BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
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:
This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$330.00} XXXX  XXXX Balance : {$740.00} 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 non-monetary relief
Consumer complaint received 2021-09-16
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX I used the 24 hour drive thru atm at the XXXX  florida location after bank hours. I did make a mistake and use the wrong card. I deposited XXXX dollars. The atm said error with deposit returning cash and then said error returning cash. It had some money sticking out thay I had to pry from the machine it was a total of XXXX dollars instead of the XXXX. I called the 1800 24hour customer service right away they said to go in to the branch after getting and understanding what had happened. An investigation was launched In which i was told there was no overages and no way the money could be jammed. I asked about the cameras because i had sat there and counted the money i pried from the machine they said they saw me receive money and started i got the full amount back. I already assumed from the way the lady at the bank said the investigation could be denied that they assumed i was lying and just trying to get free money. After it was denied I called back several times asking them to double check the atm and cameras because I didnt receive my money. Was told there's no possible way it's in the machine and they service them their selves and nothing else she could do for me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-16
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX I made an online purchase at XXXX with my Chase card XXXX for {$1100.00} and I chose the option to pay extra to have my products overnight shipped to me knowing that I would be going to work I am a XXXX XXXX XXXX and not be home for a couple of days and my shipment was delayed and I tried to cancel the order through email and phone call before the order be sent out And I was unsuccessful with reaching them by phone I emailed multiple times I didnt receive an email until days later and was told that the package was still delivered and I have no knowledge of where the packages or where it was delivered I opened a dispute with my bank and XXXX neither was helpful

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Westlake Services, LLC
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Westlake financial has me on a auto loan that I never signed for it belongs to my ex fianc which knew all my information so I'm guessing the car lot let him add me to the loan as a co applicant without my knowledge. I spoke with them and they told me to dispute it and they would take it off. I disputed and they didn't take it off even after explaining the situation. This needs to be removed off of all three of my credit reports because I will take this as far as I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a notification that I could use my Best Buy/Citicard for 6 months no interest. The email did not indicate it was only at bestbuy. They also email people and indicate higher rewards for a specific time frame which they do not honor. I spoke to an individual today whose name was XXXX ( or so she said ) and apologized for the misunderstanding. There is no misunderstanding. It's intentional fraud. I can not talk to the issuer Citibank as they have relinquished all servicing to BestBuy.

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 2022-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was trying to sell a car thru the XXXX On XX/XX/2022, I received a message from a guy who wanted to buy it ( I'm attaching the copy of our conversation ). He send me a check with more amount than I requested asking to pay the movers. 

I deposited the check and after two business days it didn't went through the bank blocked my account and then closed it with no details. 

I was trying to call the bank ( Bank of America ), visited the branch but nothing helped. They even didn't want to talk to me saying if the decision was made, there is nothing they can do. I asked why they didn't let me know if the check was fake when I was depositing it, they said their first scan system doesn't show always if a check is fake but it would be found out at the end of the day when they scan the checks though the system. 
On XX/XX/ I received a letter from the bank that their decision is final and they reported my information to XXXX XXXXXXXX XXXX XXXX XXXXXXXX which may affect my ability to open an account at any other financial institution. 

While I'm trying to resolve this issue with CFPB, I completed a police 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 2021-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I pulled my consumer report and noticed your company pulled my report without my permission. No consent is identity theft. Permissible purposes of consumer reports { 15 U.S.C. 1681b } for an entity to view a consumer 's credit report without a " permissible purpose. '' Therefore due to the damages that have been done to my report, you are civilly liable to me in the amount of { {$1000.00} } per 15 U.S.C 1681n. Second, because the address do not exist, then it is still considered unlawful to report inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2022 XXXX XXXX XXXX/XXXX/2022

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 2022-11-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, in amount of {$7700.00} 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: PNC Bank N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The name of the company is early warning that most banks use to determine if somebody is eligible to have a checking account with them it happened when I had a checking account with what was then XXXX compass Bank I was a victim of identity theft somebody sent me a check I deposited it and waited for it to clear I then paid some bills and was alerted by the bank that the truck was bad so I went through the process of even getting a loan for over {$4000.00} to pay the bad check they then asked me to leave the bank and they put that bad report on my report with early warning and ever since I can't even get a bank account even at the credit union that I used to be with I'm not sure what the dates were it was over 4 years ago and since then I've tried to get with XXXX compass bank manager and then I never heard from him after I asked for help I need this removed now before I get married and have the embarrassment of telling my fiance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have had my credit report frozen with equifax for numerous years. I needed to temporarily lift the freeze with equifax so that a business could run my credit report. Despite having logged into my online equifax account, I was unable to lift the freeze ( either temporarily or permanently ) through the website and directed to call customer service. On two occasions, the customer service representative at equifax tried to lift the freeze and was unable to do so. Ive been told that someone will get back to me about this issue within 72 hours but have yet to hear back. Meanwhile, my application will likely be closed due to not being able to run my credit report from equifax. I honestly dont know how this company can be trusted with our personal credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Afni debt collectors are trying to collect a debt that I do not owe. Moreover, this false debt was previously placed on my credit report and removed after I contacted the CFPB where XXXX XXXX XXXX acknowledged that this debt was placed in error and I did not owe anything. Over a year later AFNI must have bought this false debt ( that was removed ) and are trying to collect on false information. They have lowered my credit score in all 3 bureaus by 65 points for a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: MRS BPO, LLC
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX, I received a response to my initial complaint to MRS BPO LLC where they stated that they would stop contacting me regarding a debt that I did not owe and was a result of identity theft from the previous property manager of my apartment. Since that day, they continue to email and call me to collect on this knowing that this is in dispute. This is illegal and should they continue I will will contact Utah 's Attorney General and seek a criminal complaint for harassment and pursuing a federal lawsuit for their blatant violation of the FDCPA. I no longer lived at the property during the time period they are trying to collect for as my lease ended XX/XX/XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX XXXX XX/XX/22, charged late fee and I called to dispute the charge as a XXXX year customer, also explained my circumstance and reason for late payment but request was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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 to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A, states I have a right to privacy. 

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or 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 non-monetary relief
Consumer complaint received 2020-02-19
Company: HYUNDAI CAPITAL AMERICA
State: MS
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 : On XX/XX/XXXX, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about XXXX XXXX credit card customers and individuals who had applied for our credit card products. this could be it XXXX  : This post was inspired by my comment exchange with a site reader about negotiating a settlement with a XXXX credit card that is now in the hands of a collections law firm. My comment would have been too lengthy a reply on the page the discussion originated, and this is also something that is not all that topical to the Debt Relief Program Intro page. What follows is food for thought not just with XXXX XXXX, but with creditors like XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX to Pay {$32.00} XXXX for Illegal Credit Card Practices. ... " The CFPB 's track record, and this result today, shows strong and consistent action against credit card companies that dupe consumers into buying a product they do not want. '' hyundai finance XX/XX/XXXX the Vachon Law Firm sued Hardin Hyundai Inc. an XXXX California car dealership, alleging that the dealer fraudulently and unfairly attempted to trick a consumer into paying for a vehicle she had no legal obligation to pay for. XXXX XXXX XXXX XX/XX/XXXX - Customer 's car-buying process can be taken advantage of by the car ... Non-Disclosures car dealerships are required by law to disclose ... For example, a car dealership may lie and say the vehicle has been ... XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX has been hit with the first of what could be many federal ... In a complaint filed late Monday in XXXX XXXX federal court, the plaintiff ... Corp et al, U.S. District Court, XXXX   District of California,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: AMERICAN EXPRESS COMPANY
State: KY
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: Card was charged for something you did not purchase with the card

Complaint:
Dear CFPB, I'm XXXX XXXX XXXX senior citizen. Please note that I've filed a fraud alert case with American Express. Apparently, offshore scammer called my phone and pretended to be a merchant ( employee of airline vendor called Just Fly ). The scammer received my airline ticket booking ID. From that booking ID, he repurchased tickets. That charged my AMEX card three charges on XX/XX/XXXX : XXXX ) {$400.00} XXXX ) {$200.00} and XXXX ) {$910.00}. I NEVER SHARED AMEX CARD INFORMATION NOR DID I APPROVE THESE CHARGES. The scammer was able to rebook airfare without my consent only by using my existing booking ID. 
I filed fraud charges with American Express. As of this writing, I filed at least three fraud charges with American Express on same transaction. But, they keep reverting charges back to me with excuse that I've shared card details with the merchant. I never shared card details nor I authorized these charges. But, American Express fraud protection team is not willing to even consider this. I tried explaining them at least 10 times on the call and through live chat with support. Initially they open fraud case and in few weeks they remove fraud case and revert the charges back to me. 
I'm not sure why they don't understand that I didn't give my card details nor authorized these charges. XXXX scammer was able to charge my AMEX card through airline reservation details. These are fraud charges and they need to be removed from my account. I'm retired and can't afford to pay these charges that weren't made by me! I'm begging CFPB to save me from these fraud charges!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-21
Company: CCF Intermediate Holdings LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I opened this loan and was paying it back in installments every 2 weeks. I fell upon hard times and had to stop paying. My roommate left me high and dry and had to full rent on my own. I tried to make arrangements with them but I couldnt afford what they were offering. Id be paying for the rest of my life with the interest rate they charge with the amount that I can afford to pay. Im afraid that theyre going to take me to court or empty my bank account to recover their funds. Im not refusing to pay. I just cant afford to pay what they are proposing which is what Im behind on which is over {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX accordance with the fair credit Reporting act XXXX BANK ACCOUNT NUMBER 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 any purpose.

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