BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
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:
In XXXX  my vehicle was repossessed by Credit Acceptance. I fell on hard times which caused me to fall behind in my payments. Work slowed for me do to the pandemic. I am an XXXX driver which means that vehicle was my livelihood. Credit acceptance did not offer any deferred payments or any kind of payment plan. There is a lawsuit here in NY against Credit Acceptance for their practices and i would like to bd a part of it. They were calling me numerous times daily even after the repossession.

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 2023-07-29
Company: DISCOVER BANK
State: OH
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:
Hi there my name is XXXX XXXX XXXX XXXX. I am seeing on my credit report of a discover card with charges. I have never used this card and I have never seen this card. I would like this to be justified and removed immediately and the card account closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is my 10th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 2023-03-07
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:
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, Account name : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against [ name of credit reporting agency ] for violations of the Fair Credit Reporting Act ( FCRA ), which is codified at 15 USC 1681 et seq. Specifically, I believe that the credit reporting agency has engaged in actions that are in violation of sections of the FCRA, including but not limited to : Section 604, which outlines the permissible purposes for which a credit report may be obtained.

Section 611, which requires credit reporting agencies to provide consumers with a free copy of their credit report once every 12 months upon request.

Section 611 ( a ) ( 1 ) ( B ), which requires credit reporting agencies to promptly correct or delete inaccurate or incomplete information in a consumer 's credit report.

Section 623 ( a ) ( 2 ), which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information in a consumer 's credit report. 
Additionally, I want to bring to your attention that the following addresses are non-mailable addresses and should be removed from my credit report immediately : XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX MI XXXX I have not authorized any person or entity to request or obtain a credit report for these addresses. Therefore, any information related to these addresses is a violation of the FCRA. 

As a result of these violations, I have suffered damages, which may include but are not limited to : [ describe the specific harm you have suffered, such as lost job opportunities, denial of credit, etc. ]. I am therefore seeking monetary relief for each violation of the FCRA, including actual damages, statutory damages, and, if applicable, punitive damages.

I have attempted to resolve this matter directly with the credit reporting agency, but have been unable to do so. I am therefore requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that the credit reporting agency complies with the FCRA, removes the non-mailable addresses from my credit report, and obtains written consent from me before releasing any credit report information for any future addresses.

I have attached documentation supporting my complaint, including copies of my credit reports and any other relevant correspondence with the credit reporting agency. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: AMERICAN EXPRESS COMPANY
State: NH
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:
On XX/XX/2023, I was flying from XXXX to XXXX. The XXXX clerk suggested and American Express card that was to give me XXXX bonus miles if I spent more than {$3000.00} in the first few months. I told the clerk I had an American Express in the past and he said it didn't matter. AmEx charged me {$250.00} for the card then promptly refused to give me the bonus miles. I refuted this three times with them and not once did they reply directly to me. I had to keep calling in and get shuffled around only to find out they say I wasn't eligible. 
I can see that I may not have been eligible because I had a previous Amex card but I told that to their representative when he suggested I applied. I was told it didn't matter. My contention is that the agents for American Express ( in this case a XXXX Clerk ) should be educated on the product they are promoting. 
AmEx would not give me the bonus points per the promotion I signed up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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 was denied my XXXX direct PLUS loan because of identity theft. There are two accounts ( Capital One, XXXX XXXX, and XXXX XXXX XXXX XXXX - sent to the XXXX XXXX XXXX for debt collections ) that are preventing me from getting my loan. 

I did not make these accounts, and someone is impersonating me ( they have a fake identification with my name and birthday, and they have my social ). 

I am scheduled to graduate in XXXX, but I will have a hold on my account as I am using loans for school and can not pay tuition due to these holds. 

I have filed complaints regarding all of these companies, and I have also filed police reports with the XXXX Police Department ( I am from XXXX ). 

The accounts were all made in XXXX, CA. The person impersonating me/who has stolen my identity has several outstanding payments ( Capital One, XXXX XXXX XXXX XXXX ) and deposited counterfeit checks ( to XXXX XXXX XX/XX/XXXX and XX/XX/XXXX totalling to be {$57000.00} ). 

I have an investigative specialist through XXXX ( XXXX XXXX | Restoration Specialist T : XXXX ) who is aware of all of this and is working on my case. 

Until this is resolved, I can not get my loan for school and therefore can not graduate. I am a XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX student at XXXX University ( online ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: MORGAN STANLEY & CO. LLC
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Etrade Morgan Stanley Max-Rate Checking account would not process cash transfers. Would not list verification deposit amounts from external funding accounts in transactions. Placed unauthorized and unidentified {$150.00} hold on available account funds with no explanation for six days. Account was frozen with no access to last remaining {$150.00} from XX/XX/23 to XX/XX/23. Etrade refused any explanation for unauthorized hold on account while no charges were pending. All current transactions were posted and cleared yet unidentified freeze on funds remained for six days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TrueAccord Corp.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was contacted by XXXX last year to pay my student loans. I followed the steps and I have been paying {$100.00} a month since XXXX XXXX, 2021. I just logged to my XXXX and there are no records of my payments. I found that none of my payments had been going towards my loan payment but towards someone else. When I try to log into the TrueAccord website with the account number I was given it asks if I am XXXX XXXX XXXX. I am not even able to delete my banking documents or log into the account now. I have been receiving emails each month letting me know I was paying the loan and how much I have left. They have received {$1200.00} from me so far that was supposed to be towards my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/23 XX/XX/23 I have contacted XXXX XXXX Transuion XXXX XXXX via XXXX mail to dispute inquiries & fraudulent accounts on my credit report I have sent in proof of address proof of identity proof of XXXX also proof of FTC XXXX XXXX stating proving my claims XXXX Transuion XXXX XXXX failed to protect my consumer rights accordingly to section XXXX of the fair credit reporting act Now I have every right to file. Civil LAWSUITS AGAINST EACH XXXX XXXX attaching Proof of address proof of ssn Proof of police 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 non-monetary relief
Consumer complaint received 2023-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone hacked my login while I was traveling I deposited a large check when I got back I found an account closed and a fraud alert I was never able to use my bank account while I was in my home country

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 2023-03-09
Company: EQUIFAX, 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:
Im submitting this complaint to you today to inform you tha I am a victim of identity theft. I researched on how to remove the fraudulent accounts and information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : 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 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This is my second or third compliant and after this Im going to sue XXXX and Experian for violating my FCRA. I have two accounts that are closed with XXXX and it continues to come back as verified. One account ends in XXXX and had a balance of {$4300.00} and the other account ends in XXXX and had a balance of {$7900.00}. XXXX continues to change the close date. My attachments show proof. The most recent credit report shows XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. How can this continue to happen. Another attachment shows dates from XX/XX/XXXX. This is intentional at this point. 

XXXX needs to be removed from both XXXX and Experian. I have requested multiple disputes but they all come back verified. 

Experian the only CRA reporting 90 day lates for both accounts. XXXX deleted both accounts back in XX/XX/XXXX as the same inaccuracies are shown. 

Im not requesting another investigation. In fact, do not do one. This information needs to be deleted IMMEDIATELY for multiple FCRA violations. 

XXXX shows DOLA as XX/XX/XXXX while Experian shows nothing. Experian doesnt show a close date. 

This file needs to be deleted. A response of opening an investigation is not sufficient. Both credit bureaus have had ample time to resolve and didnt. Remove both XXXX accounts or I will have to file FTC complaints and sue in court for violating my rights. 

A letter from XXXX ( the presidents office ) shows contradictory information. No close date has been provided. XXXX said they are not reporting 90 day lates in the letter however thats incorrect. 

Also attached is another credit report showing close dates in XXXX. All parties need to immediately delete credit files since my FCRA rights have been violated. Inaccurate information on my credit report sits there for years. I need the CFPB to intervene and ensure this is deleted timely.

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 2023-02-13
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
Credit agencies lowered my score by nearly 100 points in one month citing false reasons that dont apply to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Chime Financial Inc
State: MI
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:
Friday XX/XX/XXXX I didnt make a transaction with XXXX they took {$280.00} in my bank. So I file dispute with chime they told me will give money back then process investigation then this morning I got denied and was told Im not getting my money back. I need my money back that I didnt ask them to take my money from my chime card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
Account # XXXX I challenged the accuracy, compliance, validation and reportability of this listing. Please validate and provide method of validation to investigate this account with XXXX XXXX XXXX  and ask them to provide me with the validation associated with this account. I noticed that every month the company keeps reporting it as a Charge off ( CO ) which is resetting the account activity and re-setting the delinquency date creating different last activity dates on each report. After an account is charged off it is a dead account and no interest or activity should be completed on the account. Each credit report is showing a different last activity date which I attached in the complaint below. Lastly, I also noticed the difference in term duration on the loan for each report which I also attached below. XXXX reports the term duration as 1 month, Transunion reports it as 0 months, and XXXX reports it as 51 months, this is an inaccuracy. In the absence of not providing the method of validation, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ] [ 15 U.S.C. 1681 e ]

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 2023-03-09
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a new account with Ally Bank on XX/XX/22. Since that time I have been unable to change my statement settings to electronic. I continue to receive an error message telling me my settings could not be saved and to try again later. Now more than 2 months later, this issue is still unresolved. Ally Bank refuses to assist and continues to tell me their tech team ( who they won't let me speak to ) is working on it and IF they receive anything further, they're reach out to me. This is absolutely unacceptable and I view mailed statements as a security issue. I do not want my statements mailed to me, I want them electronically.

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