BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
Company: GOLDMAN SACHS BANK USA
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/23 three ( 3 ) charges to XXXX XXXX posted to my account in the amount of {$1000.00} and I used the card in a way that earns 2 % cash back. Each transaction should have earned {$20.00} in cash back. However, only 2 of the transactions were paid out for. I submitted a complaint to them about it and they sent me some generic email detailing how they were paid, but in their own email, it shows only 2 of them were paid out. I am owed additional cash back and the company is refusing to pay it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-06
Company: AFNI INC.
State: IL
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:
I DO NOT RECALL HAVING THIS ACCOUNT AND I WAS NEVER NOTIFIED OF THIS DEBT, IF I HAD BEEN I WOULD HAVE PAID IT PROMPTLY. I DONT THINK IT SHOULD HAVE BEEN PLACED ON MY CREDIT REPORT WITHOUT ME HAVING A CHANCE TO DISPUTE OR RESOLVE THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX has violated my rights. 

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX reported late fees for my account with them the entire year of XXXX, XXXX and several months in XXXX. I have paid these payments on time but for some reason they have been reported as late which is preventing me from moving forward with getting my credit report and score updated to a positive number. This is preventing me from purchasing a home. I have contacted the company, I have emailed the CEO of the company in which they denied to look at my account to correct the issue. I have sent letters and they have not been answered. I sent my payments in and they have been reported late although they were on-time.

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 2023-07-07
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Hello I buys a car Hyundai XXXX XXXX XXXX in XX/XX/XXXX, the firsts year no have any problem with the bank Hyundai financial in the past months of XXXX received a letter what my car was repossessed because no made my payment and I call solicit returned my payment, this is stupid answer, call for solution to this problem, your answer is I need pay again all this money or my car are reported I send copy of all my payment when I call for make my payment in the month of XXXX my account is negative for {$4600.00}, call again send copy all payment with copy of your email with confirmation of received payment, answer is you no pay your car last XX/XX/XXXX my car is reposis, my question is where is may car or my money? never the bank accept my paper only say you no pay is it everything, I pay every months my car, now no have car no have money and no have answer and solution to my problem or the bank can do this? Only like my car back or my money and clear 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 2022-12-19
Company: Unifin Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
UNIFIN a debt collection company working in tandom and co-operation with XXXX XXXX XXXX XXXX XXXX has attempted to collect a debt already PAID IN FULL in XXXX knowingly in the amount of {$4100.00}, this amount was settled in Full in XXXX for {$2300.00}.. The complaint answer from XXXX XXXX XXXX XXXX XXXX Corroborates this as well as documented Pay off .... SEE ALL PHOTOS ATTACHED. THERE IS NO MONEY OWED AND NONE FURTHER WILL BE PAID.. UNIFIN working with XXXX XXXX XXXX XXXX XXXX has XXXX both in person and by letters as seen in photos recently in XXXX knowing full well that my legal name changed in XXXX of XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX name for inheritance purposes as per Ca. State Drivers License, XXXX Passport and Social Security Number. My phone number has never changed either. 
Attempting to collect further on an already PAID IN FULL Collection account with harassment involved constitutes EXTORTION under current Federal Laws and a further crime of U.S. Mail Fraud for attempting under duress and harassment to collect a non payable PAID IN FULL amount in order to make a " marketable illegal profit '' for it's company in accordance with FBI current RICO Laws now in place for such actions. It is clear in the statements mailed to myself that these companies were aware of the amounts, dates and proceedings of each others collusion to attempt further payments on a previously PAID IN FULL account to XXXX XXXX XXXX XXXX XXXX in XXXX with XXXX Consultants in XXXX. 
My attorneys private investigators firm have collected both video, photo and document evidence that has been turned over to the proper law enforcement agencies as well as State authorities on bonding and legality issues. 
THIS ACCOUNT WAS AND IS PAID IN FULL ... NO FURTHER Payment OF ANY KIND IS FORTHCOMING.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
CapitalOne auto finance is showing a resolved account as a charge off. The vehicle was paid off with my gap coverage after an accident in 2019. This account is invalid. I have spoke with the company, and with the credit bureaus to have this item removed, but it keeps coming back as verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Experian Information Solutions Inc.
State: KY
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:
Account Name : XXXX XXXX, has violated my rights. 
15 USC1681 section 602 A. States I have rights to privacy 15 USC1681 section 604 A Section 2. it also a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C. ( a ) ( 5 ) Section States : no copnsumer reporting agency make may consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes wich antedates the report by more than 7 years 15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that 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 explanation
Consumer complaint received 2021-01-06
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This is a variation of the previous complaint XXXX : On XX/XX/2019 I sent a check made out for {$4800.00} to XXXX XXXX XXXX XXXX for closing costs on a mortgage from Loan Depot. I mistakenly made out the check to Loan Depot instead of the title company. On XX/XX/2019 I cancelled the mortgage contract in the manner specified by Loan Depot. On XX/XX/2019 someone cashed the check via bank number XXXX, account number XXXX, routing transit number XXXX. I was contacted by a representative of XXXX XXXX XXXX XXXX on XX/XX/2019 who said he was aware of the transaction and wanted to help. It has been two weeks and no response has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reported fraud on my credit report as there is a collection of {$390.00} on my account that is fraudulent. I have disputed this collection on all 3 credit bureaus multiple times along with the address associated with the account as it is not valid. This account has not been removed from my report. The fraudulent account that is being reported on my credit report is XXXX XXXX XXXX. I have not conducted any business with XXXX XXXX XXXX or XXXX XXXX. This account was opened on my report on XX/XX/2021. I would like to have this account removed from my credit report as it is fraud and possibly identity theft.

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 2022-10-11
Company: American First Finance, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I bought Refrigerator through XXXX XXXX   store & 3month finance through American First Finance XXXX101 days to pay off {$1400.00}. There was {$50.00} fee for application that was separate from amount to be financed. So three payments of {$240.00} to be paid XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. This would leave {$710.00} to be paid in full by XX/XX/XXXX, as XX/XX/XXXX fInance charges would be added. Additional payment of {$500.00} was paid on XX/XX/2022, and the remaining amount of {$210.00} ( this makes it paid in full ) paid on XXXX XXXX. Here it is XXXX & they American First Finance is attempting to take another {$240.00} and I had to put stop payment on it. I am out not only {$35.00}, but American First Finance made a 2nd attempt to take money that they were not entitled to & I have another {$35.00} fee to pay my bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 a victim of identity theft, someone was able to create a various accounts using my personal information. Im not sure how they were able to retrieve my information I want to think of a data leak or a software was hacked. This has been very concerning and nerve wrecking for myself.

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 2023-01-13
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 a victim of identity theft, someone was able to create a various accounts using my personal information. XXXX not sure how they were able to retrieve my information I want to think of a data leak or a software was hacked. This has been very concerning and nerve wrecking for myself.

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 2022-04-15
Company: The CBE Group, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received text : " This message is from the CBE Group, a debt collector. Please contact us at XXXX or paycbe.com. Reply 'STOP ' to stop texts to this number. '' I have never gotten any mail from these people, I have no idea what " debt '' they're talking about. Responded with 'STOP ' text, but received no response confirming that the messages would stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: CITIBANK, N.A.
State: TX
Product: Credit 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:
Around XX/XX/2023, I called Citibank # regarding fraudulent charges that I did not authorize and to close my account. I called again XX/XX/2023 and was passed from one person to another. I asked them to report to the credit agencies and to correct it as it is affecting my credit score and my credit. 
I called Citibank # XXXX, then was asked to XXXX The amount was {$4200.00}. Credit card : XXXX fraudulent charges. 
Another credit card : XXXX also fraudulent charges- not sure of the amount. 

I am so scared to use Citicard again and have not until these issues are resolved.

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 2021-01-06
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Despite of the written appeals I sent, any kind of responses was taken for granted. Thus, their action have violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that is still reporting on my Credit Reports : XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$320.00} XXXX XXXX XXXX XXXX XXXX Balance {$230.00} XXXX  XXXX XXXX  XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$880.00} XXXX  XXXX XXXX  XXXX Balance {$470.00} XXXX XXXX XXXX XXXX XXXX Balance {$11000.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$55.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my recent credit report request from Transunion, XXXX, 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.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX THIS IS NOT MY ADDRESS PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX THIS IS NOT MY ADDRESS PLEASE REMOVE IT XXXX XXXX XXXX, XXXX XXXX, CA XXXX THIS IS NOT MY ADDRESS PLEASE REMOVE 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 explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: MS
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:
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you, non-written, verbal, and non-verbal per 15 USC 6802. Therefore I am opting out of any derogatory indicators such as late payments, charge off, collections, bankruptcies, judgments, liens and hard inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery associate has violated the FDCPA on many occasions according to 15 usc 1692 c ( c ) 1692 d ( 5 ), the lady XXXX keep calling me telling me I owe a debt and to give her my personal information. In the letter portfolio sent me it clearly states that it is not attempt to collect a debt so why am I being harassed, according to the law as a consumer I am entitled to privacy of my personal information and who I want it shared with. I have never given portfolio any written or verbal consent to report any of my personal information to any CRA nor did I ever sign a contract or taken out a loan with them. NO CONSENT IS IDENTITY THEFT, they have used my name and personal information and reported it the the credit bureaus without my consent. the law clearly sates that consent is needed to access, obtain or report information to my credit file. I feel threatened and I am afraid to answer my phone! I have attached proof of debt validation and request for cease communication, portfolio recovery just don't respect the law!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
THIS INVOLVES JP MORGAN CHASE BRANCH IN XXXX, XXXX. OUR BUSINESS ACCOUNT IN THE NAME OF XXXXXXXX XXXX XXXXXXXX, XXXX. WHICH HAS BEEN OPEN FOR XXXX  YEARS WAS SUDDENLY FROZEN WHICH CAUSED PAYROLL CHECKS AND SUPPLIER CHECKS TO BE RETURNED. 
THE EXPLANATION WE WERE GIVEN WAS THAT CHASE NEEDED THE DRIVERS LICENSE AND SOCIAL SECURITY CARD OF XXXX ON OUR INACTIVE OWNERS. WE TOLD THEM THAT HE COULD PROVIDE THE DRIVERS LICENSE BUT THE OWNER WHO IS XXXX YEARS OLD NO LONGER HAD A SOCIAL SECURITY CARD BECAUSE IT WAS IN HIS WALLET WHICH WAS STOLEN SEVERAL YEARS AGO. WE ASKED IF ANOTHER FORM OF ID COULD BE USED INSTEAD AND WE WERE TOLD THAT THEY WOULD LOOK INTO IT. WE NEVER HEARD BACK AND OUR ACCOUNT WAS FROZEN ON XX/XX/XXXX CAUSING HARDSHIP TO OUR EMPLOYEES AND AS WELL AS OUR REPUTATION WITH SUPPLIERS WHOSE CHECKS WERE RETURNED. WHEN WE TRIED TO WORK WITH THE BRANCH MANAGER EXPLAINING THAT OUR BUSINESS WAS AT RISK, SHE SIMPLY STATED THEY NEED THE SOCIAL SECURITY CARD AND NO OTHER DOCUMENT WOULD WORK AND THAT A NEW CARD COULD BE APPLIED AND WOULD BE AVAILABLE WITHIN A COUPLE OF WEEKS. WE EVEN HAD OUR ATTORNEY GET ON THE PHONE AND STATE THAT A NOTARIZED AFFIDAVIT COULD BE PROVIDED THAT WOULD ATTEST TO THIS OWNERS SOCIAL SECURITY NUMBER OR ANY OTHER DOCUMENT ( IE TAX RETURN ). THE BRANCH MANAGER SAID NO THAT YOUR ACCOUNT REMAINS FROZEN. AT GREAT EXPENSE AND EMBARRASSMENT WE HAD TO FIND A NEW BANK AND NOW START TO ESTABLISH A NEW RELATIONSHIP AFTER XXXX  YEARS WITH CHASE. 
THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have notcomplied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowedby law and continued reporting as unverified information which now, given all my attemptsto address it directly with the creditor, as willful negligence and non-compliance withfederal statutes. Below are the lists of the erroneous accounts reporting on my CreditReport : XXXX/XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX/XXXX XXXX XX/XX/XXXX {$1800.00} XXXX/XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX/XXXX  XXXX XX/XX/XXXX {$3100.00} XXXX/XXXX/XXXX  XXXX XX/XX/XXXX {$7200.00} XXXX/XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2600.00}

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 2023-10-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation