BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I submitted a complaint regarding this account to CFBP on XX/XX/2021. The complaint number is XXXX. The company resolved my issue. The following month, the company re-created the exact same issue. I contacted the company directly and they agreed to resolve the issue again, which they did. This is at least the third time that the company has placed a promotional balance on my account that does not in fact exist. If they had closed my account either of the prior two times after correcting their error, this third error would not exist. I am requesting that the company again correct their promotional balance error, but this time close my account immediately so that there is not a fourth occurance.

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 2022-06-22
Company: Experian Information Solutions 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:
I submitted a dispute along with a FTC report to XXXX and EXPERIAN on XX/XX/2022 letting these companies know these accounts are fraudulent. They removed these accounts on XX/XX/XXXX and XX/XX/XXXX from my report. These accounts have been re-inserted on my credit report. My federal protected consumer rights are being violated due to the fact these accounts are fraudulent and also according to the FCRA I am suppose to receive a 5 day notice before re insertion prior to doing so and I did not receive anything.

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 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Transunion improperly calculated my credit score ( it dropped XXXX pt in 1 day without any information or substantiation ). Multiple attempts to contact Transunion via phone or website have failed. The XXXX 's online dispute form is broken after submission. 
Given the XXXX 's market position, there is no visible recourse.

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 2023-09-25
Company: Fidelity National Information Services, Inc. (FNIS)
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Emails : XXXX, XXXX Date of Birth : XX/XX/XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Re : Dispute of Fraudulent Account Reporting - Consumer ID XXXX To Whom It May Concern, I am writing to dispute the reporting of a fraudulent account that appears on my consumer report, which is maintained by your agency under Consumer ID XXXX. The account in question was reported for overdrafts by Chex Systems , Inc., and the details are as follows : - Account Holder : XXXX XXXX - Date of Birth : XX/XX/XXXX - Reported Address : XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX - SSN/ID : XXXX - Driver 's License : [ State ] - Date of Closure : XX/XX/XXXX - RTN/ACCT # : XXXX / XXXX - Original Charge Off Amount : {$370.00} - Closure Status : UNPAID - Closure Status Date : XX/XX/XXXX I am disputing this account on the grounds that it was opened without my knowledge or consent due to fraudulent activity. I have not authorized the opening or operation of this account, and I have no affiliation with the financial institution associated with it. 

Enclosed with this letter are documents that support my claim of identity theft and fraud, including copies of police reports and any relevant correspondence with the financial institution. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into this matter and takes the necessary actions to address the fraudulent account reporting on my consumer report. I am seeking the removal of this account from my consumer report and a correction of the inaccurate information related to it. 

I understand the significance of accurate consumer reporting in maintaining the integrity of financial information and protecting consumers from identity theft and fraudulent activity. Therefore, I trust that the Consumer Financial Protection Bureau will give careful consideration to this dispute and work diligently to resolve it. 

Please inform me in writing of the results of your investigation and any actions taken to rectify the situation. 

If additional information or documentation is needed from my end to facilitate this process, please do not hesitate to contact me at the phone numbers or email addresses provided above. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the removal of this fraudulent account from my consumer report. 

Sincerely, XXXX XXXX Enclosures : [ List any enclosed documentation, such as police reports or correspondence with the financial institution ]

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 2022-08-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
on XX/XX/22 approx XXXX I received a text that looked like it came from Chase stating that someone had made a {$5000.00} XXXX  payment from my account and it asked if it was me. I sent a text back no and then immediately got a call from a man identifying himself as an employee of Chase in the fraud department He was talking rather fast but was saying that I needed to take steps in the next few minutes to block the transaction or it could take several months to get my money back. I challenged him about whether he was really from Chase but he told me to look at the number he was calling from and stated it would be the number on the back of my chase business card as customer service. Although I still felt reservations I proceeded to listen to the steps he told me to take. Put my name as the receiver, {$5000.00} in the amount and then gave me a number which he said was my claim number. Every hesitation I had he had a quick come back which kept me in the manipulation. I pushed the final button and he hung up, and I knew I had been scammed. I believe he had some way to read my log in and password because 7 days later a chase amazon card whose number was in my online banking was used to make a purchase at a near by XXXX for over {$1300.00} but chase stopped it. I immediately notified Chase and filed a claim. The Chase employee who talked to me said that I would not be held responsible when someone impersonated a Chase employee. When I called in 8 or 9 days later they told me they were not going to pay me back and that they had filed a claim with XXXX. on the XXXX of XXXX I received an email stating they would not pay. I found information on the Electronic Fund Transfer Act and read about examples of someone impersonating an employee and inducing a consumer to make a payment which was considered an unauthorized transaction under this act. I questioned online with Chase whether this situation fell under this act and received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied and was approved for an American Express Gold Card on XX/XX/XXXX. It was advertised with an offer of XXXX points after spending {$2000.00} within 3 months as well as 20 % back on restaurants within the first 3 months ( see signup.png ). 

My third account statement closed on XX/XX/XXXX and by then I had spent {$2300.00}, which was more than the required amount and within the required time. However, I did not receive the XXXX points or the 20 % back on restaurants. The fourth account statement closed on XX/XX/XXXX and still nothing. I contacted American Express via online chat on XX/XX/XXXX to see what was going on and was told that the welcome bonus was not available on my card due to accounts opened and closed frequently and incentive misuse ( see chat1.png and chat2.png ). 

I opened the account with the intent to use it as my primary card and spent {$7900.00} on it to date. More importantly, I was not told that I would be denied the welcome bonus when I applied for the card, in any of the documentation that came with the card, or in the months while I was spending money on the card to ensure I met the requirements for the welcome bonus. This was ample time for me to be notified of this important information. Instead, it was not until I contacted American Express that I was told of this decision. I trusted that American Express would honor their advertised welcome bonus, but they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Applied for automobile financing at XXXX via Westlake Financial Services and a down payment was requested three times each on XX/XX/2022 and XX/XX/2022, which is a violation of 15 USC 1601, 15 USC 1662 and 15 USC 1691.

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 2022-04-23
Company: Volvo Car Financial Services U.S., LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
When I purchased my lease I was sold by the sales team that XXXX have their value and I could use the equity at the end. Now that my lease is completing I am told that the only way I can sell it is to buy a new a new vehicle with volvo AND it must also be financed with Volvo. The dealerships have conflicting information, and the representatives at Volvo Financial lack empathy and seem to numb to this situation. We have struggled to make the payments, and were planning to utilize the small equity that we had. Now we have to turn in a unit that has equity and then they charge fees to turn in. Then I am sure they are going to charge to recondition. It just seems deceptive and this process benefits 100 % volvo financial. If I could just pay it off there would be no additional fees. I feel as though no one is standing up for the consumer and they have become greedy with inventory issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Experian Information Solutions 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:
I am a victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately.

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 2022-08-19
Company: HYUNDAI CAPITAL AMERICA
State: NJ
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:
KIA motor finance stated that an additional {$500.00} was due on a lease that was always paid on time. The vehicle was totaled and XXXX  handled the case. XXXX  sent payment that was cased ( copy attached ) in XX/XX/2020. Six months after accident due to KIA not sending paperwork correctly. Can have XXXX  provide information on that statement. 
XXXX  said the {$500.00} was not due KIA, I can request phone recordings. 
Attached is paperwork with the {$15000.00} XXXX that is listed on paperwork. There is one sheet that has a higher amount, that does not match the check. My lease sis not have a deductible in the lease. The {$500.00} was paid after KIA bulk reporting several months of late at once and after XXXX  informed me that the {$500.00} was not due to KIA. KIA says they can not remove the reporting, in actually they can. Nothing was late. The was a discrepancy with a deductible that has been paid so stop the bad credit reporting XXXX  said not too pay. KIA emailed a letter with different numbers, we paid the {$500.00}

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 explanation
Consumer complaint received 2022-08-19
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: Old information reappears or never goes away

Complaint:
I have numerous Inquires that need to be removed hard and soft - and also a Bankruptcy that needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I have numerous Inquires that need to be removed hard and soft - and also a Bankruptcy that needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
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: Account information incorrect

Complaint:
You are in Direct Violation of the Fair Credit Reporting Act - XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A, Clearly states that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer can not furnish an account without my written instructions.

15 U.S.C 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 Remove these late payments and update this account immediately as you are in direct violation of serveral laws under The Fair Credit Reporting Act.

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 2023-10-03
Company: Experian Information Solutions Inc.
State: TX
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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-05-12
Company: EQUIFAX, INC.
State: NC
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 one of several attempts I've made to inform credit bureaus that I've been the victim of identity theft and that I want to check certain entries in my files that the fraud has left behind. The documents I'm looking at have nothing to do with any purchases of products or services or financial transactions that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: U.S. BANCORP
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I'm really very upset at U.S. Bank. 

On or around Monday XX/XX/XXXX I was trying to login to my online banking, using the same username / password I always use and is saved in my password manager. After experiencing problems, I called the number on the screen with the error message that my 'Username had been disabled '. I have no idea why. 

The First agent was unwilling or unable to validate me b/c I didn't have my full account number available, and didn't know the date I 'opened the account '. My wallet and card were in my car, and I don't receive or keep paper statements. No other bank asks for this. 

They were rude, and unhelpful. So I called back, and got the same runaround. Was willing to answer ANY other security question, or provide personal information. Didn't help at all. The next day, I went to get my wallet and US Bank Visa to provide the information. 

Today ( Wednesday XX/XX/XXXX around XXXX PM ) I called a different number on the back of my card, and explained this. She had me try to login again from a new browser, which initially worked just fine, and asked me to change my password which I did and as part of this had to enter a code sent to my mobile phone, which worked initially. 

However, when trying to login again it gave me the same error. That my user ID had been disabled. She then transferred me to 'Web Support ' who proceeded to explain my User ID had been disabled *today* ( even though I've been getting the error for 3 days ) and that I would have to call back Friday to try and resolve this... What???? 

I asked *why* my UserID had been disabled in the first place, when all I want to do is make a payment on my account and my car payment... She could not give me an answer, other than call back Friday. I asked to speak with a supervisor, but she told me even a supervisor could not do anything. 

So now I've wasted at least an hour of my time ( *Worth $ XXXX {$1000.00} ) and have gotten nowhere ... To make matters worse, I have to call back on Friday and attempt to resolve this again, when I've done nothing wrong to cause any of this. It's incredibly frustrating.

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 2023-10-12
Company: TMX Finance LLC
State: IL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
I was in dire need of money to pay for rent, so on XX/XX/XXXX I went to TitleMax in Wisconsin where they gave me a loan for {$2500.00} against my XXXX XXXX XXXX XXXX. In XXXXXXXX XXXX  XXXX I called XXXX to find out how much my the pay-off amount would be for my XXXX XXXX XXXX and to my surprise it was more than what I had actually borrowed even after making 6 months worth of payments to them. I didn't understand why it was so much since I was paying them {$310.00} a month, but obviously the monthly payments I was paying for went to the excessive interest TitleMax was charging me and nothing was going towards the principal amount of the money I had borrowed against my vehicle. In XX/XX/XXXX I had XXXX XXXX and was off for XXXX weeks and my financial situation took a turn for the worst. Anyway, I wasn't getting a paycheck and things got behind to were I wasn't able to make my payments to TitleMax. Now, my children and I have been displaced and I am three months behind in paying for my vehicle and fear that they will repossess my car making it difficult for me to find a way to support my children and I. I have called the Illinois Attorney General office for help but they stated that TitleMax is no longer located in the state of Illinois and because of that reason they couldn't assist me, since they didn't have jurisdiction over them in Wisconsin. I also have another vehicle in for rent on XX/XX/XXXX from the same TitleMax in Wisconsin that was used as collateral. It's a XXXX XXXX XXXX that is jointly owned by my boyfriend who not only has major XXXX XXXX, but was on workmans comp from XX/XX/XXXX until XXXX which is behind and in danger of repossession as well, which he uses to get back and forth to work. The loan situation is the same excessive interest rate with the monthly payments not going towards the principal amount owed. Both vehicles are in my name with TitleMax, with my boyfriend signing a release form for the title of the XXXX XXXX, since it's jointly owned.

Company response to consumer: Closed with explanation