BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
I have been dealing with the Bankk OF America Thieves for over 30 years never have I ever dealt with such BULL and lies from any bank. I was informed that a fraudulent check was deposited into my account while being out of town on XX/XX/XXXX and my account was shut down while out of town. The uncaring XXXX had the nerve to tell me that my account was going to be closed because I commited fraud. I'm not the smartest person on earth but I do know that if I committed fraud I wouldn't have waited 30 years to do so ... XXXX XXXX XXXX  XXXX  ... .I should have listened to ppl when they tried to warn me about this trifling bank of thieves but I didn't and this is why I'm in this situtation. I'm tired of asking for my money that belongs to me now on XX/XX/XXXX they finally sent my check out after already causing me to go into a Eviction Status where I live and I have never once been late on my rent in 5 years and I want BO Thieves to compensate me for the incomentence and neglignce. When I received this check that I supposed to have deposited the Signature didn't match mines - 1st Red Flag, The amount of the Check - @ nd Red Flag, XXXX signed the check using my name and writing For Deposit only was the 3rd Red Flag In 30 years I have always signed my checks with my Signature and my acct # and the last Red Flag was the incompentent employee that called me and stated the deposit was made outside of my normal region that I deposit in all these Red Flags but I'm responsibe. I want my money to me no later than XX/XX/XXXX or I will sue for pain and suffering and causing me to go into an Eviction Stage when all you idiots had to do was return my money to me in the amount of {$2500.00} which I still don't have since XX/XX/XXXX. Sure the post office may have lost my check but had you never caused anny of this bull I wouldn't be in this mess. I called the post office and they said you can track the check which your lazy employees refuse to do. I'm tired of your excuses eiter have my money to me in full on XX/XX/XXXX or be prepared to be sued for paid and suffering and my money. I will walk into the bank and get my funds in Cash or I will contact a lawyer to make an example out of you for playing with my funds and telling me I have to wait 121 days for the check to be returned that's your problem not mines. I will be telling the ppl when I go to Eviction Court this is all your fault Ban of Thieves.

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 2023-10-14
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Please excuse any typos Im dictating this on my XXXX and I have XXXX  which XXXX XXXX XXXX XXXX XXXX well. 
The issue is with bases practice is around there. No more worry insurance on furniture. The way it works. Is you buy insurance for five years if you dont use the insurance, the policy gets reimbursed now first of all, its a scam to begin with because the furniture and they were dealing with a very high-end from XXXX XXXX  and should come with a five year warranty that doesnt require an added warranty, so its just a way of sucking you in paying more for your furniture XXXX and this is the real killer they dont notify you when your policy expires so if you dont keep track of yourself five years later and file on time your claim youre out of luck I think this is a very the stuff this up to practice very on consumer, friendly, and just deliberately delivered and its in blatant And its and its deceptiveness I recently had this happened to me with the purchase. I made five years ago and missed it by a month. Theres no way of escalating it or disputing it within Macys. Their customer service process is totally broken. Any customer service agent Ive tried to talk to just passed me on to somebody else most of them dont speak English very well. Ive had global jobs with companies like XXXX and understand accidents from people around the world, I cant understand these human. These human beings are working Macys customer service and theyre stateside. Youre not offshore I can not understand what youre saying I want day I spoke to three different customer service agents all of whom I could not understand they talk into the collar they dont annunciate they dont care the customer cant understand what theyre saying. They provide no solution to it. Theyre totally insular. Its a very aggravating Situation and here I am trying to spend $ XXXX {$20000.00} on furniture at a company who is practically bankrupt and can really use high net worth customers like myself By the way, your website doesnt work very well. Im trying to click the button about publishing this and Ive done it multiple times on a new XXXX and it doesnt want to click you need to fix it. Your your service is just as aggravating as Macys which is not unusual for a government entity. Sorry for the for the insult you deserve it. Ill keep dry. there is finally work.

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 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2022-11-14
Company: EQUIFAX, INC.
State: FL
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 XXXX accounts listed below has violated my civil rights : XXXX XXXX XXXX XXXX : {$100.00} Opened : XXXX XXXX  15 U.S.C 1681section 602 A. States that I have the right to privacy.

15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: AL
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:
Experian has refused to follow suit with other credit bureaus. XXXX and XXXX have removed all incorrect information from my credit report. Experian will not follow suit and refused to send debt validation letters with SIGNED CONTRACT WITH MY LEGAL SIGNATURE. Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ].

PLEASE FOLLOW SUIT WITH OTHER CREDIT BUREAS AND IMMEDIATELY REMOVE INACCURATE ACCOUNTS OFF MY CREDIT REPORT.

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 2022-11-14
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2023-08-31
Company: Experian Information Solutions 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:
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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2019-11-21
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/2019 a dispute was made with EQUIFAX, XXXX and XXXX  in regards the fraudulent accounts on my credit report. proof of identity theft was delivered byway of police report Number XXXX police report attached. 

i require and wish all fraudulent accounts be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
IN ACCORDANCET WITH THE FAIR CREDITREPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15USC1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN INSTRUCTIONS UNDER 15 USC 1666B, A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNTUNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.MYXXXX XXXX XXXX  XXXX ACCOUNT IS REPORTING MULTIPLETIMEPLEASE REMOVE

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 2017-11-15
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Last year I purchased XXXX Nissan altima SV through XXXX XXXX dealer. It is a very bad experience. 

Without my knowledge I ended up as a lease contract. I went to XXXX XXXX for purchasing Nissan altima SV. the sales person bought me a quote and said shows monthly payment as XXXX for nissan altima sv for 36 months for 0 % Apr for finance. Then I said i will purhase. 

After 1 month of purchasing car I realized that it is showing as lease in XXXX website. I contacted XXXX XXXX then they said I leased car for XXXX for 36 months and after 3 years if i wnated to purchase i have to pay residual value of {$13000.00}. All of a sudden i felt i got trapped by this dealer. I looked at papers what i have signed they are related to lease. 

The actual car value on their website shows {$19000.00} when i purchased car. Since they changed as lease they charged my monthly payments for sticker price which is {$31000.00}. I never asked for lease. Beware of this fraud by the dealer. I reached to XXXX XXXX they said they ca n't do anything to fix it up since it is sold by dealer. 

They said it is Finance purchase and on papers they says it as a lease when signing papers. This is my first time purchase so I did not checked contract papers trusting dealer and got XXXX XXXX by this dealer for {$13000.00} additional price. 

The market value of this car is after 1 month is less than {$18000.00}. I purchased it on XX/XX/XXXX. By 1 month I lost around {$13000.00} according to their price tactics done by Dealer and XXXX XXXX. 

All Nissan Dealer advertisements show lease for approximately {$200.00} nissan altima 2.5 s. How come Nissan altima sv lease payment is XXXX . They are big fraud dealer and XXXX XXXX is encouraging this kind of practices by supporting their dealers. 

The persons involved in this are Sales person : XXXX XXXX, Internet sales manager : XXXX XXXX Finance manager : XXXX I have called many times dealer using my phone number but they never responded to my phone calls or voice mails. So I tried calling with a different number now they answered my call. If dealer do n't want to answer customer calls then they should say it directly that we can not resolve the issue in stood of not answering calls. 

Finally I was able to speak to XXXX on XX/XX/XXXX using my spouse mobile phone. Anyways issue is not resolved after speaking to Dealer. 

Is anything can XXXX XXXX fix this issue. I ca n't pay {$31000.00} for {$18000.00} worth car. I know you guys can say easily it is not on your hands since I made Transaction at dealer. But if you can please resolve issue. If you guys really want to resolve issue You guys can look at Transactions done by all your dealers in USA and see if the same car is sold for {$31000.00} in Month of XX/XX/XXXX. Can you guys help me to fix this. 

I 'm attaching contract and Pay off quote from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: TN
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-12-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-12-18
Company: Experian Information Solutions Inc.
State: NJ
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'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: CT
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:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation!

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IDENTITY THEFT ACCOUNT ASAP!!!

I will never stop filing complaints against you because I know my rights!

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

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

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 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 2023-08-08
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Please see attached file. Attached is the appeal letter sent to navy Federal. XXXX funds show available but they still will not release my funds to me. I have contacted the security department 5 times to no avail.each time they have hung up on me and would not allow me to speak to a supervisor. This has been going on for a month. How is this possible? I look forward to hearing from you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent inquiries and personal information from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any inquiries and personal information listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of inquiries and personal information that do not belong to me or were opened without my permission : XXXX XXXX XXXX AV XXXX, AL XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation