BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 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 2021-06-10
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
$ XXXX Email : XXXX Someone withdrawn XXXX dollars from my cash card unauthorized it was reported to the place that it happened which also got the police involved who advised me to dispute the charges and this company refused to refund me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please see attached letters for detailed breakdown down of complaint. Anytime a charge off is reported it is now becomes income. Therefore it should not be reported on my consumer report. 15 USC 1681e-b Compliance and procedure states that the reporting company must maximum accuracy when reporting.

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 2023-01-06
Company: EQUIFAX, 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:
THE ITEMS BELOW ARE INSTANCES OF IDENTITY THEFT I DID NOT AUTHORIZE THESE ACCOUNTS. 
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
Consumer complaint received 2021-03-26
Company: VW Credit
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
On XXXX XX/XX/XXXX my wife and I purchased a new Volkswagen XXXX  XXXX  from XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, VA XXXX. At the time of the purchase my wife an I purchased the GAP insurance product for {$790.00} which was added to the total amount financed for the car. 
Today, XXXX XX/XX/XXXX, I went in to the dealership to request a pro-rated refund on the GAP policy as my wife an I no longer need the protection. I spoke with one of the finance managers who attempted to look the policy up on the insurance company 's ( XXXX XXXX XXXX XXXX ) website but could not locate the policy using the policy number on our GAP policy paperwork. The finance guy then called XXXX and spoke to a rep with the phone on speaker-phone. When asked why the policy wasn't coming up on the website the rep stated, " The paperwork for that policy was never submitted. '' The fincance guy then ended the call and I told him that didn't make sense as I had the policy paperwork in my hand and my purchase contract ( at home ) had the GAP policy on it. The finance guy then printed out a copy of the purchase contract from their archive system. The document he printed did not have the GAP insurance on it. He stated that my wife an I must have declined the coverage but did not have an answer when I asked him why I would have the GAP policy document signed by us and the dealer rep if we had declined the policy. 
I left and went home and looked at my paperwork. The GAP policy is listed on our purchase contract, which by the way is the real and legitimate paperwork. 
What has, obviously, happened is that someone at the dealership created a fake sales contract which omitted the GAP insurance and filed that contract in their system, never submitted the paperwork to XXXX to initiate the policy, and pocketed the {$790.00} premium we paid for the GAP policy. 
This is larceny and insurance fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: WELLS FARGO & COMPANY
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
The loan was paid off in XX/XX/2011, but Wells fargo illegally applied the loan in payments instead of as a payoff. I have proven this to the credit agencies and had it removed. I have also sent in XXXX  paperwork to try to get them to leave me alone, but they continue to call on my non-profit phone number. They will not leave me alone, and they allowed my father, a man that is 26 years older than I am to access my account information in XX/XX/2011 to give him the payoff amount. 
So, they illegally allowed my father to access the account for the payoff, then he paid it off because my grandmother was a co-signer ( she gave him the money ), when I was already on XXXX  and had applied for XXXX  discharge, took the payoff, applied it in payments instead of as a payoff so they could accrue interest, and are now harassing me incessantly over illegal accrual of interest. Someone has to stop this crooked company. I am only one person, and they refuse to correct their errors. There is no way for anyone to fight them.

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 2023-05-30
Company: EQUIFAX, 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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31
Company: TRUIST FINANCIAL CORPORATION
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:
Hello I recently found out about being in XXXX XXXX I've never had an over draft also not for this bank, I can't open a bank account previously I've had accounts close with banks telling me it's for my protecting my identity which was strange, so I recently pulled my report an overdraft for sun trust bank for over 1200 dollars how's that even possible I receive disability this happened in 2018 I'm just finding out also I've made a police report my identity has been stolen in XXXX XXXX XXXX XXXX  and XXXX XXXX my child support and disability was stolen recently also police report is with XXXX police dept in Florida

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 2019-08-15
Company: Selip & Stylianou, LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
This following matter is in regards to the company of Selip & Stylianou , LLP. 

I have called Mr.XXXX XXXX at ext. XXXX on XX/XX/2019. He was very pleasant and courteous. My bank account has been completely frozen and I have been charged a fee of {$100.00}. As I have told Mr. XXXX I am unable to pay the balance of {$3700.00}. I do not have sufficient funds in my account. According to The Exempt Income Protection Act of 2009 the first {$1700.00} of my account can not be frozen. As such they are illegally trying to extract money from me as well as illegally   freezing my account. I have posted a message on their website ( they do not have an e-mail address ) with the above information. I am ready to take legal action if my account is not freed and the fee of {$100.00} is not credited to my account. If my account is freed and I am reimbursed the {$100.00} charged to me I will not seek legal action. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
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: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2017-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital one changed my due date twice apparently because I changed addresses which makes no sense because my physical location has no bearing on me making payments. They did it once when I updated my address from my brothers house in California to an apartment XXXX miles away and again when I moved XXXX miles to a new apartment in California. Funny part is my date did not change when I updated it to reflect my move from Maryland to California. It was changed from the XXXX of the month to the XXXX in XXXX of XXXX and it then changed again to the XXXX of the month in XXXX XXXX. 

So why change it when I moved within a state less than XXXX miles from location to location yet when I changed states it was not changed. 

Capital one sends me an email if you pay your bill why not send you a notice to ensure you know that your payment date has changed. Also capital one has removed their online messaging system making it so that you have to take time out of your day to call them instead of being able to send a quick secure online message through their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
On or about XX/XX/XXXX, my card was posted with the following fraudulent charges : XX/XX/XXXX XXXX Other Services ... XXXX {$370.00} XX/XX/XXXX XXXX Other ... XXXX {$83.00} XX/XX/XXXX XXXX Other Services ... XXXX {$25.00} CapitalOne handled this very well in detecting the above as fraud. Sent me a new card, so on and so forth. 

Today I found the following fraudulent charge - keep in mind this is on a new credit card number that I haven't actually used yet - there is no possible way for someone to have stolen this number, so CapitalOne had to be the one to give them the card number for the fraudulent charge : XX/XX/XXXX XXXX Other Services ... XXXX {$22.00} I reported it as fraud. No response from CapitalOne. I called their call center. I'm then greeted with a frustrating IVR system and a customer service rep who deliberately manufactured static on the line while ignoring me for two minutes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/18 at XXXX XXXX I transferred {$120.00} using XXXX through my bank account ( USAA ) for a concert ticket to XXXX XXXX XXXX and never heard from him again. Contact my back ( USAA ) for a refund they submitted a request for refund to his bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: AFNI INC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter in the mail today from a company called afni, attempting to collect {$86.00} on behalf of XXXX XXXX XXXX. They just keep selling this balance to a new collection agency and I keep disputing. I win the dispute and then find out it's been sold to another company. THIS SHOULD BE ILLEGAL! 

When I was with XXXX XXXX XXXX, I did NOT have the service I was paying for. I run an online business from my phone and was not getting internet service. If you review my records with XXXX XXXX XXXX, you will see that I called them MULTIPLE times, saying that I could not work like this, without the internet working. 

Also, before even signing up for XXXX XXXX XXXX, I went into an XXXX XXXX XXXX store and a sales representative quoted me for a monthly service, after we discussed plan options. He wrote the monthly amount on the back of his business card for the plan we decided upon, but I told him I would think it over and come back the next day. ( I was with my previous company for 15 years. ) I DID go back the next day and was told that the promotional plan rate we talked about had ended -- but not to worry! I could sign up, and then call customer service and they'd honor it because I had just been in the store. Well, guess what? That did not happen! They did not honor the agreed on monthly amount that I signed up for! So, also look at my account for that. I called on DAY ONE! 

I am tired of huge companies like this being bullies, changing things, and not caring at all about the violation. It's wrong! Why should I have to pay for ( 1 ) a price offered that was not honored and ( 2 ) I did not even receive the service that was to be included in the plan! 

The collection agency told me I could " just pay {$50.00} '' to make sure it " didn't get on my credit bureau '' but that too should be illegal! Why should I have to pay a single XXXX to avoid having something put on my credit bureau that I don't owe, under a company that used misleading tactics and didn't provide the service they provided? 

Also, once a dispute has been determined to NOT be owed, why is it allowed to then be passed on to another collection agency?!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: MoneyLion Inc.
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 information incorrect

Complaint:
On XX/XX/19 I filed Chapter XXXX Bankruptcy. On XX/XX/19 it was XXXX. Included in this bankruptcy was a small dollar loan from MoneyLion. Since the discharge they have continued to willfully post incorrect information on my credit report. I contacted them and received a call back from a supervisor who took all of my bankruptcy information and assured me it would be fixed. However, it was not. The account was updated with the status showing as " paid-less than full/settlement '' and still shows a balance. Per federal bankruptcy laws this account should show as closed, XXXX balance, and as XXXX in Chapter XXXX. 

This is the 3rd time I've had to ask them to correct information. They have the correct information, they just continue to post false information purposefully. 

I've exhausted every avenue with them to get them to post the information correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: EQUIFAX, 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:
Two large issues. 
First, my brother and I have the same initials and our social security number are off by one digit. Equifax combined us into one person. 

Second, in like XXXX or XXXX my identity was stolen, and my mailing address was forwarded fraudulently, and equifax still lists that as one of my addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I've gotten some suspicious calls and suspect my identity 's been stolen. So, I decided to freeze my credit. I followed the link on the FTC 's website ( https : //www.consumer.ftc.govXXXX XXXX XXXX  ) for this and completed Equifax 's online form. I provided some information, but they said it was incorrect and asked me to call a phone number. 

When I called the number, I wasn't able to speak to a person. The phone message asked me to mail proof of identity to a PO Box but didn't provide any instructions on what to send. 

I then chatted with a customer service rep who gave me this website which just pointed me to phone numbers and sites that I'd already unsuccessfully tried.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: SYNCHRONY FINANCIAL
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Care Credit has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2019-08-15
Company: Experian Information Solutions Inc.
State: OH
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 have requested proper legal documentation from XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX # XXXX .XXXX XXXX XXXX   XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX {$690.00}. and {$520.00}.. I HAVE NEVER HAD ANY ACCOUNTS FOR BUSINESS WITH THEM AND I HAVE YET TO RECEIVE ANYTHING THAT SHOWS THEY ARE IN COMPLIANCE WITH FEDERAL AND STATE LAWS FCRA OR FDCPA, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts SECTION ( C ) AND SUBSECTION ( 3 ) I HAVE HAD SEVERAL DUBIOUS AND  FRAUDULENT CLAIMS FROM FAKE COMPANIES IN THE PAST AND I DO NO WISH TO BE A VICTIM AGAIN. I NEED THIS ACCOUNT DELETED ASAP. I HAVE FILE A COMPLAINT WITH THE CFPB AND LOCAL XXXX POLICE DEPT

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 2021-03-26
Company: CCM Finance LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My vehicle was repossessed due to failure to make payments for a separate insurance coverage that I declined from the the begging of the contract. I have been covered by XXXX 3+years I stated from the beginning I didnt need the CPI. So how is my vehicle being repossessed for failure to pay for a service that I declined? I tried for 3 days to speak with management. When I finally was able to speak to someone I was simply told my car was gone and there was nothing to be done and hung up on. I was never offered the opportunity to pay the loan off in full. XXXX XXXX refused to even look into the details or notes on my account. I told him these discrepancies were the fault of the XXXX employee that assisted me XX/XX/2021 He stated No comment and disconnected the call. If he had simply read the notes of the account it would be obvious that I am not behind in payments because I didnt ever need the CPI and the failure for them to enroll me in autopay is not my fault. They also shared supposedly secure information with someone that is not on my account. On XX/XX/XXXX. I made a payment towards my loan XX/XX/2021 they requested a copy of the declaration letter from XXXX for my policy which I promptly emailed when I got home as theyd contacted me while driving. I dont understand how is it that I am 3 payments behind? The one payment missed on XX/XX/2021 ( they never made any attempt to contact or collect the payment ) was due to them failing to enroll me in autopay on the eighth. This in entirely their fault and now theyre attempting to steal my down payment and ruin my credit history. I financed the vehicle XX/XX/2021 my car was repossessed XX/XX/2021 roughly a few weeks. How exactly is it even possible for me to be 3 payments behind? They are attempting to add fraudulent charges to my account in order to terminate the loan. They have even called and spoken with a XXXX representative who verified my coverage prior to finance. If I made a payment XX/XX/2021 and my account was in good standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My bank did a temporary credit reversal of {$990.00} and Bank of America didnt have any answers as to why they did this

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