BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-03
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:
I was shopping with a local merchant who was selling hair. I paid in person for my order to be shipped to me. I was discussing and deciding if and how much money I would spend when the vendor asked to see my phone and paid herself. I still had not decided and she knew what she was doing. She blocked me on all social media and refused to send the money back. I sent the money through XXXX XXXX from my chime checking account. I reached out to both chime and XXXX. Ultimately its chime that started to investigate and they denied me. There were some I transactions for Arline tickets. I disputed the transactions and my dispute was denied the same day it opened. More airline charges were made and I made a dispute and the funds were returned due to fraud. The airline transaction was from the same merchant of the dispute that got denied. Another thing, when I placed the dispute for the airline I was told my card would be closed and replaced but days later someone was still able to used my card to make purchases. I contacted chime about it and they closed my account with no real explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Continental Finance Company, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I originally had a late payment XX/XX/2022 in the amount of {$99.00}. I was going to pay the entire credit card off and close the account XX/XX/2022. I talked with a representative and they advised if I had paid {$100.00} they would delete the late payment from XXXX. However, they never did. I talked to a supervisor and tried to dispute but they insisted that they couldnt take the late payment off. After someone told me that they would, they even placed me on hold In XXXX to talk to someone higher up so Im not under standing where the confusion had gone. I asked if they could look in to the recorded call from XX/XX/2022 to investigate and they refused. When all calls are recorded and monitored. This is with XXXXXXXX XXXX XXXX. I even have a dispute report where they had changed the late payment from {$99.00} to {$0.00} being past due then a month later changed it back to being past due. The confirmation number with XXXX was XXXX. Where they reported {$0.00} for XX/XX/2022. Then XXXX is the confirmation number with XXXX where they put it back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: SANTANDER HOLDINGS USA, INC.
State: FL
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:
A Charge off account on Santander Consumer USA auto loan with account number XXXX, opened on XX/XX/2015, and a balance of {$0.00}. This item is on my XXXX credit report and I tried removing it numerous times, however, it was unsuccessful. I have never took out an auto loan from them, in-fact, I was not even in the country XXXX they are violating the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Debt Recovery Solutions, LLC
State: CA
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:
There are two accounts that are not mine and do not belong to me and Is irrelevant. I am a victim of the XXXX XXXX XXXXXXXX XXXX and is a victim of IDENTITY THEFT. Please have these accounts removed from my credit report asap, I am in the home buying process and these XXXX accounts are not relevant to me so they need to be removed. 

XXXX, XXXX XXXX {$710.00} ( they are not even furnishing the complete information ) XXXX Original creditor : XXXX XXXX XXXXXXXX {$760.00} XXXX incomplete reporting Please remove these accounts from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Zip Co US Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I contacted ZIP to remove my debit card that is stored in my account. I provided a written statement that I am revoking authorization of the use of my stored debit card. ZIP refused to remove my debit card after multiple attempts. It is illegal to use my debit card without approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My account was not handled properly I seen this lawsuit against Wells Fargo would like to know what steps to take

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 2023-10-31
Company: Total Auto Finance
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I called TOTAL AUTO FINANCE and they stated to me to not send no payments to XXXX XXXX SERVICES. I called XXXX and they told me that I need my next payment was due to them in XXXX. I told them that as long as XXXX XXXX or Total Auto Finance didnt send me a letter or call me I would not send payments to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Based on the FCRA law Experian is allowing a company to report a account over ten years old on my report fraudulently created. The debt collector is showing false information stating the account was created in XXXX. This is not true. The debt was bought from XXXX for a account created over ten years ago. Experian refuses to remove this account. Bought by 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 2022-12-27
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CFPB + Midland Credit Management To whom it may concern, On a recent check of my credit reports I see there is a collection/charge off account from Midland Credit saying I owe a debt of {$10000.00} that I do not recognize. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract authorizing a third party like yourself to collect on this debt. 

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am requesting that you cease and desist from all collection activity pertaining to this account. 

You are only to contact me via the Consumer Financial Protection Bureau ( CFPB ) website - so we have documented proof. 

I am allowing you a period of 30 days or less to produce this information. If youre unable to validate the account, then you must remove the collection account from the credit reporting agencies. 

Enclosed with this CFPB complaint are : My drivers license that shows identity + mailing address This letter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Dear Professionals, I have this First Bank Credit Card since last year XXXX  and have been using it for a few months now. Starting on XXXX I notice a {$39.00} charge for XXXX XXXX XXXX and XXXX last year. I notified First Bank Credit Card for disputing the charges. After almost XXXX  months now and it has not been resolved and there are XXXX charges in total of ( {$310.00} ) from XX/XX/2022 to XXXX this year and XXXX charges credit it back total of ( {$110.00} ). For some reason, the XX/XX/2022 statement is missing that I can't click on and see if the charges been resolved. I am here to file a complaint because I have been calling and talk to their customer service and they stated that I have to wait until everything to be cleared with the fraud department in order to talk to me. This is the first time that I have this problem with this credit card, it has been XXXX months and there are so many charges and missing XX/XX/2022 statement or charges showing me the disputes. My name is XXXX XXXX, First Bank website is XXXX XXXX XXXX. Their customer service is XXXX. Please help me to escalate this issue and want to clear out this and cancel this card. Thank you. I can be reached at 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 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-08-30
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/XXXX, XXXX date I requested my reports from each bureau. 

I requested my credit report from Equifax, XXXX, and XXXX and I noticed that there were several misspellings of my name, non-mailable addresses, non-working phone numbers, and variations of my employer and position, as well as hire date. I called each bureau on XX/XX/2023 and asked for this information to be removed. None of the mentioned bureaus have removed any of the incorrect information as of XX/XX/2023. 
I have been denied credit due to the lender not being able to identify me due to the incorrect information in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-12
Company: Resurgent Capital Services L.P.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ive been disputing the validity of this account for a while. LVNV/Resurgent sent the account to another collection agency XXXX & XXXX XXXX XXXX. I sent the response back to have XXXX XXXX XXXX validate the account, however Lvnv/resurgent replies instead. I also received correspondence from the original creditor and realized the information provided never matched with lvnv/resurgent!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Equifax yesterday when I noticed a account hit my credit report that looks to be open since XXXX but shows up yesterday with 8 missed payments, for a business account, I have never heard of the company. I filed bankruptcy in XXXX why would I not include the account if it was mines along with the other accounts? What business do I have? This company doesnt even reflect a complete entity business name on the report, address or phone number. Im in the middle of closing on a property and this will make me lose my approval. I have never paid any accounts late even though I filed bankruptcy. This is an error I promise it is. Please delete this immediately. 
The live person said he was transferring me to the dispute Dept and sent me to the ivr that said it couldnt verify my identity. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
University Accounting Service, LLC ( " UAS '' XXXX XXXX https : //www.uaservice.com/ ) is a student loan servicer. They service my XXXX Loans from the University XXXX XXXX XXXX. 

UAS brings up the same screen every time I log into my online account. The screen gives a statement in legal jargon. Then there are two choices : " I agree with this statement '' or " I do not agree with this statement. " The default is " I agree with this statement. " The statement effectively amounts to a waiver of an important consumer protection right -- the right to have correspondence with debt collectors in writing. 

There are two problems. First, the method of asking this question in itself is an abusive act and practice under the meaning of XXXX XXXX XXXX. Second, the fact that UAS asks me the same question every time I log in is a harassing tactic. 

This is an abusive act or practice under XXXX XXXX XXXX in the sense that it takes unreasonable advantage of consumer misunderstanding. The statement is provided in a way to trick consumers into agreeing to the waiver. It utilizes consumer inertia by making the default that they agree. It also utilizes consumer misunderstanding, because most people are used to mindlessly clicking I agree for online legalese and fine print such as for the changes in XXXX terms and conditions that occur every other week. By repeatedly asking the question and making consumers answer more than once, the strategy clearly intends to prey on inattentive consumers who accidentally make a mistake once. 

This is also a tactic designed to harass me into accepting a waiver of my consumer protection rights related to debt collection. Once I answer that I do not agree with the statement, UAS should never ask me again. Not only do they continue to ask me, but they also give me no option to tell them to stop asking me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was billed {$270.00} by XXXX XXXX XXXX which I paid by my check No XXXX dated XXXX XXXX, 2015. My check cleared my bank account on XXXX XXXX, 2015. I subsequently received a debt collection notice dated XXXX XXXX, 2015 from Transworld Systems Inc., Collection Agency, XXXX XXXX XXXX, XXXX, PA XXXX, correspondence to be sent to XXXX, DE. I have since received further collection notices dated XXXX XXXX, 2015 and XXXX XXXX, 2015, despite the fact I advised the collection agency on XXXX XXXX, 2015 that I dispute the debt because it has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
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: Was not notified of investigation status or results

Complaint:
I have been sending dispute letters for 4 months now and requesting verifiable proof in regards to 2 accounts under XXXX. Experian/XXXX/XXXX  are reporting inaccurate information and they must delete the items in questions. Failure to investigate and remove the inaccurate account is causing great stress to me and my family. I read somewhere that it only takes 20 or 30 days to investigate this matter. More than 40 days have passed and nothing from this company.

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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 filed a complaint last XX/XX/XXXX  regarding these accounts appearing on my report that I am not aware where it came from. XXXX XXXX XXXX ( Collection ), XXXX XXXX XXXX ( Collection ) XXXXXXXX XXXX  XXXX XXXX ( Collection ), XXXX  XXXX  XXXX ( Collection ) and XXXX XXXX ( Collection ). I demanded an investigation but did not receive any response and the items are still reflected on my report.

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 2022-11-21
Company: Resurgent Capital Services L.P.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive tried to resolve this matter and prove to the company Im a victim of identity theft, Ive filed a report with the ftc as well but the company hasnt yet to do anything to resolve and fix the matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-18
Company: American Credit Acceptance, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2021. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: MS
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 attempted to resolve this issue with Experian numerous of times. Please be advised that this issue is causing financial damages. Failure to provide an appropriate legal and lawful response will result in further actions. Failure to provide such response within 7 calendar days will be constituted as your acceptance that this account is false and misleading. This is inaccurate. Please verify, validate, and document LEGALLY this account is accurate. Please provide proof that I was late on this account. A simple answer of " been verified '' does not constitute an appropriate legal nor lawful response. PLEASE UPDATE THE FOLLOWING ( PAID AS AGREED ) NEVER LATE IMMEDIATELY IF YOU ARE UNABLE TO PROVIDE LEGAL EVIDENCE OF LATE PAYMENTS XXXX XXXX XXXX XXXX Account # XXXX  {$8200.00} ( PAID AS AGREED ) NEVER LATE XXXX XXXX XXXX XXXX Account # XXXX {$20000.00} ( PAID AS AGREED ) NEVER LATE XXXX XXXX XXXX XXXX Account # XXXX {$5000.00} ( PAID AS AGREED ) NEVER LATE XXXX XXXX XXXX XXXX Account # XXXX {$27000.00} ( PAID AS AGREED ) NEVER LATE

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