BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
15 U.S.C 1681 SECTION 602 A. States I have the right to privacy. 
15 U S.C 1681 SECTION 604A Section 2 : Also States a consumer Reporting agency account can not furnish a account without my written instructions. 
In accordance with the fair credit reporting act XXXX accounts # XXXX XXXX  dual card Credit finance via XXXX XXXX XXXX TransUnion consumer inte. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and 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 2022-06-24
Company: Affirm Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have an account with Affirm for a bed that I ordered from XXXX. The bed was cancelled and never came. Affirm sided with the company so I am paying XXXX and have no bed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Experian Information Solutions Inc.
State: GA
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 XXXX  XXXX XXXX XXXX account number : XXXX, has violated my rights. The original creditor is reporting as XXXX XXXX, which Ive never had knowledge of. 

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 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 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing in regards to the inaccurate and unknown things on my credit report. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. I suspect the following accounts are reported in duplicate. This is a good-standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. DPT EDXXXX XXXX Balance : {$0.00}, DPT EDXXXX XXXX Balance : {$0.00}, DPT EDXXXX XXXX Balance : {$0.00}

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 2022-04-24
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XXXX, XX/XX/XXXX Dear Sir/Madam, I need your help. 

XX/XX/XXXX, I fell victim to a multilayered scam operation by XXXX. The company offered investment services that aim is robbing and defraud clients. I lost XXXX, XXXX USD which was transferred from my wallet utilizing their services. 

XX/XX/XXXX : My first telephone contact with the investment manager and cryptocurrency broker XXXX XXXX and the security officer XXXX XXXX XXXX at XXXX. XXXX XXXX XXXX showed me the broker check at XXXX - that both he and XXXX XXXX were registered there. After several phone calls, answers to my questions, and a homepage check I didnt find anything suspicious ; the company seemed to be in order. 

XX/XX/XXXX : Opened an account with XXXX for bitcoin trades. 

XX/XX/XXXX : My first transaction from my bank XXXX, XXXX XXXX XXXX to XXXX ( Attached file : XXXX XXXX ) ( Attached file : XXXX XXXX ) XX/XX/XXXX : My second, and last, transaction from my bank XXXX, XXXX XXXX XXXX, to XXXX. 
( Attached file : XXXX XXXX ) ( Attached file : XXXX XXXX ) XX/XX/XXXX : The cryptocurrency broker XXXX XXXX reported an unreal profit which made me understand that something was wrong. 
( Attached file : XXXX XXXX ) XXXX XXXX : I tried to withdraw my invested money from my account at XXXX but found out the funds were stolen. 
( Attached file : XXXX XXXX ) XX/XX/XXXX : A police report was filed, by me, against the company XXXX. ( Attached file : Police report ) XX/XX/XXXX : Sent an ADR Protocol Letter to XXXX anXXXX XXXX 
( Attached file : XXXX XXXX Letter to XXXX ) ( Attached file : XXXX XXXX Letter to XXXX ) XX/XX/XXXX : Answer from XXXX ( Attached file : XXXX answer ) XX/XX/XXXX : Sent a Dispute Letter to XXXX. 
( Attached file : Dispute Letter to XXXX ) XX/XX/XXXX : Answer from XXXX ( Attached file : Wises answer ) XX/XX/XXXX : Sent Police report to XXXX ( Attached file : Copy of sent email ) XX/XX/XXXX : Confirmation from XXXX ( Attached file : Confirmation of receiving my email XX/XX/XXXX : Sent a Rebuttal Letter to XXXX. 
( Attached file : XXXX XXXX to XXXX ) I have tried to get help from XXXX and XXXX without any success. Can you please help me? 


Kind regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Nissan XXXX was totaled in accident on XX/XX/2022. Problems with XXXX claim adjusteXXXX that led to delay in them taking possession of vehicle. Nissan then claimed the vehicle in XXXX without any notification. We never stopped paying the loan for the vehicle. I finally got XXXX to step up on the claim at end of XXXX. Nissan received full payout shortly thereafter. 
In getting credit in XXXX, notated that vehicle marked on credit report as repossessed. I called Nissan and XXXX about this without much help. XXXX tried to intervene but Nissan wanted nothing to do with it. Multiple letters went to Nissan. Multiple disputed with credit bureaus but repossession still remains on credit. It devastated my credit and had hurt us financially. 
Nissan is continuing with the fraudulent claim that the Nissan XXXX was repossessed. They are standing by repossession. If this is true, they violated Maryland Law. If Nissan stands by the fact that it was repossessed, then it was wrongfully repossessed and in violation of Maryland law. According to MD Code XXXX. Repossession. Per that sections a Notice of intent to repossess must be sent at least 10 days before a credit grantor repossesses any tangible personal property, the credit grantor may serve a written notice on the consumer borrower of the intention to repossess the tangible personal property. No such notice was delivered to my address. I received no notice of redemption. Nissan never discussed or sent any documentation. I want this wrongful information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 explanation
Consumer complaint received 2022-11-27
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX To whom it may concern, Synchrony Bank use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 
Synchrony Bank has discriminated against me for closing my account without my consent. 
Synchrony Bank is furnishing inaccurate information relating to a consumer to any consumer reporting agency. 

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX XX/XX/1982

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 2022-07-28
Company: Atlanticus Services Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Dear XXXX, Effective immediately, your Aspire Credit Card credit limit has been decreased to {$100.00}. On XX/XX/XXXX, your account will be closed to further transactions. 

XX/XX/XXXX Account ending in : XXXX Please note that if you have a balance, even though your account is closed, you are obligated to pay us at least the minimum payment on your account in a timely manner. In addition, in accordance with your Cardholder Agreement, as long as your account has an outstanding balance, you will be billed an annual fee on the anniversary date of the opening of your account and you will be billed an account maintenance fee each month. 

You will continue to receive monthly billing statements until your account is paid in full. Please stop all automatic charges from utility companies, Internet providers, and other retailers or merchants to your account immediately. 

Your experience with Aspire is important to us. If you have any questions or comments, please call our Customer Service team at XXXX Monday through Sunday from XXXX a.m. to XXXX a.m. EST ( Eastern Standard Time ). 

Thank you for choosing Aspire! 

Sincerely, Aspire Customer Service Please do not reply to this e-mail as we are not able to respond to messages sent to this address. 

Banking services are provided by XXXXXXXX XXXX XXXX XXXX XXXX, MO, Member FDIC. The Aspire Banking Debit and Aspire Credit Cards are issued by The XXXX XXXX XXXX  pursuant to a license from XXXX and may be used everywhere XXXX debit cards and credit cards are accepted. XXXX All rights reserved. XXXX is a registered trademark, and the circles design is a trademark of XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16
Company: CITIBANK, N.A.
State: MD
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:
My card was charged for an item I didnt order. I have tried to work with the merchant they told me they had no record of charge for me .i received a letter stating my card was credited and it never was I  disputed this with Home Depot credit card they sent a document stating my card was used it clearly shows not my name. I never had anything delivered to my home my card has not left my possession. I was informed my card was not chipped or swiped. I contacted the merchant and they told me they still had no history of an order for me. I have tried relentlessly and in good faith to resolve this issue. This has caused a lot of stress to my health.

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 2022-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have attempted this now XXXX times with Capital One please see the new letter going out today. I attempted to fax this to you to fax number listed but it doesnt seem to be working. 
Good morning, I am writing for the last time to request my information be updated to report accurately on the credit report for XXXX and XXXX. I have been denied credit because I was told you are showing I missed payments on my account and that is outright wrong. 
Currently you are reporting missed or late payments for the following months on my account listed above : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and now XX/XX/XXXX. 
I called again today and spoke to someone in Resolution Dept by the name of XXXX ID XXXX he said I would need to send in my documents again. This is now my XXXX attempt in less than 12 months to get this corrected. My previous attempts to capital one directly was in XXXX of XXXX to the above address as well as XXXX of XXXX again with all pertaining items to resolve this. I also disputed this account with all three bureaus in XX/XX/XXXX I was told this was correct and that too was wrong information. 
I am again providing proof that the payments were made. Your capital one online for my account also reports them made timely and not missed. Why are you not able to correct this? 
When I call, I keep being told this account was included in my previous XXXX. I reaffirmed this account and made my payments and made them on time. I have never been late and never missed a month. I was granted an extension in XX/XX/XXXX. However, there is no reason why this should continue to be reporting incorrectly. 
I have provided again today the following exhibits : Exhibit A : screen shot of what XXXX is reporting in terms of missed payments. 
Exhibit B : Capital One payment history reflecting these payments made on time and never missed. 
Exhibit C : Bank statements from XXXX XXXX XXXX to reflect payments came from my account on time and not missed for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Since I opened my account in XX/XX/XXXX my account has been paid on time and never late and you continue to mis report my history. I should only have to request this one. I now am going to file a report with the Federal Credit Reporting Act/CFPB. This is wrong and you need to make this right. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: WSFS FINANCIAL CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wsfs charged me over XXXX  in overdraft via illegal deposit staging, then took the account to court and garnished my wages. Now they are reporting it as if it was a credit card account to 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX  my account was compromised. Someone deposited fraudulent checks into my account totaling {$4200.00}. This amount was deposited into my checking ( {$2200.00} ) and savings ( {$2000.00} ) Someone also added themselves to my account via member-to-member and took an additional {$1000.00}. I contacted my bank ( Navy Federal ) about this and spoke with a representative and they assured me that this matter will be investigated. I received a letter around three days later saying that they investigated it and they found that no fraud occurred. The letter they sent me was dated XXXX, a day after I initiated my claim. I feel like if a true investigation was conducted, it would take more than a day. The representative I talked to said it would take 10-45 days. I called them back and talked with another representative and was told again that the investigation would take 10-45 days to complete. I again received a letter in the mail dated the day after my second call to them. They also sent me a copy of the checks and you can clearly see that these checks are fraudulent and the signature is not mine. These checks are for the same amount ( XXXX ). Whoever got access to my account deposited the same check multiple times. 
Once the money was available in my account, the fraudster then withdrew the money from the fraudulent checks into another account. It looks like an XXXX account. Then took my actual money ( {$1000.00} ) via member-to-member. I informed my bank that I did not know this person and I don't know how they got access to my information. 
Hopefully CFPB can help me resolve this matter so that I can get back the money that was stolen from me and put my account back in the positive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-07-28
Company: Experian Information Solutions Inc.
State: KS
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:
Account XXXX : XXXX XXXX XXXX is reporting this account as a " paid/charge-off '', in which it should not be any derogatory mark. I paid this account in full when I joined the XXXX XXXX and the account should be closed, without any negative marks. Please remove this account from my credit report as it is a misrepresentation of a derogatory account. The balance shown is an erroneous amount that was caused by the company 's flawed reporting records. As I joined the XXXX XXXX ( XXXX XXXX ), I obviously moved and updated my address, in which, XXXX failed to notify me of the account 'NOT '' being closed. The XXXX sales representative sales manager stated my account was at a XXXX balance and my account was closed, in XXXX of 2019, and it was not updated on their end. This account is damaging my creditability and providing emotional hardships to remain employed in the Armed forces.

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 2024-01-08
Company: Stellantis Financial Services US Corp.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
They want to repossessed my cars when I ask for a deferment

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 2023-11-06
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/23 my Regions account was put on hold due to fraud prevention. I was told that I would hear something back in a couple of days concerning the incident. I never heard anything back. I called the bank back 10 days later. Giving time for everything to be resolved and I was told that the account would be closed but there was nothing in the system stating when. On XX/XX/23 I reached back out the Regions bank about the account, because I am in need of some type of verification that this account is not valid in order to receive benefits. I was told that I would receive a call back on XX/XX/23 which I did but I they were not able to give me anything. I asked how long this process will take because I am really in need of something stating that this account would be closed and the money in the account is not accessible to me. I was given no answer. I have done nothing but cooperate with the bank the whole time. It's really horrible that they will not close the account or give me the verification that is need in order for my family to receive benefits. There should be a time limit on investigating fraud. My family should not have to suffer over an issue I had nothing to do with.

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXXXXXX 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