BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-07
Company: Comerica
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
As of XX/XX/XXXX, it was XXXX in my account on direct express from ssi. I called on 6 I was told that someone had my information and made purchases. I was transferred to someone else who was to start the refund process. I was on hold for a hour then the phone disconnected. I called 3 more times and each time phone was disconnected. It sounded like someone picked up and hung rite up again.Ok called today I canceled the old card and had them issue another card. That person transferred me to someone's else who told me to go back to main menu reenter my ss number. Because the old card was canceled all they say was I get a new card in 7 to 10 days call disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I totaled my car in XX/XX/XXXX. I purchased GAP insurance along with the XXXX XXXX. I was informed that the GAP insurance would pay off the note in full. A GAP insurance payment was made in the amount of {$4600.00} in XX/XX/XXXX, which left an outstanding balance of {$500.00}. On XX/XX/XXXX, I was notified of the outstanding balance, this was the first notification I received. I paid the account in full upon receipt of the outstanding statement. I was unaware of the outstanding balance until the statement was received. Respectfully, please remove the thirty day lates reported on this account that have been reported to XXXX, XXXX, and 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 2018-10-22
Company: Experian Information Solutions Inc.
State: NM
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 and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to 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 2020-09-21
Company: Experian Information Solutions Inc.
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have tried in the past with Experion and I see that it has XXXX came back up recently multiple people are using my identity for different reasons I dont know what else to do I will place it in some type of mental game called a XXXX XXXX. This performed by XXXX XXXX XXXX star sororities and fraternities and other organizations to be scared into letting other people use me and my identity I dont know what else to do really I need somebody to help me. I have lived XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the past two years and I also have a pass police report of me filing charges on my oldest sister for identity false pretense but they did not gone proceed with the charges I did not get any answers or anything they are within the same organization and they turned on me. I will contact the local authorities again and the FBI this time doing a fingerprint identity analysis I have never worked at XXXX I think somebody had put my name on some type of pay out a cashiers check or something or insurance fraud a long time ago and they are drawing this money. I have my membership ID number from Experion I also I just booted the address is in the false names that was given I am not XXXX I do not know any other addresses except for three of them and the rest of them are fraudulent and I do want to pursue with the charges on every last one.

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 2022-02-12
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Recently I, XXXX XXXX, was denied an extension of credit card by Navy Federal Credit Union. On XXXX XXXX, 2022 I applied for a cashRewards XXXX in good faith 15 U.S C 1691 ( a ) ( 3 ).

As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and assume civil liability pursuant 15 U.S Code 1691 ( K ). Navy Federal Credit Union has violated my federal protection consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Despite several years of complaints, Citizens bank refuses to update the security level of their online banking systems to the current century. While most, if not all, financial institutions enforce complex passwords with special characters and offer, if not require, 2-steps authentication, Citizens forbids the creation of secure passwords by refusing to allow special characters during password creation or update. This results in either weak passwords or passwords over 25 or 30 characters long, which are impossible to remember. There also does not seem to be a way to enable 2-steps authentication. This kind of criminal negligence puts my money and the money of each and every one of their personal and business customers at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-13
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: Account status incorrect

Complaint:
This is XXXX XXXX please 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 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 2018-04-10
Company: SYNCHRONY FINANCIAL
State: MO
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:
I have recently obtained a copy of my credit bureau XXXX credit report. It showed an inquiry by your company that I do not recall authorizing. It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so.

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 2021-06-22
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had applied to the City of XXXX for a tax deferral. I was found eligible and was sent the paperwork to process my eligibility by the city. A letter needed to be signed by Chase as my taxes were paid by them through escrow included with my monthly mortgage payment.. When I reached out to them, I was told they could not sign the letter of permission because my taxes were escrowed and paid with my mortgage payment. I looked further into this situation and was told by Chase that my taxes did not need to be escrowed and they were willing to unescrow the tax portion of my monthly mortgage payment. I reached out to Chase again, requesting they sign the form since they no longer need to escrow my taxes. They said no, it is not their policy, with no further explanation when I inquired. 

As a recent widow, finances have been a struggle for me. The help that having my City of XXXX taxes deferred could provide me would make a great difference in my ability to manage my finances. I had been told by a City of XXXX employee that other households in XXXX that have mortgages from Chase have received permission from Chase to have their taxes deferred. Any help you could be to me to remedy this situation would be greatly appreciated. I am available to answer any question or provide further details as needed. 

I am attaching the following dated documents : 1 ) XX/XX/XXXX Notification from the City of XXXX - letter of eligibility and requirement for signature of document- by Chase specifically 2 ) XX/XX/XXXX Letter from Chase that they will not comply with request for deferral of taxes 3 ) XX/XX/XXXX Official letter from Chase adding my name to loan as a successor in interest after my husband passed away.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: UT
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:
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 15 days. 
See the documents attached.

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 2022-02-12
Company: AMERICAN EXPRESS COMPANY
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
New Amex XXXX XXXX card is opened in the month of XXXX. There is a promo to spend XXXX $ in the first 90 days or so. After some purchases, I am issued XXXX points and when I had a conversation at some point, I am told points were issues as I met the criteria of purchases. There is some cancellation within a couple of purchases because of the covid situation. After 4 months, Amex came back and reverted the reward points for the reason that I didn't meet criteria for spending in the first three months. When I didn't meet the criteria as I return the purchase, I shouldn't be awarded points in the first place. After 4 months coming and reverting back points, it is the right practice. It is totally deceiving customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: CarMax, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/XXXX, I hand wrote a Affidavit of Truth to dispute my account with CarMax auto finance identifying in two exhibits ( a late payment letter and a voicemail they left on my cellphone ) with the violations according to the Federal Laws found in the Fair Debt Collection Act. I mailed the letter off off on Friday XX/XX/2021 certified mail. I called CarMax Auto Finance in an attempt to confirm that to got my letter and to discuss the remedies I asked for as a consumer invoking his right. No one at the finance office or the corporate office were able to answer an of my questions and refused to engage the conversation when I brought up the Federal Laws found in the Fair Debt Collection Act or when I asked to be put through to legal for them to answer my questions. I was told that I only my attorney or lawyer can speak to the legal department of CarMax Auto Finance. Even though I informed the representatives that I invoking my XXXX given right as a natural person to represent myself in this case, I was denied a direct line of communication to the legal department. In the past couple of days I have called numerous time and I have not been satisfied with the responses I have gotten from the representatives and managers at CarMax Auto Finance and the CarMax Corporate office. Along with illegally repossessing my truck on Tuesday XX/XX/2021, I was threatened by CarMax Auto Finance they if I dont pay the late fees and repossession fee, my truck will be up for auction in 17 days after the repossession. If sold I will be liable for the truck payments still. Another violation under 15 USC 1692F ( 6 ) ( A ). Which states taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; I also have a slue of other violations that this company as acted on against and will like help in fixing my credit report and being an example of others who have being violated by CarMax Auto Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter from Chase saying they were closing my account on XX/XX/XXXX. I had signed up for a {$900.00} account bonus in XXXX and was supposed to receive the bonus on XX/XX/XXXX for meeting all the criteria. This was a bait and switch and now they are refusing to give me the bonus and are closing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: EQUIFAX, INC.
State: VA
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:
XXXX   XXXX  SS #  XXXX  dob  XXXX / XXXX /  XXXX     XXXX   XXXX   XXXX    XXXX  VA  XXXX   XXXX , Equifax and   XXXX   will not correct my   XXXX   XXXX   account The credit limit is not correct and the balance is not correct the Credit limit is {$10000.00} and balance is  XXXX  see attached docs please update and correct my credit limit to {$10000.00} and my balance to  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Equifax is reporting the following items inaccurately. This violates the FCRA. If I must, I will take legal action if they are not responsive to you but I want to create a paper trail. 

XXXX XXXX what bankruptcy XXXX XXXX XXXX what bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT #  XXXX opened on XX/XX/2019 with a balance of {$3000.00} -This is not my account.

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 2023-11-10
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please review the documents attached. I am requesting the bureau to initiate an investigation into these accounts, as they incorrectly report me as late, despite my consistent punctuality.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11
Company: EQUIFAX, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2023 I mailed a letter to all 3 credit bureaus informing that the XXXX XXXX XXXX has expired and I would like all of the items included in the XXXX XXXX deleted as well as the XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is XXXX XXXX please 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 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 2017-05-11
Company: EQUIFAX, INC.
State: SC
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:
I do n't recognize inquiries on all  XXXX  credit burea I filed on  XXXX   XXXX  and  XXXX   XXXX  have not applied for anything on fix income spoke with all  XXXX  bureau or company and nothing is done they continue to say it 's not there problem that a inquiry is facts and thats not correct I 'm just tired of trying to get this correct and no one wants to help me please help me I am trying my best  XXXX  bless you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: M.L. Zager P.C.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/22 ML Zager P.C made an unauthorized and unlawful hard credit inquiry that negatively affected my credit score with all three credit bureaus. At no point in time did I, XXXX XXXX XXXX give them authorization to use my full name, date of birth, and social security number. I called their office at XXXX XXXX, XXXX XXXX XXXX, and a person there was very rude and unprofessional with me and said that I was making threats to file a complaint with the FTC. All of which is well within my rights to protect my personal private information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: Spring Oaks Capital, LLC
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:
Credit card companies sold off my account to collection agencies which is against the law and some of these accounts are over 3 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: ProCollect, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
PROCOLLECT INC # XXXXhave a a unverified account from PROCOLLECT INC . I had previously disputed this account. I have never done business with PROCOLLECT INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PROCOLLECT INC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PROCOLLECT INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt. I need a physical copy for my records a contract, proof of claim, or any signed documentation for my review.

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 2018-07-26
Company: FIRST ADVANTAGE CORPORATION
State: CA
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: Old information reappears or never goes away

Complaint:
A violation of parole was listed on my criminal report for an original case dated back over 8 years ago - the case is not of its own it is tied to the original so reporting it was outside of the California 7 year reporting limit law

Company response to consumer: Closed with explanation