BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-29
Company: NAVY FEDERAL CREDIT UNION
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:
On or around XX/XX/2021 a fraudulent secured loan was opened in my name at Navy federal credit union. I have made several attempts to resolve this matter but this bank continues to report this fraudulent account to the credit agencies.

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 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
To someone who can help me, I am deeply upset about the erroneous things I see on my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately, it must be removed. I hope you find out whats going on and who the inaccurate information belongs to. Can you please clear this up quickly? It is my understanding that you will do an investigation immediately, a new credit report that reflects the updated changes should be sent. You must complete this investigation within 30 days of receipt of this letter. According to the law, unverifiable, inaccurate accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help in this matter.

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 2022-08-16
Company: EQUIFAX, INC.
State: IL
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 am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681 and that violated my rights numerous of times. I demand accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

1. XXXX XXXX, XXXX, XXXX, XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX, XX/XX/XXXX 4. XXXX XXXX XXXX Reporting a late payment as of XX/XX/XXXX and I do not have an open account with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-11-18
Company: EQUIFAX, 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:
Hard inquiries done on the same day are showing up multiple times as hard inquiries and affecting my credit. 

There are XXXX  on XX/XX/2021 as they looked at car financing options. 
There are XXXX on XX/XX/2021 as they looked at car financing options. 

I was told that these should only be XXXX hard inquiry as they are XXXX days apart.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On   XX/XX/XXXX   at  XXXX  a tow truck driver and another individual went to a work site stating he was repossessing a  XXXX    XXXX   XXXX   in the presence of third parties for Credit Acceptance Corporation  .   Credit Acceptance Corp  was contacted and begin interrogating me, and request I make a payment immediately towards an account fraudulently produced by  XXXX   XXXX   XXXX  in the amount of {$13000.00} on   XX/XX/XXXX   in which it has severely damaged my credit. Joint account owner filed a fraud complaint with his bank and Credit Acceptance Corporation referencing unauthorized withdrawals  made two  weeks following a sale that was null and void with no response from  C  redit Acceptance Corp.  Sales and delivery date was  XX/XX/XXXX  ; joint account holder was not present my daughter was. I 've been trying to get the creditor to investigate the matter for resolution since  XX/XX/XXXX . Joint account holder claim no liability in the error and abandoned all responsibilities. Complaint was sent to MD Attorney Gene ral office pertaini ng to GAP insurance that was not approved by me for purchase through   XXXX   XXXX   company ; monies refunded from insurance   XXXX     XXXX   XXXX   was not paid as agreed through mediation. joint account holder of loan has no interest in the title for   XXXX    XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX  stated on  XX/XX/XXXX  joint account holder mva record was flagged and license revoked and my income will not qualify for financing alone.     Credit Acceptance Corporation business practices and collection by and between their affilated dealerships is hostile and deceptive. I am represented by legal counsel in another matter left unresolved by Credit Acceptance Corporation involving another vehicle sold to me under fraudulent terms and conditions regardless of the retail sales contract they provide to the dealerships that use their creative financing methods in Maryland. Dealership and credit acceptance corporation knows that i am a real estate professional.

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 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Reporting inaccurate and triplicating several PAID accounts that has in turn lowered my credit score. ( one is 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 2022-05-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business XXXX XXXX XXXX since XXXX of XXXX. My paypal account XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds soon. Thank you and Godbless.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: CAB Receivables, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a  letter to Cab Collection  agency in  XXXX  of  2017 asking for proof that said debt they are reporting is actually my debt but havent recieved anything from the collection agency as of yet proving that this is indeed my debt. I tried to dispute this with the credit bureaus only for it to come back as verified but the company when reaching out to them says that they can not find the acco unt infomation to verfiy the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05
Company: Midwest Recovery Systems
State: PA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have never applied for a payday loan from XXXX. This item is showing up on my credit report and is being collected by MIDWEST RECOVERY SYSTEMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: DISCOVER BANK
State: GA
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:
XX/XX/2021 Card/Account Holder XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Discover Card Consumer Complaint XXXX XXXX Address City, State, ZIP Code Re : Discover Card XXXX XXXX XXXX XXXX Attention : Consumer Complaint Division On XX/XX/2021 I was mailed a notice from Discover card services that my account was being closed. According to the letter Discover closed the account due to the inability to access tax records for prior year, I was never notified by Discover financial services of their XXXX attempt. 
I have in the past had some issues with identity theft, therefore I have a Fraud alert with my account ( SS, Credit ) for my protection. I offered to assist Discover in this matter per IRS representative no information is released without the consent of social security holder. my approval is requested prior to any release of information. I have contacted IRS and they dont have any records of Discover financial attempts or requests. 
On XX/XX/2021 I contacted customer service representative XXXX XXXX in attempt to resolve the problem, according to XXXX there was nothing he could do to resolve the issue. I would appreciate my account being re-instated allowing access my credit card usage. 
I look forward to your reply and a resolution to my problem. Please contact me at the above address or by phone at XXXX Sincerely, XXXX XXXX XXXX next page ( s ) supporting information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the night of XXXX XXXX, 2017/early morning of XXXX XXXX, 2017, my debit card was stolen while traveling for work in downtown XXXX, IL. I had used an ATM machine inside of a bar, where I believe my PIN number was compromised and I believe I was targeted from that point to have my debit card stolen. I did not realize that my debit card had been stolen until the next morning and I immediately notified Chase bank of {$2900.00} in fraudulent activity that had occurred on my account. The charges showed a description of transactions at a XXXX in XXXX, IL, which is an hour and a half north of downtown XXXX where I was staying for work. 
I went in to the local Chase branch as soon as they opened at XXXX XXXX to explain the situation and review the account activity. There were five transactions for {$500.00} and one transaction for {$450.00} totaling the {$2900.00}. These transactions occurred at XXXX XXXX, when I was asleep in the hotel in downtown XXXX. 
The Chase branch banker shut down my checking and savings account and opened up new accounts, transferring my funds to the new accounts. She helped me file a fraud claim with Chase for these transactions. 
I have since gone through 4 rounds of escalations with Chase 's Fraud team, but they are denying that the transactions were fraudulent activity. I have provided all of the information to them that I possibly can on where and how I believe my PIN and card were stolen, but they have rejected the claim and have now said they will not re-open the claim. Despite reporting the fraudulent activity just hours after it occurred as soon I woke up, it appears that I will be robbed of the nearly {$3000.00} in fraudulent charges taken against my checking account via Debit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-31
Company: DriveTime
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Prior complaint number is : # XXXX. 
I also am aware their is a harassment lawsuit filed against Drive Time, in which they still are not following suit and are not compliant with. I am also aware of the XXXX XXXX XXXX lawsuit, in which I believe Drive Time should be next for the suit description. I believe they discriminate on many aspects, such as race, age, and income. Are there even set credit tiers? Not to my knowledge. The interest and loan amount paperwork was not given to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I opened a checking account with USAA # XXXX. On XX/XX/XXXX I opened a savings account with USAA # XXXX. On XX/XX/XXXX USAA froze both accounts without notifying me. When I called USAA told me that I had received 2 suspicious XXXX transfers that activated some algorithm which automatically froze the accounts. 
They said it was in the hands of one of their fraud investigators. The XXXX transfers were from my boss for expense money, and from a friend paying back a loan. 
I have called USAA numerous times, one the phone for over an hour each time on hold and jockeyed about between offices. I have requested that the accounts be closed, and a check mailed to me several times. 
I have asked to speak to the investigator numerous times, and the reply is they will give me a call back. I have spoken to one manager who told me she could not do anything the investigation would have to finalize. This was early in XX/XX/XXXX. 
I am a XXXX and my account frozen for fraud has been a direct defamation of character. 
In XX/XX/XXXX I missed several payments and lost service to important information. 
Here is the most salient fact " USAA is in direct breach of federal banking Laws '' illegally withholding my money from me past the statue allowed time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Equifax Mortgage Service is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given them permission to access my credit profile and I have no permissible purpose by law to contact third parties with my private or personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30
Company: DriveTime
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX of 2015 I went into a DriveTime dealership. They advertise being able to assist with low credit situations in which they GUARANTEE vehicle approval based on income. I feel that ever since I set foot into the dealership I was steered the wrong way due to a desperate situation. I am a new father with a XXXX week old newborn. We needed a safe vehicle prior to delivery of our newborn. They preyed on me in this situation and gave me like a 28 % interest rate on a XXXX. Prior to purchase XXXX stated vehicle was valued at about {$10000.00} which drivetime purchased at auction. Vehicle had previous accidents in which the AUTOCHECK report was designed to not tell you all about the accidents. LONG STORY SHORT, I was sold a vehicle at around 22 % interest but only after providing {$2200.00} cash down. The payments are costing me a WHOPPING {$430.00} PER MONTH ON A XXXX!!!! DO NOT GO WITH THIS COMPANY! IF DRIVETIME WOULD LIKE TO ACTUALLY ASSIST ME IN RESOLVING THIS MATTER THAN I WILL GLADLY MARK CASE RESOLVED. OTHERWISE STAY AWAY EVERYONE! THEY WILL TAKE ADVANTAGE OF YOU AND YOUR SITUATION. THEY 'RE QUICK TO REPOSSESS TOO AND THEY WILL CALL YOU A XXXX TIMES THE DAY AFTER A PAYMENT DUE DATE. THEY HAVE ALSO VIOLATED DO NOT CALL LISTS MULTIPLE TIMES IN WHICH I COULD SUE FOR.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
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 just reviewed a copy of my Transunion credit report and found the following information to be an error. You are reporting inaccurate information about accounts reporting to my credit file.

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 2015-09-17
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Late fee

Complaint:
On my XXXX/XXXX/15 Citi card statement I noticed a late fee of {$37.00} and an interest rate charge of {$0.00}. applied to my account on XXXX/XXXX/15. The statement shows a payment of {$60.00} posted on XXXX. An electronically transferred payment! The call rep said she would put in a request to rescind the late charge. She said the payment was received a 'day late '. Citi electronically transfers these funds. Why am I being charged late fees for for funds transferred by CIti? 
I thought the problem was resolved, but my XXXX/XXXX/15 statement revealed otherwise : an additional {$37.00} was ADDED. Each time they gave me a 'dunning ' call they just would n't listen to reason.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-19
Company: Capital Management Services, LP
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
At approximately XXXX on XXXX XXXX, 2016 a company by the name of Capital Management Services called a family member and left a message that they were attempting to collect a debt and left a phone number of XXXX. When the family member returned the call to find out what this was about they asked if she was a relative - they named me - and asked if she lived with me and had a phone number for me. This company has placed calls to my cell phone so they are in possession of a means to contact me. This is an invasion of privacy as well as an attempt to humiliate and embarrass.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: BB&T CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX Date of Inquiries : XX/XX/XXXX Companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX, XXXX Regional Acceptance, XXXX XXXX XXXX XXXX, XXXX, NC XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Vermont, XXXX, XXXX, XXXX XXXX XXXX XXXX hard inquiry done by XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, Texas XXXX, XXXX Dear Sir or Mam : Please be advised that all of the above finance companies did a hard inquiry on my account without my permission. I have drafted a letter asking them to take this off my credit report. After my bankruptcy discharge I received letters from each of them but I did not take any action and apply for any loans for an automobile. Please assist me in getting this taken off my credit. I am trying to rebuild my credit and this is so unfair of these people to drag my credit down again after I tried to make a new start. 

I would be grateful for any assistance you can give me. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Please don't publish my identity.

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 2022-05-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake of banning or closing my Paypal account. I am a freelancer and i chose Paypal as one of my payment options. My Paypal account is aged for over a decade now and it is a kind of embarrassment. 
I want my Paypal account restored so i can continue my business transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: HYUNDAI CAPITAL AMERICA
State: LA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 
15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 section 604 A Section 2 : it as lo states a consumer report agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose

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 2022-05-14
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid off my credit card balance in XXXX of 2022, but I am still being charged interest. I have requested an itemized breakdown of the charges that are accruing interest, and American Express will not provide anything.

Company response to consumer: Closed with explanation