BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-26
Company: EQUIFAX, INC.
State: SC
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Chime Financial Inc
State: CA
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/XXXXXXXX  While I was out of the country in XXXX I got notification that transactions were made totaling XXXX at a XX/XX/XXXX gas station in XXXX Ca. I immediately called Chime and they canceled my card and requested to send a new card to me leaving me without a card to use in XXXX which was fine because I did not want any more fraudulent activity to go on. I even called the XX/XX/XXXX however up until now I still havent gotten a response from them after leaving voicemail messages. Chime advised me since the transactions were still pending I could not dispute the transactions until they were cleared. When I arrived home Saturday XX/XX/XXXX and seen that the transactions cleared I disputed the charges in the app. Early Sunday morning I received an email that my claim was denied and no error occurred however I had my physical card with me in XXXX and could not have possibly made the transactions at a gas station in XXXX. Ive submitted my boarding passes showing I was out of the country plus a picture of my physical card that was in my possession as well as screenshots of my call history to chime and XX/XX/XXXX. They have denied my dispute 4 times when I can prove it was not me who made these transactions. Yet they will not send any supporting information as to why they are denying my claim. I even made a transaction while in XXXX using my physical card and all of the agents I spoke with verified that they saw the transactions in XXXX. There is absolutely no way I shouldnt get my money back. They are not doing their job with investigations. XXXX is not money I can take lightly. I am a single mother on XXXX from work. I can not afford someone to take money not to mention they over drafted my about by XXXX. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

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 2018-11-19
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX, New York for the retail price of {$20000.00}. Upon the initial purchase, I placed a {$1000.00} deposit and signed a financing agreement for sixty months at the cost of {$310.00} per month to the accumulated amount of {$18000.00}. I preceded to sign-up with Hondas autopay program shortly after receiving the vehicle using my XXXX XXXX savings account and prior to the first pay date. Payments of {$310.00} were made each month, in full, without incident, with the final payment posted on XX/XX/XXXX. 

On XX/XX/XXXX I received a notice in the mail from Honda Financial Services regarding a late payment of {$1000.00}. The notice did not specify the date of the alleged late payment. After contacting Honda Financial Services on XX/XX/XXXX, I was told that my first payment dating back to XXXX of XXXX was not posted until XXXX of XXXX. The representative said that in this five-year time frame I was contacted both by phone and through email about the late payment of {$310.00} from XX/XX/XXXX, which has since compiled interest, bringing the total amount to {$1000.00}. 

After retrieving the last email Honda Financial Services sent to me which was XX/XX/XXXX the contents of the email did not specify a late payment. Since that email, I have received two separate emails from XXXX XXXX one from XX/XX/XXXX and another from XX/XX/XXXX regarding their upgrade program, stating that they examined my account and I was eligible for an upgrade. I also received an upgrade notice, by mail, from XXXX XXXX on XX/XX/XXXX with the notice saying my account status is Paid Off. The phone calls I did receive from Honda Financial Services were generic, automated messages that did not specify a late or overdue payment. To the best of my knowledge I did not receive a phone call from an Agent until XX/XX/XXXX. 

I have since had XXXX  XXXX pull up my savings account statements from XXXX of XXXX through XXXX of XXXX, and after reviewing noticed Honda Financial Services did not start withdrawing payments until XX/XX/XXXX. After reviewing my credit report - through XXXX  The missing payment from XXXX of XXXX was not posted late until XXXX of XXXX, and Honda Financial Services did not report the late claim to XXXX until XX/XX/XXXX. On further review, all automated, monthly payments from Honda Financial Services show C for current until XXXX of XXXX, with XX/XX/XXXX showing NR for not reported, then C for XXXX of XXXX. This is confusing because XXXX XXXX, Honda Financial Services and XXXX show the XX/XX/XXXX amount being posted on time. 

My credit score has been dipping since XXXX of XXXX and I am at risk of repossession of my vehicle. I wanted to know what I should do to fight this late claim since Honda Financial Services did not adequately inform me about the missing payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-04
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The company removed the account and re added it 3.5 years later the issue was settled with the original lender the vehicle was not drivable I notified them them they allegedly had nothing else available and offered to redeem the car and whipe away my dent because i was current with every payment up until issues with the vehicle not starting the company had already sold my trade in that i used to purchase the vehicle so they decided to settle so i can by a more expensive car off there lot upon returning the vehicle i disclosed i wasnt interested in doing business with them again and in turn would just like to return their vehicle and go else where and they could keep what they owe me from my trade in in exchange of clearing my debt this was discussed in length now when it hit my credit i was shocked and reached out they disclosed the company was shut down / sold off and now i was there problem they removed the debt but now years later its reaapeard this has been XXXX years the loan should not even be on my report as its far too old it seems very coincidental that it just reappeared they keep trying to convince me to settle on a amount and i refused they have all the payments i made plus my trade in plus the vehicle they sold me if thats mot a rip off i have no idea what is i litterally got robbed.

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 monetary relief
Consumer complaint received 2024-01-04
Company: TRUIST FINANCIAL CORPORATION
State: DC
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:
I had fraud charges on my card XX/XX/XXXX two transaction ( 1 ) XXXX XXXX {$1200.00} ( 2 ) XXXX XXXX {$66.00}, This dispute was finalized in my favor, however Truist never applied the credits for the transactions. In fact, on XX/XX/XXXX they applied two sets of above disputed charges to my account balance resulting in a total of {$3800.00}. On that same day XX/XX/XXXX, Truist applied credits in the amount of {$2500.00} leaving me with balance of {$1200.00}. 

Truist has been unhelpful in resolving this issue and will not credit my account for the remaining {$1200.00}. I've attached my transaction history showing the above described duplicate charges and credits along with the letters stating that the dispute was resolved in my favor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased an item from a merchant which was not delivered as described. I asked the merchant to return the item and they provided me with instructions. I followed those instructions, but the merchant stopped communicating with me. After several attempts, I disputed the charge. 

Capital One took my complaint, but even with written evidence of this in an email chain, they would not resolve the complaint and asked me to take unreasonable measures such as spending a lengthy amount of time on the phone ( over XXXX minutes ) and seeking a second company to provide an opinion on the matter. 

The agent from Capital One who wasted my time and was unable to process this matter was XXXX ( XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-27
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: Investigation took more than 30 days

Complaint:
On XX/XX/2023, I wrote to TransUnion LLC Consumer Dispute Center. I demanded, according to Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act demanded, verifiable proof ( an original consumer contract with my signature, Pay-off Discloser, Interest Rate Discloser, Balance History, Payment History, and Credit Insurance ) that you have on file for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also sent proof of my Driver 's License with my current address showing that I was indeed sending this letter. I received a letter stating I did not give proper authorization for a third party or XXXX XXXX to work on my behalf, which I believed to be a stall tactic, so I'm now filing this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
*see attached letter. 

I will summarize. but more detail in letter. I paid for services to conduct a survey to my clients ( 2 year deal ). The first survey and experience leading up to preparing the survey was a disaster as was the actual survey. I told the company I did not want to continue with the 2nd year because of the unprofessional experience I had with their team developing the survey and the terrible results I had with the survey. It actually hurt my business. The execs of XXXX said " let us look into this to see if what you are saying is accurate. We had a conference call and they agreed that their team did not provide services paid for. I said I do n't want a refund I just want to terminate. The execs came back with this ... We are sorry you had a bad experience and we would like to put our best team on your 2nd year  survey and we will not charge you for the year 2 fee. We thought long and hard and we decided not to take them up on the free offer because the first experience was so bad and hurt my company. XXXX then went ahead and charged my credit card for year 2 event though they said they would cancel and give me a free survey. The fact I turned that offer down made them mad and they charged me for year 2 and they did n't even provide services although I did n't want them. and went and charged credit card without my authorization. 

Not once has Chase Visa ever returned multiple calls we palaced to discuss this matter. They just send their form letters. I have attached communication with them. 

I paid {$5000.00} for a service the company agreed was not acceptable and I did not ask for a refund. I said I did not want the service for year 2 which they offered to give for free ... .and I turned it down and took my lumps and then they charge me for year 2 and I did not use. Chase Visa has done nothing to resolve this expect to charge me interest. Look at my payment history ... it is flawless. This company did not keep their word or perform the services and they agreed to that. Chase still continues to keep amount on my bill while adding fees. 

Sorry this was more than a summary but please read attached letter. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
My name is XXXX XXXX XXXX I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS, INQUIRIES, AND INACCURATE ADDRESSES from my credit report 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 2024-01-04
Company: Mintex Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a call from the ticket, payment plan place today and Because I got a new bank and my card was declining as I explained to them and I was asking the lady why she was being rude to me on the phone. The amount that she gave me did that include all of my current tickets, so I can make sure that all my tickets are being paid And the lady lied to me and told me that it did include all of my tickets and that I only owe I believe the balance was {$320.00}. When I looked while she was on the phone at the XXXX ticket payment website I saw that it was a substantial amount of other tickets even to the point of having XXXX notices on them and I was trying to ask her if my payment plan was going to include those tickets or not and she got an attitude with me telling me that she didnt have time to sit on the phone with me while Im online looking at tickets and she was pretty much just there to take Payment so she got cussed out and hung up on. This is the second agent from this company that has lied to me and purposely misrepresented tickets and amounts that couldve had my vehicle sees the First representative XXXX from this company lied and told me that I didnt have to pay the tickets that were in Bankruptcy which was not true. I still have to pay those tickets so he lied and then this lady came in and lied because she said the XXXX included all of my tickets and my current tickets and that was not true either so I think that the phone calls should be reviewed And investigated because for this to be a company thats employed through or contracted through the city of XXXX for traffic ticket debt collection for them to sit up here misrepresent terms, and amount that is consumer fraud, and the phone calls should be recorded. So I still was not able to, in conclusion reset up my payment plan, or reestablish it because once again, the company is lying and committed consumer fraud by misrepresented the terms and amounts of what is owed. This is about XXXX XXXX  today that the lady called me on 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 2020-06-10
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: CITIBANK, N.A.
State: NV
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:
Someone I was seeing, dating, took my credit card without permission. This card was used for a number of purchases and services. When I received my statement, I notified Citibank, NA of the charges. I also wrote them according to their dispute rules. Citibank, NA ruled that the charges were by an authorized user. I requested receipts of the transactions and additional information related to their dispute process. This was not provided. 

I have mailed no less than 7 letters to Citibank regarding these unauthorized charges. They have since reported to the credit agencies that this is a delinquent account, which is not true. Citibank has failed to respond related to the dispute of the unauthorized charges since their decision letter. I asked for appeal process and arbitration information. It was not provided. 

These charges are from XX/XX/2023, in the amount around {$1400.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: NC
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 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 a 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 2022-05-04
Company: Convergent Resources, Inc.
State: NC
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 Convergent account Has violated my rights 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604 A section 2 : Also states A consumer reporting agency Can not furnish a account Without my written instructions 15 USC 1666B : A creditor may not Treat a payment On a credit card Account Under an open End consumer credit plan as late for and purpose.

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