BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.

Company response to consumer: In progress
Consumer complaint received 2023-09-26
Company: CULLEN/FROST BANKERS, INC.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Fraudster impersonating as XXXX XXXX support used our XXXX to download XXXX and XXXX and made us withdrawal transactions in order to reverse some charges we did not authorize using our debit cards linked to XXXX XXXX XXXX XXXX. The XXXX transaction receipt we acquired is as follows : FROST BANK XXXX XXXX  Reference Id : XXXX Withdrawal amount : {$3900.00} on XX/XX/2023 @ XXXX XXXX XXXXXXXX Recipient : XXXX Card holder ending in XXXX, expiration XXXX Filed Police Report Number : XXXX XXXX Police Department XXXX XXXX XXXX, XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: Progrexion Holdings, Inc.
State: SC
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: Problem with personal statement of dispute

Complaint:
I signed up for credit monitoring on credit.com and they charged me for a free trial twice overdrafting my account they later refunded me but didnt pay my overdraft fee so I requested to cancel my account and they will not cancel it and Im fearful they will charge me again and also I didnt authorize them to link my debit card to a credit service that report my utility payments so they reported my payment and it decreased my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: Experian Information Solutions Inc.
State: IN
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:
Experian needs to show that I paid XXXX and the collection company is XXXX XXXX in full.

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 2022-06-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2022 I contacted XXXX XXXX XXXX, EXPERIAN services and supplied a complete identity theft case including police report Proof of address theft affidavit and other identity information that clearly certify that Im a victim of identity theft.and Negative & Derogatory Information and inquiries are Not mine. I did not Authorize any creditor to obtain or report any information especially with it being fraudulent! 
XXXX AND EXPERIAN AND XXXX Had XXXX buisness days to Remove and or block the information on my personal credit report according to the fair credit reporting act section 605 B which they did not instead they have failed to protect my consumer rights XXXX is Reporting a Fraudulent Account ( 1 ) XXXX XXXX XXXX XXXX also the fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Etc etc all other inquiries are FRAUDULENT ALSO XXXX WILL NOT LET MY ACESS FULL ABILITIES TO CONTACT THE FRAUD DEPARTMENT THEY HAVE NOT UPDATED OR REMOVED THE REPORTED FRAUDULENT ACCOUNT EXPERIAN IS STILL REPORTING FRAUDULENT ACCOUNTS THAT ARE NOT MINE ( 1 ) XXXX ( 2 ) XXXX XXXX ( 3 ) XXXX XXXX XXXX : is Reporting fraudulent inquiries that I personally DID NOT AUTHORIZE EXPERIAN CLAIMS I DID NOT SUBMIT A POLICE REPORT WHICH THEY ARE LIEN IVE SUBMITTED MY POLICE REPORT THEFT AFFIDAVIT AND PROOF OF ADDRESS OVER 100 times im not wanting to pursue and take further action

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 2023-10-14
Company: Telsa Motors Inc
State: MN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I was inquiring about the lease incentive from Tesla. They told me it was a {$7500.00} incentive. I asked how it was applied and was told they will provide those details to start my order, which has a mandatory {$250.00} fee to proceed. Once I proceeded, I was not given any explanation as to the lease terms or how the {$7500.00} incentive is applied. By my calculation, given the money factor shown ( which was also in no way explained, I had to XXXX what it meant ), that not only is the {$7500.00} not applied, but the money factor is severely understated, and the effective APR is in the 100 % + range. 

Even more deceptive in the practice is that you are told if you accept the lease ( without being given appropriate terms ), you may not change to cash or other financing options. So I am forced to blindly accepting dishonest lease terms if I want to read why they are dishonest. 

I tried contacting a sales rep several times throughout the day, was provided a phone number that did not work. I requested a {$250.00} refund through the online contact feature and was told they would not refund my {$250.00}. 

Unrelated to my complaint on their deceptive acts above, they lease term said it was valid for 60 days, but I have to reapply every time I refresh the app. There is not a way through their app ( the only interface available to me ) to see the existing lease terms. They give me no way to honor the 60 day approval.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: NAVY FEDERAL CREDIT UNION
State: IN
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:
I lost my job recently and I am unable to pay my credit card or consumer loan. I let it default because I was keeping that money to pay my mortgage however my bank stole the money from my checking account to pay up the credit card and consumer loan. I need this money back so I can keep my house. I contacted several people with the bank and they refused to reverse the transaction. I bank with Navy Federal and have done so for several years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
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: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2022 I contacted XXXX XXXX TRANSUION, XXXX services and supplied a complete identity theft case including police report Proof of address theft affidavit and other identity information that clearly certify that Im a victim of identity theft.and Negative & Derogatory Information and inquiries are Not mine. I did not Authorize any creditor to obtain or report any information especially with it being fraudulent! 
XXXX AND XXXX AND Transuion Had XXXX buisness days to Remove and or block the information on my personal credit report according to the fair credit reporting act section 605 B which they did not instead they have failed to protect my consumer rights XXXX is Reporting a Fraudulent Account ( 1 ) XXXX XXXX XXXX XXXX also the fraudulent inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loans Etc etc all other inquiries are FRAUDULENT ALSO XXXX WILL NOT LET MY ACESS FULL ABILITIES TO CONTACT THE FRAUD DEPARTMENT THEY HAVE NOT UPDATED OR REMOVED THE REPORTED FRAUDULENT ACCOUNT XXXX IS STILL REPORTING FRAUDULENT ACCOUNTS THAT ARE NOT MINE ( 1 ) XXXX ( 2 ) XXXX XXXX ( 3 ) XXXX XXXX TRANSUION : is Reporting fraudulent inquiries that I personally DID NOT AUTHORIZE XXXX CLAIMS I DID NOT SUBMIT A POLICE REPORT WHICH THEY ARE LIEN IVE SUBMITTED MY POLICE REPORT THEFT AFFIDAVIT AND PROOF OF ADDRESS OVER 100 times im not wanting to pursue and take further action

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 2022-06-25
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2022 Equifax gave the information to XXXX XXXX XXXX and on XX/XX/2022 Equifax told XXXX XXXX XXXX Bank and XXXX XXXX about my credit report. I have been asking all year for equifax to send me a copy of my report. I asked Equifax again on on XX/XX/2022 to send me a copy of my report. How can I dispute the report, when they will not send me a copy? .Equifax keeps giving me a score of XXXX but will not follow their own rules! I need a copy of what is Equifax is saying about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Credit Karma, LLC
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I was sent an unsolicited card from credit karma. I called multiple times and have emailed multiple times. I want to know 1 ) if they sent me an unsolicited credit card and 2 ) if not, what information was required to open the account, when it was opened and what method was used to open it ( call, online app, etc ). They continue to request my social security number in order to offer me answers. I feel they should provide me with the non-identifying information I have requested about the account the opened under my name. They will not respond to any questions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-20
Company: FinCo Services Inc DBA Current
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2022 : two unauthorized charges came through to my account. XXXX and XXXX. I reported to current that day. Immediately in fact. They said to wait until it was not pending to file dispute. Dispute filed the moment the payments posted. They closed dispute within four days saying no error was found & that I could get a copy of the investigation. I chatted with customer service and the email they gave me, and never have gotten a copy. They never issued the temporary refund as per their policy and will not answer why they didnt. I reporter within the two business days and send current to their strictest set of proofs to show I did. In chat. It is the only way to speak with anyone there. Their phone does not work. 

Since an error WAS made, because I never authorized the charges, I contacted both merchants who said it was current who acted fraudulently. They refunded the money. Current has not posted the refund and I am beyond the merchants time frame for it to post. Current says to contact the merchants. Both say Current has the money. Current has not posted it. Current is robbing me. I need need need that money. It is for treatment for XXXX. 

Also, at one point, the proof of refund I tried to submit all of a sudden wouldnt send. 

I tried to reopen the dispute as well and current would not reopen it. I gave them all the necessary paperwork. They did not reopen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Bank of America has taken over 180 days to complete my claim. My identity was stolen and my unemployment card was sent to an unknown address. Upon learning about the fraud, I immediately report the fraud to Bank of America and filed a claim. This was in XXXX of XXXX, it is now XX/XX/XXXX. I have not received my unemployment. I tried to file my taxes and the IRS is saying I owe them money for unemployment that I have not yet received. I've called to check on the status of my claim almost every week and nothing has changed. Bank of America did send me a letter in XX/XX/XXXX saying they will issue me a temporary credit and that I will see that credit within 48 hours. I never received that credit either. I called about that and no one in the claims department seems to have any answers for me besides, it's still pending..I need my unemployment.

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 2021-10-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX I XXXX XXXX sent a letter saying there are wrong and unknown things on my credit report. It has been over 45 days later I have not received a response yet. I feel like i am being wrongly treated and ignored of my disputes. I believe failure to look into these items within 30 to 45 days gives a reason to quickly remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A relative opened a Credit card and Made me a Beneficiary Or another Recipient of this account. A purchase of {$440.00} was made on my behalf in 2018. I was called and harassed numerous of times to the point of having to change my number, i was receiving threat 's of debt collections and a decreased credit score. I've emailed called and written letters To get this removed from my credit report to no avail. They have claimed to resolve the problem and i the consumer just Disagrees

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: EQUIFAX, INC.
State: MO
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:
This is disappointing! I have been disputing for the correction of the accounts that are reporting erroneous information on my Credit File but it is clear that the Credit Bureaus do not pay attention to any of my disputes at all! The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$570.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXXXXXXD XXXX Balance Owed : {$4000.00} XXXX XXXXXXXX XXXX Balance Owed : {$8600.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX XXXXXXXX Balance Owed : {$0.00} ; and XXXX XXXXXXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I never open this account, I was only a minor when this account was open. I have asked several times to get this matter taken care of, and the credit bureau keeps denying my request. I am XXXX years old now and I have a baby, I cant get my own place are open a credit because of that credit file that someone opens using my Social Security number. I have sent in a copy is my Texas ID, Social Security card, and Bank statement with the address and my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2002 while checking to confirm my two Citi credit card accounts were linked, their website identified a third card that could be linked. This was a Citi Bank debit card with only the last four numbers shown. I first called the CITI credit card unit, after 20 minutes they informed me they could not find this card nor explain why it shows up on the website. They transferred me to a banking unit. After another 20 minutes the representative told me they could not find any card and gave me the number for their retirement unit. After waiting another ten minutes to actually speak to someone, the representative there informed me they could not help me nor explain why this card is showing up. She then told me that I would have to speak to the Credit card unit. I asked her to connect me to a supervisor, which she agreed to do. After another 20 minutes I was connected to the general line which then disconnected. I then called customer service again and once again was supposed to be connected to a supervisor but was disconnected. I subsequently called again and after a failed attempt to help me connected me back to the CITI retirement unit. I spoke to a supervisor who was able this time to find a closed account, but did not find any debit cards. He was still unable to explain why your website indicated that there was a debit card that could be linked. 
After spending over one and one half hours on the phone and speaking to eight different people, and being disconnected several times I gave up with no resolution to my problem regarding the Debit Card. I sent my complaint via e mail to the CEO of Citibank but did not get any response. 
I am writing to you with the hope that you can have the appropriate person contact me by phone or e mail, and explain why your website shows that there is a debit card when none of your service people or supervisors can find 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 explanation
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: VA
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:
The below account are reports as adverse accounts on my transunion account. 

DEPT OF ED/XXXX XXXXXXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXXXXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXXXXXX {$0.00} {$0.00} DEPT OF ED/XXXX  XXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXX {$0.00} {$0.00} These accounts are up to date and not in collections, they were sold to the accounts below which are shown on my credit report. 

US DEPT OF EDUCATION/XXXX XXXX {$0.00} US DEPT OF EDUCATION/XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 new and updated information regarding previous complaints with this company. Transunion has been and are continuing to report negative information to my consumer report and they are not in compliance with the Fair Credit Reporting Act.

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