BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, 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:
I HAVE DISPUTED OVER AND OVER FOR 5 YEARS NOW ACCOUNTS THAT ARE FRAUD. NOW I HAVE INQUIRIES THAT KEEP POPPING UP I HAVE SUPPLIED POLICE REPORTS FTC REPORTS AND TRANSUNION KEEPS COMING BACK SAYING THEIR MINE. I DONT THEY ARE EVEN LOOKING AT THE REPORTS SENT TO THEM. BUT THIS IS DAMAGING MY CREDIT WITH TRANSUNION. HOW DO I GET THIS STUFF REMOVED I HAVE EVERYTHING TO PROVE IT IS NOT MINE. I NEED HELP. 

TRANSUNION XXXX XXXX THEY NEED TO READ THE FTC REPORT CAREFULLY AND SEE THE ADDITIONAL INQUIRIES AS WELL AS THE ACCT NUMBERS TO EACH ACCOUNT THAT 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 2018-10-22
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was the principal co-signer for my son on an auto loan with Credit Acceptance. On  XX/XX/2018 when I contacted Credit Acceptance they stated the account was delinquent in XXXX. Why wasn't I contacted? I am the prinicipal co signer! Credit Acceptance did not advise me of delinquency on the account. As far as I knew the account was current. Credit Acceptance has a legal obligation to keep me informed especially since I was the principal signer. Credit Acceptance had offered an SFL offer of {$2400.00} valid through XX/XX/2018. We were going to honor that SFL offer and pay before XX/XX/2018. But instead of honoring their SFL offer Credit Acceptance on XX/XX/2018 illegally and unethically closed the account, sent it to collections and plummeted my credit score. I worked hard to build up my credit. In doing so I was going to purchase a car in XX/XX/2018. But since Credit Acceptances ' adverse action on my account, I won't be able to make my much-needed auto purchase. Credit Acceptance failed in their fiduciary responsibility by not keeping me advised of the accounts ' status,  closing the account and sending it to collections prior to honoring their SFL offer valid through XX/XX/2018. These corrosive actions are simialr to predatory lending practices which are illegal. I want to be made whole!

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 2023-07-15
Company: Next Level Finance Partners  LLC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Our loan with New Credit America has been paid in full and the company will not update our paid and closed information. Ive disputed the status with all three credit bureaus and the company is reporting to them that the open balance is accurate even though I provided screen shots and correspondence the account has a XXXX balance and is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
1. In XX/XX/XXXXXXXX  We booked 4 airfare tickets for 4 people on line with XXXX XXXX to our hometown XXXX XXXX. It originally showed up {$460.00} for one fare. 
{$460.00} X 4 = {$1800.00} in total. 

XXXX. After we typed up all the informations and did the final click, the screen popped up were {$960.00} X 4 = {$3800.00} in total. Then we called the XXXX right away in few minutes to cancel all the unfair purchases. We couldn't reach them by making multiple callings and emailed to them. No responses were made. 

XXXX. We called the Capital One right after we couldn't get the cancellation with XXXX. in minutes to stopped the payments and notified Capital One this was scam. 

XXXX. Capital One did stop the payments which XXXX overcharged the 4 tickets. We dind't use the 4 tickets. ( XXXX still had a month to re-sell the tickets ) 5. We used the same card as Capital One booked another 4 airline tickets with XXXX on the same day XX/XX/XXXX. Everything went smoothly without any trouble with XXXX. 

XXXX. Before we left the XXXX to XXXX XXXX. We paid off the balance. ( The Capital One statement balance showed up that XXXX overcharged and written off the overcharged in the same day ). 

XXXX. We left the XXXX to XXXX XXXX on XX/XX/XXXXXXXX  and returned to XXXX on XX/XX/XXXX. We got the Capital One statement rebilled the overcharged by XXXX 

XXXX. We contacted the Capital One and sent all the informations ( BEFORE VS AFTER ) by Certified Mail. Capital One did get the mail. 

XXXX. Capital One insisted that we had to pay that amount without disputing. Of course we refused to pay and stopped using the Capital One after the event. 

XXXX. Capital One hired the lawyer ( XXXX XXXX XXXX XXXX XXXX XXXX ) sued us. We were sent to the XXXX XXXX XXXX to disputed the case on XXXXThe case was dismissed. 

XXXX. Again, the same lawyer sent us to the XXXX XXXX on XX/XX/XXXX, We won the case. 

XXXX. Now, they constantly suing us again, we have to present on the XXXX XXXX of XXXX XXXX on XX/XX/XXXX. 

XXXX. We are very sick of Capital One and the lawyer. They knew the event but keep harrasming. 

XXXX Please help or give us some advises to fight back! 

Thank You!! 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: NC
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 Reporting Act, The Listof accounts below has violated my federally protected rights to privacy and confidentiality und 15 USC 1681. 

XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX : XXXX XXXX Account # XXXX : XXXX  Account # XXXX : XXXX XXXX XXXX Account # XXXX : XXXX XXXX XXXX  Account # XXXX : XXXX XXXX Account # XXXX : XXXX Account # XXXX : XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  account # XXXX : XXXX XXXX XXXX Account # XXXX : XXXX Account # 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 state a consumer reporting agency can not furnish an 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 items of information other than records of convictions or crimes wich 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 2023-05-08
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Opened a savings account with M & T Bank for my daughter not long after she was born in XXXX. I was advised that because we have multiple checking accounts along with my business accounts with M & T Bank there would be no service fees associated with this account. We have received fees every month since the inception of the account and all of the money is now gone. I went into a location in XXXX  and they advised me that I was correct and should not be receiving fees. They credited the account for the past 90 days of fees and said the fees should stop effective immediately. We are still receiving fees on the account every month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted all bureaus regarding these fraudulent accounts and inquiries. This is violation of my consumer rights and the ftc, cfpb. The law prohibits all credit bureaus to report fraudulent accounts. all information must report accurately. This information must be deleted immediately. This has dropped my score XXXX points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hi I have used Chime mobile banking since 2019. Just a few months ago I noticed weird charges and every time I tried to dispute the charges, chime would cancel my card issuing a new one and then they would deny all the disputes and give nothing back. 
I have called them, emailed them and more. They absolutely don't want to help me at all. I also called about why my disputes were denied and they said they seen no errors. Then I told them I need those disputes returned. I have had issues with my Identity that was compromised and I am in the process of fixing it with social security and credit bureaus as well. I even filed my XXXX cyber complaints cause anytime its cyber related they told me a police report can't be done would have to do an XXXX so I did. 
I noticed a week ago Chime just automatically closed my accounts with out notice or any other detail. totaling {$11000.00} dollars or more to be returned to me. 
I keep trying to reach a chime and tell them to call me and they keep ignoring me. sending me emails saying we will have someone in support will contact me but they do not. 
I also tried to call my chime card and log into it because they logged me out of my account and it says my accounts closed. I also have pending deposits on there including my sons XXXX I had to call them to fix that. I have my business connected for pending deposits. 
I have been trying to take care of these disputes from last year and this year there was only a few that I told chime that are automatic payments like my daughters XXXX XXXX martial arts and my sons XXXX for his XXXX  deposits. 
They won't communicate back they won't do any of my disputes and such. I am just trying to get what is owed to me back. including my {$9700.00} dollar income tax that was deposited as well. and I noticed it was being used as well. 
I have screeshots of all I am trying to do and tell them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
Company: Riverwalk Financial Corporation
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just checked  XXXX   XXXX  on  XXXX   XXXX ,  2017  and a collection from a debt collector is there with an original debtor I have never heard of or have ever been in anyway associated with. I ca n't even figure out who they both are and what the debt represents. It seems that this is happening to many other consumers.   This is the info I have  : DEVILLE MGMT COLLECTIO N/CHARGE-OFF Status Type : Other Date Reported :  XXXX   XXXX ,  2017  Payment Status : Collection/Charge-off Account Status : Derogatory Amount Past Due : Not Reported Account Details Original Lender :  XXXX   XXXX    XXXX   XXXX   Account Number :   XXXX   Account Type : Not Reported Responsibility : Individual Credit Limit : Not Reported Highest Balance : {$2400.00} Payment Details : Amount Past Due Not Reported Date of Last Payment : Not Reported Monthly Payment : Not Provided Payment Frequency : Not Reported Lender Info :  XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX  Remarks : Placed for collection.

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 2023-07-15
Company: ALLY FINANCIAL INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This is the third complaint against Ally financial they most recently unlawfully repossessed my vehicle, and evidence that I have shows that they were premeditated in doing this months before actually performing the repossession with clear intent to defraud me because once they took my vehicle, they still trying to collect a debt of nearly 3/4 of the debt, which was owed on the retail installment contract when I was in possession of the vehicle, and had made two separate payments to pay the vehicle in full, including the last payment, which was in the form of a check for which I received the check back with a clear indication that Ally financial had deposited the check into their account, and had received for credit prior to repossessing my vehicle

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, 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:
I have over 20 nonaccount-holding inquiries that didn't have my consent. I have sent all three credit bureaus certified letters to have them remove no answer, no removal. Most of those should be soft pull inquiries, not hard pulls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern : I have been trying to work with BMO Harris Bank Mortgage Dept. and Illinois Hardest Hit Program for about I year now. 
My Rep is XXXX XXXX of the XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IL.XXXX  email : XXXX XXXX XXXX, XXXX Fax # XXXX XXXX has been assisting me with my mortgage lender to either have the lender refinance our mortgage or have assistance paying the mortgage. 
The HHF has approved us but the lender has not. 
We have acquired very high medical bills due to illness and really need this 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 2022-12-29
Company: AMERICAN EXPRESS COMPANY
State: MA
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:
Hello, I am extremely disappointed with the results of the investigation process, conducted by American Express in regards to unauthorized transactions. 

I found not recognized transaction in the amount of {$99.00}, made by XXXX on XX/XX/XXXX and posted to my American Express credit card. This charge was done as a payment for XXXX XXXX, which I have never requested and so could not authorize and never had. 
I called American Express a few times to report that this purchade was never made by myself or my family members, who are authorized members under my American Express credit card account. 
Since XX/XX/XXXX I also contacted a few times XXXX XXXX XXXX via phone and emails, trying to find out why they charged my American Express Card for unauthorized {$99.00}. 

XXXX confirmed to me verbally and via emails that I have never requested and so did not authorize Membership with them. They also confirmed that I made just one time purchase through XXXX in XXXX and that I have never made any other purchases, using XXXX services, and do not have any Membership account with them. Moreover, XXXX told me that they did not charge my credit card for that {$99.00} on XX/XX/XXXX and so can not refund this money because they do not have any info about my credit card, although I sent them the credit card credentials upon their request in order they to refund my American Express account. 
I suspect that XXXX conduct not totally fair business. For this reason I requested American Express to help me to prove that the transaction was a fraudulent one. 

American Express conducted " investigation '' for couple days and then sent me a letter, stating that this charge is my responsibility because they found a recurring charge {$100.00}, made by XXXX in XX/XX/XXXX. Up to now and until American Express informed me on that charge from XXXX, I have not noticed it, because I was very ill with COVID in XX/XX/XXXX and for this reason did not check on my American Express statement. I usually very carefully go through all my statements every month to make sure that all transactions are mine and correct. 

As I got a letter today from American Express, stating that they finished investigation of that unauthorized charge and found me to be responsible to pay it, I called XXXX again and was told there that they did not charge {$99.00} and that American Express has to refund it to me. In other words, XXXX said that I do not have to pay that {$99.00} when I pay my next American Express statement. 
But American Express state that I have to include that {$99.00} in my statement payment. 

Please help me, if possible, to resolve the explained above issue. 

Thank you Sincerely, XXXX XXXX XXXX ( cell

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
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:
In Accordance with the Fair Credit reporting act THESE COMPANIES have violated my rights : 15USC 1681 Sect 602a states I have the right to privacy. & 15 USC 1681 sect 604a Sect 2 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-06-06
Company: Linebarger Goggan Blair & Sampson LLP
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have been contacted by phone numerous times by someone purportedly from " Langberger, Dougan, Blair, and Simpson '' law firm for the collection of some " debt '' that I supposedly owe and for which they are about to sue me if I don't return their call and discuss it with them. I did call them BUT before they could discuss it with me they wanted all kinds of personal information from me ( to be able to identify me in their account records even though I gave them their reference # XXXX ) which I refused to do BUT did tell them not to call again or I would report them. They hung up. Several days later, they called again. Their phone number is XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I HAVE REACHED OUT TO TRANSUNION SEVERAL TIMES THROUGH CERTIFIED LETTERS PHONE CALLS. THEY STILL HAVE NOT RESOLVED THIS MATTER. I HAVE A REPORT FROM THE POLICE AND FTS REPORT AS WELL. THIS IS MATTER IS HINDERING MY CHANGES AT BUYING A HOME, AND HAS PUT A GREAT DEAL OF EMOTIONAL STRESS ON ME. THIS HAS HINDERED ME IN JOB OPPORTUNITIES AND MY LIVELIHOOD. THIS IS A DEFLAMTION TO MY CHARACTER AND ALSO AGAINST THE LAW. 
In accordance with the fair credit Reporting act XXXX Account # XXXX  has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the fair credit Reporting act XXXX  Account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit 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 2023-01-31
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation