BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am appalled by the inability of the Credit Bureaus to verify the disputed account on my Credit report despite the multiple letters I have been sending to them! How many letters would it take me to send to them in order for the Credit Bureaus to update and correct the status of this account? Once again, I am NEVER LATE in paying with this account. I have my own record of payment history to ensure the data the Credit Bureaus and the creditor present is accurate and not erroneous. The information the Credit Bureaus present does not match with what I have! I am requesting that the Credit Bureaus stop this erroneous reporting and correct this account to report accurate information on my Credit report! The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law : Experian : XXXX XXXX Balance Owed : {$290.00} Date Opened : XX/XX/2020 XXXX XXXX XXXX XXXX Balance Owed : {$290.00} Date Opened : XX/XX/2020 XXXX : XXXX XXXX Balance Owed : {$290.00} Date Opened : XX/XX/2020

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 2022-09-27
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, 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 Fair Credit Reporting act XXXX  Account Number XXXX, XXXX, XXXX, XXXX, XXXX Has violated my rights.15 usc 1681 section 8 states I have the right to privacy 15 usc 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish my account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: LAKE MICHIGAN CREDIT UNION
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX issued a credit with proof attached after XXXX disputes a purchase with them. My bank pushed it off on XXXX and XXXX as to why the credit still after months has not been posted to my account. The amount is {$260.00}. It was credited XX/XX/2022 and XXXX never posted or followed up.

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 2022-09-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I APPLIED FOR FINANCING TO OBTAIN A VEHICLE, THIS COMPANY RAN MY CREDIT OVER 7 TIMES, REFUSE TO APPROVE OR DENY ME THE LOAN BECAUSE I WILL NOT PUT ANY MONEY DOWN, XXXX IS IN VIOLATION OF 15 USC 1611 IN THIS CONSUMER TRANSACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
On XXXX XXXX, 2022 I received a promotion w/ a link from Citibank XXXX for a 12 months No Penalty CD w/ 2.25 APR. The link took me to the bank wed side. I opened the CD for {$17000.00} dollars, ending in XXXX then I realized the CD default in the link was a 12 months Penalty CD w/ 2.00 APR. I called Citibank 1 minutes later, the bank informed me that I need to waited 24 hrs for the CD to show in their system, it was a Friday. I call XXXX, XXXX, Monday 2022 to XXXX XXXX they told me to call XXXX, the agent told me to call XXXX. At the last call they told me that they can not change my CD, because I need to wait 30 days, and I was going to be penalize {$170.00}, even thought I call with in 5 minutes of the CD been opened. This was a misleading advertising by City. First they sent me a link with a promotion and then the link took me to another promotion. In the XXXX XXXX XXXX XXXX XXXX spoke to XXXX ID : XXXX supervisor, refused to give me her last name. 

PS : Be advised that you closed my previous complaint XXXX, under the argument that it was not me.. This is my phone XXXX XXXX XXXX, XXXX, in case you want to contact me. thx

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 2022-09-27
Company: DISCOVER BANK
State: AZ
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:
Please be advised this is my SECOND WRITTEN REQUEST. 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 I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX Fraud Account Thx Delete account XXXX XXXX XXXX XXXX Fraud Account Delete Please Discover card XXXX Not My account please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Southern Auto Finance Co
State: AZ
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:
Please be advised this is my SECOND WRITTEN REQUEST. 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 I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification Safco  XXXX Fraud Account Thx Delete account XXXX XXXX XXXX XXXX Fraud Account Delete Please XXXX XXXX XXXX Not My account please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report 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 2019-08-04
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I see citibank {$770.00} reported from Citibank since 2017 1. ) I never had a credit card account with citibank 2 ) I don't owe citibank {$770.00} 3 ) THis is not my debt. I need this to be removed from my credit report as soon as possible. 

Thank you, 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 2022-09-27
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was turned down by XXXX  XXXX XXXX XXXX due to Lexis Nexis Business reporting. 
I have not been able to get this report, trying numerous times. 
It is my legal right to have access to this report. 
They have a XXXX world company answering their phones for XXXX consumers/business people, I have called them many times and have uploaded all of their information requested and they still won't send my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: CT
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:
XXXX XXXX. XXXX XX/XX/XXXX case was closed with XXXX balance. XXXX XXXX. XXXX XXXX, XXXX for XX/XX/XXXX from the insurance payment balance XXXX settled for XXXX. From XX/XX/XXXX to present the account is considered late and open. 
In accordance with Federal credit reporting Act this creditor credit acceptance has violated my rights under 15USC 1681 Section 602 states that I have a right to privacy. 15USC 1681 Section 604 a section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment under a open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: National Credit Adjusters, LLC
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This was not sent in error XXXX XXXX XXXX  consumer by law at XXXX XXXX XXXX XXXX XXXX  misused at XXXX  I have some false at not 100 % accurate XXXX XXXX XXXX Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Money was fraudulently withdrawn from my Bank of America checking account using the online service XXXX. This happened on XX/XX/2021. XXXX fraudulent withdraws happened that day for a total amount of {$3300.00}. 

That happened around XXXX XXXX that XX/XX/XXXX. I noticed that my phone lost all service for about 30 min. Just after I got my phone service back, I also received an email alert saying I successfully sent money twice through XXXX. 
I immediately called my bank to raise the issue. They froze the account right the way, which prevented third attempt from the same hacker. 
I filled a claim. But bank of America refused to refund my money, stating that the money was regularly transferred using a One Time Code Sent to my phone. This is not true since I did not have the One-Time code set for my account at that time. 
When I contacted my phone service, they confirmed that suspicious activities happened on my phone account on that day and around that time and they provided me with my phone records that show intrusive device using my phone number on that day. 
Despite those evidence I forwarded to Bank of America ; the bank still concluded they will not refund my money. 
I applied all security measured the bank recommended, and still XXXX subsequent hacking happened on my account, for what I called the bank who intervened to stop fraudulent money withdraw. I eventually decided to close my account with the bank. 
I attached to this claim : - My phone records on that date - Bank of America resolution letter XXXX Bank of America Supporting documents.

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 2022-08-01
Company: Chime Financial Inc
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX XXXX XXXX refunded me to my chime account. 
XX/XX/XXXX Chime Received the refund XX/XX/XXXX Called chime to figure out how long it would take them to refund my account. Was told 5 business days. 
XX/XX/XXXX Called chime again and was given a support ticket and was told someone would call me within 2 hours. 7 hours later and several managers/supervisors, I noticed a change on my account statement. It says on the 19th, I overdrafted {$85.00}. I informed them that it was impossible because I can only overdraft {$55.00}. They changed the balance on the report to keep my refund. 
XX/XX/XXXX Another support ticket was created, still NO response about it. 
XX/XX/XXXX On the phone again trying to figure it out, cant get a single person willing to help me, Chime stole my money and altered my statement. They refuse to acknowledge their mistakes. I still dont have my refund. Cant get anyone in the United States, and the same repetitive responses that are simply incorrect. I want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: MI
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:
XX/XX/2022 I the ( consumer ) contacted Equifax consumer reporting Agency in regards to inaccurate information found on the consumer report addresses, names, employment, and inaccurate account reports. Pursuant to 15 U.S.C 1681b ( a ) ( 2 ) consumer reporting agency must have permissible purpose in which they don't have written instruction to make a consumer report by the consumer. I want Equifax to delete all inaccurate information there's also inquires that I didn't benefit from or have any knowledge of whereas no consumer credit transaction was made reporting on the consumer report as well. Delete all inaccurate reports/ accounts within the next 14 days please it is your grave responsibilities to protect the consumer right to privacy. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: CREDIT ACCEPTANCE CORPORATION
State: CT
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:
XXXX XXXX. XXXX XX/XX/XXXX case was closed with XXXX balance. XXXX XXXX. XXXX XXXX, XXXX for XX/XX/XXXX from the insurance payment balance XXXX settled for XXXX. From XX/XX/XXXX to present the account is considered late and open. 
In accordance with Federal credit reporting Act this creditor credit acceptance has violated my rights under 15USC 1681 Section 602 states that I have a right to privacy. 15USC 1681 Section 604 a section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment under a open consumer credit plan 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 2022-09-27
Company: EQUIFAX, INC.
State: MA
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:
XXXX, Equifax, and XXXX are all reporting fraudulent accounts on my credit report. these need to be removed immediately. I have attached the copy of the police report for fraudulent accounts on my report. there are two accounts showing with the creditor being XXXX XXXX XXXX XXXX XXXX there are two accounts with the same balance which is {$310.00} each. One of the accounts is reporting from XX/XX/XXXX, and the other is reporting from XX/XX/XXXX. Please have all bureaus remove these accounts from my credit report immediately. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Albert Corporation
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I received a deposit XX/XX/2022 for my work at a temporary job I got accessing by my uncles XXXX  account. My bank Albert rejected funds on the deposit withdrawal date of the XXXX because the deposit was wrongfully placed in my uncles name. I requested for my bank to send it back to the issuer which is my third party employer which they refused. Even after letting XXXX know about the situation they are unable to access 1099 paystubs for temp workers such as me due to their third party payroll system. I have sent ALBERT information they requested to accept the deposit provided by my employer. My bank Albert has held the deposit still and although notifying them of all my resources available from my employer. The deposit confirmation previous deposits with my name and hours worked. XXXX management conversation an a selfie of my uncle with his ID. I am thoroughly disgusted with the practices and service recieved from ALBERT

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: MoneyLion Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I call to let them know that I never opened account with them. Whoever open the account had several addresses and telephone numbers on the account plus they have two military cards added to the account. They told me they would flag the two accounts as fraud. They would make it impossible for somebody to open up another account in my name. They opened 2 accounts on XXXX & XX/XX/21 of a total of XXXX each.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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:
Bank of America fraud dispute claim XXXX for card number ending in XXXX On XX/XX/22 I received a call in the early evening from BOA asking whether or not I made a series of 5 transactions totaling {$8500.00}. Four transactions were made at one XXXX store and one transaction was made in another XXXX store. I replied that I did not make or authorize the purchases and I still had the card in my possession. The investigation by the bank concluded that I made the purchases since the purchases were made in person. I dispute this and have filed a police report with the XXXX precinct in 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