BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was compromised I filed a dispute. The dispute came back paid. They reversed the dispute, but I went in branch to handle this matter.my account is in the negative because of this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: DISCOVER BANK
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a letter in XX/XX/XXXX from XXXX XXXX XXXX regarding a debt for Discover. The letter indicated I could set up arrangements online so I did for the amount I could afford. The online system only allowed 6 months of arrangements. Due to a death in the family on XX/XX/XXXX, I did not extend the arrangements passed XX/XX/XXXX because I had too much in my mind. When I realized this in XXXX, I called and spoke to a representative of XXXX who advised legal action had been filed because my payments had not been enough even though I never received anything from XXXX advising this. The agent offered arrangements and a settlement that I could not afford. I studied all my finances and determined I could not afford what they were asking but I did set up a new arrangement on line that allowed again 6 months of payments. There was not a month of lapse in the 2 arrangements, however, they are still pursuing legal action against me. They have never advised the minimum they need to avoid suing. I am attempting to pay the debt and they are happily taking the funds from my account. How can they allow arrangements to be made online for whatever amount you enter but still sue? Also, they have blocked me from accessing my account online to change the payment or extend it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: SYNCHRONY FINANCIAL
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
PayPal has an open account that I did not sign up for credit with. They used themselves as a default payment when I used another payment method. PayPal auto used subscription I did not authorize after canceling subscription. PayPal listed itself as different names and I had no idea who the debt Iwas actually acused of owing. Paypal sold my debt to at least XXXX company I know of, XXXX XXXX XXXX, now sueing me without prior attempts to contact me. I was served when I was not home and a contractor was at the home. They left it on the porch as XXXX XXXX. I replied to the Answer of the complaint filed against me. I also filed timely during discovery and sent my admissions on time to them and the court. I have email and USPS proof of delivery and date. XXXX XXXX XXXX claimed the lawyer representing them never recieved it and filing to get a default judgement. They have now switch the lawyer. None of this seems legal or makes sense. Especially when I have proof of payment for the few items they listed in discovery. Luckly I have my XXXX receipts with payments through the cards I used. But PayPal claims I never paid it and has it as a a balance owed with the account open even after selling the debt that isn't real. I do not know how to fight this corruption and fraud in court. I also do not have the time or resources. Every time I try the file something new making it hard to respond to motions. They are using the system to get default judgements illegally under the same format that your company sued and won in XXXX. I have no idea what to do and it is ruining my life and making work impossible. Causing extreme emotional stress and loss of time. I am an only parent single father. This seems like abuse of power when I never even had a credit account with them but they created 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 2023-11-28
Company: National Credit Adjusters, LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
My information was sold and bought illegally because I was a victim of the XXXX breach. I want these items deleted from my credit reports effective immediately Im attaching proof that XXXX has immediately that I was, in fact of victim of his date of breach, and XXXX has done nothing, please help me delete these illegal accounts off my credit reports. ( list all those negative accounts from your XXXX credit report account names and account numbers )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions 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 Experian and XXXX 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 XXXX Balance : {$200.00} XXXX XXXXXXXX XXXX Balance : {$700.00}

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 2023-01-16
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I noticed these fraudulent accounts on my credit report and I've disputed them several times with the company and Transunion and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts immediately, thank you. 

Account Opened Amount XXXX XX/XX/2018 {$0.00} XXXX XX/XX/2018 {$0.00} XXXX XX/XX/2018 {$0.00} XXXX XX/XX/2018 {$0.00} XXXX XX/XX/2018 {$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 explanation
Consumer complaint received 2022-06-20
Company: HYUNDAI CAPITAL AMERICA
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Began process of purchasing auto at end of car lease on XX/XX/XXXX. After repeated problems with Hyundai Motor Finance saying that that the forms were not complete, and resubmitting forms over a period of a month, XXXX website finally indicated that title was sent. Title was sent to wrong address.When I called back, I was told that it would be resent to the correct address, and that it would take about 20 days. When the title did not arrive and I called back, I was told that the title was NOT sent because the rep made a mistake and indicated that it was a retail account, not a lease. Her name was XXXX and she said that she would escalate the issue and that the title would be sent to the correct address. Request # XXXX was opened, and I was told that I would get a call back from a supervisor within three business days. When that did not happen, I called back again and spoke with XXXX, who said he was a supervisor. Did not know why I did not get the call back, and created what he called a " corporate '' escalation '' number XXXX. Said I would get a call back from a supervisor by XX/XX/XXXX. I continued to request to know when the title would be sent and to what address. I did not get a response to this request, and called Hyundai Motor Finance again on XX/XX/XXXX. The supervisor I spoke with said she could not answer my questions, and transferred my to XXXX, who indicated that he is a manager. XXXX indicated that my requested was closed on XX/XX/XXXX and reopened on XX/XX/XXXX, but could not tell me why it was closed and reopened. He also told me that my previous request ( XXXX ) was resolved, but that the title was not sent. He could not tell me what this outcome meant. I explained to him that my bank has sent XXXX letters requesting the title, and that they may consider the loan to be in default if the title can not be supplied within 30 days from XX/XX/XXXX. He said I could not speak to the title department, as they do not have phones (! ) and opened a new request, number XXXX. He told me to call back in XXXX business days to see if the issue is resolved! When I asked to speak with his manager, he said that that person takes care of bigger things, like the rent on the building, and does not speak with customers. I have been in contact with my bank on a consistent basis, so they know that I am having problems getting the title sent to me. Each time I call, I am told that the title is on file, but I can not get it sent to me. Please help!

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 2023-07-02
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the Right to privacy 15 USC 1681 Section 602 A section 2 : It also the state a consumer reporting agency can not furnish a account without written Instructions 15 USC 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 items of information othe than records of convictions of crimes which antedates the report by more than seven 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 the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-20
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I went to a chase bank to open a saving and checking account under my name only with my two forms of ID. I used my drivers licenses and my chase credit card ( that I had since XXXX ). On XX/XX/XXXX I went shopping and my chase debit card got decline so I immediately call the number on the back of my card then a customer services representative told me that chase decide to end the relationship with me and my saving and checking account were under investigation and my money is froze but my credit cars are active. they didn't tell why, I told them the only money I had in there is my direct deposit from a well known hospital everything is legit. So I went to the bank to see if they can explain to me what is going on. I meet XXXX who the manager of the branch asked him to help me. I told him everything he ask me for my two forms of ID which I gave him then he access my account were a phone number was assign for further questions. He was transfer to different departments then he ask me if the account was open online o by person. I told him by person because in XXXX someone stole my identity and I have to give a password that I used to verify that is me, but if they needed I was having my social security card and my USA passport at that point I thought everything was getting fix because they unlock my online account, set up a questioner that I only know the answers and XXXX got transfer to another department to suppose to unfree my account but he was told that a decision was already made to end business with me, so my accounts were still under investigation. He told them I got transfer to this department to unfree her account her online banking got unlock, a questioner was set up for her protection, she only needs her accounts restriction lift. she has her two forms of ID but he was told there is nothing to do a decision was already made to end business with me and I was ban from chase banking. I am in shock and upset

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022 I entered the XXXX XXXX Bank of America branch requested to withdrawal {$1500.00} from my checking account ending XXXX. XXXX XXXX there was nothing she could do for me Bank of America chose to close the account and a cashier 's check would be mailed. I advised her that I'm attempting to resolve this matter and have my funds disbursed me to via a teller at the branch. She again stated there is nothing she can do the account id closed.

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 2023-11-09
Company: EQUIFAX, INC.
State: TX
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within XXXX  days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Chime Financial Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have my XXXX XXXX card statement & XXXX XXXX secured account statement with deposits of {$1400.00} & an ending balance of {$1300.00}. An amount of {$1200.00} was reflex as my new balance and on my statement its says that my balance was scheduled to be paid on XXXX using my funds in my secured account. I have called Chimed multiple times on this matter trying to get an understanding on how, & to who my credits was paid to and they havent yet to inform me. I was uninformed about the secured agreement automatically making payments using my secured account to make payments due on my account well since I disabled the feature and now making my own payments due I have funds in the secured account & made a payment of {$25.00}. Chime couldnt tell me where the funds was going when I made payment from my secured account and when I asked about the {$1200.00} payment made from secured they still couldnt provide the information, now Im competent and understanding. Chime has credited my account never and I been using my credit since XX/XX/XXXX and have statements to prove so. The supervisor Advised that my funds I deposited were held in my secured account to make payments due but when I made purchases on my card the fund was debited when transactions occurred. I now have {$700.00} in my secured account before I paid out {$25.00} to see exactly where the funds go and Chime XXXX XXXX couldnt tell me where.Me knowing law a deposit is a unpaid balance due and Im now competent enough to know I have some unpaid credit payments due and Chime, XXXX, or XXXX neither have paid any credit due to me. I want to know where exactly my funds that been paid from my secured account go. Also I demand a refund from all transactions paid out by my securities in account that wasnt needed to cover any transaction made because I deposited my money to cover all transactions made on my credit card. I attached proof of unpaid credit due and it shows payment been made on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: CT
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # 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 an account without my written instruction. 15 U.S.C 1666 B .A Creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any reason.

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 2022-06-20
Company: TRANSWORLD SYSTEMS INC
State: NV
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:
The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reporting is inaccurate this is ground for removal, and they also violated my rights under 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. Here 's my certified mailing tracking numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
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:
When I took a look at my consumer report I was shocked to find that income was reported on it. Any charge off/canceled debt is considered as a certificate of indebtness in the eyes of the IRS and it is income. The laws specifically states that income can not be reported on a consumer report. 

In accordance with the fair reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Additionally pursuant to 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 a reasonable cause to believe that information is inaccurate. As it is proven that the IRS consider these things as income making the reporting of it inaccurate, these agencies are still willfully choosing to violate federal law. On top of that, they " verified '' these accounts. I am demanding to see what methods they used to verify these accounts and I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file ... means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information... including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination.

Company response to consumer: In progress
Consumer complaint received 2021-09-17
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1. notified and disputed this item with XXXX XXXX XXXX XXXX and XXXX via certified letter on XX/XX/2021 stating that this information reported by Transfinancial was not valid and requested immediate removal from my credit reports. 

2. notified Transfinancial , Inc via certified mail dated XXXX/XXXX/201 demanding validation of debt and permanent and quick removal from XXXX XXXX XXXX XXXX and XXXX credit reports

Company response to consumer: Closed with explanation