BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Transunion is reporting an old debt from XXXX XXXX - its older than 7 years old - the debt was opened XX/XX/XXXX paid in full XX/XX/XXXX. its also being reported as 30-59 Days Late when the loan is paid in full. 

i tried to obtain financing for a car recently and was denied to this old debt being reported. this is affecting me tremendously

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 2022-03-03
Company: CITIBANK, N.A.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XX/XX/2022 my statement from Shop Your Way Mastercard charged me interest for late payment of the amount charged in XXXX, XXXX. The payment was due on XX/XX/2022 and their records showed that the payments were made on XX/XX/2022. I called the Customer Service line and when they reviewed the transactions they agreed that the charge was incorrect and told me they would eliminate the interest charge, so, I made a payment less the interest charge. 
I just received the XX/XX/2022 statement from Shop Your Way Mastercard, and they did it again. This time the payment was due on the XXXX of the month and the payments were received on the XXXX of the month. 
When I called them, they refused tor waive the interest stating that I had not paid the prior balance in full. It didnt ' make any difference how many times I explained that the balance paid was the amount less the interest I was illegally charged, they insisted that the balance for the prior month had to be paid. So, basically, they are charging me interest on interest which is illegal. 
You assistance in investigating Shop Your Way Mastercard appears to be necessary

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had multiple credit cards opened in my name fraudulently. XXXX were through Capital One and another through XXXX. The XXXX account was found to be fraudulent, and only XXXX of the Capital One cards was found fraudulent by Capital One. I filled out the paper work for both Capital One cards that they require when filing a frailest claim, ( XXXX was a XXXX XXXX card, which was found fraudulent, and a XXXX XXXX card which they said was not fraudulent ) and returned the documents required in the time they told me to. I filed a police report, identity theft report with the FTC, and notified all the credit bureaus. Both Capital One cards were opened on XX/XX/2022, and both cards had charges on them to max out the approved amount for each card. Capital One only believes XXXX of those accounts were fraudulent for some reason. When I called to dispute this, they claim that there are phone records tied to my phone number about the account, which they will not disclose any information about. I told them that they should have a record of my number calling them about the account, because I reported it being fraud. On top of all of this the account was opened and charges were made in XXXX, Florida. Ive never left the west coast. I asked them why I wasnt notified about the card being opened or even why maxing out the card in Florida wasnt enough to put up a red flag. They said that the activity wasnt found to be suspicious in any way. I find that ridiculous, and unprofessional for a large bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: WV
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:
In accordance to the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B 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 explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: CA
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2021-11-02
Company: Mutual Financial Partners
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX XXXX represented himself as a XXXX XXXX Department, and not only talked to XXXX our company 's receptionist, but the head of Human Resource XXXX XXXX. 
he told personal information and had everyone looking for me like I was or am a criminal, for a payday loan, this is unacceptable and unlawful, I have reached out for a private attorney to have this person and company sued for defamation of my character. they left the case # XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-12-24
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 the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 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. 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 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 2022-07-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I signed up for the forbearance program with Wells Fargo and also to defer the missed payments to the end of the loan due to XXXX. This lasted 18 months and now they are telling me I need to pay $ XXXX to avoid foreclosure. They told me last year if that if I made 3 months of payments, I could qualify for a refi. I paid those 3 months and every month since then. The refi they offered me would have cost an additional {$30000.00} so I told them I wanted to stick with the original deferment plan instead. Now they are saying that they offered me to go back to the deferment plan but I had declined it ... .which was a lie and also that I never responded to the 2nd time they offered it to me, which was also a lie. I have talked to no less than 8-10 people there dozens of times..no exaggeration. 1 employee told me that he had to apologize for a lot of what other Wells Fargo employees had said over the last 3 years because they were saying things they shouldn't have. 1 of them flat out told me that my only option is pay the past due amount or they will foreclose on me. 1 one of them disconnected the call as soon as I told her I was recording the call as well. 
I just want to do the forbearance plan that I agreed to initially and they refuse to honor it. This week they asked for another loan application from me so that they can find more loans at much higher rates now. I am still XXXX  due to XXXX so I can't even look for loans any where else. Please help me.

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 2021-11-09
Company: HYUNDAI CAPITAL AMERICA
State: NV
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:
On XX/XX/2021 Hyundai Motor Finance received a payoff on my auto loan. 
I had refinanced my home and they had sent a check to pay the Hyundai loan in full. 
Unfortunately the check overpaid my loan by over {$1000.00}. I called them on or around XX/XX/2021 to inquiry about my refund. They said that they would issue a check which supposedly they did and sent to an old address which wasn't even on the loan with them. I have since contacted them 3 times to see if the check had been reissued. The last time on XX/XX/XXXX after speaking with a XXXX, he told me that the check had on been reissued yet. All of the other employees had told me that it had and sent to my correct address and the only ADDRESS they have for this loan. I requested that the XXXX have the check reissued and sent via XXXX XXXX  to my home since it has now been over 60 days since they have been paid in full. He refused unless I gave them a XXXX XXXX #, which I don't have one. 
It seems like I am getting the TOTAL RUN AROUND and know if I was 60 days past due that they would definitely be taking some action.

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 2023-10-02
Company: Experian Information Solutions Inc.
State: WV
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:
In accordance to the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B 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 explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed a report with the FTC. I do not recognize any of this stuff. I can't believe how my credit has been run. 



XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 2015-12-22
Company: ALLY FINANCIAL INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Dear XXXX XXXX ( CEO of Ally Bank ), If you happen to read this comment, I want you to know that your customer service/retention is awful. My husband and I over nighted several checks written and signed to both of us and instead of depositing them into my account, a representative of your company gave us the run around and ultimately referred to your companies policy to deny a deposit for any reason. XXXX, what is the point of having an online bank if I also have to have an account with a brick and mortar bank to have checks deposited? I now have to wait on snail mail ( during the busy holiday season ) to receive our checks back and then open a brick and mortar bank account just to receive OUR money from these checks. As soon as it is possible for our family, we will be withdrawing our money and direct deposits from your bank and closing our account as you clearly are not a customer friendly bank. Get it together as the CEO of this company XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-13
Company: CITIBANK, N.A.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/ 2017 I applied for a ( Best Buy ) credit card and the application came back as declined because the system was down and overloaded, five days later I received a letter in the mail w/my Best Buy credit card, saying that my ( Best Buy ) credit application have been approved, but i notice it left a hard inquiry on my credit report. Best Buy, tv & electronic! Thanks you, ,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 explanation
Consumer complaint received 2022-12-12
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I've had multiple calls with Syncrhony Card Security department. They have been charging me a Card Security fee that I had never noticed until this month when completing company expense reports. I used my PayPal XXXX XXXX ' account, which is powered by Syncrony XXXX Upon further digging and calls with this department realized they have been charging me this since 2009. On my last call, I made them cancel and prior to hanging up the rep offered me ~ {$1100.00} refund on the phone, which I took as an immediate acceptance of fault and explicitly stated " I don't accept this offer, I want a full refund because I never authorized this service ''. He said their department would be in touch within the next 3 business days -- that was 2 weeks ago. Since, I logged into my Paypal account today and noticed a credit of {$1600.00}, which I did not accept or authorize. For at least 18 months they have charged {$160.00} per month for this stupid 'card security ' benefit/service, so the above credit doesn't even cover the year they have fraudulently taken money from me. My only request on my last call, which I have not received yet, is that ( 1 ) I wanted a report of every month this fee was levied and ( 2 ) I wanted all of the metadata on any click-through or acceptance I had every executed, which shows that I acknowledged purchasing this service so that I could give both to my legal team and instead of giving what I requested, they have attempted some arbitrary credit. I've included my last written correspondence from them, in which you can see there is no mention of a refund, just acknowledgment of cancelation of the service. 

At this point, this particular department and bank is not listening to my requests, and I frankly am not sure what to do at this point other than leverage CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-05
Company: Experian Information Solutions 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:
in accordance with the Fair Credit Reporting act 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 states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2019-04-08
Company: ACS Education Services
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company filed a negative credit notation on my credit for a debt from XXXX, and can not be reached. it has no valid phone number. The debt was paid off the actual collection company that has the account with XXXX. The company is re-aging this debt to show it as if it was a brand new debt. The debt was forgotten by me after a XXXX bankruptcy. As soon as I learned of it, I paid it off. This company can not be reached and it did not have the account since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a rent relief check in the amount of {$22000.00} into my friends account, and the bank put a hold on her account because of it. But the people who wrote the check said and also sent me proof that the check has been funded on XX/XX/XXXX of 2022. The bank has been holding my money since.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus

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 2019-04-08
Company: CNG FINANCIAL CORPORATION
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:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : l XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX/XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please see attached file

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