BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
Company: CITIBANK, N.A.
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:
I opened an account online with Citibank on XX/XX/22 before I even received the banking documents/card in the mail the account had been compromised. On XX/XX/22 someone credited by account for 2 minimal transactions totaling XXXX cents. The following day a debit was made for XXXX  ( which i have since learned is cryptocurrency ). Over the next five days numerous transactions kept getting debited for XXXX  in escalating amounts, which Citibank allowed and didnt think was a red flag! The total amount fraudulently is {$3400.00}. I then received a letter advising my account was closed so I went into the local brank located XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to find out what was going on ( as at time I had no knowledge of any account activity ). A banker assisted me in opening a case. I was provided case # XXXX. Further, I was also told an investigation would be opened at that I need to contact the local police and credit card bureau, which I did. I also have notified the FTC and the Internet Crime Complaint Center. Additionally, I attempted to reach out to XXXX however they dont have live help an can only notify them online which I did. To date I have yet to receive the fraudulently taken funds which Citibank allowed on this account. I have reached out NUMEROUS TIMES via in person and on the phone and have a long trail of same and keep getting passed in a circle of abyss where no one can help me ( the branch will refer me to the fraud dept, the fraud dept refers me to the Account Takeover Dept who then refers me bank to the branch and all are utterly useless and have no clue or flat out lie! ). Today was the final straw. After spending an 1.5 hours on the phone ( for the 4th day ) I was told to go into a branch and hung up on when I asked for a supervisor concerning status. I then went into the local branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was rudely advised by manager, XXXX XXXX XXXX XXXX XXXX ( who would not provide me with her business card ) that there is no investigation, there never will be and they dont have to do anything, tell me anything or refund me my money! If I dont like it sue them! She further would not give me any contact information for anyone that could assist or of corporate.

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 2018-08-28
Company: Experian Information Solutions Inc.
State: LA
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:
A collection company with an unknown date reported some payday loan or something that is not mine to XXXX, Experian, and XXXX on XX/XX/XXXX. I filed a complaint with all three credit reporting agencies with supporting documentation and XXXX is the ONLY one that removed it because my documentation proved that 1 ) my name did not match the name on what they have 2 ) XXXX XXXX has ZERO documentation 3 ) they harassed my parents back in XX/XX/XXXX when I did not even live at whatever address they HAVE LISTED 4 ) I was living in XXXX XXXX 5 ) I had already reported case of identity theft by that time 5 ) now its been over 30 days with ZERO response by such company XXXX XXXX and XXXX  and Experian have yet to remove it while it still lowers my credit score. I AM BEYOND LIVID

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 2023-11-25
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I previously filed a complaint through the CFPB in XXXX of this year concerning credit acceptance and my account and extra fees that I was unaware of the fact that I told the car lot I didn't want the extra service plan it was in fact still charged to me in the amount of XXXX Credit Acceptance has since offered a settlement of XXXX dollars I feel considering I refused the extra service plan and was still charged for it I feel the settlement is unfair considering all the money in interest that Credit Acceptance made off the extra XXXX service plan I didn't agree to I would also want them to produce the original paper contract that has my wet signature agreeing to the extra service plan.I feel this loan should at the very least be closed and settled for zero, I feel as though I am one of many that Credit Acceptance in partnership with car lots do this bait and switch with the service contract to people who refuse this extra plan it's misleading and or fraudulent and designed to be financially damaging to the people who can afford it the least, and if they can't produce my wet signature on the extra service plan I should be reimbursed the XXXX and I feel like I want to see if it was forged and what point was it added because I never agreed to it at this point I have also been advised to seek out a consumer law attorney in this matter but I am hoping the CFPB can help me.

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 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXXXXXX XXXX XXXX XXXX XXXX$1400.00} XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX Bankruptcy : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy : 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 2018-08-28
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I contacted XXXX XXXX on Friday, XX/XX/2018 to inform them that my payment in the amount of $ XXXX will be postponed due to a financial setback and that payment would be remitted during the month of XX/XX/XXXX. The representative was combative and said that if a payment was not rendered prior to XX/XX/XXXX that it would be reported to credit bureau. I apologized and indicated it is unfortunate but there was no way payment could be made at that time.

Today, I noticed that they went ahead and processed this payment without my authorization which created an overdraft in my checking account. XXXX XXXX did not have authorization to withdraw this amount from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I had a credit card with HSBC in XXXX. I had a purchase on the card for {$1200.00} at furniture store in XXXX, WA. I had lost contact with them until XXXX. They started calling stating this debt and began threatening court procedures and possible arrest. I spoke with a gentleman in XXXX an informed him I was on XXXX XXXX from a near fatal car accident. This man stated he could and would write the debt off which was now around {$3000.00}. 
I never heard anything until after covid..They have and continue to call my family members. I have reached out a handful of times via phone stating this debt was supposedly wrote off in XXXX and to stop contacting my family members and myself. I have stated I will contact the FTC and file a complaint and After several months of them knowing my physical address and stating they have sent individuals with legal papers to sign and or receive..I have not seen or heard of any such person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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: Information belongs to someone else

Complaint:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-09-29
Company: Volvo Car Financial Services U.S., LLC
State: PA
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:
Volvo Car Financial Services has charged off an account that was never delinquent and in voluntary forbearance and covered by the reporting regulations within section 4021 of the CARES Act. 

The account was opened for " excess millage '' from a previous leased vehicle. The lease was returned in XX/XX/XXXX ( XX/XX/XXXX ) but the account stayed open to cover the above referenced charges. Volvo Car Financial Services, a company we have been doing business with for many years and continue to do so today, placed this account into a voluntary forbearance due to the Covid-19 crisis and then abruptly changed the accounts reported status to " Charged-Off '' in XXXX ( XX/XX/XXXX ). 

In XXXX ( XX/XX/XXXX ) when these changes were noticed we contacted Volvo Car Financial Services to inquire about the status change. We were told by Volvo Car Financial Services that they were not aware of any changes to credit reporting requirements within the CARES act and thus " had the freedom to charge-off and report any account they deemed delinquent ''. 

Again, this account was never reported as delinquent and was reported as " current '' and " paid as agreed '' from XX/XX/XXXX to the time of charge-off in XX/XX/XXXX. 

Also in XXXX ( XX/XX/XXXX ) a dispute was opened with XXXX to further attempt to rectify this situation. The results of the dispute found in favor of Volvo Car Financial Services and a reinvestigation was denied. We have since attempted to contact Volvo Car Financial Services multiple times and have been hung up on or transferred endlessly through a never ending stream of representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have attempted several times to dispute addresses on my account that I have not lived at and are not addresses that are mine or that I receive mail to. They are fraudulent addresses. 

I spoke to Experian multiple times and they refuse to delete the inaccurate addresses. I just spoke to someone in special handling that stated his name was XXXX XXXX but I dont believe that was his name and I think he gave me a fraudulent name. I explain that these are not my address is that I have given them identifying information for myself including my drivers license and Social Security card and a letter disputing these addresses several times already and that I am being blocked from disputing them which Im including in my upload here. He told me that he does see that these are fraudulent addresses and he cant remove them. I explained that according to the FCRA that the addresses have to be deliverable to me via XXXX XXXX XXXX addresses are not deliverable to me and fraudulent. He kept giving me a bunch of filler conversation over and over and wouldnt transfer me to a supervisor or give me a direct answer on why these addresses are on my credit report inaccurately and that he even acknowledged them as fraudulent and told me he was unable to dispute fraudulent information. This is a violation of FCRA 623. This behavior is willful and malicious to report acknowledged fraudulent information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
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: Investigation took more than 30 days

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2022-04-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
I'm asking for your help with this complaint because I'm having a problem trying to get a refund of a stolen money order from XXXX XXXX XXXX XXXX, Check Cashing. I put in a complaint with the XXXX Department of Finance Service, who contacted XXXX. We received a letter letting us know Chase would be the persons to contact, because they're the ones who cashed the Money Order. So, I was told by the XXXX to send a complaint to Consumer Financial Protection Bureau, because you handle Banks. 
Thank you. 

See the letter below of the whole complaint : I live in XXXX New York and the money order I brought from XXXX for my XX/XX/XXXX rent was stolen in route to the rent office and cashed. The amount was for {XXXX} I went and got a copy of the washed money order, got a police report and filled out a Affidavit of Forgery or Alteration. And had that form notarized. They didnt start the process until XXXX of XXXX, because they said the paperwork that was first sent in was not complete, so I resent the paperwork, called to see if it was received and if it was correct, and was assured it was. Over time I called and talked to many different people at their headquarters in XXXX. I even called the Bank XXXX works with on these matters, ( XXXX XXXX XXXX ) and Chase, the bank where the money order was cash. When I spoke to Chase, they said they were unable to provide me with any information because I did not have an account with them. And the only answer I'm getting from XXXX to date is, " the affidavit is pending ''. The last pending date was XX/XX/XXXX. When I asked them why, and what's the hold up, I get no reasoning or answers to why it's still pending. The address I was told to send the paperwork to is XXXX XXXX XXXX XXXX XXXX attn Money order dept. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Il XXXX. The last person I spoke with is the supervisor, XXXX XXXX of the Affidavit Department, phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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:
I write to you today regarding XXXX XXXX two reports of my past due payments to credit reporting agencies. 
I previously held a credit card associated with XXXX XXXX XXXX ending XXXX. During this time, I paid off my credit card debt in full every month. In XX/XX/, my account experienced fraud ; fraud which I promptly reported to the bank. Charges during the period were refunded pending investigation. In XX/XX/XXXX XXXX I paid the balance in full and closed the account. Months later, XXXX finished their fraud investigation and placed legitimate charges back onto the account, then closed the card again. I did not know that this occurred. Upon learning of the charges ( less than {$200.00} I believe ), I promptly paid the charges through a telephone customer service agent ( I was unable to access the account online due to the account being closed. My attempts to contact XXXX Customer Service failed on multiple occasions due to their lack of late-night phone customer service access-times during which I was awake as I work nights. )

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 2021-05-16
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had a loan of {$3000.00}, from the company name Loan Me XXXX XXXX. XXXX XXXX XXXX, CA XXXX was discharged on or about XX/XX/XXXX on my Bankruptcy XXXX XXXX case. 

On or about XX/XX/XXXX, Loan Me company opened up new loan in the amount of {$3000.00}, for my wife and myself. 
This above mentioned loan were never open and applied in my name and my wife. 
On or about XX/XX/XXXX, Loan Me company billing statement stating that we owed a past due in the amount of {$15000.00}. 
On or about XX/XX/XXXX, Loan Me company stated that we owed them a payoff in the amount of {$16000.00}. 

The above loan amount must never be in our name and must never be subjected for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: FISERV INC.
State: VA
Product: Prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have a work card through money network. on the week of XX/XX/23. I could not access my account. Once I was able to contact customer service and get into account, I noticed {$2000.00} was missing. It appears someone hacked into my bank account and stole my money. Money network says they can not help.I did not authorize this bank transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
BELOW INQUIRIES WERE DONE ON DATES STARTING IN XXXX AND CONTINUING UNTIL XXXX XXXX. I DID NOT AUTHORIZE ANY OF THESE DURING THESE TIMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation