BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-19
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I made purchases from a merchant XXXX on XX/XX/23 & XX/XX/23. Neither of these were received by me. Once I reported this to the merchant I couldnt get any assistance from them so I went to my bank, Chime, to dispute the charges one for {$110.00} & {$91.00} respectively. I have called countless times to the bank Chime and the merchant as they both continue to point fingers at one another. I was asked to wait until XX/XX/23 to get my money back to allow the bank time to investigate which would be acceptable if the merchant hadnt already admitted fault and tried twice to process a refund. When I disputed the charges with the bank the representative haphazardly reported my card lost or stolen despite my saying that the dispute was surrounding a purchase where merchandise wasnt received and the merchant was unable or unwilling at the time to refund my money. Had the bank representative correctly categorized my claim Id have been refunded by now, two months later. In the subsequent time the merchant has recognized the error and admitted it in writing and attempted to resolve it but the bank, Chime, has yet to refund my money even with two different emails from said merchant admitting they were at fault. Im at my wits end with the back and forth calls and run around Im given from the bank and they continue to site this mythical investigations team, who can not be spoken with, that is to make the decision. Needless to say they denied the initial dispute citing they found no evidence of my claims validity even with the evidence from the merchant directly. The cascading failures of this bank confirmed to fall in my lap and I simply want my money back so I can end our relationship while trying to avoid litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Balance : {$9200.00}

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 2023-03-20
Company: Experian Information Solutions Inc.
State: TN
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:
XXXXredit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in 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 2023-11-20
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I contacted FASFA on XX/XX/XXXX and asked for alternative payment options to lower my monthly bill. The PAYE monthly amount of {$810.00} is unaffordable at this time. They recommended I apply for the Graduated Repayment Plan - this afford a lower monthly amount of {$410.00}. The application and request was completed. They said I should hear about the update in 3-5 business days. On XXXX  I received an electronic message from Mohela that an automatic withdrawal of {$810.00} would be taken from by bank account on XXXX. I called Mohela on XXXX to speak to a representative. I waited on hold for over an hour. When I finally got to speak to a representative they were undergoing training and were unable to locate my complete FASFA Graduated Repayment Plan request. I was put on hold for another 45 minutes. The second representative made me reapply for the Graduated Repayment Plan. I completed the submission with her over the phone. I was then told I would have to go on an administrative forbearance while my application was processed. On XX/XX/XXXX I received an electronic communication from Mohela " Repayment Options '' with detailed estimate of my Graduated Repayment Plan payment amount and schedule. No action was required. On XX/XX/XXXX I received an electronic communication from Mohela saying an automatic withdrawal of {$810.00} would be taken from my bank account on XX/XX/XXXX and that my administrative forbearance is expiring on XX/XX/XXXX. On XX/XX/XXXX I received an electronic communication from Mohela saying my Graduated Repayment Plan request was denied. The reasoning stated Consolidation Loans were ineligible. I did not authorize the consolidation of my Student Loans. I am unable to afford the {$810.00} monthly payment. I work a full-time job Monday-Friday from XXXX XXXX XXXX and can not afford to sit on hold for hours. Mohela has been unable to provide me with accurate clear information on my repayment options.

Company response to consumer: In progress
Consumer complaint received 2023-05-02
Company: Exeter Finance Corp.
State: MS
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:
There is a discrepancy of a late payment for my Exeter account. For my XXXX and XXXX account, it is stating that I was 30 days late only in XXXX. However, for XXXX, it is stating that I was late 30 days in XXXX only. 

Also, there is a discrepancy in the balance of my loan amount. For XXXX and XXXX, it is showing a balance of {$19000.00}, but for XXXX the balance {$19000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
These inquiries are fraudulent and not associated with me. I have no knowledge of them. Please take immediate action to address and remove them from my credit report. Supporting documents have been attached for your reference.

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 2023-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
I have been unsuccessfully trying to dispute ALL these fraud charges for over a year since XXXX when i first inquired about these charges with Bank of America to XXXX starting the dispute. I have been a victim of identity theft and its effecting my business, banking relationship, and cash flow tremendously because im still making payments and on the hook for charges I didnt do. My cards were stolen and its been plenty of charges made that i am paying for to remain current client with BOA that I didnt do. Everytime we do an investigation the problem is BOA 's fraud department can only look back one year so the majority of charges are not even seen by rep anymore. Also when i first started this dispute the charges could be seen but you have to wait 90 days for an answer on disputes and its no inbound calls to this department to sort out so here i am another year later still disputing this because I cant talk to anyone in department. All the fraud has been removed from previous disputes on same matter and charges have been ruled fraud that they could see and investigate but the issue is the charges started in XXXX and they are not able to be seen now by representatives. When i started this dispute the charges werent properly input so I had to wait 90 days and dispute again, so then even less charges were able to be seen from the past. This is why im reaching out I tried to resolve with the merchants but i cant resolve because i cant get information on account I didnt create to authenticate the charges all i can do is prove they were done on my card. Literally every transaction they investigated has been deemed fraud and that i didnt do it and its been adjusted on my account from my previous disputes about this same matter except the charges from past in XXXX the representatives cant see anymore. Attached are all charges between XXXX XXXX that have occured that have not been addressed due to bank of america back end system only showing XXXX month in review. 

Merchants that fraud came from are ALL charges from XXXX, XXXX, XXXXXXXX XXXX XXXX ends in XXXX my open fraud case is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-13
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: SANTANDER HOLDINGS USA, INC.
State: MA
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:
At the end of XX/XX/, I went in bank to get in my safety Deposit box to take out some savings bonds. I was told that I could not get access because they are going through the abandoned boxes. I did say that I had my box for many years ( 25 years ) and paid for it every year. That was when I found they were discontinuing the safety deposit box at the end of year. I was allowed to go into box in about an hour latter. Everything seemed fine but the girl had trouble with the lock on my box. I told them that I would empty box in XXXX when my yearly rental would end. I went back in XX/XX/XXXX  and XXXX XXXX took my keys ( 2 ) and put in his pocket. I am not sure if he took the keys out of his pocket or it opened without my key, but he got in my box. I emptied it out and went home. I then discovered I Had 2 valuable antique diamond rings missing and XXXX old ( XXXX ) silver dollars missing out of XXXX silver dollars. I keep thinking it must be in there so I kept looking again and again and again. But no luck!!!!! I also had upcoming total XXXX XXXX in XXXX XXXX. I was also thinking about that. 
After my XXXX and XXXX, I spoke to XXXX XXXX XXXX XX/XX/XXXX ) at Santander customer service and she would start a case. On XX/XX/XXXX an XXXX XXXX XXXX ( XXXX ) called me to listen to my complaint that I thought someone had thought my box was abandoned and went through it and took my valuables. I asked them to look at the camera video of anyone going into my box. Cameras don't lie but people do. 

On XXXX I finally talked to XXXX XXXX and I was told that it was fully investigated and my case was closed. I asked about camera footage and did they see the footage of the girl having trouble with my key. No answer to that. I was told to hire a lawyer and get a subpena ( sp ). 

Totally shocked with response. I am XXXX XXXX, XXXX was using scare tactics to scam an elderly who has been patron of this bank for over 25 years. Either the bank does not have camera access or they are trying to hide the thieves that work in this bank. I hope you can help!!!!

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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 non-monetary relief
Consumer complaint received 2023-03-24
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have already come to you the reporting of information that was identified as identity theft and they promised to get this information off my credit report and if you look it is still reporting on all three credit report and giving me negative hard inquiry and messing up my credit to get a house and I want it removed asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Pursuant to 15 U.S.C 1681 and exercising my rights as a consumer I have filed a dispute of information in my consumer credit report with the Transunion credit reporting agency on XX/XX/ requesting verification of the information about bankruptcy in my file. 

According to 15 U.S.C 1681i ( a ) ( 1 ) ( A ) in case of receiving a dispute from the consumer a credit reporting agency should conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. 

According to 15 U.S.C 1681i ( c ) whenever a statement of a dispute is filed the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer Instead of that on XX/XX/2023 TransUnion sent me a letter saying that for some reason they think that my letter might had come not from me and suggesting to submit a dispute via their website of by phone, violating my rights to file disputes in writing and to keep a paper trail of all communication with the bureau. 

According to 15 U.S.C 1681i ( a ) ( XXXX ) in case of the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant it should notify the consumer of such determination not later than 5 business days after making such determination, by mail and include the reasons for such determination and identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. 

The letter from Transunion did not contained such information, so I sent them another letter on XX/XX/ where I reminded the credit reporting agency of their responsibility to perform an investigation in time. 

After not receiving any other communication from TransUnion, onXX/XX/XXXXsent them another letter with demand to delete the disputed information as they failed to verify it in time. 

The note of information being disputed by consumer was never added to my file. 
As a result, I believe that the TransUnion credit reporting agency violated my consumer rights under the Fair Credit Reporting Act multiple times. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that TransUnion complies with all consumer rights 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 non-monetary relief
Consumer complaint received 2023-11-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I was bullied into an {$5000.00} extra warranty that I didn't want and a fixed rate after telling them that I already had a pre-approval letter. When I needed to use the warranty, I had to pay an astronomical deductible {$500.00} ( which cost more than the repair ) in order to use it. It was approved at 7 % interest, and they manipulated the numbers and claimed they couldn't finance me for less than 11.5 % and I literally had a pre-approval letter. I still have to make astronomical payments for a car that isn't worth that value and a warranty that is virtually useless. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 0 2 that states ; I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ).

It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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:
The following hard inquiries below are a result or fraud and identity theft. Please remove them from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: EQUIFAX, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation