BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Scam of fabricated charge - Bank of America Visa denied the disputed claim with no recourse to supply additional information claim # XXXX Business class refundable ticked purchased from XXXX XXXX in XXXX for XX/XX/XXXX flight. Had trouble with XXXX XXXX website in XXXX. XXXX XXXX XXXX # XXXX and there was a XXXX that said click to call and was XXXX. ( note XXXX replaced with XXXX ) Represented as XXXX XXXX and stated flight cancelled and had to pay {$460.00} to rebook flight. Fabricated charge. XXXX XXXX XXXX  emailed original ticket confirmation # and ticket # - No changes made. In Bank of America disputed charge I provided this information. XXXX should have supplied a different ticket # and confirmation than the original and Bank of America travel Visa personnel too ignorant to request the merchant show proof of a rebooked ticket # different than the original. XXXX XXXX would not have charged me for a flight that they cancelled but would rebook at no charge. This was a business class refundable ticket. As it turned out the flight in question was cancelled and we were rebooked at no charge. This entity XXXX took 2 hours to set up and called me back. Threatened if did not pay would have to rebook entire flight. Disputed with credit card and merchant stated was a change fee and credit card company had me pay the charge. Representation was made to me it was a rebooked ticket and stated to credit card as legitimate change fee charge. Payment made to XXXX XXXX XXXX 
Bank of America credit card contact # 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 monetary relief
Consumer complaint received 2022-04-12
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
On this date XX/XX/2021 PORTFOLIO RECOVERY ASSOCIATES opened a collection. 
Account # xxxxxxxxxxxxxxxx XXXX {$410.00} that i owe I have never signed any written document saying that i owe this debt to the collector. 
They are violating my rights the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that i owe this debt to this alleged company. 
Please have this account removed from all three credit bureus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: MoneyLion Inc.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
initiated a transfer from money lion to money lion checking would not allow me to transfer to my XXXX account even though it is linked to the account. I initiated this on XXXX19 it is XX/XX/2019 no response money was remove from investment but has not been transfer to money lion checking or XXXX checking account no response from company long wait times no response from XXXX XXXX nothing from the company and multiple complaints for multiple users

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I can not find any exact choice that matches the issue I am having with this leaseholder. My leased car, a XXXX XXXX XXXXXXXX was involved in a hit and run incident last month, in XXXX while parked in front of my home. It was fully insured as is required for a lease. Ideally, I should have had no issue with my insurance company and my claim but that is not the case. To my utter shock and disbelief my long time insurance company is denying my claim for damages which are considerable. of course I am in the midst of XXXX  this but it is extremely difficult and it is possible that their decision will be upheld. It was my first time leasing a car. I was panicked and didn't know what to do. I reached out to Kia Finance at least three times and to the dealership. They want nothing to do with the situation. There is no support, no guidance of any kind yet I am expected to continue making my payments. I am paying for a rental car out of pocket as well as I did not have this type of coverage on my policy. There is absolutely nothing KIA finance or the dealership is offering to do for me. No loaner car, no rental reimbursement, yet I have to still make payments? How is this fair? I don't even own this car. It is not my fault that my insurance company is denying the claim. It is of course, something I am battling vehemently with them but I could very well lose. Then what? I owe Kia a car? Shouldn't KIA do something to help a customer fight this? They have no legal team that can advise or assist? They have an interest in this. This is their car. I don't ' own it. How is it fair that this is all on me? I am leasing it and making all my payments on time. In any other circumstance, I am in such good standing I should be and was already being approached on an early lease renewal which I was considering. How can this even happen? They have no responsibility at all in this? I did my part. I pay my lease monthly. I was insured for full coverage. I did everything I was supposed to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Receiving multiple letters and Phone calls from Jefferson Capital Systems LLC ( Address : XXXX XXXX XXXX XXXX, NC XXXX ) Saying we owe a debt in the hundreds for which we are not familiar with the vendor and that they could take legal action or sue. 

We were hit with anxiety and panic and XXXX searched the company turns out 80 % of web pages brought up are warnings that this is a scam. 

We are on top of our finances at the moment and want to stopped being harassed with a hoax company and false information threatening legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was a victim of a scam when the fraud dept called I was told the transaction was blocked I agreed to stop the payment to allow for an investigation, they told me it was stopped, the scammer told me it was not received and blocked. the money has never been returned to the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: MI
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 HAVE BEEN NOTICING MULTIPLE INQUIRES FROM THE SAME COMPANIES APPEARING ON MY CREDIT REPORTS, COMPANIES THAT I ALREADY HAVE CREDIT CARDS WITH AND MOST OFFFER CREDIT CARD INCREASES WITH A SOFT PULL. I HAVE FILED AN IDENTITY THEFT REPORT BECAUSE I BELIEVE SOME ONE HAS MY INFORMATION. I HAVE REACED OUT TO ALL THREE CONSUMER AGENCIES WITH LNO LUCK ON GETTING THESE FRAUDULENT INQUIRES OFF, WAS TOLD THAT IT WAS NOTHING THEY COULD DO. THESE INQUIRES FIRST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I ALREADY HAVE XXXX XXXX  AND XXXX XXXX  WHY WOULD I APPLY FOR THEM AGAIN I SHOULD HAVE XXXX OF EACH NOT XXXX OR XXXX, BUT THE REPRESENTATIVE SAID SHE CANT DO ANYTHING EVEN AFTER I TOLD HER THESE INQUIRES WERE FRAUDULENT AND I HAVE MAILED IN MY DOCUMENTATION. THIS WAS XX/XX/2023 AT XXXX XXXX  WHEN I CALLED ALL XXXX, MAJOR CREDIT AGENCIES. I HAVE BEEN TRYING TO FIND A APARTMENT BUT I KEEP GETTING DENIED BECAUSE OF ALL THE FRAUDULENT INQUIRES, I WILL BE HOMELESS IN 30 DAYS IF I DONT FIND A PLACE

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 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 The Creditor : XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act Creditor : XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act Creditor : XXXX XXXX XXXX Account # 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

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 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The information in question comes from XXXX XXXXXXXX XXXX. The amount reported is XXXX. This account first became delinquent in 2014. The time frame for this account has expired. The company is required by law to remove inaccurate information and information that is more that 7 years in age.

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: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX and Experian Please make-up your mind You are reporting me delinquent for XXXX XXXXXXXX Hone loans as followed for 2019 XXXX Delinquent for XXXX XXXX and XXXX Experian DELINQUENT FOR XXXX XXXX AND XXXX XXXX DELINQUENT FOR XXXX XXXX AND XXXX It has been multiple time not one not but minions of times that XXXX has provided you with the current delinquency months yet you XXXX XXXX XXXX Experian have failed to update it correctly

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 2023-10-18
Company: Experian Information Solutions Inc.
State: WI
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:
Once again after months of battling this fraud, I'm addressing Experian is reporting fraud accounts on my credit report. Experian continues to violate my rights & have failed to provide legal proof. I requested actually physical proof months ago, starting in XXXX, XXXX & XXXX & I still haven't received anything back. Experian investigated with the companies reporting fraud & say it's verified but show no actual proof, any one can show a credit bureau a bill & my info, that some one stole from me! They pay these credit bureaus to report fraud & it needs to stop!! I been a victim of ID theft for years & I'm exhausted from this disaster & Experian refuses to provide support. Experian is breaking the law over & over & so are these companies reporting fraud! I Will proceed with a law suit if Experian doesnt stop breaking the law. These accounts are FRAUDULENT!! XXXX XXXX  acct # XXXX {$2200.00}. XXXX XXXX XXXX acct # XXXX {$11000.00}. XXXX XXXX XXXX acct # XXXX {$5400.00}, &. XXXX XXXX XXXX XXXX acct # XXXX {$2800.00}. Experian nor these companies have supplied me physical lawful proof in the 30 day time frame & now XXXX has passed & this is way passed the legal time, therefore Experian must remove them! I have NOT received any documents I requested months ago. I have also submitted a complaint to the CEO & CFO of Experian. & I HAVE FILED A COMPLAINT WITH THE ATTORNEY GENERAL! Experian has 14 days to remove or I'm filing a law suit, my attorney will be contacting you soon. 
Thank You!

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Transunion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-03-05
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/23 I attempted to use my coinbase.com account to send about {$45.00} of bitcoin. After completing my transaction I was told my transaction was put on hold because ID verification was needed. I completed the process online and was told my account is now verified. However the transaction still, did not go through. After working with support for over an hour, they kept telling me I needed to upload a photo of myself but the website they asked me to do this on was not working. Instead of asking me for a photo, it simply brought me to the main account page. I tried this from XXXX XXXX, XXXX on my PC and from my mobile phone. 

After being unable to assist they refuised to cancel the transaction... I am being held hostage because I can not use MY funds and they wont return them. It is NOT my fault coinbase 's website isnt working.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: SC
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 XXXX account XXXXXXXX XXXX XXXX XXXXXXXX, account number 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 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 explanation
Consumer complaint received 2022-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
A check was sent to me by mail, ive never cashed a check before but i saw bank of america had the mobile version so i cashed them only to find out how checks really work after the fact and realized i got scammed. There were XXXX checks total worth {$3000.00} I tried logging in my bank app around XXXX am for them to tell me its locked, XX/XX/XXXX. I call around XXXX am XX/XX/XXXX for them to tell me my account is closed, although they didnt tell me why i know why. So i would like to clear up any future hindrance. The check felt real, but i didnt ask myself what did i do to deserve this. I dont need to open a new account with Bank of America XXXX but would also like to not have a remark on my name for such foolishness on my end.

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 2018-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been advised that each complaint for a company needs to be separate I spoke with cust service at Kohl 's about XXXX late fee waived due to holiday and question my new bill with late fee. I was told something gets added to the bal and because I pay too early I got another late fee. I have many brain injuries and pay according to limited income about XXXX of month. I never heard of such, normally if a late fee is waived after that deducted from what is due, that is what you pay. Person said to do what I needed to do. Their address is : po box XXXX XXXX, with XXXX ( kohls.com XXXX ) I would ask your intervention. Thank you XXXX. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: AZ
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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to Equifax was dated XX/XX/2023 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
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:
XXXX  XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX, XXXX. 
Reported : XXXX XXXX, XXXX - {$830.00} Needs Attention XXXX XXXX XXXX   XXXX XXXX Reported : XXXX XXXX, XXXX - {$4200.00} Closed The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Exeter Finance Corp.
State: NY
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  Account # XXXX, has violated my rights.15 USC 1681 Section 602 States I have the right to privacy.15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.XXXX XXXX

Company response to consumer: Closed with explanation