BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-29
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XXXX XXXX I visited XXXX at XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and test drove a 2022 XXXX XXXXXXXX XXXX XXXX  that was priced at {$43000.00} after the test drive I informed the salesman XXXX XXXX that I was interested in purchasing the vehicle he then informed me that the vehicle would be ready for me by Monday XX/XX/2022. After filling out and signing the application ( which no copies were provided to me ) he walked away somewhere and after being away for a short amount of time he then returned to me and said that the process was taking a little longer than expected and that they were close to their closing time and told me to check back in with him. Due to the fact that it was a weekend and after him stating that the vehicle would be ready for me by XX/XX/2022 I waited until then to contact him only for him to tell me I was denied because my credit wasn't good enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: CREDIT ACCEPTANCE CORPORATION
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I have a inquiry for Credit Acceptance  XXXX XXXX XXXX XXXX on XX/XX/2020. I didn't authorize this request.

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 2021-07-18
Company: CCS Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Citizens Bank is grossly mishandling a fraud claim. They refuse to reimburse me the amount of {$150.00} that was stolen from my account on XX/XX/2022 via debit card transaction. When I filed a fraud claim with Citizens Bank they erroneously made a stop payment for a transaction that I authorized to XXXX XXXX XXXX XXXX on XX/XX/2022. At this point I explained to them that an error was made and I filed a new claim for the correct transaction that was definitely fraud. Now citizens Bank has told me five times they refuse to honor the claim because it is a duplicate claim. It is not a duplicate claim. The banker who filed the original claim made an error. Now they are refusing to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, 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:
EQUIFAX is in violation of the below laws on the account mentioned, and I want them removed immediately after they failed to respond to my demands in the required 30-day time to respond. 

XXXX XXXX, ACCOUNT # XXXX*HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: OneMain Finance Corporation
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
After loan closed received instruction for monthly payment and set it up accordingly. In addition to the monthly payment I emailed the company to apply all additional payments to principle only. After making 8 additional payments on a weekly basis they called to notify me that they pushed all payments to XXXX as early payments because I should have called them and there is nothing I can do about paying early. They already applied my payments until next XXXX. 
No company should have the right to take all payments and apply them how they want to without customer notification and secondly call to tell you they were applied to the account differently than requested by customer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Activehours
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
The comps Earnin advertised that I could cash out a {$50.00} balance while they verified employment yet upon cash out they say you wont get it until they verify employment. 

In the time it takes O would no longer require the {$50.00} yet Id still have to pay it back with interest, Seems like a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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: Credit inquiries on your report that you don't recognize

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I used my debit card to pay for something through XX/XX/XXXX on XX/XX/XXXX I received the items damaged and the merchant was rude and didnt help cant reach anybody from XX/XX/XXXX called my bank and did a claim now there not hleping 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 2022-10-29
Company: United Collection Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested verification of their license to collect in Michigan and validation of alleged debts via certified mail. They havent provide me proof of their license. Around XX/XX/2022, they sent over XXXX such as medical bills that included sensitive medical procedures and medications prescribed. I have not signed a XXXX form authorizing the release of this medical information ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-05-03
Company: FC HoldCo LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. Thank you for your prompt attention to this matter. Sincerely, 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 2023-10-03
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:
Today, I am writing this complaint to EXPERIAN regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those accounts mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report.

payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which 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 2023-05-03
Company: New Century Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am a XXXX XXXX XXXX resident. Received this week a lien on my account for {$1000.00} for an amount due to XXXX of {$5600.00} for a XXXX DEBT apparently. I have not had a XXXX account in over XXXX plus years yet they were able to get into my account without a legal document presented to me. This morning XXXX XXXX XXXX put a double lien on my account for {$9800.00}. I had less than {$4000.00} in my account. Now I can not use my banking account as it is blocked and overdrawn for {$9800.00}. I have asked the law firm XXXX, XXXX XXXX  XXXX to provide back up documents and have not heard. They said they had to ask XXXX. They should have had this already if they put a lien on an account. They claim to have had this since XXXX. Even if there is a debt it is way beyond the XXXX XXXX XXXX Statue of Limitation and they refuse to hear this. They simply say pay the debt. I will not pay on something I do not remember. 

I have no records dating back XXXX plus years. I want my account restored but XXXX XXXX XXXX who says I have to resolve it with the suing law firm. The law firm refused to work with me. I would first like to complain about the credit collection agency that after 20 years want to put this into collection. 

Company submitting the lien is : New Century Financial Services , Inc . 
XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX XXXX, ext. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to dispute a fraudulent collection account that has been reported on my TransUnion credit report. The collection account has been placed by XXXX XXXX XXXX on XXXX XXXX, 2023. 

I am a victim of identity theft, and this fraudulent account has caused significant harm to my financial standing and reputation. I have never applied for telephone credit, and I have never had an account with XXXX XXXX XXXX. 

I have taken all the necessary steps to protect my identity, including filing a police report and notifying all relevant parties of the theft. However, the damage has already been done, and I am now facing the consequences of someone else 's actions. 

This fraudulent collection account has caused my credit score to plummet, making it difficult for me to obtain credit and access financial services. I have been denied credit applications, and I have been subjected to high-interest rates and unfavorable terms because of this fraudulent account. 

I understand that the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ) provide me with certain rights in these circumstances. Under the FCRA, I have the right to dispute any inaccurate information on my credit report and to have it removed. Under the XXXX, I have the right to file a complaint against the entity that reported the fraudulent account and seek appropriate relief. 

I urge you to investigate this matter thoroughly and take appropriate action against XXXX XXXX XXXX for reporting inaccurate information and violating my rights under the FCRA and the XXXX. 

I appreciate your prompt attention to this matter, and I look forward to hearing from you soon. 

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 2022-03-08
Company: Freedom Mortgage Company
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Freedom Mortgage doubled our mortgage payments from approximately {$1800.00} to {$3600.00} beginning the month of XX/XX/2021. I tried calling to reach someone to discuss and received telephone prompts. As I continued to follow the prompts, I was given an option to pay either a minimum amount ( {$1800.00} approx. in which was our regular payment amount ) or the new payment amount ( {$3600.00} approx. ). 
After paying the minimum amount we eventually found out later that the amount we paid was placed into an unapplied funds account and not credited to our mortgage payment. This led to a credit reporting for missed payment. We disputed the report to no avail. In the meantime we spoke with several representatives whom sited that the payment increase was due to property taxes not being accurately calculated for XXXX. We did get a payment reduction after our negative escrow balance was spread out over time. Yet, we are still faced with a bad credit reporting, in which dropped our credit scores substantilly. 
We've continued to try and get this resolved with the company, in regards to the miscommunication as to their telephone prompter. However, someone in their XXXX XXXX office pretty much called us a lie in regards to the telephone prompter. However, she did go on to say that they working on getting our mortgage payment reduced even further than the recent reduction, we're still waiting on that. As of now noone returns our calls. Whenever we do reach someone, everyone seems confused ( No notes!! ).

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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This process is a follow-up to prior to my previous complaint that contains these items : XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXXXXXX Balance : {$0.00} These items must be removed for they are erroneously reported in my 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
Consumer complaint received 2022-10-29
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My CHIME account was frozen on XX/XX/2022. I reached out to CHIME support and was told they would need to provide documentation including my ID and a selfie of holding my ID with the date in order to unlock the account. That was provided and I was told that typically my account would be accessible within 48 hours. After a week I reached out and was told that I was provided with incorrect information from CHIME support and that I also needed to provide my passport and a utility bill. That was provided. A week later after not having the account yet unlocked I was told that they had all necessary documentation to unlock the account and that I would need to be patient. That was XX/XX/XXXX. I have reached out to CHIME support via phone, email, and through their XXXX page and have been told that the time period is unusual for this review but there is nothing that they can do. Further I was told that I could not be provided a reason for my account being frozen. 

I would either like to have access to my funds or I am perfectly fine with closing the account entirely and having my funds provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Approximately 90 days ago, I opened a personal checking account with Truist bank, using the promotional code XXXX. The promotion offered a {$400.00} bonus to customers who opened a new checking account and completed two direct deposits. I called Truist on XX/XX/23 to verify that the code was entered and that I would receive the bonus if I complied with the terms. A supervisor assured me that the promotion was applied to my account, and I had nothing to worry about. 

Based on this promotion and assurances, I maintained an account in compliance with the terms of the promotion. However, on XX/XX/23, I called Truist to find out the status of the account. The agent transferred me to a supervisor who informed me that the promotion was not applied to my account, and there was no way to get the promotion that was offered, despite me opening and maintaining an account in good faith. 

I believe that Truist 's failure to honor the promotion is a clear case of false advertising and is an unethical way for the bank to take advantage of its customers. I opened an account with the expectation of receiving a {$400.00} bonus, and Truist 's failure to honor the promotion is a breach of their agreement with me. 

I plan to escalate this matter to higher management within Truist and request a thorough investigation into the matter. I will also file a complaint with the Consumer Financial Protection Bureau ( CFPB ) to ensure that Truist is held accountable for its actions. Finally, I am considering closing my account with Truist and taking my business elsewhere if I feel that I can not trust the bank to honor its agreements.

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