BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-29
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had asked XXXX to dispute a fraudulent charge that kept showing up on my credit report that i had no understanding of existing in XXXX of XXXX. I never received a bill or anything other than it showing up on my credit report. Someone had used my information from an old address that i lived at the open up this account and had even paid part of the balance on it. I didnt even live at this former address for 2 years when this account was opened. I called XXXX XXXX on XX/XX/XXXX  to see if they could help me verify that this account was opened by identity theft and they said since i had a creditor investigate it that they couldnt do anything to help now. I didnt even know that this account was opened since i have never received a bill to my current address. I have asked that XXXX again look into this as fraud because it is and i have no awareness of this account. Please make this right. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-29
Company: PNC Bank N.A.
State: CO
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:
PNC offers Check Ready auto loans in Colorado but is unwilling to provide the necessary paperwork to register the vehicle with the state Colorado. I have spoken with PNC multiple times at multiple levels and they refuse to comply and seem unaware of the requirements of the state. Specifically Colorado requires the following : If a lien is to be recorded, an acceptable mortgage document ( security agreement ) must be provided. The mortgage document must be an original, carbon copy, or a certified copy and must contain vehicle description - year, make, vehicle identification number or XXXX, lienholder 's name and address, XXXX amount, and owner 's signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
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: Investigation took more than 30 days

Complaint:
In XXXX and XXXX, 2020, I filed a series of disputes against XXXX XXXX XXXX University for attempting to damage my credit over _federal_ loans that are currently in deferment. Although Experian has made improper conclusions about the University 's extortion attempt, as I previously complained to the Bureau about it, Experian removed the derogatory item. In addition to helping the University commit a RICO conspiracy, having already resolved the XXXX XXXX XXXX matter back in XXXX, Experian opened the dispute without my consent. This behavior also follows my more recent complaints against Experian on the issue of excessive disputes made without my consent, for which waiting the legallyrequired sixty days for Experian to address only legalized obstruction of justice ; I could not send them a cease an desist letter before this latest offense, which the XXXX allows to go unpunished with the sixtyday requirement. For some reason, both XXXX XXXX XXXX and Experian insist despite the latter 's action against the former by undoing their damage to my credit to the point of laying the foundation for a maliciousprosecution suit, and obstructing the same with ongoing actions in SLAPPlike manner that their lies about thr status of my XXXX XXXX loans in deferment are true.

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 2021-10-15
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 30 days. 
I sent out out the letters to all 3 bureaus on XX/XX/21. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations included on my disputes on my report must be deleted due to violation of over 30 days and 15 U.S.C. 1692g. I am trying to purchase a house and this is becoming a heavy burden on my personal family Life. Please assist with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Balance : {$0.00} XXXX LENDING LLC XXXX Balance : {$18.00} XXXX CREDIT XX/XX/2022 XXXX XX/XX/2022

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 2023-01-02
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hello, my name is XXXX XXXX XXXX, husband ( XXXX XXXX XXXX, XXXX ) died in XX/XX/2022. The vehicle/loan is in my deceased husband 's name. I have contacted Nissan Acceptance Corporation, LLC advising them of his death and provided them with the death certificate. I have continued making the monthly payments. I have been calling customer service to see what the process is of getting the loan changed over in my name. I was asked to fill out an application and fax them over to them, which I have done several times and I also mailed it in, as of today the issue has not been resolved and the vehicle will be paid off in approximately 12 months. 

I need help with getting the title changed over so that I can ensure there will be no issues in the future in the event I need or want to sell the vehicle. 

Thank you, XXXX XXXX XXXX XXXX ( home number )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: National Credit Systems,Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I'm filling a dispute against the company XXXX XXXX loft the furnisher, XXXX, and the collection agency National Credit systems. Over the last 9 months I have sent certified letters threw XXXX asking for proof of debt owed and have not received anything by mail or email. I myself have continued to ask for proof via certified letters and still have not received anything I'm now asking the debt be erased from my credit report it is enabling me to move forward with house rental and other credit loans. Over the last several month XXXX has attempted to refile my debt claim with several collection agency 's even after sending dispute letters XXXX and National Credit systems are the last two that have not dropped the debt claim. According to the Federal Credit law spelled out in the Fair Credit reporting, a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. The last certified letter was received XXXX XXXX this letter was sent by myself and XXXX stating they had only fifteen days to respond with a claim against the dispute not such thing has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
i sent a letter out to transunion, XXXX and XXXX. here my tracking XXXX however its been 30 days and the credit bureaus failed to send my investigastion back. this is not making any since.

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 2022-07-09
Company: Experian Information Solutions Inc.
State: VA
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 have tried repeatedly to dispute a Bankruptcy that is appearing on both my XXXX and Experian credit reports. XXXX ( whom both of the CRAs state that they are verifying the information with ) is not listing a Bankruptcy report. XXXX has requested that both Experian and XXXX remove the information from my credit repair. Both CRAs state that they are verifying or certifying the information with the company that reported and they list XXXX. XXXX states to the contrary. 

If the above is not enough, how about the " error '' that's listed stating that my " spouse '' filed the Bankruptcy on my behalf. I have never had a spouse and this error in reporting should be more than sufficient to delete this bankruptcy from my credit report. 

The erroneous reporting is causing continuous financial injury. All documents are attached show the exhaustive measures used to try to resolve this issue with both CRAs, including Metro2 Compliance requests. Both Experian and XXXX fail to adhere to Metro2 compliance requests.

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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 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 XXXXXXXX and XXXX XXXX XXXX do not have a legal business license to collect anything from new york state

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 2023-06-10
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 recently sent letters on XX/XX/2023 to XXXX, Equifax, and XXXX regarding problems on my credit report. There is a female name reporting, XXXX accounts reflecting false late payments, and unauthorized inquires. I asked them to remove these issues and i did not get any answers. I have been patiently checking my credit reports, but the problems are still there. On XX/XX/2023, I sent another set of letters, but I am very frustrated that I am being ignored. These issues are hurting me as a small business owner and preventing me from expansion of my company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2023-11-29
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My name is XXXX XXXX and I have had a chime account for 6 months now. never had a problem until recently where my account use has been suspended for some unknown reason. When I call Chime, I am told to send in my personal documents in order to verify I am who I say I am, and I still send the documents. I am a XXXX XXXX  who XXXX XXXXXXXX XXXX  I have no interest in any fraudulent activity and it is imperative that I have access to my money. I have no money at the moment because I can't get into my account. I have not violated any terms of agreement and use chime for everyday spending such as food and clothes for my family. Could this situation be rectified promptly, It is now going on 3 days and I have no response from Chime. I received my direct deposit 2 days ago and suddenly now there is a suspicion of unusual activity, when I receive the same check from the same school every 2 weeks. I have called, I have emailed, I am unhappy and would like to know the status of this investigation into my account. I literally have nothing without my account and need access to my money. I have committed no fraud, I am an honest working man who is a father and a XXXX. I need to feed my family and this procrastination is honestly inhumane and morally wrong. I have committed no crime, I work hard for my money and for it to be stripped from me because of an error a need answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I attempted to send XXXX dollars via the provided option of phone number and it was sent in error ( by pay pal ) to an incorrect email address. The phone number that it was directed to is tied to the correct account but pay pal sent it to an email address not affiliated the with said destinatio I contacted them and the first time they stated a refund would be issued within 48 hours of the phone call. After not receiving the refund, I called them back. This time they stated they could request a refund from the mistaken recipient but could not do it on they're end. 

This is a problem caused because of a fault in their system and i need refund issued asap

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The bank rearranges my account balances reflecting in less money than what I calculated at the time am I spending. When fees are dropped from my account for example like returns, they are not reflected in my account but supposedly my money was refunded. That lack of reflection in my account and the rearranging of transactions lead me to believe that I had overspent and bank has charged me an overdraft fee. Then things later I still have an overdraft fee but my account has finished pending and I have money in my account but Im not able to dispute that overdraft fee. The bank is stealing money from people who live paycheck to paycheck like the majority of Americans. Leading the majority to believe that they have to pay these overdraft fees because of the banks systems through the online banking account access.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband passed away XXXX XXXX. He left a will leaving me as sole beneficiary of his estate.Including in his estate was a property located at XXXX XXXX XXXX XXXX XXXX which had a mortgage.I sold this house and went to closing XX/XX/XXXX. I couldnt afford the mortgage after his death. 
Prior to my husband 's death the mortgage was held in his and his ex-wife 's name.After the ex-wife received everything she wanted within the divorce agreement she, by law had to issue a quick claim deed to myself and my husband for the property mentioned above. 
PHH Mortgage is refusing to issue the escrow refund check to me although they have already declared me to be successor in interest. 

I have complied with their requests to send them multiple documents to their " research '' department to no avail.I have sent them PHH Mortgage my husband 's will and the deed reflecting my ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: TX
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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRE XXXX XXXX XXXX FEDERAL XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2021-10-15
Company: SYNCHRONY FINANCIAL
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I need help, I paid off my SYNCB credit card and now this collection agency XXXX is after me for the same debt. I need help this account has been resolved. I do not know where my money went to with SYNCB but it cleared my account with them. Please 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 2022-03-18
Company: TRUIST FINANCIAL CORPORATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a Truist bank account that I only really use once in a blue moon, because my parents can quickly transfer funds over in case of emergency. I transferred {$4500.00} into the account on XX/XX/XXXX, and attempted to use those funds to pay a XXXX bill. The payment was bounced back twice ( most recently on XXXX, I believe ), with the reason given that the account had been closed. If I log in to Truist 's website, my account shows an available balance of slightly over the deposited amount, and makes no indication that the account is closed. 

I spoke with Truist customer service today ( XX/XX/XXXX ) and learned that my account had been placed in " inactive '' status due to me not using it for over a year- which is probably true except that I had successfully deposited {$4500.00} last month - and the ONLY way for me to remedy this would be to physically walk in to a branch and request a temporary debit card. The nearest physical branch is three states away, so obviously this is not an acceptable solution. Truist has effectively deprived me of several thousand dollars. I'd be fine with it if the inactive status didn't let me transfer the money in the first place. I'd even be okay if I had to call and have someone manually override the system. But this is unacceptable.

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 2023-11-29
Company: Bread Financial Holdings, Inc.
State: TX
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:
Comenity Bank I recently received a copy of my ( XXXX, XXXX XXXX XXXX ) Credit report, and I noticed transactions posted on my credit report that are excluded by federal law. 
Account number Date opened XXXX XX/XX/2019 Your company is in direct violation of the FCRA 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 


You reported transactions from account number XXXX to my consumer report the above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person ( company ) making the report is not included on the consumer report yet you are reporting this information to my consumer report. 




The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is clear violation of the FCRA. 

I need the transaction deleted from my consumer report effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am furious about why I was charged XXXX late fee then XXXX late fee I am not sure why these different amounts and being charged on different due dates. I feel this is ridiculous and I feel credit card will never be paid if I am being charged more then card is worth. Everything I call I feel as if I am being ignored. Please assist

Company response to consumer: Closed with explanation