BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: NJ
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  Accounts # 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 instructi
ons.

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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-03-09
Company: EQUIFAX, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Care Credit gave me a credit line of $ XXXX in XXXX after I had paid nearly $ XXXX off they reduced my limit to $ XXXX making it apear as though my card was maxed out causing my credit score to plummet. I suffered dropping creditt scores and was denied financing as a direct result of ther tactics. They just reduced it again from $ XXXX to $ XXXX after I had nearly $ XXXX available credit on the $ XXXX. I called to conftront the obvious scam tatctics and was not surprised to find their reasson to reduce my credit line was that i wasnt using the creidt therfore they destroyed my credit becasue i was being responsible with the credit line. 

Shameful, they need to make this right they charged me enormous fees and then they destroyed my credit i am reading through thousands of consumer complaints exacalty the same as mine. Care Credit is a predatory lender

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 2023-09-14
Company: CITIBANK, N.A.
State: FL
Product: Credit 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:
On XX/XX/2023, my scheduled monthly payment date, I scheduled a one time only online payment for the balance of my credit card debt ; the actual balance for purchases at that time was XXXX dollars ; my one time only online payment was scheduled for that amount. 
I had previously established a XXXX dollar auto pay to be paid on the same day, this is an auto pay that I had established months ago and for many months, I have been paying my balance with that auto pay amount. 

Mistakenly I did not " uncheck '' the monthly auto pay of XXXX dollars for the pay date of XX/XX/2023, consequently, Citi requested both the XXXX XXXX time only payment and the XXXX auto pay from my bank. The XXXX was paid but the XXXX auto pay was returned as insufficient funds. 

Due to a policy at Citi Bank, Citi created a debit balance for the XXXX dollar returned funds and today they insist that I must pay the XXXX " outstanding balance ''. I have discussed this issue with Citi Bank Customer service on three occasions, explaining my position that the XXXX dollar " debit '' is not supported by any purchases and that the balance of my account was paid in full with the {$9000.00} one time only scheduled payment. The XXXX dollar balance is nothing more than an accounting place holder and does not represent any funds spent nor does it represent any funds due. Citi charged their XXXX dollar returned funds fee three times and I paid those fees. 

After the several conversions with customer service representatives and their managers, I've been told that the balance stands and must be paid. Customer service reps nor their managers bothered to look at my account balances- they simply maintain that a returned payment represents a debit and that I am responsible for paying that debit. ( and the returned fund fee ) Citibank Credit cards create debit balances from mistaken attempts to pay off my credit card balance equal to the attempted or mistaken payment regardless if the mistaken payment attempt is represented by any purchases or previous balance. 

After a month of arguing about the unfounded balance they closed my account and are demanding the XXXX dollar fake balance be paid. 

I am seeking to have the XXXX fake balance be recognized for what it is, an accounting place holder and be credited from my account balance. 

I'm sorry I can not provide account summaries that support my. are, once Citi closed my account they denied access to my my previous account statements. The only statement that I have access to is XXXX 's statement which shows {$6600.00} worth of purchases and the XXXX returned payment fee. I paid the {$6600.00} balance and as mentioned above I am seeking to resolve the XXXX dollar fee.

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 2023-11-14
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
See attached documents, the personal information you are reporting are not mine.

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 2023-09-13
Company: STATE EMPLOYEES CREDIT UNION
State: NC
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:
I XXXX XXXX examined my credit report and found that a late payment dated XX/XX/2023 from State Employees Credit Union. 

According to law Title 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) ; Rule of Construction, it states a " " consumer report '' does not contain information solely as to transactions or experiences between the consumer and the person making the report ; ''. A credit note or a late payment is considered a transaction ''.

Account Name : State Employees Credit U Account Number : XXXX Please Remove this Credit note/transaction. It is illegal and it is affecting my credit worthiness. I never signed my WET SIGNATURE nor gave State Employees Credit Union WRITTEN INSTRUCTION to report information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 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 2023-09-13
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed a XXXX XXXX XXXX petition on XX/XX/2023. The XXXX account is part of my XXXX XXXX XXXX. This company keeps reporting inaccurate information of late payments to my XXXX credit bureau from XXXX, XXXX. The XXXX was XXXX in XX/XX/2023. I have produced the XXXX  XXXX information and Recission document which shows XXXX is included in the XXXX. The late payments should be removed, and it showed show on my end XXXX  XXXX. The XXXX rep said he could see from his end that the file does indicate a XXXX XXXX XXXX for this account. However, when I pull the report it shows with past due payments from XXXX until current with a balance owing. I have tried several attempts in speaking with XXXX collections and XXXX  department with no success. The other XXXX reports are updated according at XXXX and 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 2021-05-28
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
On XX/XX/XXXX, I acquired a XXXX XXXX XXXX in a lease option thru XXXX XXXX of XXXX XXXX California. My lease expired on XX/XX/XXXX so before the expiration date, I applied for a new loan with XXXX XXXX XXXX XXXX XXXX, my loan was approved and they send the check in the amount of {$14000.00} to Nissan Acceptance Corporation, they financed the lease. Nissan received the check on XX/XX/XXXX but they rejected the payment because they say that the check was supposed to be issued to XXXX XXXX XXXX XXXX XXXX XXXX by XXXX XXXX. 
Until today Nissan Acceptance Corporation has not sent the check to me or the XXXX XXXX and that is hindering the possibility to pay my car, Nissan has retained the check for the payoff of my car for 1 months. 
XXXX XXXX XXXX XXXX is sending me texts ordering me to bring the car because my lease has expired even though I am making the monthly payments.

What I can see here is tha Nissan Acceptance Corporation is playing games so I am not able to pay my car and be obligated to buy a new car. 
Help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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:
The creditor conducted this inquiry without proper authorization, and it must be removed immediately.

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 2023-02-08
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 2020-04-12
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX  XXXX Date opened- XX/XX/XXXX account # XXXX remaining balance was- {$820.00} charged off in bankruptcy new reported credit shows it under another agency now LVNV Funding LLC XXXX Collection on - XX/XX/XXXX account # XXXX Balance- {$820.00} Original Creditor : XXXX   XXXX XXXX  Status- In collection This account should not be on my credit report and was already charged off on my bankruptcy. Please remove off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My account was sold from XXXX XXXX to Rushmore XXXX  XX/XX/XXXX. Prior to this transfer, I contacted Rushmore in XX/XX/XXXX to explain that I was being assisted through the Hardest Hit Fund for mortgage payments. I was told that there was nothing to do at that time because there was no loan number to research and that I would be receiving a welcome packet with the loan number. In XX/XX/XXXX, Rushmore was still unable to provide any assistance due to the account not being transferred to their office. In XX/XX/XXXX I started to receive foreclosure letters, approximately three in total when I was advised by Hardest Hit  that they were in contact with Rushmore and was awaiting documents from their office to resume payments. 

I would like this harassment to stop immediately. This is the beginning with a new servicer and I am extremely stressed that this is starting to be a repeated pattern as before with XXXX XXXX XXXX. 

Hardest Hit emailed me an update on XX/XX/XXXX, that my loan will be brought current on XX/XX/XXXX in the amount of {$1900.00}. According to Hardest Hit, this confirmation was also sent to Rushmore XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: FREEDOM FINANCIAL NETWORK
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
On XXXX I enter into an agreement with Freedom Debt Relief to communicate with my creditors and discuss any and all details of my financial situation. 
XXXX XXXX * XXXX  XXXX * XXXX XXXX  * XXXX XXXX ( XXXX different accounts ) On XXXX I signed an agreement for Freedom Debt Relief to begin negotiating settlements of my debt obligations. We also set up a Financial Hardship Statement. 

XXXX I established an ACH debit from my account for {$690.00}. The payments were establish to be deducted bi weekly with me paying {$320.00} twice a month. 

XXXX I received a letter from Freedom Debt Relief stating a settlement was approved with XXXX XXXX for the amount of {$3600.00}. 

XXXX I received a letter from Freedom Debt Relief stating a settlement was approved with XXXX XXXX  for the amount of {$1800.00}. 

XXXX I received a letter from Freedom Debt Relief stating a settlement was approved with XXXX XXXX for the amount of {$10000.00}. 

XXXX I reviewed my Freedom Debt Relief account and noticed I had deposited {$22000.00} into the Freedom Debt Account, which exceed the settlement amount by {$6900.00}. 

XXXX I print a copy of my XXXX  Credit Report and noticed the accounts XXXX XXXX, XXXX XXXX   and XXXX XXXX accounts were closed and charged off due to non payment. 

On XXXX I called Freedom Debt Relief and talked to a Customer Representative name XXXX. When I asked about my accounts not being paid, his only response was I had not accumulated enough funds in my account to pay all of my settlements. 
I asked how could that be if my account summary clearly states I have deposited {$22000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: U.S. BANCORP
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I still have not received a check as promised for the amount in my account when US bank closed the account in XXXX. ( {$3000.00} plus interest ). On XX/XX/XXXX, I sent them requested info to ( again ) verify the account. The reply email stated that they would rescind within 24 hours. They never responded. I am reading online of many other people in a similar situation. This is THEFT of money and nothing is being done about it. US Bank needs to be FINED and returned all money it has STOLEN from its customers.

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 2022-03-09
Company: ROBINHOOD MARKETS INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Over a period of 2 days in XXXX ( XXXX ), I had {$4100.00} debited from my account without my authorization. I contacted my financial institution, Robinhood, on the XXXX when I noticed all funds from the cash management ( debit portion of account ) had been depleted. 

All transactions have been to the same vendor and only minutes apart. The amount debited from the account range from a few dollars to a little more than {$40.00}. This was consistently done over the two days time. 

I have tried, in good faith, to get a hold of Robinhood and get the issue rectified. It is now early XXXX and I have heard very little from them, if anything. I have sent several emails, have tried multiple times to call on the phone and have spent multiple hours on the phone with little success. I can not get a hold of anyone that can let me know of the status of my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Monday, XX/XX/2021 at approximately XXXX XXXX  I was Sitting in the backseat of a car at the gas pump at a XXXX gas station on XXXX XXXX in XXXX Georgia The driver in the front seat passenger were in the store and while they were in the store two men came into the car put guns to my head and took everything I had. Two of my phones, my purse, and my wallet which included : my Social Security card, ID, license, bank cards, and credit cards. The robbers immediately began running through my account at gas stations doing ATM withdrawals ( which have cameras and should be able to be looked at ) XXXX to XXXX XXXX and Using XXXX XXXX from the phones they took from me. When I was finally able to get to a phone I called my bank Wells Fargo to dispute the charges and cut my card off. They Made a claim and cut my card off sent out a new card but updated the cards on my phone that was stolen so the robbers were able to run through the rest of my bank account until I went into the negatives. When I noticed this I called again to file another claim. A total of XXXX was taken from my account. I filed over four claims all were denied. I tried to appeal the decision of the claims and provide a police report and I was denied again. I made a complaint about the decision to the executive office it was denied a final time and I was told that there was really no way of getting the money back at this point. I am submitting this complaint for myself because that was all the money I had to my name and Ive been without any money to my name, been without food, not able to pay my bills for the last month. I am a single XXXX year old woman and XXXX, I do not have a job and am completely independent so this is impacting my life very terribly I am willing to do whatever it takes to get my funds back. I did further research and typed in the numbers they sent money to and found names and addresses of people involved if that helps 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 2023-09-13
Company: Winklevoss Exchange LLC
State: CA
Product: Credit 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:
XXXX ( XXXX ) consecutive and unauthorized transactions, seemingly at a gas station in XXXXXXXX XXXX, of {$150.00} and {$140.00} respectively. I previously used the card an hour before at a market near my residence in XXXXXXXX XXXX. Gemini the credit card holder will not confirm if I filed a dispute on my end, despite locking the card and choosing 'submit a dispute ' under both transactions. Concerned that the total $ will not be removed from my statement, which renews in XXXX week. The Support Team seemingly has no training or experience on how to process a dispute, issue provisional credit, and/or the timeline around an investigation.

Company response to consumer: Closed with explanation