BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do a verification of everything on my credit report and they said they did and stated that everything was accurate. But when I did my own investigation, I noticed that there were still a lot of improper inaccuracies on my report even after the did their investigation. For example, XXXX  XXXX Account # XXXX which is a revolving credit card account type. Has all kinds of inconsistencies where it is showing that it was opened with XXXX XXXX Experian on XX/XX/2021 and XXXX XX/XX/2021 XXXX also could see that the last reported dates the last active and last payment dates were all inconsistent. 
In accordance with the fair credit reporting act XXXX  Account # XXXX violated my rights.

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-08-03
Company: EQUIFAX, INC.
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:
On XX/XX/2022 I sent mailing via Certified mail # XXXX XXXX XXXX XXXX XXXX they received it on XX/XX/XXXX. The letter states that it is my formal demand to immediately cease all reporting of inaccurate and incomplete credit information ( HISTORY ), on my consumer credit file. 

FACT : Pursuant to 15 USC 1681 ( a ) ( 1 ) - The banking system is dependent upon my consumer report being fair and accurate, after reviewing my consumer report on XX/XX/2022 I was made aware of these inaccuracies on my consumer file, this ( adverse ) action by Equifax is unfair, unlawful, and just violates my consumer rights. 

As a consumer I was never notified in any manner when this inaccurate information was first furnished on my consumer file, I was never notified when Equifax conducted its Initial investigation, or that Equifax would be reporting this information. 


They only removed one account XXXX XXXX and updated the other account they never verified any information and contacted me they never did a proper re-investigation On XX/XX/XXXX they added remarks to the remaining account but didn't remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: Sunset Management, Inc
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
On XX/XX/2022, I received a letter in the mail from Sunset Finance ( address : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, SC XXXX ). The letter contained a check for {$1000.00}. The letter advertised " celebrating XXXX in style! '' and contained instructions for the loan. I was pre-approved to receive a customer loan for the listed amount and the only thing I would have to do is deposit the check. I never applied for any loan of this type. Therefore, I felt like this was a scam or some predatory loan scheme so I immediately ripped up the check. Furthermore, anyone would be insane to accept a loan with a annual percentage rate of XXXX XXXX. I think that given the number of checks received by Americans at this time of year, someone may mistakenly deposit a loan check like this. This would be severely detrimental to their financial wellbeing. If this type of loan scheme is not illegal, it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: SYNCHRONY FINANCIAL
State: OH
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:
My PayPal XXXX XXXX account attached an insurance company to my account which is another division of their company called XXXX. XXXX charged me {$3300.00} by attaching small amounts onto my amount due each month without disclosing the additional amount on my online statements or explaining that this was not my amount owed from purchases. I continually payed my payments and kept calling for a year to get an answer of why my payments were not subtracted correctly from my balance. Finally after a year of calling amount the discrepancies, the customer care agents informed me that the amounts never matched of amount owed to my payments, because it was going to another division of their company called XXXX, which is an insurance used to pay off credit card in case of unemployment. I never gave this insurance company called XXXX permission to charge my account. Had I know about this insurance I would have used it in XX/XX/2020 when I had an accident and had a fractured leg, which caused me to be out of work for 5 months. I did not use the insurance because I never knew it existed until after that period of time. After multiple more inquiries and complaint processes they told me how to finally cancel the insurance policy to stop these charges. This information was finally given to me after a year of disputes. I followed their instruction XXXX to cancel the policy and stop the charges from occurring. I was given a refund of only a partial amount of {$870.00}. Since then they have opened several more cases to resolve the issue and even gave me another letter stating I would receive more of a refund only to then be told that the letter was sent in error. I never gave this insurance company, XXXX a division of Paypal XXXX XXXX to change my card and hide the charges while fraudulently opening an insurance policy in my name without my permission. I would like a full refund of {$2400.00} which is calculated from the full amount charged without permission of {$3300.00} minus the partial refund of {$870.00} given.

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 2022-12-24
Company: Signature Bank (NY)
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XXXX XXXX, XXXX Sunday I mailed a check to my sister for {$100.00}. It was fished out of the mailbox with sticky mouse traps and the check # XXXX name and amount was changed to {$12000.00}, The transaction went through the Signature bank Friday XX/XX/XXXX, XXXX, and I reported the theft to the bank by phone ( XXXX ). Monday XX/XX/XXXX XXXX the bank called their Fraud dept. 
I made a report with the Attorney General 's office. I made a report with the NYPD ( XXXX ), XXXXXXXX  They are well aware of this issue. 
I made a report with XXXX XXXX  ) ( XXXX ). 
Today XX/XX/XXXX. Signature bank, was able to reverse the transaction of Check XXXX and my money was returned. I was lucky and vigilant but people are being separated from their money with this con game. I spoke to my Postal delivery lady today and mail Theft is getting out of hand. They are breaking into Postal boxes in the apartment bldgs. One person

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: U.S. BANCORP
State: CA
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:
I received a US Bank credit card flyer to apply for a credit card inthe month of XX/XX/2023, I applied for that and it was rejected, it was a credit card offer for zero percent interest for 15 months. Ihave attached the rejection letter in this complaint. now I havereceived another US Bank credit card flyer to apply for a creditcard which is giving the {$500.00} cashback if we spend {$4500.00} in150 days. I also made a complaint regarding this to the CFPB, Ihave n't received a response yet. I need to know if I will beapproved for the credit card this time, because I don't want mycredit scroee to go low why did you send me a flyer of credit card when your intention was not to approve it, you are just taking my information and selling it to your affiliates. And why after rejecting my first credit card you sent to me a second flyer to apply? 

US Bank is very lousy, I already spoke with XXXX regarding this two days ago and still no action has been taken, I am really dissapointed with US Bank services.

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 2022-12-24
Company: Paypal Holdings, Inc
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
This is a follow up to Complaint : XXXX. In that complaint Venmo asserts that the reason I can not add my bank account is due to not being in a place that Venmo is familiar with and thus it is being blocked. That is patently false. I am in my apartment, my primary and only residence, when trying to add my XXXX XXXX Account. I have tried adding my account on my laptop, my XXXX, and my tablet, all of which have resulted in " errors. '' These errors give no information other than " an error has occurred, please try again. '' This is a system error on Venmo 's end and has been an error for well over a year at this point. Their previous " solution '' and " response '' is a fabrication with no basis in reality and continues to show why they are the subject of several federal investigations and lawsuits by Attorney Generals throughout the United States. It's even more egregious as their is no area within Venmo to check to ensure the address they believe you're located in is the correct one. 

As it stands every time I try and set up my bank account for deposit/withdrawal it says that it succeeded only to come back and error out with a " form submission error. '' I receive an email from XXXX XXXX stating that my information is now being shared with XXXX/Venmo but nothing happens. This is a problem on Venmo 's end and needs to be corrected. It does not matte if I try and add my bank account manually or through XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18
Company: Atlanticus Services Corporation
State: NJ
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:
I report my card stolen and lost. 
But Fortiva credit card still charging me money on credit card that was stolen and used the amount of XXXX dollars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Allied Collection Service, Inc. (Indiana)
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:
Contacted credit agencies several times to fix the problems and they reported back incorrect and inconsistent information. 15 U.S.C. 1601/ 15 U.S.C . 1681/ 15 U.S.C . 1637/ U.S.C . 1691 15 U.S.C. 1692

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On or around XX/XX/XXXX I received 2 post cards ( one for a checking account, one for a savings account ) in the mail from BB & T saying that I had requested them to consider authorizing and paying overdrafts on my ATM and debit card transactions. Since I did have a checking or savings account with BB & T I called them and said I thought they were setup in error. They turned it over to their fraud department and on or around XX/XX/XXXX I received a letter from them saying I was the victim of identity theft along with all of the steps they were taking to secure the accounts. 

At their suggestion I ordered all of my free credit reports from the 3 credit bureaus to check for any unusual activity. All three were clean and the only inquiry from BB & T was from when we established a mortgage with them in XXXX or XXXX. 

I found it odd that 1 ) there was no inquiry from BB & T, soft or hard, to setup the accounts and 2 ) I did not receive any email/text alerts that these were added to my existing account. I find it very hard to believe a bank would not alert you if a new account was added to an existing mortgage account. 

Given the recent XXXX XXXX fraud where they were setting up accounts without their customers knowledge in order to hit targets, I wanted to see what exactly was used to establish these accounts ( given the lack of alerts ). 

On XX/XX/XXXX I called the number on the letter I received and asked for a copy of the documents used to setup the accounts and was today I would need a police report and that the police would have to subpoena them for the documents. I find it ridiculous that I would have to file a police report with my local police department to get a copy of documents which allegedly used my SS # and other personal information. 

I would like to receive copies of these documents to then see if I feel further action is required on my part. At the moment their unwillingness to share the documents seems suspicious to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: NY
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 AM A VICTIM OF IDENTITY THEFT AND I STILL HAVE ACCOUNTS THAT IS NOT MY OWN BEING DISPLAYED ON MY CREDIT PROFILE. THIS INFORMATION IS ERRONEOUS AND MUST BE PERMANENTLY REMOVED ASAP. THESE ARE NOT MY ACCOUNTS. I NEED TO HAVE THESE ACCOUNTS REMOVED IMMEDIATELY PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
There are unauthorized businesses on my credit 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 monetary relief
Consumer complaint received 2022-08-24
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:
The ( 3 ) three credit Breaus are reporting inaccurate inquiries and debts on my credit report 1. XXXXXXXX XXXX 2. XXXXXXXX XXXX XXXXt 3 XXXX Bank 4.XXXXXXXX XXXX 5XXXX XXXX Bank 6.XXXX 7.XXXX XXXXXXXX I've filed several disputes and nothing has been changed and I've also did my share of investigating and found that they have mixed my credit file up with someone's social ending with XXXX please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: Experian Information Solutions Inc.
State: MS
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:
I have sent a letter to all 4credit bureaus and XXXX, stating this debt has been paid in full since 2021.

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 2022-10-24
Company: Continental Finance Company, LLC
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2022 I found out my card was over the limit. I then found out the reason, someone had used it in XXXXXXXX XXXX without my permission. They had gone to XXXX XXXX, a liquor store and bought Gift cards, as well as XXXX Parking meters. 

I notified the Continental Finance, aka XXXX XXXX XXXX  about the fraud. I have spent hours on the phone to get resolved. I am still waiting on the replacement Credit card. 

Their website is NOT user friendly at all. XXXX graphics and unable to easily navigate, download and solve muchless understand the many fraudulent charges. 

I have used hours on the phone. Today is the last straw after being promised over and over my replacement card was being mailed only to call back days later and it has not been mailed. But today when I tried to log on I am notified " unable to grant you access at this time. Please contact XXXX Services and XXXX XXXX XXXX XXXX After calling and getting the same XXXX script from XXXX  representatives I was told to call back and get try to get someone. He then puts me on hold until the phone dropped and I had to call back. 

I have never spoken with XXXX, the fraud manager assigned to my account. 

Now I learned the replacement account was flagged as fraud as well. I was told not to make any payment on the account until I get the 3rd replacement card and call back in, but I am responsible for all legitimate charges. I tried making the account and keep getting passed and find out my account is now closed and all I can do is pay this account off in full or it will be turned to collection. 

This has caused my credit score to drop over XXXX points. It cost me time, energy, money, physically as well as reputation. 

I am so frustrated. I need to find an attorney for class action as I am sure I am not the only person having this issue with them. Thanks

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 2022-08-03
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In a letter posted here on XX/XX/XXXX, US Bank agreed to close the account they created at XXXX. As a result, the complaint that I created here on XX/XX/XXXX was closed. There response on XX/XX/XXXX failed to address my grievance regarding the credit card they misrepresented and I recieved under false pretences. They did however agree to close my account. They did for two days, then they choose to activate it again. I hope this proves that I can not negotiate with this company.

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 2023-03-10
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX 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 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 2022-10-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022, at XXXX XXXX. at EST, I requested a money transfer in the amount of {$450.00} from my Chase checking account to the escrow account as a down payment for a purchase of a house. I was doing the wire transfer per the instructions of the real estate broker who had emailed me and my wife regarding how much and where to wire the money. I copied this receipt and sent it to my loan agent with a text wherein I notified my loan agent that I had just wired the funds. I also texted my real estate broker and notified that I had just wired the funds. They both responded by saying thank you, and the real estate broker said to make sure to let my loan agent know. Both my loan agent and real estate agent knew and confirmed receipt of message. On XX/XX/XXXX my real estate broker called me and said that I was scammed after he had received a call from the escrow officer inquiring about the funds. I and my wife found out that the real estate broker 's email was hacked after we started investigating as to how this happened to us. I immediately contacted Chase Bank, and reported the crime to the XXXX Police Department and filed a report, I contacted the FBI and reported the crime on line, I called the secret service, and I contacted XXXX XXXX XXXX. XXXX XXXX XXXX, through XXXX, stated that they had recovered {$100000.00} but to sign a hold harmless letter for XXXX XXXX to release the funds. I did not sign.

Company response to consumer: Closed with explanation