BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-06
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
An error appeared on my credit report in XXXX. 

As a result many of my credit lines were affected. Most of them were decreased in response to the error, making my credit utilization ratio disproportionately high. It went from 8.5 % to 75 %. 

I have had the error removed from my report, however American Express refuses to acknowledge that it was an error. My account spending was limited on my charge card while the error was present but now that the error has been removed the limit is still there. 

Additionally, I am working with other banks to increase my lines to their previous limit so that my utilization ratio is again below 10 %, but in the interim my credit score is artificially low. While American Express is aware that this is happening, they are not incorporating that fact in to their credit decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: NJ
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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Closed Accounts : 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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
Consumer complaint received 2023-05-09
Company: Real Time Group, Inc.
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My original home loan was with XXXX  XXXX XXXX. When the crash of XXXX happened I could no long afford my house payment and went into default. I had a first and second loan on the property. In XXXX when I was working again I did a loan modification with XXXX  XXXX XXXX. I assumed it included the second. I've been paying on the property ever since as it is my primary residence. In XXXX Real Time Resolutions contacted me threatening foreclosure because of the unpaid second load they obviously purchased from XXXX XXXX  XXXX. They could never furnish me a signed contract proving the balance I owe. And It is nearly double the initial amount. I dont have the money to fight this so I made an agreement to pay. I gave them {$2400.00} cash and agreed to payments of {$350.00} a month. In XXXX when XXXX hit I once again lost my job and income. I was able to make the house payments yet got a little behind on the RTR payments. Over the years I have tried to make the payments every month. I normally pay {$500.00}. Today I tried to log into the system to make a payment. I was locked out and told to call. I did. I was informed that all of my payments have been going towards the late fees and not the principal. And my property is being placed in foreclosure status again. I was told to submit a loss mitigation form and they will try to help. Which I did. Currently I can not access my account to see payments or balances. This place is operating illegally in my opinion. They cant even provide me with a signed statement proving I own them money. Nor can they explain why the balance is so high. I can not afford an attorney as I am barely surviving now. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I notified my chime bank that I got a notification of XXXX charges made on my card however at the time the person I spoke to said that they can not do anything until the transaction goes through which is going to take 3 days after the transaction went through I called back they said they now needed to do and investigation and i would have to wait another week for them to complete it I received an email saying that they had concluded the investigation and found no fraudulent charges have been made I called chime Bank back and was told by an agent and person who claim to be a XXXX the I would have to wait 10 more days for them to send me an email that would have all their findings in it I asked to speak to the claims department and they told me I couldn't because they don't answer calls but when I was directing my questions towards the XXXX he was not able to answer one question the only thing he told me I would have all my answers in the email however upon reviewing the email it states nothing other than them saying I had transferred money at the time of the purchase meaning I was anticipating the transaction however this was completely inaccurate my overdraft feature was active and at the time there was not enough money on my account so when the purchase was made my overdraft feature activated causing my account to go into the negative but also allowing the transaction to go through upon reviewing my statements from that day I only transfered {$10.00} that day but the charges that were made was almost {$100.00} I don't know what's going on with chime bank but it's obvious chime bank refuses to accept that they are wrong didn't do their job and correct it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-09-30
Company: EQUIFAX, INC.
State: NJ
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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXXXX/XX/XXXX -FXXXX XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : -US DEPT ED XXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021 I initiated a transaction with another user in XXXX. The transaction amount was {$2500.00}. I had the user refund the money through the XXXX interface. The balance of the transaction that was from my XXXX account was refunded but the remaining {$2400.00} was not refunded back to my account. I provided the bank, Citizens bank, with all of the tracking numbers that XXXX provided so they could trace the refund. XXXX keeps saying the card issuer has to find the money but the bank insists they are not responsible or liable for it. The bank has traced all the IDs provided by XXXX and concluded that XXXX issued and then recalled the refund. XXXX keeps saying it is a hold on the money and the bank has to release the hold. I have done everything both sides have asked of me. In an attempt to continue pursuing my money I requested something from the bank stating they had exhausted all of their avenues to obtain the money. The bank refused to provide this. The attachments show the repeated responses from XXXX as well as the rejected claim filed through the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
My name is 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-01
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Birthdate which is correct on every other agency and public record changed by Equifax and then asked me to send photocopies of my personal documents to verify my information, due to a mistake on THEIR part

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: EQUIFAX, INC.
State: TX
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 accounts on the form are fraudulent and I am requesting immediate permanent removal of these account these accounts opened while i was incarcerated in XXXX XXXX XXXX. you can even call the XXXX XXXX sheriffs office to verify and please remove these accounts unless you have proof to not to and if you do have proof i request that you send it to me. documents are attached. 
XXXX XXXX opened on XX/XX/XXXX XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX opened on XX/XX/XXXX I REQUEST THESE ACCOUNTS TO BE PERMANETELY REMOVED IMMEDIATLY i have provided substantial proof failure to delete the items i would have to file a lawsuit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX and TransUnion are reporting old information in which according to FCRA are old account and they can be update from my credit file. I requested via fax again for the updating of the old creditor and the old account haven't been update. This is the account in which I am asking to be update from my credit file. XXXX XXXX XXXX Date Opened : XX/XX/2008 Balance : $ XXXX. I am no longer liable for this account.

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 2023-05-09
Company: EQUIFAX, INC.
State: MD
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:
o Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX, MI XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX 3. The status is incorrect for the following account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

4. The Late Payment Status is incorrect. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

5. Validate inaccurate/reported late payments. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

6. Validate Account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

7. Validate inaccurate/reported late payments. 
XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EdFinancial Services
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have had XXXX XXXX  loans for my sons through Ed financial for over 6 years. I've not had any problems with payments until they changed their system over in XX/XX/2023. I made a {$5000.00} payment to ED FINANCIAL on XX/XX/2023. It was removed from my account by Ed financial via ACH payment. I have bank records that prove this. I also have a confirmation # from ed financial when I made the payment which I have given to their customer service department 8 TIMES!! They absolutely can not explain where my money went, why it was not applied and all they say is " I'll forward this to the finance department ''. AFTER 2 and a half MONTHS and over 15 hours, this is STILL not rectified, with no response from anyone at Ed financial. Customer service requires to you to stay on the line for hours. They have only 1 phone number. They do not call back and are useless. There are no emails, live chat available, or responses and when I finally do get someone to pick up the phone, they offer no solution. They make excuses or they lie. One time we were told that THEY COULD SEE the payment on my account but we couldn't ... which was a lie to get us off of the phone. Any time I make a payment it will say " pending '' and " Processing ''. It says nothing. They also said they would send a record of all of the payments we've made in the last 6 years, which they did, and of course it DID NOT HAVE the {$5000.00} payment on there. They have STOLEN my money, refuse to take ownership or apply my payment. I am now out {$5000.00} which is a lot of money in my family and I continue to pay a higher interest rate for the last 2+ months because they refuse to credit my account. They refuse to allow you to speak to someone in the finance department or a supervisor. They say " that's not how we do it here ''. It absolutely should NOT take this long to find my money. I have a confirmation # and all they need to do is type that number in to see that it is to be applied to my account. What good is a confirmation # if they can't access it? It is a feckless, corrupt company that steals money and continues to XXXX you with higher interest rates. Trying to make up for the NO INTEREST rates for 2 years during Covid.. I'm sure. I can not get them to help me or respond. Please help me and/or let me know of a different way I can go about getting my payment applied to my account. In addition, I try to log in and it now has disabled my account saying the info I put in there, ( my sons ss #, birthdate and Account # ) are incorrect. I've logged in several times with the same info and it's never been incorrect. So now I can't get into my account to pay anything. I've never experienced such frustration and problems with a company before. Thank you for your attention to this.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-07
Company: Block, Inc.
State: DC
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/XXXX {$39.00} was stolen from my account. After contacting cash app to dispute the charge, they gave me no resolution for my dispute and denied my claim on numerous occasions and XXXX  XXXX  was of no help to resolve my complaint. After all my efforts to get my money back I cashed out my money and still had fraudulent charges coming in trying to steal from the account. With no intentions of cash app satisfying my claim, I borrowed money from cash app and have no intentions of paying them back nor using their platform ever again. Now, with the {$100.00} Ive borrowed, cash app keeps harassing me with {$1.00} daily interest charge that they will never get, where I want to stop all communications with the company and to never do business with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: BARCLAYS BANK DELAWARE
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had an account thru XXXX XXXX for a Gap credit card, someone changed my address and charged XXXX worth of fraudulent charges to my card. I have been in contact with XXXX  since XXXX 2022. They failed to do anything about the charges. They transferred the portfolio to Barclays Bank in XXXX. I have contacted them several times and have been told they cant help me. XXXX and Barclays both say there is they can do to help. Please help me, this is impacting my life. I have always paid my bills on time and take pride in maintaining a great credit score. Thank you.

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 2023-12-07
Company: Exeter Finance Corp.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On XX/XX/XXXX I entered into a fraudulent contract with Exeter Finance. I didnt know I was in a fraudulent contract until recently after studying consumer law. Since the hardship I faced due to XXXX XXXX I feel that Exeter Finance have not been working in good faith. XX/XX/XXXX they repossessed my car and my life has changed tremendously. My mental health has been affected as well as my husband being in and out the hospital due to not having a vehicle to work and provide for our family. Below are some of the laws, rules, and regulations Exeter Finance are in violation of. I will also be attaching a letter of rescission that Ive sent out to Exeter Finance on XX/XX/XXXX based on failed notices and disclosures I have yet to receive and violations in my contract. 

Exeter finance is in Violation of U.C.C 9-611 because they never sent me a reasonable authenticated notification of disposition.

Exeter Finance are in violation of NY Veh & Traf L 425 and 15 NY Comp Codes Rules and Regs 78.22 because they never sent me any notices within 24hrs after repossession.

Exeter finance are also in violation of U.C.C 9-608 ( b ) because they are still requesting payment from me after the sell of accounts. And negatively reported such debt on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: HUNTINGTON NATIONAL BANK, THE
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I can't log into my account due to an error on the website. 
When I called in they said this is due to a transfer that resulting in another freeze on my account. Last time this happened with another transfer it took roughly 6 months of nonstop calling for a resolution. I spoke to a branch manager and many other managers regarding the same issue that seems to be repeating itself at this bank. There is no reason why I can't access my funds or transfer money into this bank. I have done nothing wrong and there is no reason why they would deny my transfer as it is already a verified and active account linked to my online banking.

Company response to consumer: Closed with explanation