXX XXXX Unverified Account {$660.00} XXXX XXXX XXXX XXXX XXXX Unverified  Account {$6800.00} XXXX XXXX XXXX XXXX XXXX Unverified Account {$17000.00} XXXX XXXX XXXX XXXX XXXX Unverified Account {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: JPMORGAN CHASE & CO.
State: FL
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:
On XXXX XXXX XXXX on a payment of {$4700.00}, I was scammed on the website : XXXX XXXX. The name of the scammers or sellers, ( whatever you prefer to call them ) is XXXX XXXX XXXX. I had purchased what was described as sXXXX XXXX XXXX by their respective actors. However, what I received was fake XXXX XXXXs with fake signatures and a fake and XXXX certification company. I have countless proof that the items the sellers sent me were fake and not as described per the listings. Attached you will see pictures of how they demonstrated and told me the items were authentic and legit. However, you will see that I used a reputable third party to check and they told me the auto was unlikely to pass any verification. Their so called " authenticator '' is a company based in XXXX ( for american autographs ), whose site site ends in " .net '' The sellers also claimed to be from the XXXX XXXX however upon arrival of the items the invoices said they were from XXXX XXXX XXXX XXXX and even used XXXX to deliver. XXXX is usually only used for International shipments. Furthermore, not only were all the items counterfeit but I already returned them all to the seller and have proof of delivery however sellers refuse to send my money back so I am left without the fake merchandise and my money. Almost {$5000.00} was stolen from me in this manner. Whats more? XXXX XXXX ( the website ) and my bank ( Chase ) instructed me to return the items to the merchant. And now the sellers have not returned my money. Chase did not even look at the dispute the first time even though it was extremely clear the merchants were scammers. Then they for some reason let it slide or just ignored my dispute to which I had to appeal and open a new dispute just for them to say after months of waiting that the time period was over. I have been extremely cheated by Chase and will seek legal action if needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-12
Company: WELLS FARGO & COMPANY
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/2021 I paid my auto loan early in full with Wells Fargo bank and received my lien release. At the end of XX/XX/2021 Wells Fargo reported my closed account as over 30 days late. I disputed this 30 days late report with XXXX, my account was marked as closed as of XX/XX/2021 and the XXXX  30 days late mark was left in place. This inaccurate report has damaged my credit lowering my score from the XXXX 's to low XXXX 's.

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 2020-11-10
Company: EQUIFAX, INC.
State: NJ
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 have 2 inquiries on credit report made by XXXX  XXXX on XX/XX/20 and XX/XX/20. I did not authorize these inquiries so therefore it is fraud. Obviously these inquiry dates are fraudulent because the dates are too close in time and that should have been looked at as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Chime Financial Inc
State: VA
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:
My financial institution, Chime, is refusing to dispute, stop payment on transfers, or to reclaim my lost funds from this rental scam. {$2600.00} ( Chime ) {$200.00} ( XXXX XXXX ). 
Individual ( XXXX XXXX XXXX was listing XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, NC XXXX as $ XXXX rental via XXXXXXXX XXXX on XX/XX/2023. 
XXXX XXXX asked me to provide name/number and her husband would return my call. Husband and I spoke on XX/XX/XXXX and XX/XX/2023 on his telephone XXXX XXXX. He stated the property was his mother 's ( who recently passed away ). He stated the property was listed for sale, but he would rather rent. He asked me if I was a XXXX, and asked if we would take care of the home as it was very dear to him as it was his mother 's. Husband asked about my family and pets. He sent me a rental application, which I completed and I sent {$200.00} application fee via XXXX XXXX. Received call from XXXX and email from XXXX and XXXX with approval and lease agreement. Sent security deposit of {$1300.00} via Chime and was asked to send additional separate payments of {$1000.00} and {$300.00} for 1st months rent viaChime, which I did. I looked at the approval and lease agreements and the landlord 's name listed was XXXX XXXX, which is different from the individual I spoke with on the telephone. I called XXXX and was instructed the property was not for rent, only for purchase. I called the husband back and he stated XXXX was listing the property for sale as well and he was going to call them immediately to resolve and he hung up on me. I called my local police department and filed a report ( XXXX ), XXXX, and my bank ( Dispute XXXX ). I'm also reporting to FBI Internet Crimes Unit. I called the husband back at XXXX and the numbers has been disconnected. These individuals ( XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX ) are also listing other properties on XXXX and I've taken screen shots, if needed. I have sent {$2800.00} and now my family is homeless as of XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This company is currently showing 30 days late for the month of XXXX to XX/XX/XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 
CAPITAL ONE BANK XXXX XXXX ***** OpenedXX/XX/XXXXBalance {$960.00} Late open

Company response to consumer: Closed with explanation