BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-01
Company: VW Credit
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I have purchased my vehicle at the end of the lease. Audi financial team quote the final price. I have sent the check. they have cashed the check immediately. It's been more than four months and I am still waiting for my Title.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-16
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:
I received my credit report from Equifax on  XXXX / XXXX / 2017  confirmation #  XXXX  after filling disputes regarding items on account. The updated Reinvestigation report received showe d SEVERAL it ems that had been deleted from my credit file. Then I received another report from Equifax dated  XXXX   XXXX ,  2017 , confirmation #  XXXX  that showed the items that had been updated and deleted back on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: ERC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted this company on multiple occasions asking them to verify a particular debt that does not belong to me. They repeatedly failed to do so, therefore the debt has been removed from my credit report multiple times and they keep adding it back as a new debt. This is completely inaccurate and proves that this company lacks integrity, honesty & credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
ON XX/XX/2023 I put in a dispute on Coinbase for 8 four unauthorized charges of XXXX from XX/XX/2023, until XX/XX/2023 I have contacted Coinbase on several occasions last month and the month before for a refund of unauthorized charges. They said they had a problem refund my money due to a system error but they would refund it. They never refund the money so then I contacted my bank XXXX by XXXX XXXX, and put in a dispute and my bank restricted my account, which left me with no access to my money I feel my bank did not support me as a customer with zero fraudulent no tolerance due to the fact XXXX by XXXX XXXX, and Coinbase, our partners in the financial department that right there is already discrimination and discriminatory. However, I'm requesting that they pay me for those unauthorized charges that took place, and after putting in the dispute, they made anothe debit XX/XX/XXXX for XXXX so obviously XXXX by XXXX XXXX did not handle their business with Coinbase due to the fact your partners correctly and fairly I feel I was not treat ] fairly to ther terms and agreements

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On   XX/XX/XXXX  , I send a large principal payment via check to my mortgage service company. I have sent many principal payment checks previously, the checks have been cashed and the account has been credited. This payment would lower my principle balance to less than {$1000.00}. However, the mortgage service company has refused to cash the check, and instead tells me they are send the check back to me because they consider this a loan payoff, and they will only accept a wire, or cashier 's check. My loan has no prepayment penalty. They have left me with in excess of  $ 10 0K  in  a checking account earning no interest for weeks now. But they are charging me interest on this large sum because they refused to accept my payment in direct violation of my loan.   I did not want to go through the time and expense of sending a wire or obtaining a cashier 's check.   The service company is  PennyMac.    I find this to be unethical, and illegal. I am being penalized for prepaying my loan by the loan service company.   How do I recoup my losses, and what should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
O n  X/XX/2017    I made  a deposit in the amount of {$5000.00} to my  Chase c hecking account by filling in a deposit slip. The teller handed me a receipt and I left the Bank. Today,     X/XX/2017    I notice d the fund was not in my account.   I visited the Chase Bank and after talking to a teller and her supervisor, I was told the teller had inputted the wrong account number for the deposit. Also I was told that normally it takes a week to correct the mistake, but they will try to correct it in 2 days,  ( it sounded lik e they are doing me a favor ). Fortunately, at this time, I can wait 2 days for the funds to be available. The mistake should not have happened and Chase Bank should have corrected the problem right away. Chase Bank should be held responsible for its mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-21
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/XXXX it was reported that an late payment occurred on my XXXX XXXX  account from XX/XX/XXXX. I called XXXX XXXX and was advised to reach out to all three ( 3 ) credit bureaus XXXX, Equifax and XXXX. After reaching out to the credit bureaus, asking them to investigate I would only receive auto generated response stating my account was updated. No investigation was performed, no validation of my account being past due NOTHING. Just auto generated response. Attached is my bank statement, reflecting payment being made through XXXX XXXX on XX/XX/XXXX in the amount of {$430.00}. My due date was the XXXX of each month occurring late charges after the XXXX. Account past 30 days would be AFTER the XXXX of the following month. My payment was submitted On time with XXXX XXXX  through their 3rd party collection by phone on the XX/XX/XXXX. Please see my attached bank statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 act XXXX Account number : ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX  ) and Account ( XXXX XXXX XXXX  ). All of these accounts have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2. Also states a consumer reporting agency can not furnish a account without my written instructions.

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 2020-03-25
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I AM A VICTIM OF AN IDENTITY THEFT, THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, WITHOUT MY KNOWLEDGE. SOMEONE STOLE MY PERSONAL INFORMATION AND MADE SOME FRAUDULENT CHARGES. NOW I AM VICTIM, AND I AM BEING PENALIZED FOR SOMEONE ELSES CHARGES. NOW I DON'T KNOW HOW THE THIEF GOT MY INFORMATION OR WHERE HE MADE THE CHARGES, BUT I SHOULD NOT BE PENALIZED, HOW IS THIS FAIR TO ME. I HAVE GONE TO THE POLICE, I HAVE GONE TO THE FAIR TRADE COMMISSION OFFICE, NET I WOULD LIKE TO INFOMR THE WHITE HOUSE BUT I BELIEVE THEY HAVE BIGGER ISSUES RIGHT NOW. BUT THIS IS MY ISSUE AND ITS VERY IMPORTANT TO ME. I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: MS
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, MS XXXX According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA Date Opened : DATE XX/XX/2020 I don't have contractual relationship with this company. I don't recognize this Collection. Please provide me the name and address of the original creditor.. Account Number XXXX Please correct and update it from my credit report. It is completely a violation in accordance with the FCRA that sates : the ACCOUNT MUST BE COMPLETE, ACCURATE AND VERIFIABLE. Please remove it from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Block, Inc.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In accordance with United States Codes and Federally protected consumer rights these violations are noted and probably more, 1026.13 Billing error resolution.

18 U.S.C S.s.1029 Violation 18 U.S.C c.47 Violation 18 U.S.C S.s. 1030 Violation 18 U.S.C 1644 Violation 47 U.S.C 325 Violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( tm ) ALL RIGHTS RESERVED, XXXX It's an Failed transaction i do t Understand I didn't approve the transaction or transfer my funds either your company or XXXX XXXX XXXX XXXX XXXX , XXXX or Both transferred funds to another accounts he or she requested i didnt send it or receive it i was scammed Rights Violated Consumer and Constitutional per U.S. Federal Laws and Regulation implies I also noted I didn't send it I recently talk to Cashapp concerning the funds to the account in question guess its nothing they can really do because the amount in question it's still fraud shouldn't Be possible I had funds in on my Cashapp account when this happened I told them it wasn't me deceptive practices caused me financial harm should get punitive damages for this long process stressful process Cashapp $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , As XXXX XXXX XXXX show In account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I believe I have been the victim of identity theft and someone has used my information illegally without my permission or knowledge. Please help me this has really taken a toll on my family and now we can not buy a home because they destroyed my 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 2019-01-25
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:
First off I would like to thank CFPB for advocating on behalf of the consumer that wants fair justice without taking the credit reporting agency, Equifax in this case to court. I have been a victim of identity theft and fraud for a number of years more recently it hit me hard after my personal identity was used without my consent checking accounts under my name were opened and some of the creditors were being paid minimum payments to continue to use the accounts for a period of time without my knowledge. Until last month I found several more accounts opened and after compliance with Equifax I sent them a copy of the requested police report and identity theft report. They had a recent data breach I was advised by Equifax and clearly by Fraud that I have been a victim. To satisfy our law makers Equifax offers a year of low quality credit monitoring and dispute representation from Equifax staff that are not even familiar with FCRA and any of the identity theft laws. Are these the people that are handling disputes for the American people? Since I have sent complaints about Equifax in the past, XXXX XXXX needs to probably probe Equifax about not complying with blocking fraud accounts they have helped to create and applaud XXXX  and XXXX  for staying in compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: Comerica
State: WA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My name is  XXXX   XXXX , I am  a Ssi r ecipient who receives my funds on a direct express card. After some unauthorized charges ( approx {$280.00} worth by the same merchant ) appeared on my account before   XX/XX/XXXX   ( the date I started the charge back process with direct express ). I was finally given a provisional credit for that same amount ( approx   XX/XX/XXXX    ) nearly two months after I started the charge back process. I  was given this provisional credit only to have it taken awa y (  in less than 30 days ) without notice or authorization by direct express. Which is essentially the same action as the original offending company did  ( c ommitted unauthorized charge without notice ). It 's been over 90 days  (  charge back started   XX/XX/XXXX ,  today is   XX/XX/XXXX   ) since I started this charge back and I 'm left without resolution. I 've spent over days worth of hours on the phone to direct express over the past  three  months, and have gotten nowhere. Today 's third call has gained me the knowledge ( from a supervisor ) that my claim was approved and closed out yesterday and I would get a letter stating this and when to expect my money. When asked why I do n't have my money back today after this terribly long hardship the supervisor stated " maybe they are waiting for you to receive the letter before they deposit your funds ''. I 've probably spoken to every supervisor that works for direct express and none of them ever quite seem know what 's going on during my many calls, and even if they did are left at the mercy of their supposed and mysterious charge back department. Of whom has no telephone number to call, and only method of contact is the submitting of a support ticket by the very person who does n't know what 's going on. You are left at the mercy and hope that this support ticket is properly expressed and worded correctly so that the se two parties ca n communicate and your problem will be solved. Which is never the case because the supervisors often leave out pertinent info, and the messages are poorly expressed causing a communication breakdown as the recipient charge back department picks the note off the back burner and comes to a resolution requiring the least amount of effort right or wrong. I 've just given up during past issues regarding fees in the past because of this losing money in the process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-10
Company: EQUIFAX, 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:
I was victim of Identity theft. My personl information was stolen and used to opened up an account with XXXX XXXX. For {$10000.00}. I have filed a police report notified this company about the fraudulent activity. I also contacted Equifax and disputed this company twice, XXXX XXXX was deleted twice off my equifax cedit report and now has opended an duplicated account to report again. My compliant is with Equifax once I disputed this account and it was deleted once, it should've been blocked not deleted twice and put back on again, Also XXXX XXXX has opened a duplicate account and that is against the law. I would like Equifax to block and delete this account XXXX XXXX off my credit file and any other reporting inquires I did not Athorized permanently

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed an inaccurate amoun t ( {$2000.00} )  being reported  by Fair Collection and Outsourcing. I t came back as verified however, I nor the credit reporting bureau did not receive any type of documentation proving said account/amount is valid. I was told by  XXXX  at  XXXX  that all the company has to do is say the account is accurate and it gets reported. That 's just like saying  XXXX  owes me {$500.00} just because I said so.

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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear [ TransUnionXXXX ], I am writing to dispute the information regarding the XXXX account ( Account Number : [ account number ] ) listed on my credit report. The account is reporting with a past due balance of {$89.00} and a payment status of " Late 120 Days, '' which is not accurate and does not reflect my actual payment history. 

As a consumer, it is my right to have accurate and complete information on my credit report, as stated under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) guidelines. The burden of verifying the accuracy of the information provided to the credit reporting agencies lies with the furnisher of that information. 

In light of this, I demand that you investigate the accuracy of this account information and take immediate action to correct any inaccuracies. I have attached copies of my bank statements and credit card statements, which clearly show that all payments were made on time and in full. 

The reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. It is also in violation of [ 15 US C 1681 section 604 A Section 2 ] [ 15 USC 1681 Section 602 ] [ 15 US code 5 1681b ]. Therefore, I am also requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report. 

In accordance with the FCRA and CFPB guidelines, I expect your prompt response within 30 days of receipt of this letter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX CFPB Codes : Bulletin 2013-1 Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act Section 1681s-2 ( a ) of the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-16
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 should have been advised that because an additional payment was made during  XXXX  the  XXXX  payment would not be deducted, despite interest accruing and that it will negatively impact my credit report, regardless of being ahead by almost 20 % on payments.     As a result my credit scores have each suffered by approx.  XXXX  points. This will impact me on multiple levels for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 should have been advised that because an additional payment was made during  XXXX  the  XXXX  payment would not be deducted, despite interest accruing and that it will negatively impact my credit report, regardless of being ahead by almost 20 % on payments.     As a result my credit scores have each suffered by approx.  XXXX  points. This will impact me on multiple levels for years.

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 2023-05-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
American Express has charged me {$510.00} in interest fees on XX/XX/12. I contacted them to understand the charge. Here 's what happened : I had a bank account linked, and I didn't have enough funds in that account to make the payment due. I went online to try to change the account linked, and the American Express system wasn't working ( it had some error message, like " try again later '' or something ). That happened several times. I gave up and didn't have time to call them, so Amex automatically pulled the payment from my account with insufficient funds. 
Once I realized that had happened, I called to understand the interest being charged. I asked how {$510.00} was calculated. It was for a billing period of XXXX XXXX XXXX where I owed a balance. I asked if I was being charged interest on the whole amount of that billing period for each day of that time period, and they said yes. That means I was being billed interest on money I hadn't even spent yet!

Company response to consumer: Closed with explanation