BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-26
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019 my checking account with Navy Federal was compromised and an ACH transfer in the amount of {$2500.00} was completed without my knowledge or authorization. As soon as i was aware of this i reported this to my bank and created a claim which was submitted on XX/XX/2019. I was informed that within 10 business days i would be contacted by an investigator who is working on the case. It has since been 13 business days and i have not been contacted by anyone from the organization. After following multiple times and again today XX/XX/2019 i was told that they are just backed up and no one will be able to give me any updates or a time frame of when my case will be completed. They've acknowledge that it is past the time that an update should've been provided but can't give me one. I was told that i will not hear from anyone until this is completely resolved, i still have bills and financial obligations and not knowing when to expect this to be resolved is causing lot of grief and stress to my family. I need to have an update or to be sure that the case is being worked. The funds were transferred to a XXXX XXXX account and they have the information. I don't know what else they are waiting for. I'm unable to speak to manager when i request one so this is my next step to ensure that something is being done to resolve this. I'm not having a XX/XX/XXXX this year but hopefully this can be resolved soon so my family can at least have a XX/XX/XXXX and avoid eviction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: ALLY FINANCIAL INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt was removed or discharged as paid in full / error but is still on credit report after receiving documentation that there was an error and account was deleted.

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 2022-07-12
Company: DISCOVER BANK
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The name of my XXXX  is XXXX XXXX XXXX XXXX We are a XXXX  accepting credit cards as a form of payment for merchandise purchased from our store at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX We are not the cardholder in this case, but the merchant that was paid by a Discover card holder for a XXXX watch that was purchased on XX/XX/2022. In XXXX 2022, we have received a debit from our checking account concerning a dispute raised on a Discover card transaction that was paid to our business. The amount of the debit was for {$3300.00}. The dispute was without merit as this was a card present transaction using the CHIP at our card terminal and the cardholder took possession of the XXXX at the point of sale. We provided all documentation to Discover, and while Discover closed one dispute in our favor, on the other, they credited the cardholder without merit. Sometime in late XXXX, I think it was on the XXXX, we met the cardholder in our store and actually contacted Discover by phone in front of us to confirm that he transaction was valid and that the dispute should be canceled. After the customer spoke to Discover, the customer handed over the phone to me and the Discover agent confirmed to me that Discover will submit the case for correction and that I should expect a credit to my checking account shortly thereafter. The Discover agent also provided me a case # XXXX. However, it has been over 2 months since that promise of credit and my account has still not been credited for this invalid debit. When I contacted the customer, the customer screams that he informed Discover to return the funds to me and that hes not going to pay twice after he already paid Discover. Please look in to this matter as it appears Discover is holding my money after failing to return my money to me. In any event, this dispute was without merit and Discover has debited our account and credited the cardholder without any valid legal basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: DISCOVER BANK
State: NJ
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:
Even though I had 0 % credit usage on the card, Discover closed my account on XX/XX/2019. Before closing my account they did not notify me why or even tell me. This closed account has led me to have a lower credit score, and stopping me from continuing my relationship with Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: EQUIFAX, INC.
State: MA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have credit inquiries that were made during the same day and I only allowed one per day. I only signed for one application. I need your help in deleting the unauthorized hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: WA
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: Was not notified of investigation status or results

Complaint:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

Equifax is simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: IN
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:
I was part of the Equifax security breach. Equifax did n't take the proper steps to insure their " customers '' information was secured. After the cyberattack, Equifax tried to dupe effected customers into signing up for " XXXX '' which waives any rights to sue Equifax or be a part of a class action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: WA
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:
I was notified on X/X/2017 that my equifax SSN, DOB, address, and more have been included in the recent hack into their system. I registered for credit reporting through equifax that states it will begin monitoring for 12 months starting X/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: PR
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:
I was affected by the 2017 Equifax hack. I checked on the website  and it told me that : "Based on the information provided, we believe that your personal information may have been impacted by this incident."

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I was affected by the Equifax hack that occurred in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of 2017 and widely reported on X/X/17. I have used the site Equifax set up to identify if your information was compromised ( that 's www.equifaxsecurity2017.com ) and was given a message that confirmed my personal details may have been leaked. I am using Equifax 's complimentary ID theft detection offered through said website via XXXX, and have already put a 90-day fraud alert on my credit reports. That said, the fact that this data breach happened at all is a company wide failure, and further action should be taken by CFPB to ensure higher protection standards for personal information and a clear account of how this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
Equifax Mishandled my information, this puts ma and 143 million other people at a high risk. I was listed as a potential victim according to their equifaxsecurity2017.com website.
Lastly, Equifax did not notify anyone quickly enough. Over a month has passed since this breach and he just heard about it on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
My financial information has been identified as being part of the data hacked from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MA
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:
Equifax recently was hacked resulting in the leaking of nearly 150 million Americans ' credit info, including my own potentially. This is a HUGE issue, not only because of the scope of the hack but because of how deeply we rely on the credit bureaus to monitor our credit. For example, if you 're a person who wants to buy a home someday, unless you 're wealthy, you rely on the credit bureaus for your credit rating to secure a loan. Our hands are completely tied, and we are forced to work with these companies and give them our sensitive information for presumed safekeeping.
An organization with this volume of sensitive data surely would keep this data secure and encrypted, one would think. However, this is not the case. Because of the reckless irresponsibility of an organization we have no choice but to let into our lives, our lives may be changed for the worse as hackers sell or use our personal data for their own gain. There are enough things working against us already ; we do n't need another complication. But now we have to be on guard for YEARS to make sure we are n't victims of identity fraud. I 'm fortunate enough that I know how to monitor my credit, but I 'll still have to deal with any abnormalities when they crop up, and I 'll never know when that could happen. So now I have to check in on my credit every month or so for an indefinite number of years just to make sure I do n't get exploited. 

Please, do everything in your power to ensure that something like this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On XX/XX/XXXX I reached out to Capital One Auto in regards to obtaining my title to refinance. The company stated there was no title on file. I purchased my car in XXXX of XXXX. I inquired why they would issue a loan if they did not have a physical title. No one knew the answer. I informed them I needed a copy of my title as I am entitled to it, in order to refinance my loan at a lower rate. I contacted them on XX/XX/XXXX and a rep stated they reached out to the car dealership and was looking into it. I called XX/XX/XXXX and a rep stated they have a copy of the title, but it would take some time switching the title from XXXX to XXXXXXXX XXXX. I also did not receive a copy of my loan terms in writing from the dealer of Capital One on XX/XX/XXXX when I financed the car. As of today, there has been no action taken by Capital One. However, I received an acknowledgement letter stating they are aware of my issue. They are dragging their feet with resolving my issue in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Mortgage Research Center, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My previous complaint # XXXX, was responded to as if they didn't know what my complaint was about, but I had complained to them twice before. They even indicated that they were unable to contact me. I failed to answer the phone because a voice mail message indicated it was the same person I had discussed the issue with before and I already knew his boiler plate response, " they did nothing wrong ''. In my complaint I failed to articulate my complaint as well as I should have. See letter to Credit Reporting agencies for better explanation. They simple told you that the item I had complained about was not on their credit reports and even provided new current reports, see attachments. However, they were aware, I had complained their service provided, '' Doing business as XXXX XXXX '', had listed my previous loan as late on six ( 6 ) occasions, which is simply erroneous reporting that I had requested they correct but they refused. As of yesterday, XX/XX/2022, XXXX XXXX, XXXXeterans United, are still falsely reporting my payment history.

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 2017-10-19
Company: EOS Holdings, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I lost my job in XXXX. XXXX XXXX put me in collection then and statute of limitations is almost up. My job loss led to poor credit. EOS CCA has stated debt began in XXXX in order to try and collect a debt. They are dishonest and unethical. Please fine them for their dishonesty under federal statute. 

XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: AMERICAN EXPRESS COMPANY
State: MN
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 applied for the XXXX XXXX XXXX XXXX from American Express on XXXX XXXX. 2017, and instantly approved. The promotion was to earn XXXX XXXX Honors Bonus Points after spending {$3000.00} in purchases on the Card within the first 3 months of Card Membership. Plus, earn a free weekend night award after the first anniversary of Card Membership. 

I met {$3000.00} spending requirement on XXXX XXXX. 2017. After the first statement was closed, I did not see the XXXX HH points in my account, so I contacted American Express customer service. They said it would take up to 4-6 weeks to get the points. So I waited 8 weeks, but still did not get the points. So I contacted them again twice in XXXX, and they told me they would expedite point deposit, and told me to wait until next statement closing which was XXXX XXXX. I still did not get XXXX HH points as of XXXX XXXX. XXXX. 

As a long time loyal American Express customer since XXXX, this is a disappointing and frustrating experience. Please review this case and deposit XXXX HH points in my account as advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
Equifax mishandled my information, which put me and millions of other people at risk. 
I am listed as a potential victim according to their XXXX website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my last effort to resolve this matter before I pursue to taking legal action. 
This company had reported an account on my credit report that I believed to be inaccurate and in violation of the FCRA. Hence, I wrote to this company not only disputing this account but asking them to prove the validate of it and asked that the item be removed if they couldnt produce the requisite information. No signed contract was produced to show this item belonged to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: DISCOVER BANK
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I have had excellent credit for several years, my credit score is above 750. I became unemployed due to things I could not control. I have not worked since XXXX XXXX XXXX. I got behind on two discover loans and have talked to them several times about working with me to resolve this problem. I want to pay them as much as they want the money. I became XXXX due to medical problems I cant help, and was recently approved for XXXX but will not receive any income for a month or so. I am supposed to get it after XXXX. I have talked to them about the posibility of lowering my interest rate of 12.99 percent and lowering the payments as the two payments I owe them are almost 900 monthly. I tried to work with a debt consolidation program before I lost my job and they said that Discover has their own debt relief program. This is a farce, since I have tried repeatedly to work with them to lower interest and payments until I get on my feet. I did get two months of unemployment and paid some lump sums on these two bills even though these XXXX would not work with me. I told them I have been struggling to buy food and pay utilities until I get my income on a regular basis but they do not care. I wish I would have not paid the money I did on these bills because I could have used it to pay my personal living expenses. It did nothing to lower my bill or interest rate. Discover XXXX really. They should have tried to help me, especially with my credit rating and constant not missing of payments before this unemployment spell. I do n't know if you can help me or not. 

thanks, XXXX XXXX XXXX XXXX, Texas

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12
Company: Chime Financial Inc
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Chime bank opened a credit card under my name and ssn and now showing as a hard inquiry and opened card but with " XXXX '' as the amount approved. I never authorized a credit check or for a card to be opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
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:
Equifax notified us that it is possible that our personal information had been breached. They offered a system to check to see if it indeed had been breached. My information had not, but apparently my husband 's personal information -- including credit cards and soc sec #, etc. -- was possibly breached. Equifax then offered to give him one free year of monitoring, but said that he had to waive his right to sue if their breach caused him harm and said that he 'd have to pay after one year. On top of that, it appears that the Equifax chief officers sold stock and made a large profit before informing us of this breach. This is outrageous. Equifax should have to make good any harm caused by their negligence in handling our personal information. And the officers should not profit off of this egregious negligence while millions of Americans and XXXX have had private information exposed and may suffer harm years from now because of this. Beyond disgusting and I hope the US Government goes after these guys.

Company response to consumer: Closed with explanation