BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a vehicle back in XXXX with financing through Credit Acceptance, I almost immediately after purchasing the vehicle that I was charged extra fees on top of what I was told was included in the contract .... The sales price of the car was XXXX but when I looked at the contract the sales price was XXXX. Also I was charged XXXX for a sevice warranty contract which I came to find out was never even activated by the dealership!! I reached out to the dealership to complain and also reached out to Credit Acceptance with no help from neither. I read online that Credit Acceptance has been sued for this exact reason and actions!!! I would like to file a complaint and see what course of action to take now that I have been taken advantage of

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 2023-06-12
Company: Experian Information Solutions Inc.
State: NV
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:
To provide some context, I have thoroughly reviewed my credit report and discovered numerous inquiries and accounts that I did not authorize or have any knowledge of. These items have negatively impacted my creditworthiness and have caused significant distressed inconvenience in my personal and financial life. It is worth noting that these fraudulent entries are clearly not reflective of my credit history and are therefore erroneous AND misleading. Moreover, it is important to note that these inquiries and accounts have bee reported without a permissible purpose. According to the FCRA, credit inquiries AND account reporting must be conducted with a legitimate reason, such as in connection with accredit application or account review initiated by the consumer. In this case, I have neither applied for credit nor requested any account activity that would justify the presence of these items on my credit report. The unlawful reporting of these fraudulent and unauthorized inquiries and accounts not only damages my creditworthiness but also exposes me to potential financial harm. It is imperative that you take immediate action to rectify this situation and remove these inaccurate and unauthorized entries from my credit report. I request that you conduct a thorough investigation into this matter and provide me with a detailed explanation of how such erroneous information was allowed to appear on my credit report. Additionally, I expect a prompt resolution, including the removal of all fraudulent and unauthorized inquiries and accounts, as well as a written confirmation of the correction made. Please be advised that the FCRA provides consumers with certain rights and remedies in cases of inaccurate and unauthorized credit reporting. I am prepared to exercise all available legal options, including filing a complaint with the Consumer Financial Protection Bureau and seeking appropriate legal redress, if necessary, to protect my rights and ensure compliance with the law. I trust that you will treat this matter with the urgency and seriousness it deserves. I expect a prompt response within [ reasonable timeframe, e.g.,30 days ] from the date of receipt of this letter. Failure to address this issue adequately may result in further legal action. I strongly urge you to rectify this violation of my consumer rights promptly and to take all necessary steps to prevent such incidents from occurring in the future.

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 2023-06-12
Company: Block, Inc.
State: TX
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 am submitting a complaint in regard to XXXX different transactions : XXXX - {$5000.00} on XX/XX/2023, XXXX - {$5000.00} on XX/XX/2023, and XXXX - {$3900.00} on XX/XX/2023. I was defrauded by a XXXX who agreed to do construction work on our property. I sent the payments as requested by the XXXX who has since disappeared and blocked my phone number. I have tried reaching out several times through various means such as email, phone, text message, social media, and showing up to his listed address. I recently discovered that the XXXX has an extensive criminal history and may have done the same thing to other customers. 

I have attempted to submit a dispute for these transactions with Cash App as I didn't receive the services I paid for from this merchant, and have been defrauded. I haven't received any response from Cash App since last week and I keep having my conversation ended by the agents I am speaking to. I have worked very hard to save money to have this project completed and Cash App is allowing it to be stolen from me, and is being very disrespectful during this difficult time. I have offered to provide documentation and I have had phone calls and chat conversations ended abruptly. The company should be embarrassed that they are facilitating fraud at this magnitude. I would like to have the money removed from the XXXX 's account and be reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
navient said nothing was their fault..mail is slow ... ... ... .they are cashing the checks sent 2 plus weeks after sent ... .i do not think the mail is that slow every time... .i think they are waiting to hit mw with a bunch of late fees

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Self Financial Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
After paying off the balance on my secured card, they froze my account and said during a " routine review '' I needed submit verification. They requested my driver 's license and bank statement. I have never had a credit card secured or otherwise ask for this information but, I complied. I requested my account to be closed and my security deposit returned. I also had a credit builder CD account. I paid it off and requested pay out on that as well. They currently owe me {$3500.00} A month later all they will say is account still under review. 

There I currently a warning on XXXX  website about this company so, I am part of a much larger group all experiencing the same problem

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Wells Fargo wire transfer claim # XXXX On XX/XX/2023 I was a victim of fraud. After receiving a fraud text alert from Wells Fargo I checked my account and there was indeed debit card fraud on my account. After replying " no '' I didn't authorize the transaction I was immediately called from an XXXX number belonging to Wells Fargo. The person on the phone said he was with Wells Fargo Fraud Department and there were multiple transactions on my account that he wanted me to verify. I was sent a 6 digit verification code to my phone to verify my identity. I was told that my account was being locked due to the amount of fraud happening and to please log into my account via a secure text portal from Wells Fargo which I did. Unknowingly I had just given these criminals my user name and password. They then logged into my account and proceeded to initiate a wire transfer of {$7500.00} to XXXX XXXX. When I realized that I wasn't talking to Wells Fargo and instead the scammers I immediately hung up and directly called WF Fraud dept. and told them what had happened. They issued a swift recall on the wire but were unable to get the money back bc it had already been taken out of the account it was wired into. I later received a letter from Wells Fargo disputing that this transaction was fraud and that I had willingly given them the wire transfer verification code needed to complete the transaction. I never received any texts from Wells Fargo concerning a wire transfer. I have no idea how they were able to complete the transaction or if one of the codes sent to my phone was indeed a wire transfer code which the criminals knew I would be getting bc they were in my account attempting to wire money. I was asked to read back a code for verification of my identity but never would I willingly authorize a wire transfer. 
I have talked to the de-escalation department of Wells Fargo and also filed a complaint against the company but they have continued to deny this as fraudulent. 
This case is 100 % fraud and any information given to these criminals was obtained through fraudulent methods.

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 2023-06-13
Company: Chime Financial Inc
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 had a fraudulent transaction that I reported to chime where my card was used. Instead of doing a diligent investigation and getting evidence to support that this transaction was legitimate they denied my chargeback. 

I have banked with this company for years and never once filed a chargeback and when I finally need it because I am a VICTIM they do nothing for me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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:
There is inaccurate information on my report regarding the account XXXX from capital one

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am in receipt of United Revenue Corporations letter informing me that they are handling the collection of the account # XXXX for {$1900.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between United Revenue Corporations & me, legally listing you/your company as a person/company entitled to enforce a commercial claim against me. 

I mailed a letter demanding verification and validation. This was a demand for proof of contract to substantiate United Revenue Corporations claim. I legally demanded you/your company to provide me with a certified copy of an original contract, BEARING MY WET SIGNATURE, specifically naming the above company as a person entitled to enforce a commercial claim against me. My legally demanded requested information was ignored and United Revenue Corporation continues to report this fraudulent and unverifiable item on my XXXX, XXXX and XXXX reports. Furthermore, as stated in United Revenue Corporations letter, this is a " medical account ''. Therefore, this is a violation of my HIPPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
My credit report had unauthorised hard inquired on it that should be removed

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 2023-06-13
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received notification from XXXX on XX/XX/XXXX indicating that a collections account had been reported by Amsher Collection Services which negatively impacted my credit history. 

Amsher Collection Services reported a {$3700.00} balance and did not send written notification nor validation. This action violates the Fair Credit Reporting Act [ 15 U.S.C. 1681 ] and the Federal Validation Notice [ 15 U.S. Code 1692 ].

As a direct result my credit score dropped by over XXXX points and went from exceptional to good. This is unacceptable and has prevented me from obtaining a loan for a vehicle I was in the process of purchasing. 

On XX/XX/XXXX the per violation penalty increased from {$3500.00} to {$3700.00}. 

No debt collection company should operate above the law. Therefore I have submitted this complaint for investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: SYNCHRONY FINANCIAL
State: IA
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:
ive tried to dispute account with XXXX XXXX I asking for method of verification because account is reporting dispute resolved. over 30 days have passed, and I have yet not received any verification on acct. I do not agree with report investigation results because I have no clue how this account was verified. Account is stating inaccurate reporting account open, derogatory, collection charge of all at the same time. There is no way that account can be derogatory if reporting account as collection. Account is also stating in accurate reporting account has open derogatory collection charge of all at the same time there is no way that account can be derogatory if reporting account as collection I had previously stated on my dispute, I had previously stated on my dispute that I do not recall having this account open for that reason, I wanted account to be verified, or delete. I have not received any documentation with any kind of verification stating this debt belongs 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 2023-06-14
Company: Grain Technology, Inc.
State: OH
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 company, Grain Inc has been very uncooperative with communication. I have emailed and called with out a response. I have paid my debt in full, and they refuse to update my account. My account became late due to technical issues on the app, of which I attempted contact with the company and the attempts were unsuccessful. I have proof that the account was paid, but it still is reported on my credit reports ( XXXX, XXXX and XXXX ) as unpaid, charged off with inaccurate late payments. I have disputed with the credit agencies as well, and they have not been able to show proof that they have verified the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
My Capital One app sent me a notification for SSN Alert informing me in providing me an address located in the state of California XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX that I am not associated with. I also dont live in that state and never submitted anything ever associated with that address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have keep sufficient funds at Wells Fargo for my accounts to inclusive of their PMA Premier Checking. The advantage of PMA Premier checking is that there are no wire transfer fees.

Recently I noticed that a wire transfer fee was charge to my account. I discussed this with Wells Fargo customer service and they agreed that I have a PMA account but they would NOT remove the wire transfer fee. Terrible customer service officer and considering closing all my accounts with the bank I have been using for XXXX years.

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 2023-06-14
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
an individual sent me a link to a brokerage that was a fraudulent copy of XXXX  and used it to steal XXXX dollars. The website was an exact copy of the real one its still up, listed at XXXX XXXX XXXX. I was told to transfer money into my account using XXXX XXXX so i could trade stocks but the website was just a way to capture the money it was not functional in any capacity for trading after i found out i could not withdraw my money. Once the money was deposited none of the withdrawal features took place. I contacted truist bank and in a chronological timeline showed all the screenshots of my transactions, messages between me and the scammer, his XXXX  wallet address, and him mocking me after the fraud was revealed. I have now filed a complaint to the FBI and have signed under oath my statement. This scam has XXXX XXXX XXXX XXXX  and caused XXXX because i have bills and family obligations and this money was wrongfully taken away from me. I can send the full report i sent the bank will all evidence if i am provided an email address to sent it to.

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 2023-06-14
Company: JPMORGAN CHASE & CO.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX of 2023 I underwent XXXX. The following day on XX/XX/XXXX to, I had a police officer, call me from the XXXX Police Department number. Claiming that I had missed a trial date in which I was supposed to be an expert witness for. The trial had to be postponed due to this, resulting in a to, I had a police officer, call me from the XXXX Oregon Police Department phone number. Claiming that I had missed a trial date in which I was supposed to be a expert witness for. The trial had to be postponed due to this, resulting in a judge filing a failure to appear charge. I work in the XXXX XXXX as a XXXX so it wouldnt be unusual for me to be a expert witness. Recently, I had submitted reports to DHS about several of my patients parents. I thought this court case most likely had to do with these reports. I was instructed that I would have warrants out for my arrest if I did not pay the fee of this charge. I was on strong painkillers, and was exhausted from XXXX the night before. I was under the influence of pain pills, as well as coming off XXXX and ended up paying this police officer {$2000.00} with XXXX, as well as {$500.00} on XXXX. 

Me and my mother also contacted XXXX immediately. And I was informed that I would need to contact my bank for a refund. 

Me and my mother contacted my bank immediately after I made this transaction. We were informed by my bank that they would refund the {$2000.00} from XXXX but were unsure if the XXXX charge of {$500.00} would be eligible for a refund. They also replaced my credit card and debit card and shut down my bank account activity. 

The police was also contacted, and a police report was made with a case number of XXXX XXXX. 

After I regain access to my bank account and was feeling much better I notice that the {$2000.00} charge from XXXX was still on my account. I contacted my bank and they stated that since I manually paid this person this charger is not considered fraud, and therefore is not covered by my bank. They informed me to contact this website for next steps to get my money refunded. 

I feel that this should be considered a fraudulent charge since I was under the influence, and was not a sound mind to understand that this was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: I.C. System, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have found an account in collections on my credit report that dates back to XXXX of 2023 that is not mine. The original company that reported it was XXXX XXXX XXXX  which I have not used for over 10 years. The current debt collector is IC Systems trying to get over {$3300.00} that I did not create.

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