BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 ac15 u.s.c 1681 Section 604A In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 .u.s.c 1681 Section 602a states I have the right to privacy. 15.u.s.c 1681 Section 604a Section 2 : It also state 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 filling items of Information any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years. 15 u.s.c 1681s-2 ( a ) ( 1 ) Aperson shall not furnish any information relating to a consumer to any Consumer Reporting Agency if the person k owns 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 2023-07-01
Company: Affirm Holdings, Inc
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Affirm is a XXXX company, i have been making payment on loans for 3 years now and they have no real options to help out customer when they are on a financial hardship!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
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 want this late payment deleted from my account within 15 days, I don't believe I'm late on thise late dates, Under USC 1666b, you should remove this late payment. Please update.

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. This account need to be updated : NISSAN-INFINITI XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I deposited a check thru my banks automated system. My bank accepted the check and sent me an e-mail on XX/XX/2022 letting me know that the check was successfully deposited, so I could go ahead and destroy the check and then gave me the details of my deposit. [ I did not destroy the check ] This check was for {$600.00}. I made XXXX small purchases on the XXXX and then on the XXXX of XX/XX/2022 I went to make a with draw and seen that the bank had frozen my account because they that I had made a fraudulant transaction. I contacted them and they said they were doing an investigation that would take up to XXXX days and then they would contact me at that time. I was contacted by a gentelman on XXXX I believe he told me that the investagation was complete and they deemed that I was not quilty of fraud and that my funds would be made availiable with in XXXX hours and the conversation was over. I waited for XXXX hours and my account was still frozen. it would take me at least another hour to tell you everthing and all the phone calls that I have made since then including XXXX I just made once again. I have a folder full of just some of the things I have been ask to do to get my money I have done everything they have ask of me and know they won't even talk to me or return a call. thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
USAA credit card banking lied to me about the card benefits when I opened the credit card. When I closed the credit card they will not give me the rewards I earned on the card. I am being punished for closing a credit card that was sold to me based on a lie. I called in asking what credit card offers were available to me because I was looking for a 0 % on purchases cards. I had a conversation were I explained multiple times why I wanted a 0 % on purchases, not balance transfers. The USAA representative told me the card was 0 % for both transfers and balance transfers. I used the card for travel and when I returned called to find the first due date only to find out I was lied to that the credit card was 0 % on purchases. I paid the full amount during that phone call and closed the account. Now I am being told I can not redeem the {$45.00} in rewards due to me for using the credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Harris & Harris, Ltd.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter in the mail with no date ( who sends an undated letter? ), only instruction to call or write to dispute by XXXX. My written dispute went in right away and was also filed with my state attorney general. I have not heard back from the debt collector and in order to avoid a mark on my credit report went to pay today, however the website isn't taking the information on the letter they sent so can't pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: EQUIFAX, INC.
State: AZ
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 have requested for the credit bureau to do a thorough investigation and verification of my credit report. I have also reviewed and verified the information and have found these to be inaccurate. In accordance with the Fair Credit Reporting Act the following accounts have been reported in error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance to the Fair credit reporting act account # has violated my rights 15 U.S.C 1681 section 602 A states that I have the right to privacy 15U.S.C 1681 section 602 A Section 2 states that a consumer reporting agency can not furnish an account without written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: JPMORGAN CHASE & CO.
State: VA
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:
JPMCB CARD Fraudulent pulled a credit inquiry on XX/XX/2022 that i did no know about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: Resurgent Capital Services L.P.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: NV
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 submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against 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 explanation
Consumer complaint received 2023-03-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX and XXXX, 2023 my Rewards account was hacked and {$2000.00} was supposedly sent to my XXXX account. Nothing was ever received. On XXXX XXXX I noticed the hack and reported it to USAA who said they would investigate. On XX/XX/XXXX I spoke to XXXX who said I would get reimbursed (? ) I was not clear on what she said she would do but she said it would happen the next week. Shortly I saw emails from USAA Rewards coming into my XXXX account. Fortunately she called at the same time and I asked what was happening. She said I was getting the e-cards replaced. I told her to stop because I never ordered any cards. In the 25 years + I have never redeemed a penny from my USAA Rewards account. 
From the initial investigation to now, USAA says there was no fraud as the e-cards were sent to my email. I asked who ordered them and did they actually get sent to my email and where were they tendered? Only THE BANK knows and nobody can call them or email them or contact them in manner! If they thieves were able to hack my Rewards account, are they savvy enough to have them sent to another account that shows as my account? If I received the first e-cards, why would USAA send me another set? They would have {$4100.00} in liability instead of {$2100.00}! From the first conversation to the last, over 25 hours, I have stated that I never ordered anything from USAA Rewards. I dont use the merchants that the e-cards were for. I dont even know what or how to use an e-card! My USAA card says I am not liable for fraud but in person they say USAA Rewards is separate from USAA Visa credit cards and part of THE BANK which nobody can contact! I dont receive Rewards unless I use my card, seems like they are connected! 
If this happened to me, how many other accounts were also victims? If the trail says the cards were sent but not used, USAA is the winner! I want USAA to examine their system and find out how the hackers are accessing their credit card rewards accounts. I would like my account to have the e-card amounts replaced and have the confidence that it wont happen again. 
Thank you for your assistance! XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Iwant my money for all the times wells Fargo charged me and for overdraft fees I want a few refund

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 2023-01-09
Company: Experian Information Solutions Inc.
State: NY
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:
The company will not allow me to access my credit report or update my email. My information has been broadcast by the person who has access to my old email address.

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 2023-07-02
Company: Mobiloans, LLC
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2023 I filed a dispute against Mobiloans. On my credit report which at that time they're supposed to stop contacting me until the dispute was resolved. They did not they continued to call me three or four times a day on the XXXX XXXX and XXXX of XX/XX/2023 which is in direct violation of fcra U.S.C-1681.

And should be subject to a {$1000.00} payout because at this point is considered harassment they only stopped contacting me when I contacted their legal team myself to let them know of their violation ... when speaking with them before they claimed because they were a tribal group they were virtually Above the Law and they didn't apply to them. But when it comes to fcra laws they are held accountable

Company response to consumer: Untimely response
Consumer complaint received 2023-03-27
Company: Credit & Collection Recovery Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
CCRSI has been harassing me over an unverified 7 year old debt for months. Today they contacted the medical clinic I work with, interrupting me as I was providing medical care.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Check deposit {$100.00} from XXXX XXXX XXXX XXXX to USAA on XXXX. 
Never credited to my account. 
Deposits before and after XXXX  credited to account. 
I have copy of cleared check. 
Called in around end of XXXX beginning of XXXX. Missing deposit case opened. 
XXXX notification that funds not found case closed. 
XXXX Called USAA again, per Rep. Check found, and account it was deposited into. 
Not my account. 
XXXX  called today told no check found. 
XXXX terminated.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-02
Company: Source Receivables Management LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Source Receivables Management is attempting to collect a debt of {$1400.00} that is not owed. The collection attempt was disputed XX/XX/XXXX with complaint ID XXXX and the status is closed. XXXX was the originator of inaccurate reporting and they responded on complaint ID XXXX. It was determined the collections should be removed from my credit report. As of XX/XX/XXXX, Source Receivables Management is attempting to collect again. The attempted debt collection is linked to a phone that XXXX claims was not returned, however, the return receipt from XX/XX/XXXX is attached. The customer service specialist at the front desk did not correctly enter the returned phone on my account after it was traded in. The receipt shows an Amount Due of {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: V and H Portfolio
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:
Reporting information to the credit bureau that is not mine Ive looked up the company they are not contracted in California they have no contact number and the address is a non existing empty land mark

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: JPMORGAN CHASE & CO.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not responsible or liable for this debt with JPMBC, I don't have a contract with them, they did not provide the original contract as I have requested

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: ENCORE CAPITAL GROUP INC.
State: CO
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:
My XXXX balance paid off XXXX card had a fraudulent cash advance in XXXX and XXXX of XXXX. This charge was done online by stealing my login, my physical address, email and phone number were changed on the account so I was not notified. The person tried to pay off the charge with my linked bank account and this was when I was notified as I did not have the funds in my bank account. I reported this with XXXX XXXX  and they told me all was determined fraud. I was told by XXXX that since my address was changed and I flagged and closed the account they could not send me this determination of fraud in writing. 
The fraudulent {$9600.00} {$9000.00} principal {$450.00} interest {$170.00} fees I was also told by XXXX that the fraudulent party opened a checking bank account under my social linking the accounts on line. They closed all these accounts after I alerted them. 
XXXX XXXX then sold my account to a debt collector in XX/XX/XXXX to Midland credit management. They did this after they told me I had no responsibility to the charges and it was all marked fraud. 
I do not have the statements that were fraudulent as my contact info was all changed. The address they altered is a XXXX XXXX dollar home, and not mine. I live in a lower income dead restricted address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: OH
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:
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  THESE INQUIRES 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 non-monetary relief
Consumer complaint received 2023-03-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
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:
My account was closed on the XXXX XXXX XXXX Due to recent account activity, XXXX XXXX XXXX has made the decision to close my account ending in 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 2023-07-03
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hi PayPa Team, My PayPal account can not be linked to new bank and withdraw money, please help me! 
I have called the customer service representative many times, but the problem has not been solved, please help me, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$320.00} XXXX XX/XX/XXXX Which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,

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 2023-07-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023 I transferred {$95000.00} from my checking account to my LOC account to pay of the {$95000.00} + interest. The Fifth Third Bank said there was an error applying the {$95000.00} and it will not be corrected for 10 days. During this time I will be charged interest and not have access to the money. 

My checking account is XXXX I contacted the Fifth Third employee XXXX # XXXX XXXX

Company response to consumer: Closed with non-monetary relief