BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: MI
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:
In accordance with the Fair Credit Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX, Bankruptcy # 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Deficiency balance after repossession

Complaint:
My vehicle was repossessed in XXXX of 2022. I payed the company in full to get my vehicle back. I am currently speaking with a representative who is stating that I have fees unpaid that are from the repossession. A repossession in which I was present for. One in which prevented me from getting to work one in which by law if the person is present there should be no contact or interaction with the towing company and the loan holder.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-17
Company: Experian Information Solutions Inc.
State: LA
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 had an account with XXXX XXXX  in XXXX XXXX Louisiana that was open in XXXX and it was closed in XXXX and paid off .. just over the year I all of a sudden have late payments showing up in XXXX for this account when It never was reported for being late on this account even before. XXXX  is reporting correctly yet experian and XXXX  has it wrong. I went to the company and he said I was not late in XXXX. I cant be late in XXXX for an account that was paid off on XXXX. This is hurting my recent credit history snd how for months now.

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 2023-10-09
Company: Emergent Business Group, Inc.
State: AL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took out a loan for {$1900.00} on XX/XX/XXXX from XXXX. It was supposed to be a payback every other Friday on my pay date. Instead my payments were set up for every Wednesday. I contacted them by email to get it changed and also asked for automatic payments to be turned off. They did get it turned off. I was struggling with payments so I asked for a different payment plan. We were not able to come up with a plan so it got further and further behind. The last communication I had with them was an email on XX/XX/XXXX asking for payment. On XX/XX/XXXX, I received an email letting me know that my account was transferred to Emergent Servicing with a balance of {$3100.00} due. 
On XX/XX/XXXX, I took out a lease-to-own agreement with XXXX for a purchase. This is a completely different division than XXXX. I received the agreement and payments began for every Friday as agreed. On XX/XX/XXXX, I received an email from XXXX stating the following : Congratulations on your loan. Please be advised you have entered into a loan agreement with XXXX weekly payments at 164.55 % APR. Unlike the lease-to-own program, XXXX same as cash is not an option however you can pay off your loan at any time without penalty by calling XXXX & XXXX Technologies XXXX XXXX XXXX Payment frequency can not be adjusted with the loan program the payments are set to the date and day of your loan agreement. 

If you have questions regarding payments or balance please contact XXXX the servicers of your loan. 

I was confused because that was not the agreement. I called the number listed and they put me over to XXXX XXXX. I called XXXX and spoke to XXXX who was very aggressive and told me I needed to pay my loan from XXXX. She wanted me to pay it immediately on the phone. When I asked for details, she said that she would not honor any agreement after we got off the phone that day but would send me details. 

I am extremely upset with this deceptive practice of them making it sound like my lease-to-own through XXXX was now changed XXXX a loan through XXXX. And then when I called and was confused, I felt that I was being forced to do something without being able to review the documentation. I have since received an encrypted email message from them but it wants me to set up an account with them to view it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
The card was bought from XXXX 's and then gifted to me on the same day, XX/XX/XXXX. I only recently found it in my room, untouched. On XX/XX/XXXX, I tried to buy a digital camera on XXXX and the purchase did not go through even after multiple attempts. The message I received from XXXX was " Please use a different card or check your balance. '' I checked that my information was correct multiple times. I then went to the AmEx gift card balance site to check my balance. I put in the card 's information and saw that it was active and had {$50.00} on it. Over the next two days, I tried to buy fast food ( XXXX 's and XXXX XXXX for pickup on my phone with the card. These purchases also did not go through. Today ( XX/XX/XXXX ), I called the number on the back of the card ( XXXX ) and was connected to a machine that only gave me my balance and had pre-loaded FAQs that were played to me. On this call, I was told my balance had gone down to {$49.00}. I went to the website to check my balance and see where the XXXX charge came from, and it was " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL '' XXXX yes, " XXXX '', not " XXXX '' ). I do not live remotely close to Florida. This could not have been when I tried to purchase food from XXXX 's because I ended up not getting food at that point and none of the total was reduced. I tried once again to use the card today on XXXX. It didn't work. I then attempted to load the card onto a XXXX account, in hopes it would let the card go through on XXXX. XXXX would not even accept the gift card and showed this message " Your card was declined by the issuing bank. Please try a different card or contact your card issuer with questions. '' Then, I filed this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: NY
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: Zions Debt Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX Contacted me via txt message without my consent to notify of a debt collection. No attempt to call me or letter by mail was attempted. This first notification that was received by text which they did not have prior authorization from me to connect me that way. I have since sent a letter to them requesting validation of the debt they are claiming is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
According to this invoice I was charge twice for the month of XXXX and a reletting fee. The amount owed is incorrect/fraudulent and would like National Credit Systems , I to remove this collection from all three credit bureaus XXXX, XXXX, and XXXX XXXX XXXX 

The amount and dates Im referring to is XX/XX/2019 for {$890.00} and XX/XX/2019 for {$890.00} plus the reletting fee {$760.00} on XX/XX/2019, also showing a balance of {$940.00} XX/XX/2019. 

Under state rental law a leasing property can not charge rent twice in one month and a reletting fee. 

Furthermore, the amount of {$35.00} were added for XXXX XXXX, and {$25.00} for XXXX XXXX which should have not been billed because the reletting fee of {$760.00}. 

Reletting Expenses means all costs and expenses incurred by Landlord in connection with the reletting of the Premises following a default by Tenant, including, without limitation, the expenses of obtaining possession of the Premises, the costs of cleaning, renovation, and repairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: SYNCHRONY FINANCIAL
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:
My credit report was affected because one of my banks made a delinquency report for my credit account and because of that the credit limit on that credit card was reduced and another credit card was closed. The truth is that I didnt pay my credit cards because I was in XXXX XXXX ( XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and wasnt able to use my phone. I want to know if i can fix this issue or if there is a law that protects me from this kind of problem.

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 2018-10-19
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:
inaccurate information to the best of my knowledge is not mine hippa and ftc violation

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 2023-10-13
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I inadvertently sent {$650.00} from my Well Fargo bank checking account via their person-to-person system, XXXX, to the wrong person. A single phone digit was entered in error, thus sending the money to an unknown person. I alerted Wells Fargo, whom then filed a claim. Well Fargo contacted the receiving institution, XXXX, which has not respond to Wells Fargo. I contacted XXXX and was told the receiving person has not responded and to continue working with Wells Fargo. Well Fargo advised the funds may not be recoverable. I've read regulation E and it seems this type of errant transaction should be covered. Any assistance is appreciated.

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 2021-06-17
Company: MoneyLion Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Case # XXXX I have filed a complaint a month and half ago regarding a fraud transaction taken place on XX/XX/2021 in the amount of {$1000.00} and I am filing a complaint again today because the company ( MONEYLION ) still has not resolved my case and I can not get a hold of person in contact ( XXXX ) or anyone. I have filed for a dispute on XX/XX/2021 after having my identity stolen with my checking account / debit card from XXXX XXXX on XX/XX/2021. 
I have been trying to get my money back from this company for over two months now and have provided everything they have requested showing and proving XXXX XXXX has no record of chargeback or a reversal for the transaction amount of {$1000.00} which is a fraud transaction I did not authorize taken placed on XX/XX/2021. 
XXXX XXXX representative confirmed by phone and a letter that the funds was never received for the disputed amount from Money lion therefore, Money lion still owes me the money which I never received and still waiting for. I have tried contacting the company but no response or updates have been received regarding the status of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: TRANSWORLD SYSTEMS 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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: NV
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'm a victim of XXXX data breach and I've been trying to correct my consumer report for months with no avail. According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the need of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of, or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received delivery of goods, services, and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked.

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 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX Amount {$1900.00}, XXXX XXXX XXXX Account # XXXX Amount {$610.00}, XXXX XXXX XXXX Account # XXXX Amount {$650.00}, XXXX XXXX XXXX Account # XXXX Amount {$210.00}, XXXX XXXX XXXX Account # XXXX Amount {$910.00}XXXX XXXX XXXX XXXX Account # XXXX Amount {$1900.00}XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX Amount {$800.00}, XXXX XXXX XXXX Account # XXXX Amount {$490.00}, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX, XXXX XXXX  Account XXXX XXXX Amount {$48.00}, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX has violated my rights. I demand the accounts listed below be removed because 15 U.S.C 1681 Section 602 A. States that 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. I did not give XXXX, Transunion or XXXX permission to furnish these accounts. 

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

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 2023-10-03
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Comenity Bank listed me as a joint account holder despite the fact that I never signed as a joint account holder when the account was opened. I have disputed this account for several years through the credit bureaus. The actual account holder filed bankruptcy ( unknown to me ) and Comenity Bank reported this account as closed and past due for several months. When I call I am told that I do not have a XXXX account and they refuse to send me direct correspondence. I was forced to pay the account off because they continued to ruin my credit. I received a call from a Comenity Bank manager ( XXXX XXXX XXXX who claimed I should have never paid and that Comenity Bank would send me a refund ( Still waiting on the refund ). XXXX further stated that Comenity Bank should not have reported the past due amounts on my credit report and that they would send letters to the credit bureaus to correct the reporting. XXXX said I could keep her phone number and call her if I have questions, I called and left a voicemail over week ago and have yet to receive a return call. Comenity Bank refuses to send me copies of the letter they supposedly sent to the credit bureaus. I am trying to obtain a mortgage and this negative reporting has caused irreparable harm to my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-17
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021 I filed an dispute with Chime Bank ( Claim # XXXX ) about an unauthorized charge that was done with my Checking account for {$3300.00} from XXXX XXXX XXXX. I had a total of {$820.00} in my checking account when this took place and over {$2300.00} in my savings account when this took place. This unauthorized purchase but my checking account in - {$2500.00} dollars balance so I was unable to pay any of my bills, ( rent, car note, utilities, cell phone, etc ). Not only was I Not awarded a procredit during the entire investigation, but I wasn't giving an answer of determination until XX/XX/2021, I wasn't explain why my claim was denied, I had no assist to the money in my savings account, and after emailing and calling numerous of times when giving the denial verdict on XX/XX/2021 i received an email stating ym account would be closed in 10 Days. So i called Customer service and asked why would my account be closed and they insured me it was an mistake and it wouldn't be closed, then in 10 Days my accounts was closed. I no longer have assist to it and I never received or know what happen to the money in my savings account. This was the worst experience i ever had with a bank and was handled very unprofessional. I got behind on all of bills and was almost evicted out of apartment due to Banking with Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had paid off my Amazon card through asynchrony Bank and they werent applying the payment to my card when it should had been applied the same day or the next. I complained and they stated because I was paying off such high amounts of payments that it would take longer. I have never in my life heard an explanation like that. I told them if they didnt apply my payments in a timely manner, I would report them to CFPB. It took Synchrony Bank several days ( up to 4 or more ) to post them to my account. XXXX XXXX XXXX XXXX XXXX I receive a notification in my Amazon account that my account limit was being lower to {$240.00} from {$800.00}. I think it was in retaliation because I told them I was going to report them to CFPB but they gave me some other ridiculous explanation. They need to be investigated.

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