BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-25
Company: Opportunity Financial, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
The loan was for {$2000.00}. On XX/XX/XXXX I made the last payment of {$370.00} for a total of {$2900.00} payback. 
I then received notification from Opp Loans that I refinanced the loan, and that I owed them {$1800.00}, and they wanted another payment. 
I telephoned Opp Loans and explained to their representative that I did not request additional funds that someone in your organization set up this fraud. I asked to see the documents I signed, and they couldn't provide me any. 
Opp Loans stated that the money was deposited into my bank account. When I asked the name of the bank, they told me the banks name which I did not know. I told them, I did not have any account with that bank. Opp Loans has never produced one shred of evidence I refinanced that loan. 
At the request of their representative, I filed a complaint with their fraud department. I was then notified this was a closed issue. 
When I received a copy of my credit report from XXXX, there was an entry that I am over 90 days late on my payments from Opp Loans. My credit report had been over 700 points, even with a bankruptcy bank in XXXX. Now my credit rating is reported as poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Credit Karma, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I use credit Karma money spend checking account. On XX/XX/XXXX my account was locked and put in review. I have called everyday and no one will answer any questions. Each time they say watch from an email from the team today. Each day nothing. I check every 5 minutes. I work for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I work XXXX hours a month. That's XX/XX/XXXX overtime hours. I deserve to access my funds. I have XXXX children and in the last week I've been unable to purchase XXXXXXXX XXXX for my son. Get Groceries and pet food. Gas for transportation so my son missed his XXXX appointment. Unable to pay my auto insurance renewal that was due the XXXX. Now the policy is cancelled. I want my hard earned funds now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Credit Acceptance This company illegally made me put a down payment on the vehicle when I got approved for the loan. I also contacted the agency and informed them that I was having issues paying the vehicle off and the illegally repossessed the vehicle. Ive never received a notice of 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 2022-09-25
Company: Block, Inc.
State: NY
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:
So my ex girlfriend who I had a order of protection against wanted till after the court order to call her bank XXXX and say a transaction of from 3 months ( XXXX ) ago was fraud she used to make me use her card to order or send people money because she didn't have a XXXX or she couldn't login to her account I made a police report and I have text messages from her proving this cash app hasn't refunded me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX and 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

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
my XXXX account has been closed and paid in full for XXXX months. transunion showes it still opened with a balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: PA
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:
Under 15 U.S.C 1681b - Permissible purposes of consumer reports ( a ) In General subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave this reporting agency any written consent to report anything on my consumer report. No consent is illegal and is considered identity theft under FCRA. I am also the CONSUMER which means under law, I am the only person able to validate any debts which I do not validate here. Because of this, I demand the deletion of the missed payments on this account : XXXX XXXX XXXX XXXX Since you are in violation of my consumer rights, I demand action to be taken immediately. If no course of action is taken immediately upon arrival of this letter, I will be filing a complaint with the Attorney General, and the FTC for identity theft on your behalf. In accordance with 15 USC 1681n you are civilly liable for damages so I will be seeking monetary relief if no action is taken immediately.

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 2022-12-05
Company: Block, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today XX/XX/22, we have gotten another phone call as has my grandparents about a debt that I do not owe. They claim I owe money from cash app/ bad check. 
I dont have cash app at all, havent written a check in many years. They REFUSE to listen to, talk so fast and swear I owe it. VERY rude to me and grandparents. Have even said warrant will be issued for bill. 
I have checked all my credit reports and there is nothing suspicious on it. Its perfectly fine. 
Im so sick of getting these calls and my grandparents as well. 
I have even called cash app. They verified I dont have an account, plus said if I did owe money theyd call me personally. 
Also my bank has NO record of this- bounced check, anything about cash app. Believe me IF I had written check that bounced my bank would have notified me immediately, also would have taken the money out of savings to cover it. 
Thank you for taking care of situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Consumer Adjustment Company Incorporated
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have rent recovery and other collections on my account that I did not attempt or live and the address they have on file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/22, I reviewed my consumer report and discovered there were inaccurate items reporting to my consumer report. I have contacted the agency via mail, identifying these inaccuracies with proof of identification. The agency has failed to maintain reasonable procedures to ensure that the information is accurate and relevant regarding my personal information. My current consumer report still includes misspelled names/names that do not belong to me, old addresses, and employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: TX
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 Credit Reporting act XXXX XXXX  XXXX Account # 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2022-09-25
Company: National Credit Adjusters, LLC
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:
This company just showed up on my credit report. There were no letters, phone calls or any other communication from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: OK
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:
On XXXX the XXXX of 2022 i sent a letter to Experian certified mail and was informed that the letter had been received disputing items from my account, disputing inaccurate personal information along with a copy of my driver 's license. I request information on how the information was validate and requested that they research and remove permanently all disputes. It has been almost two months and I have not received a response. By law FCRA if a credit bureau does not respond in 30 days they have to remove all disputed items and as well as personal information and inquires updated and removed. I have attempted to call several times and request a new report which I still have not received. I am in the process of filing a Class A action lawsuit against all three credit bureaus for inaccurate information, negligence, emotional stress and reinsertion.

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 2022-09-25
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 60 days later I have not received a response yet I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am confused as to how I have an escrow account now when I have never had one from the time the mortgage was established.. 
Also, I have always paid my insurance and property taxes separately. 
All the taxes have been paid from previous years, and 2020 to the present and there was no impound account set up to my knowledge.. 
I don't know how my mortgage payment has changed from {$1100.00} originally to {$1500.00} with no clarity as to what's being added to it.. 
Please see attached statements, along with my property taxes checks, and insurance documentation.. 

Thanks, 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 2022-12-05
Company: BANK OF THE WEST
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card was compromised at a XXXX  terminal at a gas station sometime in late XXXX of this year. Over the course of 2 months the fraudster drained my account completely. A total of {$4300.00} was stolen from me due to a compromised debit card. Upon discovering this fraud on XXXX  I immediately drove to my bank and filed an Affidavit of fraudulent activity on my debit card. There were a total of 73 fraudulent transactions going back to XXXX  Bank of the West would not let me claim any further than 60 days of fraudulent charges. 

On XXXX, after filing the affidavit, the bank destroyed my debit card but did not put a freeze on my checking account. This allowed the fraudster to get away with another {$200.00} between XXXX and XX/XX/XXXX, after I had already alerted my bank to the fraud. 

On XX/XX/XXXX, the following monday I contacted my county Sheriff 's office and filed a police report. I provided the Sheriff with a copy of my affidavit. 

on XX/XX/XXXX I filed a second affidavit for the additional {$200.00} in fraudulent charges. 

On XX/XX/XXXX, after XXXX XXXX  I contacted Bank of The West 's corporate security team to provide them with a case number and contact information for the police report. I was told by the head of their Fraud dept., XXXX XXXX, that due to her training schedule, she would not be able to work on my case until the following week and would provide me with an update. 

The following week of XX/XX/XXXX I contacted XXXX. She was not available. I asked her to return my call. Nobody ever called me back. 

I called again the following week XX/XX/XXXX and was able to talk to another manager besides XXXX who informed me that my case had been handed to a different department called Corporate Security, who would work with XXXX 's department to handle my fraud case. 

I received no contact or updated information until I called on XXXX. I was told by a representative that XXXX was unavailable. I asked that XXXX respond to me in writing about the status of my case. XXXX emailed me later that evening to inform me that the case was still being reviewed. 

Throughout XXXX, I called the customer support line to get an update and was met with the same answer, " Your case is being reviewed by a separate department, there's nothing we can do but wait '' On XX/XX/XXXX I called again to obtain a copy of the signed affidavit. Nobody has responded. 

At this point I have been robbed of {$4300.00} and my bank has done nothing to help me for 2 entire months despite filing an affidavit with them AND filing a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: EQUIFAX, 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:
I previously contacted Equifax about this issue. I sent a XXXX  written request for EQUIFAX to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 2nd attempt I am interested in processing disputes for all of my inaccurate information on my credit report with transunion. checking this info its alot of data that needs to be removed asap. please review an delete the items listed.

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 2022-07-29
Company: Experian Information Solutions 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:
Hello. My name is XXXX XXXX. I was shocked when I reviewed my credit report and was saddened to learn that you somehow verified the disputed item 's below, electing to leave them on my report. These are accounts that is not mine and I have no knowledge of these accounts. 

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXXXXXX - Account # XXXX XXXX XXXX XXXX  - Account # 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 2022-09-25
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a dispute concerning a {$210.00} charge from XXXX. I cancelled service with XXXX in XXXX and received a XXXX label from XXXX to return the modem, cord, and transmitter. All three were returned to XXXX on XX/XX/XXXX via tracking # XXXX and received by XXXX on XX/XX/XXXX as you can see from the proof of delivery. I had to call XXXX again on XX/XX/XXXX to find out why they were charging me {$210.00} ; they claimed they never received the transmitter, even though it was in the same box as the modem and the cord. You can clearly see the transmitter in the box in the photo I took when I packaged it up. XXXX assured me a refund would be issued. Instead, Citi reversed the conditional credit on XX/XX/XXXX and asked me to send in documentation supporting my dispute ; I sent Citi the photograph as well as proof of delivery on XX/XX/XXXX ; the document shows as being received by them in their " dispute center ''. I'm unclear what additional evidence would be required from them, and it appears to me that not only was zero investigation done on their part, but they also clearly didn't review the documents provided by me. I signed the letter requested by Citi and again sent the proof of delivery via fax # to them XX/XX/XXXX. I have been a card member since XXXX with Citi, and have had to waste hours now getting this resolved.

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 2022-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a XXXX XXXX XXXX account with Capital One with the ads saying if you keeps it for 90 days with {$20000.00}, you will earn a bonus of {$150.00} Well I opened it on XX/XX/XXXX and now XX/XX/XXXX way over the 90 days required, but no bonus. I called the bank twice, just to be told I just have to wait... maybe by XX/XX/XXXX I will get the bonus. 

This is not right and I am XXXX XXXX XXXX, please help. Thank you! 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: Experian Information Solutions Inc.
State: NJ
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 have been sending letters for more than 3 months to eliminate some errors or negative elements of my credit and the bureaus have not given me an answer. I feel like they are ignoring my requests.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX I paid off my balance. A couple months later ( in XXXX ) I recieved a letter in the mail stating I now how a late fee. I called and they told me I was charged for paying off the card. They waived everything and I closed my account and canceled my card. My credit report shows my account is closed but a week ago ( end of XXXX ) I recieved a letter stating I owed over XXXX dollars. They said I had been charged XXXX dollars in interest and missed XXXX payments so that is my balance. They said the best they could do was take XXXX dollars off the balance and I would pay the XXXX that remained. I told them I would not be doing that and ended the call.

Company response to consumer: Closed with monetary relief