BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-24
Company: Experian Information Solutions Inc.
State: CO
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: Problem with personal statement of dispute

Complaint:
As submitted on XX/XX/2022 Consumer Reporting Agencies investigation did not address my complaint at all and in fact was not a thorough investigation at all. besides not addressing my original complaint of them violating*15 U.S.C. 1681 section 602 A states I have the right to privacy Also *15 U.S.C. 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions. not one person of interest or knowledge was interviewed or contacted including myself. A reasonable investigation under FCRA 1681s-2 ( b ) requires the furnisher to examine sufficient evidence to determine whether the disputed information is accurate. in addition to the failure to a reasonable investigation they should be held to the subject of penalty which includes " Not complying with the FCRA can subject your company to statutory damages of $ XXXX {$1000.00} per violation. '' as per defined by the Fair Credit Reporting act. my original complaint is listed below with case numbers first. 

***complaint numbers : XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX Original Complaint : In accordance with the fair credit reporting act the following account have violated my rights. XXXX15 U.S.C . 1681 section 602 A states I have the right to privacy Also *15 U.S.C. 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions. Accounts : XXXX XXXX Co Division of Child Support Account number XXXX XXXX ) XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX Co account number XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo is bullying me into increasing my insurance coverage on my dwelling to the amount of the mortgage owed and Im being told this is illegal and that the coverage I had was completely appropriate as it was written on replacement cost value basis. An ins agent was furious when I asked for a quote because she said she is not going to be able to get it past underwriting. In order for her to get the dwelling amount up she has to add a bunch of things to my house that are not there. I have been battling w/Wells Fargo for over 3 mos. I can not find a lawyer who will take on Wells Fargo & now I am having a hard time finding adequate ins. & its hurricane season. If we have a storm now and my house is damaged and Im not adequately covered, I will need Wells Fargo to make repair to my home for having put me in this position now. They purchased my mortgage last year and for a year my ins was fine w/them. They claim they are reviewing files now and found my ins not to be enough. I find it hard to believe that they did not review my file when they purchased it and nothing had changed in the year. ( Expect I was 3 mos ahead on my payments. A practice I no longer bless them with ). If I didnt seek other ins on my own they will put ins in place for me and have threatened me that it will not be cheap either. I paid for the ins and provided Wells that proof and they still made payment as well. That in turn raised my mortgage amount because of the adjustment to my escrow acct. I made the payment myself specifically to avoid an adjustment and a negative escrow balance. I am currently going through probate and can not refinance. I feel Wells knows they have me over a barrel and are doing this intentionally. I need an agency to intervene and find out if they are truly going thru files or if they have singled me out. I do not understand how I can be made to insure my home for more than it costs to replace it? I further do not understand why they are messing with my escrow acct like they are when I provided proof of payment both times. Please help. Every time I state something to them, they try to bury me in paper & legal jargon as well as documents I signed at closing ( something about RESPA, etc )

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 2023-03-05
Company: Experian Information Solutions Inc.
State: DE
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:
Submitted a complaint to credit Karma regarding account. This has not been reported as the bank account associate with XXXX XXXX stores has filed bankruptcy. There has been calls as many as XXXX times in XXXX day, and back to back recalls from the bank, Requested contact via mail yet calls continued. Dispute was completed for credit report. Information was successful removed. It is now reporting with different date of opening account,

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 2022-12-20
Company: Branch Messenger, Inc.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I purchased a plane ticket that was fully refundable. The charge was pending and I cancelled the service two hours after buying the ticket but the next morning this bank cleared a transaction that had been reversed. I reached out to this bank and showed proof my transaction had been refunded. It has been over a week an no return of funds. I called and was on hold for 52 minutes on XX/XX/XXXX but had to go back to work. I sent an email in a thread I had been having with a rep and still no reply. This debit card is through the Branch APP partnered with XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
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:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2018-03-13
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a vehicle from XXXX in XXXX XXXX, Texas in XX/XX/XXXX. The tags on the vehicle stated that it was a XXXX  XXXX XXXX. I did not realize that it was a XXXX until after the paper work had been ready sign and the loan financed by Santander. I tried to return the vehicle 7 days later after I had heard bad things about Santander XXXX XXXX. I could not return the vehicle. Santander has not applied payments correctly to the loan. I have made double payments and they have not been applied correctly. Also, the call at all times and days. They call from several different numbers. They have said that they have cancelled my contract and will reposes the vehicle. I have never had this type of problem with a car loan before. I don't know how to get out of this loan since the contract has been cancelled. they have ruined my credit. My bank says I should have never financed a car with them. They are misleading company and are not applying the payments correctly. I am a XXXX Veteran and my XXXX since this incident has multiplied greatly. I have cars financed all my life and never had to deal with a company such as them. They seem to be in cohoots with XXXX and both companies are both deceitful and use unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Chime Financial Inc
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
My checking chime account was charged by the merchant XXXX in XXXX XXXX with no consent or knowledge. I tried to dispute with my bank however my bank upheld the denial due to merchant providing a late transaction that I went to but not the recent one I never got services for. The merchant told Chime XXXX banking that I signed up for their membership that cost that much. However I was never told a membership had a fee or the website never stated that. The membership was free and the services was {$99.00}. Chime/XXXX  banking didnt investigate just went off based of what the merchant stated. 

Also I had a unsatisfied services for {$280.00} at XXXX XXXX XXXX XXXX  XXXX XXXX in XXXX XXXX that I was confirmed by merchant they will fix and the merchant never responded back to me to fix it. Chime/XXXX  banking still upheld denial. After I sent proof of emails merchant was suppose to correct services and never responded. 

Chime/XXXX  would need to be investigated as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: CITIBANK, N.A.
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: Problem with personal statement of dispute

Complaint:
I have disputed with this creditor XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I request bank transactions and proof that I was late with this creditor. The creditor never sent proof that I was late. The creditor has took over 30 days to update my account and perform an investigation. The creditor has illegally reaged my date late active from XX/XX/XXXX to XX/XX/XXXX. XXXX is missing date last active and is unverifiable. XXXX failed to do update my account and do a proper investigation.the creditor Last reported on my account XX/XX/XXXX even though my I sent my dispute XX/XX/XXXX. Todays date XX/XX/XXXX I have not received a update of a Re investigation from this creditor

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 2023-03-05
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-07-24
Company: Resurgent Capital Services L.P.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Basic code of 15 usc1681 ( b ) ( 2 ) any company reporting on your consumer report needs my written permission to do so.. if my permission was not given you violated my rights to privacy pursuant to 15 usc 168 ( a ) ( 4 )..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: HUNTINGTON NATIONAL BANK, THE
State: NE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Acquired a boat loan with Huntington Bank XXXX XXXX. Loan was paid in full and closed on XX/XX/XXXX. Reached out to the bank multiple times in XXXX to get the lien releases for the boat. After multiple attempts was told that the issue was closed and all information was sent to the XXXX oXXXX XXXX  XXXX. XX/XX/XXXX the XXXX XXXX alerted me to the fact the electronic liens where still on parts of the boat specifically the trailer. Opened new cases with Huntington Bank XXXX XXXX and asked this get corrected. Literally showed the customer service members how to obtain the " XXXX  Electronic Lien and Title Non-participating Lender Lien Release '' form including the fax number to where they needed to be sent per the DMVs guidance. They proceeded to mail them to me, also duplicates and incorrect/ not needed information, bot lien release not present. Tried to contact the person responsible for completing the form 5 times ( left voicemails ). Reached out to the bank on XX/XX/XXXX was notified they would put in another request for the lien release and I could expect to see it in 18 days due to the volume of requests. Escalated to a XXXX whom stated we sent them, it's neither here nor there if duplicates where sent. I mentioned XXXX  XXXX XXXX that states the lien release is required by state law within 30 days of the close of the loan. Gentleman stated he would escalate, but doubtful this will get resolved since the bank seems incompetent of following the easiest business practices such as this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, Bank of America credit card services was supposed to send me a check for an over payment on my credit card. I over paid {$1400.00} and initially they said they would send me a check that I would receive in XXXX days. That check never came. I called back multiple times being told ; it would be placed back into my credit card account, then it would go into my checking account, then they would mail another check. In XXXX I received another check that was taped together. Im assuming this was a postal service issue. I have called two additional times after the check to let them know the situation and been told it will go back into the account and in my bank account. None of which has happened and Im still missing my {$1400.00} with no end in sight!

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 2018-10-08
Company: CCS Financial Services, Inc.
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am currently a customer with XXXX, upon registering with them XXXX years ago I was made privy to a previously owed amount of {$100.00} which was from my final payment from my previous policy that had been returned due to my own error. Upon signing this policy it made me pay the PREVIOUSLY DUE AMOUNT of {$100.00}. I have talked to CCS ( Credit Collection Services ) for another completely frivolous debt that was insisted upon and that I was forced to pay due to their repeated threats to take legal action. This time, I had a positive experience with their representatives, but can not seem to get this taken care of. I have sent them two separate copies of my policy documents showing the payment of {$100.00} plus my term payment in full, yet they still will not drop it from my credit report. It has come and gone twice so far, and this time I want it gone for good. I am STILL a XXXX  customer, and am actually signing a new term with them this month after making all payments, on-time, consecutively, without issue. This debt was paid. Bottom line.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: American Credit Acceptance, LLC
State: SC
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:
We have been current on our car loan for a few months now. We disputed the correctness of the debt and the company sent letter agreeing they are reporting incorrectly. 60 day lates and repossessed. They stated they would correct this. They still have not after reporting 3 months in row. This has totally hurt our credit score or any chance at purchasing our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 Reporting act. The Listed accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX, XXXX, and Transunion stated that my account was properly investigated or it meets FCRA requirements. How is that possible when there are still errors and inaccuracies across all three agencies. High balances are different all cross the three agencies, dates last verified are all different, date reported, date opened, and date closed are different or are missing, payment history is inaccurate : This is grounds for immediate account deletion because these are all violations on my credit consumer file. 

Listed Accounts : XXXX XXXXXXXX ( account is suppose to be closed ) ( reported information is all inaccurate or missing across all three CRA 's ) Account # XXXX XXXX XXXX  ( reported information is all inaccurate or missing across all three CRA 's ) Account # XXXX XXXX XXXX XXXX  ( reported information is all inaccurate or missing across all three CRA 's ) Account # XXXX This is ground for account removal from all three CRA 's and monetary relief because my rights have been violated under 15 USC 1681 section 602 A which states my right to privacy 15 USC 1681 SECTION 604 A SECTION 2 which also states a CRA can not furnish a 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 2018-10-08
Company: LEXISNEXIS
State: AL
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 disputed a error of bankruptcy being reported on all three credit reports several times. Lexis Nexis is a third party reporting agency whose giving false information. I NOTIFIED THE BANKRUPTCY COURTS they sent a letter saying the do not report information to the credit bureau. I in returned sent the letter to all three credit bureaus the refused to remove it. I never received another reference number showing a investigation was being filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Report Act XXXX  Account : # XXXX, From : XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-07-24
Company: EQUIFAX, INC.
State: CA
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 XXXX XXXXXXXX XXXX account # XXXX, has violated my rights. Also, they are charging me this balance of {$540.00} when I have never received any money from them at all. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXXXXXX XXXX account # XXXX, has violated my rights. Also, they are charging me this balance of {$540.00} when I have never received any money from them at all. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish a 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 explanation