BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
On, XX/XX/2023, I sent a letter to Experian asking them to investigate my credit report for accuracy. The investigation letter is attached below. They did not investigate nor did they respond to me in writing within the 30 Days required by the The FCRA, The Fair Credit Reporting Act, " says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. '' On XX/XX/2023, I sent a certified letter to Experian stating that they had violated FCRA by not investigating and responding within 30 days of my request to investigate and they must by law now remove All negative items reporting on my credit report. To date they have not complied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hi I had a mutliple ammount of unathorized transactions on my chime debit card. I contacted chime about this transactions and I open cases for them, my claim was denied by them almost right away without them really looking into it. I was told to contact the merchant. the issues consisted of one merchant twitch. there were 2 different type of transactions related to twitch. one of them were transactions saying sub service at the end while the other transactions mention xsolla bits as the other description. I contacted twitch directly about this issues and they were of no help. I got the emails back from them they say they are unable to find my information and to just solve it with my bank, meanwhile when I contacted xsolla for the other transactions they were able to find me and refunded me the charges as they were fraudalent. This took care of half of the problem as the other half of the transactions were still not refunded. so now im out almost XXXX XXXX this are the following transactions and ammounts and dates that were not refunded by twitch. This are fraudalent transactions that I never authorized. I been going back and forth between my bank chime and twitch for a solution but nothing has happen I ask that you help me as chime should refund me for this transactions as I never authorized them. by the way the claim number that had all this transactions on chime is All of this transactions say XXXX twitch sub srvc on my card statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: ALLY FINANCIAL INC.
State: OH
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:
Recently with Ollo Credit Card CompanyXXXX XXXX XXXX Then Ollo went to XXXX a few months ago. 

Then Ollo changed over to Ally. 
who is now telling me my interest charge is XXXX I called and asked them to lower it and some woman name XXXX who said she was a finance manager told me No.

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 2023-03-02
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX North XXXX XXXX XXXX XXXX, Alabama XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following charge off accounts on my credit report : XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account I believe these accounts are reporting incorrectly on my credit report. [ Add any additional information here, such as if you've paid off the account or if you don't recognize the account. ] As such, I am requesting that you investigate these accounts and remove them from my credit report if they are found to be inaccurate. 

Please provide me with written confirmation once this dispute has been resolved. 

Thank you for your attention to this matter. 

Sincerely, 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 2017-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On  XXXX / XXXX /  XXXX  , I submitted complaint #  XXXX , On  XXXX / XXXX /  XXXX   Bank of America gave the appearance of responding and closed the complaint ; however, Bank of America did n't take the complaint seriously and in Bank of America 's response to us they provided old copies of their Attorney 's    XXXX   XXXX   XXXX   XXXX     response to old complaints which never answered questions in previous complaints AND DEFINITLY DID N'T ANSWER THE QUESTIONS IN THIS COMPLAINT. When I called Bank of America and asked them why they did n't take OUR complaint seriously BANK OF AMERICA CUSTOMER SERVICE REPRESENTATIVE INDICATED IT WAS USELESS FOR US TO SUBMIT COMPLAINTS TO THE CONSUMER FINANCIAL PROTECTION BUREAU BECAUSE THE CONSUMER FINANCIAL PROTECTION BUREAU IS SHUTTING DOWN AND WE WERE WASTING OUR TIME. THE BANK OF AMERICA CUSTOMER SERVICE REPRESENTATIVE ALSO INDICATED THAT MY  XXXX  MUST CAUSE ME TO BE SLOW TO UNDERSTAND THINGS BECAUSE I WAS N'T GETTING THAT THE CONSUMER FINANCIAL PROTECTION BUREAU IS SHUTTING DOWN. THE BANK OF AMERICA CUSTOMER SERVICE REPRESENTATIVE INDICATED BANK OF AMERICA WAS N'T GOING TO ANSWER ANY COMPLAINTS SUBMITTED THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU BECAUSE THE CONSUMER FINANCIAL PROTECTION BUREAU IS SHUTTING DOWN. THEREFORE, ALTHOUGH I MAY BE SLOW I AM FILING MY COMPLAINT AGAIN BECAUSE BANK OF AMERICA NEVER GAVE ME A ANSWER BECAUSE AS BANK OF AMERICA INDICATED THE CONSUMER FINANCIAL PROTECTION BUREAU IS SHUTTING DOWN AND THEY DIDNT HAVE TO ANSWER MY COMPLAINT. ALTHOUGH AS BANK OF AMERICA INDICATED THE CONSUMER FINANCIAL PROTECTION BUREAU IS SHUTTING DOWN THEY ARE N'T SHUT DOWN YET AND SO THIS SLOW PERSON IS GOING TO REFILING OUR COMPLAINTS UNTIL I GET A RESPONSE TO MY COMPLAINT.       Bank of America has violated Bankruptcy  Law  and state and federal laws by trying to foreclose on our home while in bankruptcy with fraudulent documents. Master Servicer Bank of America developed a scheme and transferred loan to  XXXX   XXXX   XXXX  to cover up Bankruptcy Law violations.

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 2019-01-28
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted by a company referring to themselves as commonwealth associates. The person I talked first to said he was lawyer and didnt give me his name. He had all of my personal information SNN, addresses, and email. They informed that I was being sued due to a debt that went unpaid for a private student loan. I asked for information but was greeted with rudeness and threats for arrest and court summons then he hung up on me after refusal to pay on the phone. I called back to try and working things out. I asked them for verification of debt, but was met with refusal. I told them I wasnt paying anything until I got verficiation. They sent me a so called stipulation via email without telling me what it was. The original debtor was XXXX XXXX which is an online college I attended. The last person I talked went by the name XXXX XXXX, and he informed that they were looking into garnishing my wages or taking my tax or they would send a court summons. I cut him off before he started asking me questions. I told him he wasnt getting any personal information from me. He said Ill take that as you want me to send out the court summons then and hung up. I reached out to XXXX to confirm the debt, and was told by one of their representatives that there was no private loan debt of {$3700.00}. I also asked if I had anything sent to collection and she said no other the {$2700.00} that I already paid in full. I then reached out to XXXX XXXX XXXX which was the original company that XXXX has sent the debt to. The representative there stated that I paid in full. I told her about the situation. She said that its a scam and she will file a report with her company. Commonwealth Associates also contact my parents and gave it my SSN to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: Bread Financial Holdings, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX ( I believe ) has been calling my cell phone, ( XXXX ) XXXX for the past 2+ years for a XXXX XXXX . I don't know who this person is, repeatedly told the company this, and asked them to take me off their calling list, and I still get a phone call every few months. I've had this XXXX number for over 10 years and now live in XXXX. Because of this, they have woken me up at least once at near XXXX. 

I don't have a full list of incidents, but have a few voicemails from them for the few times I didn't answer my phone. They've called me at least 20 times within the past couple years. Here are the dates/times I was called, the phone number that called, and a brief description. All of these voicemails reference XXXX XXXX. 

XX/XX/2017, XXXX XXXX : ( XXXX ) XXXX - Only asked for XXXX XXXX. XXXX call, no callback number. 
XX/XX/2017, XXXX XXXX : ( XXXX ) XXXX - Was asked to call XXXX. 
XX/XX/XXXX, XXXX XXXX : ( XXXX ) XXXX - Was asked to call XXXX. 
XX/XX/XXXX, XXXX XXXX : ( XXXX ) XXXX - Was asked to call XXXX. 
XX/XX/XXXX, XXXX XXXX : ( XXXX ) XXXX - This is the call I picked up today, with the person asking for XXXX XXXX once again. I just hung up as I've already asked them numerous times to stop calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26
Company: EQUIFAX, INC.
State: MN
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:
XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX EQUIFAX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX A report has been filed with FTC. Please remove the inquiries in this dispute Thank you for reporting identity theft to the FTC. 
This is not your temporary password. Your temporary password will come in a separate email. 
Your reference number is : XXXX I recently received a copy of my ( Equifax XXXX credit report and I notice there is an unauthorized/fraud credit inquiry made by XXXX the companies listed in this complaint ). I did not authorize these credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate the removal process for these inquiries. Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report. 

Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: U.S. BANCORP
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:
We moved from XXXX XXXX, XXXX to XXXX, XXXX in XX/XX/XXXX. We paid our bill with the moving company with a U.S. Bank credit card. 6 months later, in XX/XX/XXXX, the moving company charged our U.S. Bank credit card without our knowledge or consent. I did not know they charged the card until I received my credit card statement in the mail. It was not until well after the transaction was disputed and I filed a complaint with the XXXX XXXX XXXX that I learned a billing error occurred in XXXX, and they thought they could just charge my card without my knowledge to make up the difference. 

I called the credit card company several times, disputing the charge. I did not authorize it or sign for it. They told me that because the moving company produced a bill, that they would not reverse the charge. 

I notified them that they are obligated under the law to ensure each transaction is authorized. I asked them, if this was not the case, then why do point of sale transactions ask consumers to sign for each purchase? I was told that because I gave them my credit card information in XX/XX/XXXX that they could use it whenever they wanted as long as they could prove I owed that company money - whether or not I authorized the transaction. 

I was told by my credit card company on the morning of XX/XX/XXXX at roughly XXXX XXXX EST, by a man named XXXX in their dispute department, that they do not require proof of my authorization of charges. XXXX told me that it was only necessary for them to see a bill from the charging company, despite my authorization of use of my card not being anywhere on that bill. 

My credit card company allowed an unauthorized transaction to run on my card, and told me that my dispute was invalid even though I never authorized the transaction, and I was never even notified the charge was being made - or that I owed any money at all.

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 2023-04-10
Company: Driveway Finance Corporation
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am writing to express my deep concern about the current situation regarding my purchase of a XXXX XXXX account # XXXX from XXXX. I have been receiving statements for missed payments, despite not having received the car or the title. 

I purchased a car from your dealership, and at the time of purchase, I was informed that the car would be delivered to me within a few days. However, it has been several months, and I have yet to receive the car or any information about the status of the delivery. 

Additionally, I have not received the title for the car, which is necessary for me to register it and legally drive it. Without the title, I can not legally take possession of the car, and I am concerned that I will be held responsible for any damage or accidents that occur involving the car, despite not actually having possession of it. 

I have tried to reach out to your dealership multiple times to resolve this issue, but I have not received any response or assistance. As a result, I have been left in a difficult position, with statements for missed payments but no car or title. 

I hope that you will take this matter seriously and work to resolve it as soon as possible. I expect to receive the car and the title promptly or a full refund of my money paid for the car. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am a victim of identity theft.

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 2018-03-08
Company: JAN (LendUSA) Holdings, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We recently purchased an investment property in XXXX ( GA ) and got a conventional loan from LendUS , LLC ( through XXXX XXXX XXXX  ). We have two complains to the loan company : 1 ) the loan cost was too high, there were clearly duplicating charges, see below : A. origination charge $ 2332.66 % point of loan {$0.00} Doc review fee {$690.00} Origination fees {$780.00} Process fees {$350.00} Underwriting fees {$500.00} 2 ) the loan officer was behind schedule, did not leave us time to question and shop around.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: Diversified Consultants, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On Friday XX/XX/XXXX, an unknown number ( XXXX ) called my phone and left a voicemail seeking myself. I returned the call and they ( Diversified Consultants ) spoke on a past due bill with a cellphone company, XXXX XXXX. I stated, on a recorded line per the caller, that I do not have a contract with your company and as I have before I will go into one of the cellphone company 's locations and make the payment and representative stated ok that is fine. They ( Diversified Consultants ) have repeatedly called both of my numbers ( the second is XXXX ) as early as XXXX XXXX and as late as XXXX ( XX/XX/XXXX ). Furthermore, I do not believe the company is local to my city/state, therefore they are cloning a prefix ( XXXX area code ) and calling from several numbers ( XXXX, XXXX, XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023, I received an email from my bank Truist about suspicious activity on my debit card for a transaction amount of {$2100.00} from a restaurant in XXXX. I had been in XXXX at the time but did not recognize the charge and called my bank immediately to report it as fraud. 
Upon calling, I was told that the merchant initially tried to charge my card for {$2100.00} which was denied. Then, my card was charged a slightly lesser amount of {$1800.00} which went through. 
I don't understand why Truist allowed the second charge to go through when they deemed the first charge of {$2100.00} from the same merchant as suspicious. 
I submitted a claim for a fraudulent transaction with Truist and provided the bank with all the information as requested. My claim was, however, denied by Truist.

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 2023-06-05
Company: Experian Information Solutions Inc.
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:
I submitted a letter to the Experian Credit Bureau to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX  XXXX XXXX Balance : {$460.00}

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 2023-07-23
Company: Experian Information Solutions 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, the account list below has violated my federally protected consumer rights of privacy and confidentiality under 15 U.S.C 1681. 

XXXX : Account number 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 2 also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681s-2 ( A ) ( 1 ) states 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 explanation