BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-23
Company: CURO Intermediate Holdings
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2021 age of account a year and four months from speedy cash can debt collectors have been contacting me they woke me up while I was sleeping they call me at night time when I was trying to put my little girl to bed and they keep harassing me about money from four years ago or more Also the time that they said I had the loan I was incarcerated And theyre saying that it was a year and four months ago which is IncorrectAnd they put the account with the negative pay status and its messing with my credit that Im working so hard trying to build up so I can be able to afford a better place for My little girl and I to move to

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid Comenity credit card with a bank check ( XXXX # XXXX {$1800.00} ). The bank check was to pay off Comenity and move balance to my bank credit card. Comentiy received the check on XX/XX/2022. They applied the check and then immediately disavowed the check and charged me fees. I was able to speak to a Comentiy representative and they did not know why the check had been disavowed but said they would research and get back. They DID NOT. I used the email system on the website and was told to call them. I have called them more than 10 times. You press all the buttons and then the system hangs up on you. 

I contacted my bank, and they could not understand why the check was disavowed. I have been waiting for them to call back with the reason the check was disavowed. Still waiting. 

I sent another check # XXXX on XX/XX/2022 by registered priority mail. The bank check is good only until XX/XX/2022.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: NC
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 pulled my XXXX  report. Looking into that after seen XXXX late payments on Experian. I called my XXXX  where I received the loan for my car. I see Experian say I owe XXXX, XXXX has I owe XXXX and XXXX says I owe XXXX dollars on my car loan. All info is incorrect which is messing up my credit score. I only owe XXXX. However, I have sent out to bureau and the information still shows inaccurate. Still continuing to report errors on my credit report, which is causing damage to my credit. I requested an investigation and they have failed to correct the errors.

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 2023-11-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to dispute erroneous personal information and unauthorized inquiries that are reported on my credit report. I never authorized the listed items and therefore them reporting on my credit constitutes a violation of my consumer rights to privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX  ( Account Number : XXXX, Date Opened XX/XX/XXXX, Balance {$0.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$860.00}, original creditor XXXX XXXX XXXX XXXX ), XXXX XXXX  ( Account Number : XXXX, Date Opened XX/XX/XXXX, Balance {$7500.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal 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 non-monetary relief
Consumer complaint received 2022-10-17
Company: TD BANK US HOLDING COMPANY
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX my bank, XXXX XXXX  XXXX XXXX, AR, overnighted a cashiers check to TD Auto Finance for the amount of {$32000.00}. The tracking number of XXXX shows that it was delivered on XX/XX/XXXX. Approximately XX/XX/XXXX I checked my online account and the payment hadnt been posted so I called to check on it. I was told to call back within the next XXXX days to check. I was told this every few days over the course of XXXX weeks. At the end of week XXXX I started pressing harder when I called because I was tired of the runaround. I provided all of the information requested ( MULTIPLE TIMES ) such as the tracking number and address it was delivered to. I was told more than once a ticket would be opened with the payment department and it would be investigated. It has now been over XXXX weeks since the payment was received. My payment is overdue ( it was due on XX/XX/XXXX ) and the payoff amount is well past the ten day payoff quote that was sent. Im also afraid its going to affect my credit score. I need to be in touch with someone who can handle this and quit giving us the runaround about losing our payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am an account holder with Chime, and I reside in South Carolina. On XX/XX/2022, I found a charge of {$220.00} on my checking account. I did not recognize this transaction at all. At the time, I was at my job, and knowing this had to be a fraudulent charge, I went and purchased a soda so that when my account would be investigated later, they would see purchases throughout the day coming from SC, which would make the fraudulent transaction appear abnormal to them. 

I contacted Chime, and they found the transaction was made at XXXX XXXX XXXX # XXXX at XXXX XXXX XXXX. XXXX, KY XXXX. I was instructed to wait until the transaction was officially posted, so that I could file for a dispute. On XX/XX/XXXX, I called Chime customer support to file the dispute. I provided the information that was asked of me, and was told they would investigate my claim. That same night, I received an email that they concluded there were no fraudulent charges, and that I would not be receiving a refund. 

On XX/XX/XXXX, I emailed Chime customer support, with a detailed description of the events, including images showing dates, time, and purchases, that would seemingly prove I was not the one that made the {$220.00} charge to my account on XX/XX/XXXX. On XX/XX/XXXX, I received a response that I had provided no new evidence to support my desire to reopen my case. They offered to send me the documentation of their investigation, which I accepted. 

On XX/XX/XXXX, I received their documentation. They did not reach out to the merchant at all during their investigation, which appeared odd to me. Their evidence reads as follows : no account takeover hallmark, disputed transaction is card present transaction process without any fall back errors or suspicious decline codes associated with the disputed transaction, balance exhausted but not over to the XXXX XXXX which suggest that cardholder is aware of the XXXX XXXX, there is a frozen and unfrozen of the card ending within the disputed transaction, no fraud alert, cardholder has funding event prior the disputed transaction through card to card. I did not feel that this was enough evidence to support their decision, especially as several pieces of my evidence directly contradicted their evidence. 

On XX/XX/XXXX, I reached out to Chime support to raise my concerns over the validity of their investigation. I received a generic response claiming they would open the investigation if there was new evidence. On XX/XX/XXXX, I made one final attempt to contact Chime support. I requested that my email reach someone with the authority to help me with my case. I made myself clear that if I did not get a response from someone willing to help me, that I would file complaints to the CFPB, as well as any other applicable institution. I received another generic response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: CITIBANK, N.A.
State: CA
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:
I was hospitalized in XX/XX/2020 with Covid19 and was unaware that I became late on my XXXX XXXX account. 
When they contacted me to inform me I was late I immediately paid them. 
I requested that they remove the late payment from my credit report because I was a victim of Covid19, but they refused.

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 2020-10-17
Company: Prince Parker & Associates
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was denied a per-approval because of inaccuracy on or about XXXX. 
Between XXXX and XXXX, I requested copies of my credit report and noticed an inaccurate collection from Prince Parker and Associates in service with an XXXX XXXX XXXX collection of {$950.00}. 

On XX/XX/XXXX, the following letter and Certified Mail Receipt XXXX was mailed in response to challenge the validity and requested physical copies and any bearing of my signature. 

To date, XXXX XXXX and XXXX have refused to update this inaccuracy with the credit agencies and haven't provided me any evidence set fort the details of my letters to them. 


On XX/XX/XXXX an official sworn police report was filed with Summit Police Dept XXXX XXXX XXXX XXXX XXXX IL XXXX *Incident # XXXX for Fraud/Identify Theft On or about XX/XX/XXXX a second Dispute with Police report attached was sent to credit bureaus such as XXXX USPS Certified Mail Receipt XXXX On or about XX/XX/XXXX a regular letter was sent to Prince Parker with the additional evidence for Fraud/identify theft and REQUESTING AGAIN for proof of physical documents bearing my signature and validation of documents or service obtained.

Today, I will be sending a 3rd request to Prince Parker and Associates to correct and remove this collection and that all credit bureaus are updated on this inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Comerica
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My atm/XXXX  was in my possession was not lost or stolen and US Direct Express Debit Master card issued by Comerica Bank XXXX Notified them on XX/XX/2022 of unauthorized electronic transfers from my account. I did not notice the money was missing until I tried to make a ATM withdrawal on that day. Direct Express said they would send me a new card and paperwork to fill out within 10 days and be provided a provincial credit if I returned the forms within the 10days. I did not receive the paperwork to fill out for the fraudulent activity until XX/XX/2022 which was 15-days and went to fax the documents to XXXX  on XX/XX/2022 but it would not go through and was going to cost me {$31.00}. I called XXXX  and they said I could email the documents, ( I asked if the documents could be emailed to me to fill out on XX/XX/2022, but they can not email me, I can only email them ). I sent all the documents they requested back to them on on XX/XX/2022. I called to find the status of my claim 10 days, 20 days and was told it was still under investigation. Needless to say I was never given the provincial credit nor was the amount on the initial documents for around {$600.00} less than the actual fraud on my account. Before I received a answer on my claim XXXX  sent me their brochure stating they were required to send me one every year, which I never received until now. My claim was denied via mail with out explanation 45 days after I filed. I disputed the decision and was told it would take 48 hours to get the answer. On XX/XX/2022 I was told my claim was still denied. I am a representee of a XXXX XXXX  child, and he lives on a very limited amount of money ( {$560.00} a month ). Direct Express allows someone to steal over {$800.00} out of his account which is in my name via XXXX XXXX  in the increments of {$2.00}, {$4.00}, {$9.00}. One would think if I have never paid a XXXX XXXX anything let alone spend every cent in my account this is fraud. This is not the first time Direct Express has allow a unknown entity without my card to steal money from me, it was not with XXXX XXXX  but XXXX XXXX last year. I can not see how when a person steals money from Direct Express via my account they hold me accountable. They actually let some one steal money from them, I should not be held accountable if they have a security breach.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-19
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Had a mortgage with USBank, they recommended opening a checking and savings account too. While opening these accounts, the branch staff in XXXX XXXX, CA branch specifically promised me that there would not be monthly maintenance fees. 
During summer of XXXX, I refinanced my mortgage loan. 

I rarely used but maintained about {$3800.00} in checking and about {$25.00} in savings. 
Then USBank silently started charging {$24.00} per month on my checking. 

I realized just last week that {$200.00} have been taken out of my account and on top of it they had made the account dormant too. 

So in summary for a dormant checking account, USBank was doing a daylight robbery of {$25.00} per month citing maintenance! 

I tried to reason with local branch manager and their telephone support, after much persuasion, they reversed just the last 3 months.. thereby keeping the loot of 5 months. i.e. {$120.00} still remains with USBank. 

Requesting CFPB to kindly work with USBank and recover my money back. With pandemic, I am barely recovering lost finances. Any help from CFPB is much appreciated. 

Thanks and Regards XXXX XXXX, XXXX ( cell ) 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 2023-05-20
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 Report Act XXXX, Account : 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 an account without my written instructions.

This account is a fraudulent account, Legal action will be taken against this company to solve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2023-09-29
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting 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.

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 pulled my XXXX  report. Looking into that after seen XXXX late payments on XXXX. I called my XXXX  where I received the loan for my car. I see XXXX say I owe XXXX, XXXX has I owe XXXX and Transunion says I owe XXXX dollars on my car loan. All info is incorrect which is messing up my credit score. I only owe XXXX. However, I have sent out to bureau and the information still shows inaccurate. Still continuing to report errors on my credit report, which is causing damage to my credit. I requested an investigation and they have failed to correct the errors.

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 2023-09-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2023-09-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/2022 but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The accounts listed below are still reporting on my Credit Reports and need to delete immediately : Original Creditor : ) XXXXXXXX XXXX  XXXX XXXX XXXXXXXX

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