BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: NJ
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 HAVE SEVERAL TIMES DISPUTED THIS ITEM LISTED AS A REPOSSESSION ON MY CREDIT AND THIS COMPANY HAS DONE NOTHING TO INVESTIGATE WHO OBTAINED THIS LOAN UNDER MY NAME. I HAVE NEVER OPENED AN AUTO LOAN WITH XXXX XXXX XXXX XXXX AND IN FACT WAS XXXX  AT THE TIME THE LOAN WAS OBTAINED. ALL THE COMPANY DOES IS RESPOND THAT MY INFORMATION WAS CORRECT USED FOR THE PURPOSE OF OBTAINING THE LOAN WHEN IM TELLING THEM IT WAS IN FACT NOT ME WHO DID IT. I NEED THIS TO BE RESOLVED IMMEDIATELY. I ALSO HAVE TRIED TO CONTACT THE ALLEGED DEALERSHIP WHERE VEHICLE WAS OBTAINED AND HAVE NOT EVER RECIEVED A RESPONSE OF ANY KIND.

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 2022-08-29
Company: EQUIFAX, INC.
State: NJ
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 HAVE SEVERAL TIMES DISPUTED THIS ITEM LISTED AS A REPOSSESSION ON MY CREDIT AND THIS COMPANY HAS DONE NOTHING TO INVESTIGATE WHO OBTAINED THIS LOAN UNDER MY NAME. I HAVE NEVER OPENED AN AUTO LOAN WITH XXXX XXXX XXXX XXXX AND IN FACT WAS XXXX AT THE TIME THE LOAN WAS OBTAINED. ALL THE COMPANY DOES IS RESPOND THAT MY INFORMATION WAS CORRECT USED FOR THE PURPOSE OF OBTAINING THE LOAN WHEN IM TELLING THEM IT WAS IN FACT NOT ME WHO DID IT. I NEED THIS TO BE RESOLVED IMMEDIATELY. I ALSO HAVE TRIED TO CONTACT THE ALLEGED DEALERSHIP WHERE VEHICLE WAS OBTAINED AND HAVE NOT EVER RECIEVED A RESPONSE OF ANY KIND.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I requested a copy of my report but did n't recieve it

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 2020-02-18
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied online for a loan a year ago. The amount of the loan was {$2000.00}. I been paying this loan for almost a year. I pay $ XXXX  monthly. I called the company to see how much was the balance of the loan. And they told me it was {$2000.00}, i asked how come is still the same balance if its been a year and they told me all this time I only been paying interest of the loan. And I only pay {$4.00} fo the loan balance and the rest of the money goes to interest. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am natural person, consumer as the term is defined under the Equal Credit Opportunity Act and Fair Debt Collection Practices Act. I am filing this complaint for credit discrimination as aggrieved applicant against American Express for deprivation of right to credit as creditor in accordance with the Truth in Lending Act. I am submitting this complaint without any third party. I extended my consumer credit to American Express via good and valuable consideration of completed application form in exchange for consumer product XXXX XXXX XXXX American Express Card offer accepted for open-end credit for consumer purposes only. I have been negative impacted unfairly in my personal family and household affairs as I could not obtain the credit device as financial aid to acquire consumer goods, I also could attend my maternal siblings XXXX granduncle 's funeral legendary ceremony properly as I planned as a result of the unfair and deceptive act American Express adverse action letter dated XX/XX/2022, referenced as XXXX allegedly due to XXXX score obtained from XXXX based on unverifiable and uncertified rumors in bad faith 15 U.S. Code 1641 ( b ) - Liability of assignees. The disapproval is unfair, deceptive and discriminatory. This is a clear violation According to Title 12 CFR 202.9 ( 3 ) ( b ) ( 2 ) Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient and i request good faith reconsideration

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF 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 explanation
Consumer complaint received 2017-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
1st Bank of America is the worse amount other major bank to do banking with. 

2nd Especially, with servicing small business 3rd Real scenario, I withdrawn {$2500.00} to pay a client in XXXX, yet find out they only accept Checks, so I wrote the check and leave the CASH in my pocket, and at the end of the day I am dragging my tire body to deposit the CASH back in. However, the check I wrote was bounce. That meant the check goes faster than myself 4th 2nd case, at XX/XX/XXXX I saw there is a check that I wrote trying to go in my SBA acct. which will negative my acct about {$2000.00}. This is at XXXX Pacific time, so I called the SBA direct line, the BOA rep. informed me that I have to bring the CASH in the branch before XXXX, and have to call in to inform them to force it thru without bounce the check. 

Now, all banks open at XXXX so I went to XXXX withdrawn the CASH, go to BOA just a  mile away and deposited at XXXX. 

Then, I started calling the SBA XXXX # from BOA, and also waited in-line for the customer service personnel in BOA, they start service me at XXXX. Helped me calling in their internal banking system, while I still waited with my cell phone trying to get thru. 

They BOA internal people gave the answer to the branch bank " it is passed XXXX there is nothing we can do ''. The banker said they deposited before XXXX just having hard time get thru. 

Now, at XXXX I finally got thru with my cell phone, and asking the same question, the BOA said the same answer, passed XXXX nothing can be done. I told them I deposited before that, and trying to get to you guys ... 

What kind of bank is this .... 

Anyway Name : XXXX Phone : 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 2022-08-29
Company: EQUIFAX, INC.
State: FL
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: Problem getting your free annual credit report

Complaint:
In accordance with FCRA 15 U.S.C. 168, I am entitled to a free credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 contacting you about the compromising of my social security number. I am a victim of Identity Theft. My cellular phone was hacked, someone accessed my online accounts and these fraudulent inquiries were made. I contacted the police department and obtained a police report # XXXX which is attached. Please remove these fraudulent inquiries off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 


2. The inquiry was not authorized XXXX XXXX Date of XXXX : XX/XX/2022 Please remove it from my credit report. 


Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Sincerely, 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 2022-08-29
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Golden 1 credit union told me to go to the bank with the person name on the check to release funds I went there handed them the letter over yall send me and they said they could not find the account I will like them to disburse my funds or I would have to take legal actions Attached is the letter they send to me which was a lie they need to stop telling fabricated stores and refund my funds thats left in my bank account that is clearly not theres I can be reached at 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 2022-08-29
Company: Netspend Corporation
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 early in the morning, my debit card and cell phone were stolen from me by a man I had met only 2 days before. I had gotten him gas, so he had the PIN number. He left me in a city I am unfamiliar with and I did not have my phone. I was XXXX assaulted that day and was in the hospital while charges were taking place. After I was released from the XXXX  I checked myself into a program called XXXX at XXXX XXXX. Only then did I see that my card had been used and my money wiped out. I canceled it on XX/XX/2022, but it was too late. Due to the severity of the attack, I did not have the strength to call the bank until XX/XX/XXXX and spoke to a woman about the charges. I was able to identify the last time I had used the card, and the charges that took place after it was stolen. After almost 2 weeks I reached out to see what was going on and I was told that the claim had been denied due to the fact my pin was used and that I had notifications set up. But again, my phone was stolen from me so I had no way of seeing these charges. I filed a police report and sent it to them, I let them know that the charges were from an ATM and that they have cameras that could see that it wasnt me pulling out my money. I disputed the claim twice and was still told it was denied. I was told multiple times that someone would be in contact with me and I never heard from them. I then received a letter in the mail that listed charges not even related to the claim that had said they were denied. I filed a complaint with the XXXX and finally heard from someone XXXX XXXX and he told me there would be another investigation. This person sent the XXXX a letter letting them know that the issue was solved, which it wasnt. He let me know that the claim did not rule in my favor. The XXXX gave me a link to file a complaint with The Texas Department of Banking, which was completed and sent out on XXXX XXXX. Losing {$860.00} may not be a lot to some people, but for me this was devastating. After the attack I had to quit my job and enter treatment. My son and I are starting over and without this money we dont have much to start out on. After everything that happened I am astonished that my money was stolen from me and then I was treated like I was committing fraud.

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 2017-08-30
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
TO WHOMSEVER IT MAY CONCERN : Dear Sir/ Madam, As we were in the process of buying house, there were five individuals that were involved in the process as shown below : ( 1 ) Attorney : XXXX XXXX , Email : XXXX, Phone : XXXX. 
( 2 ) Realtor Name : XXXX XXXX, Email :  XXXX Phone : XXXX. 
( 3 ) Title company e : XXXX XXXX XXXX XXXX XXXX XXXX. , XXXX XXXX XXXX XXXX NJ XXXX. 
Phone : XXXX, email : XXXX. 
( 4 ) Mortgage company : XXXX XXXX XXXX , XXXX., XXXX XXXX XXXX XXXX XXXX NJ XXXX, phone : XXXX Email : XXXX ( 5 ) Buyer : XXXX XXXX XXXX, Phone : XXXX. Email : XXXX ( old ), XXXX  ( New ). 

About one week before the closing I got an email from our attorney which included the wire Transfer instructions as an attachment. During my email conversation, I mentioned that I would prefer to come with certified check instead of wire transfer, but I was instructed to do a wire transfer in order to facilitate a smooth closing. Then I accepted to do the wire transfer on Friday XX/XX/XXXX, but due to my busy schedule at work that Friday, I was unable to do the wire transfer on that Friday. Later, I replied I will do wire transfer on XX/XX/XXXX, Saturday. 
During these conversations, I had found another email sent from XXXX XXXX, XXXX ( the title company ) which was sent to XXXX. That says We would advise to use the attached Chase Trust Account, since our XXXX XXXX XXXX will be going through Bank Audit this weekend to avoid any delay. According to the instructions provided in the attachment from XXXX XXXX email, I did a transfer of {$83000.00} to the chase account provided in the attachment of the original e-mail sent by XXXX XXXX email ID, ( XXXX  ), which was later discovered to be a fraud bank account. 

In Summary, I am a victim of FRAUD WIRE TRANSFER SCAM, in which I have lost {$83000.00} of hard earned money which we had collected in last several years. I would appreciate for you to help me regarding this matter. 

Thanking you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
XX/XX/XXXX at XXXX XXXX Coinbase sent a message that they were restricted my ability to Buy & Sell Bitcoin because they say I was reselling of digital currency via other services. 

XX/XX/XXXX XXXX I opened a support ticket [ Case ID : XXXX ] requesting my limits to be restored since I have never resold digital currency via other services. 

XX/XX/XXXX XXXX I downloaded a full history of my transactions that contains questionable transactions that do not belong to my account and attached for report to the support ticket. 

XX/XX/XXXX XXXX Requested for ticket to be reviewed and resolved. 

XX/XX/XXXX XXXX Received a message that my limits have been increased but the Coinbase system does not reflect the change. I updated the support ticket with this confusing message from Coinbase. 

XX/XX/XXXX XXXX Requested for ticket to be reviewed and resolved. 
Also direct messaged XXXX XXXX on XXXX Also private messages XXXX on XXXX XX/XX/XXXX XXXX Requested for ticket to be reviewed and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, 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:
In accordance with the fair credit reporting act XXXX XXXX XXXX {$1800.00}, has violated my rights. 

15 USC 1681 SECTION 602 STATES I HAVE A THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER reporting agency can not FURNISH AN 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 PLAN AS LATE FOR ANY PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Company : Navy Federal Credit Union ( NFCU ) At the time we applied for XXXX XXXX XXXX XXXX card, appx. XX/XX/XXXX, we were eligible for a promotional balance transfer rate of 0 % for 12 months. When we received the card, appx. XX/XX/XXXX, we called to inquire about how to take advantage of the offer and were told to initiate the balance transfers online through our NFCU account and the promotional rate would be automatically applied. We were never told that the promotional rate was nearing expiration and were never notified the promo rate had expired when the balance transfers, in the amounts of {$12000.00} and {$10000.00} ( total {$23000.00} XXXX posted to the account appx XX/XX/XXXX. 
We did not discover until just a few days ago when I went online to schedule a payment, appx. XX/XX/XXXX that the promotional rate was never applied. I only noticed this when the balance seemed higher than it should have been. It took me several minutes to navigate their online system to find my statement, but when I did locate it, I saw there was no promo rate. When we called to inquire, we were told we had to submit a formal request/grievance for an exception, which after indicating it " probably wo n't be a problem to fix it, '' we were notified today, XX/XX/XXXX was denied. Their reasoning was 60 days have passed since our balance transfer was initiated so they were not honoring their offer. 
We feel this is unacceptable. We were not notified at the time we called to ask about how to take advantage of this offer that the offer had expired or was nearing expiration and thus followed the instructions we were given by NFCU staff. We were also told at the time we spoke to a representative that if we had any issues with the promo rate not applying automatically, to call and it would " be taken care of, '' which we did immediately. Then, after we were told it " probably wo n't be a problem to fix it, '' they denied our very reasonable request. 
We feel we have been essentially duped into paying HUNDREDS OF DOLLARS in interest and I have notified NFCU that I am submitting a formal complaint with the consumer financial protection bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX {$7400.00} fraud remove i been asking to get this remove for a XXXX XX/XX/XXXX {$2600.00} fraud remove i been asking to get this remove over a yr XX/XX/XXXX {$6300.00} fraud remove i been asking to get this remove over a yr XX/XX/XXXX Paid, Closed. {$1.00}, XXXX written off fraud Paid, Closed remove XX/XX/XXXX remove fraud XX/XX/XXXX removed fraud XX/XX/XXXX {$7.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$8.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
In XXXX my husband and I traded in a XXXX XXXXXXXX XXXX for a newer vehicle. XXXX in XXXXXXXX XXXX is the place we traded at. Credit Acceptance Corp is still calling my number and and my credit score has gone way down because they keep saying we are late with the payment even though we no longer have the vehicle and XXXX was supposed to take care of this. I want Credit Acceptance to cease calling me and repair my credit as we no longer have the 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 2017-08-30
Company: EQUIFAX, INC.
State: AL
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 submitted a dispute of 4 public records currently being reported on my equifax credit file. Equifax came back and said the public records were verified and that they are reporting correctly, they also reported that this information was received from XXXX. I contacted XXXX XXXX and spoke with the customer service rep who stated that equifax had not requested a copy of my consumer file. The customer service rep at XXXX XXXX stated that my consume file with XXXX was and has been frozen since XXXX  2017- and that it was not possible for equifax to obtain the information from them. This file with XXXX is frozen due to inaccurate information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
U.S.C 1681 section 602A.STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A STATES 2 : IT 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