BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-11
Company: Affirm Holdings, Inc
State: SC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received a resolution from Affirm confirming that the loan that was opened under my name doesnt belong to me and that loan was closed. When I called about a month ago, I spoke to someone who explained they would update my new phone number and email address so that my information is correct. However, after attempting to login using the correct phone number, I was told I have another account. I called today just to be told that my name is still linked to this loan and that my account can not be closed and that again I would have to wait another request and wait 5 days for my profile to be updated. I am so sick of the run around I have been given everything I call. I dont understand what is the problem and why my personal information can not be deattached from this number that no longer belongs to me. I no longer wish to have an account with Affirm at all but before that takes place, I need them to remove all my information from their system and close any accounts related to my name. I need this loan information to be added to the correct profile and removed from any history within my information. The way this business has handled this situation is beyond traumatic and ridiculous. Please close any accounts linked to my name and remove any association to any loans that were not authorized by me. I have never requested a loan from you all and you know this since you sent me notification that this loan did not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Experian Information Solutions Inc.
State: MD
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: Was not notified of investigation status or results

Complaint:
Dear Experian : To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate collection account. Did you even conduct an investigation because it is still not reporting 100 % correctly? 
1. 15 U.S Code 1667a - Consumer lease disclosure XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. 15 U.S. Code 1645 Business credit cards limits on liability of employees XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
5. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation. 
US DEPT ED Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. I have not supplied proof under the doctrine of estoppel by silence XXXX vs. XXXX ( mo ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists. 
XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
7. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX  Account Number : XXXX Please remove it from my credit report. 
8. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2021 Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
30 days should be enough time to get back with me. 
Sincerely, 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 2023-10-17
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Someone opened an account and the fraud in my company had money transferred to an account in my companies name however we do not own and are not associated with this account at the moment it looks like they were able to scam close to {$40000.00} from us and our customers. 
I have the bank name, account numbers, routing numbers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
Bank Of America is saying an external bank made a claim towards a transfer of money which i made in my own account that i have 100 % ownership of and thats in my name was a fraudulent transfer which was wrongful in there favor because i provided documentation proving that its my funds and its coming from my account. Theyve held my funds and my account is froze with 75 days in so far. All i want is my money this does not make any type of sense.

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 2023-12-11
Company: GOLDMAN SACHS BANK USA
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:
I have lost my phone in XXXX and I have a very basic passcode XXXX. Which I believe was very easy to crack, My face id functionality was broken on the phone hence was using a minimal passcode for unlocking it easily. 

My XXXX was totally moved to some new ID by the hacker, during this time and when I called apple to recover apple ID, they not even acknowledge that I had an account, I believe when you move your Id it is totally erased from apple 's systems. 

While this is happening I have no visibility on what's going on with my phone and there were a tonne of transactions and resulted in XXXX dollars charge on my apple card and I disputed them with Goldman sachs directly. 

Goldman Sachs do not have any way for me to let me see my transactions unless I have my apple Id back. This was very difficult situation for me as I couldn't get my account unlocked my apple nor they accept me to move my apple card to another new ID. 
Both Goldmana Sachs and Apple are kicking me back and forth when I ask to view my transaction and take over my account. 

XXXX reported the XXXX dollar to my credit report without resolving my disputes and they have accepted to take my disputes again and review it but I am not confident they would resolve them again this time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-28
Company: M&T BANK CORPORATION
State: MD
Product: Credit reporting 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 am writing to express my serious concern and dissatisfaction regarding the mishandling of my personal information, leading to a negative impact on my credit score. I have recently obtained my credit report from your bureau, and upon careful review, I have identified several inaccuracies and instances of unauthorized use of my information. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681, I am entitled to accurate and fair reporting of my credit information. It has come to my attention that the following issues have occurred : Unauthorized Inquiry : I have identified an unauthorized inquiry on my credit report, which appears to have been made without my knowledge or consent. This unauthorized inquiry has contributed to the decline in my credit score. Incorrect Account Information : There are inaccuracies in the account information reported, including : 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 XXXXhese inaccuracies have unfairly impacted my creditworthiness. 

Identity Theft Concerns : The discrepancies in my credit report raise serious concerns about potential identity theft or fraud. I request a thorough investigation into these discrepancies to ensure that my personal information is not being misused by any unauthorized parties. 

I am attaching copies of relevant documents that support my claims, including proof of the unauthorized inquiry and any evidence that substantiates the inaccuracies in my credit report. I kindly request that you promptly initiate an investigation into these matters, in accordance with the FCRA. 

Under 15 U.S.C 1681i ( a ) ( 1 ), I request that you investigate the disputed information within 30 days of receiving this letter and, if necessary, correct or delete any inaccurate or incomplete information. Additionally, I request that you provide me with a written report of the results of the investigation. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Failing to rectify these issues promptly may compel me to take further legal action to protect my rights under the FCRA. 

Please acknowledge receipt of this letter and inform me of the actions taken to address these concerns. I can be reached at XXXX or XXXX. 

Thank you for your immediate attention to this matter.

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 2023-12-10
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting 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:
Inquiries on my credit report that I dont know about and my name is not being shown in the credit bureau

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 2024-01-20
Company: CITIBANK, N.A.
State: SD
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
See comments in previous page.

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 2024-02-03
Company: Radius Global Solutions LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A letter was addressed to me. This letter should've have been addressed to my in care of person ( my daughter ) and myself. I signed a paper stating I will return all moneys. I did not understand what I was signing. I was legitimately XXXX from a XXXX XXXX in XXXX  which caused me to be hospitalized 5 times and XXXX  as XXXX XXXX XXXX I submitted years of medical info and was accepted by SSI as XXXX. I do not owe this money back because i was XXXX according to SSI, my doctors and family.

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 2023-12-10
Company: Experian Information Solutions Inc.
State: PA
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:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX and Experian and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.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 written, unwritten, verbal, and nonverbal Per 15 USC 6802. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The law says It is illegal to report transactions on a consumer report. reporting false & harmful damaging information to my consumer report, as well as damaging my reputation, humiliation, & emotional damage to my mental health! XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which 15 U.S. Code $ XXXX states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time. I am opting out of your reporting services. Violating the privacy act of XXXX! 

Account number XXXX Recent Balance, {$1500.00} Date opened XX/XX/XXXX XXXX credit management is legally also not even licensed to collect debts within the state of Pennsylvania!

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 2024-01-30
Company: CCS Financial Services, Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a text message from the collection agency about owning an all state 178.43. Then on the same day I received a report that theres is a collection on my credit report. Under the FCRA I am supposed to be giving at least a week or XXXX to respond but I wasnt given that opportunity. 
Secondly, the debt they are collecting is for auto insurance that I did not sign. Therefore for this debt to valid I am requesting the documentation of agreement between all state and I that state I am liable for the debt.. 
Finally the vehicle that was insured has been sold during the listed period that all state claims they provided this services for the said amount

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Discharge Date : XX/XX/2015 from the hospital and was unable to pay co-payment after insurance. It went into collections and is now over XXXX XXXX XXXX. XXXX, XXXX and XXXX is a third-party collection agency who bought the debt later and refuses to delete it from my credit. this original debt is over 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am filing this complaint to dispute the accuracy of certain accounts currently listed on my credit report. After a thorough review, it has become apparent that there is insufficient information to verify the debts associated with the following accounts : XXXX XXXX Date Opened : XX/XX/2017 Balance : {$6000.00}, XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$62000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$23000.00}. I emphasize my right to accurate credit reporting and request written confirmation of the investigation results along with actions taken to rectify this situation.

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 2024-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This is my second complaint and I am now fed up with BOA. One of my accounts has been blocked for more than 3 months for " suspicious activities ''. I was told it was blocked by Merrill Lynch and nobody could tell me why. The bank asked me to go in person to a branch to sort out the issue. I went to a XXXX branch and it was a waste of time. It took the agent the same amount of time it would take me to reach out to Merrill Lynch. The agent told me that my account is blocked maybe because I did too many international transactions. This is so ridiculous. Would this mean that I am not entitled to make transactions with my money whenever and wherever I want? 
As I am not living in the US now, I provided a telephone number so the bank can call me to provide a verification code. This mechanism is not working. On XX/XX/year> I wanted to make a transaction from the account that was unblocked, I clicked on the option to receive the code by phone. My phone rang and I heard nothing. No code was provided. I ended up not being able to make the transaction. This is just one example, I have several other ones that I could share. 
I am using another bank now. The experience is totally different. They use a voice recognition system and customer service is excellent. 

BOA is not equipped to provide service to customers working or living outside of the US.

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 2024-01-19
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I returned an item to Best Buy - Citibank card. I had already paid the balance so the return resulted in over a {$1000.00} credit balance as I chose not to repurchase from Best Buy. I requested a refund of the credit balance XX/XX/XXXX through help & support email, they responded that a refund would be issued to my bank account in 5 business days. I contacted them again when the refund didn't come on XX/XX/XXXX, the told me another 5 business days. Today I contacted them and they said refund would be made by check in the mail in 7 to 14 days. I told them that was unacceptable because I had already waited since XXXX XXXX and the law is 7 days from written request. They forward my email to the " correct dept '' and cut off contact. I am getting the run around while they are withholding my dollars and I would like a resolution. I have no confidence that I will wait another 10 days to not get a check and start all over.

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 2024-01-19
Company: Radius Global Solutions LLC
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
RADIUS GLOBAL SOLUTIONS is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$350.00} does not belong to me. This account was fraudulently opened through this company in XXXXXXXX XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of 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 explanation