BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had merchandise accounts open with XXXX XXXX XXXX XXXX on XX/XX/XXXX. I got behind on my payments after losing my job and giving birth to my daughter. As I secured a better financial situation in XXXX, I reached out to XXXX via a documented letter inquiring about a settlement on my 2 accounts with a totaling balance of {$2000.00}. XXXX called me in response to the letter. 

On XX/XX/XXXX, I spoke to XXXX XXXX over the phone to settle the accounts. He sent me a confirmation email on XX/XX/XXXX detailing the confirmation of both of my accounts. He provided me with a settlement statement with authorization codes and transaction codes, which is as follows : Account 1 # : XXXX Authorization Code = XXXX Transaction id = XXXX Response =Approved Response Text = Approved Response_code = Transaction was approved Amount : {$580.00} Issuer Number : XXXX Account XXXX # : XXXX Authorization Code = XXXX Transaction id = XXXX Response =Approved Response Text = Approved Response_code = Transaction was approved Amount : {$350.00} Issuer Number : XXXX I noticed that my credit report did not update accordingly and I was still showing a balanced of {$2000.00}. I filed a dispute and on XX/XX/XXXX received a response that XXXX did not update the report ( Report # : XXXX ) accordingly. The report stated I still owed {$2000.00} despite settling the accounts. I emailed XXXX XXXX on XX/XX/XXXX inquiring about the report and he responded with the following : " Balance will be adjusted tomorrow, sorry for the delay. '' I went ahead and filed another dispute and the report was generated on XX/XX/XXXX ( Report # : XXXX ). Yet again, the credit report was not updated accordingly. It shows I still have a balance of {$2000.00}. I emailed XXXX XXXX again on XX/XX/XXXX to advise that the balance as not been adjusted. He must've forwarded my email because I received a response from XXXX XXXX Administration Representative, XXXX XXXX, that stated : " The balance has been adjusted and it is showing {$0.00} for both accounts. '' However, this is not the case on my credit report. XXXX has failed to uphold their commitment on the settlement despite receiving my payments.

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 2022-06-14
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Truist Bank allowed fraudulent XXXX transactions on my account without notifying me through email or phone notifications. I did not authorize these transactions. I repeatedly explained to them that I did not authorize these transactions, to which they claimed that I did. Truist allowed this criminal to drain my checking account of my financial aid refund, that I need to pay for school supplies. I have no current funds, as my account is frozen. I am a student who is unable to afford the basic necessities to live, nor can I pay any of my required bills. I now have to take a leave of absence from school because Truist allowed my government-funded loans to be stolen, and am facing homelessness. The negligence of this bank expands to the fact that they allowed this criminal to be able to transfer funds that exceed the daily amount of {$2000.00} that can be transferred through XXXX. Another example of their negligence is I went into a Truist branch to speak to a bank teller who reassured me that my funds would be returned to my account and that none of the current pending fraudulent transactions would post. That was a lie, and even after they blocked my account, they allowed further fraudulent transactions. The lack of care and empathy that is given to those who entrust their money to this bank is unacceptable. Throughout this entire claims process, they were extremely unprofessional and quickly denied my claim without thorough investigation. I sincerely hope that this complaint will help me achieve justice because not only was my financial aid refund stolen, but also my ability to attend school.

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 2023-08-19
Company: MOHELA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello, I had my federal student loans serviced through fedloan. When I graduated in XXXX from grad school, I attempted to start making payments in XX/XX/XXXX when I started my first career, but was told by XXXX that I can not make a payment until XXXX of XXXX due to my payment date not being active yet. Even though I called over a dozen times between XXXX XXXX thru XXXX of XXXX, I was told the same thing that my loans are not in repayment yet. This deceptive information caused me to delay payment and caused unnecessary interest to add to my loan balance. The main reason I was asking to make payments before my official start of loan repayment was due to being employed and wanting to get ahead of additional debt. Unfortunately, I was young and inexperienced with the loan process so I felt like fed loan was acting in my best interest, but now I can see that was not necessarily the case. 

The next issue occurred around XXXX when I completed my annual income based repayment application for fed loan XXXX My application was processed by fed loan and I received a monthly payment of ~ $ XXXX mo XXXX on my application. At first I was confused by this decease as in the prior year I was paying over $ XXXX mo. I had no change in income/ employment status, so I again called fed loan over a dozen times to inquire why this occurred. I was informed that I fell below the poverty line based on my application information. I explained that must be inaccurate as I did not have a change in status and was making ~ $ XXXX year. The fed loan reps told me there is nothing that can be done and most loan holders want to have the lowest payment. Again, due to my lack of knowledge on how the loan process worked, I took fed loan as acting in my best interest. 

Fast forward to present day, I have educated myself on the loan process and that fedloan willfully provided inaccurate information that caused my loan to ballon in size due to several years of interest being added to my overall debt balance. A balance that should have been less if I was provide accurate information about my loans. 

I am hoping that someone can assist me in holding them accountable for this deceptive practice as I like many account holders was relaying on fed loan to act as an advocate for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Capital one credit card is missing from credit report. Capital one has been reporting to all 3 credit bureaus for 2 years and said they have continued to report to all three credit bureaus. Called XXXX and was told that capital one requested to have entire account deleted. My entire positive credit history is gone. I would like my credit history put back on to XXXX   immediately. fyi : XXXX and XXXX  shows capital one reporting. This is a disaster,, all my hard work to keep my credit card in good standing has vanished, and when I called no one could help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Claim # XXXX Claim # XXXX On XX/XX/2023, I discovered an unauthorized charge for {$2700.00} at XXXX XXXX XXXX and Chime credit builder accounts. Immediately, I notified Chime about the unauthorized charge and emphasized that I did not make it. However, to my dismay, Chime has consistently rejected my claim without providing any evidence from the merchant involved. 

The magnitude of this situation can not be understated. My card number and personal information were stolen, leading to me becoming a victim of identity theft. This incident has profoundly impacted my life, causing financial turmoil and immense emotional distress. 

Despite my efforts, Chime has demonstrated negligence in handling this matter. I promptly reported an authorized transaction on XX/XX/2023, and I contacted Chime 's dispute department to inform them about it. Shockingly, even in XXXX, Chime allowed my card to be used for an unauthorized transaction of {$2600.00} and {$220.00} on XX/XX/2023, despite my explicit communication that it was not authorized, and my account did not have sufficient funds. 

The consequences of Chime 's refusal to address this issue have been severe. This situation has left me struggling to meet basic needs for myself and my children. I rely on Chime to protect me from fraudulent activity, and their failure to do so has caused significant disruptions in my daily life and financial stability. 

It is imperative that Chime takes immediate action to rectify this situation, provide the necessary documentation from the merchant, and compensate me for the financial damages I have endured. I deserve to feel safe and secure in my financial transactions, and I urge Chime to prioritize the well-being of their customers by resolving this matter swiftly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-06
Company: ALLY FINANCIAL 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: Their investigation did not fix an error on your report

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section 6 o 2 states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. XXXX XXXX Account XXXX, Ally Financial Account # XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company says they sent a letter of verification, they did not, and representative refused to send me a letter to verify that the debt belonged to me with proper identifying information, then told me I would be sued for the debt even though I can't verify it belongs to me. 
I disputed the debt before because they did not have the correct information according to the first representative, they claim that they do but will not allow me to see what information they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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:
I AM A VICTIM OF IDENTITY THEFT. I AM WRITING TO REQUEST THAT YOU DELETE THE FOLLOWING FRAUDULENT INACCURATE INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT. 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 non-monetary relief
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: MN
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 is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: EQUIFAX, INC.
State: MN
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 have previously disputed with XXXX, XXXX and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: MD
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:
In previous months, I requested to update the inaccurate information which another credit reporting agency found to be inaccurate and had updated. Due to your lack of response, or responses that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. 
XXXX XXXX Balance : {$22000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: EQUIFAX, 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:
This was not sent in error. I am a consumer by law and my information was misused and now I have some false, not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
RE : Fingerprint Requirement to cash checks - Possible Security RISKS to personal technology and privacy - MUFG Union Bank  Office of the President and XXXX XXXX XXXX CFPB, MUFG Union Bank, XXXX XXXX and XXXX XXXX : This complaint was filed due to not receiving any response about my check cashing experience at your bank located in California. I am a current safety box ( Signature Card Holder ) at branch that cashed check. Please ask XXXX that she can verify my signature on file and she knows me as I am a former employee. Is this the way you treat ALL former employees of the bank? 

On XX/XX/2019, I went to the local branch of Union Bank or MUFG Union Bank and wanted to cash a check written to me from my mom ( Check Number XXXX in the amount of {$760.00} was drawn on Union Bank ). I went to the teller window and was asked for 2 pieces of Identification. I had that and provided it. Next, they asked me for ID to cash my mom 's check. I was shocked at the request and had the employee ask XXXX ( Customer Service Manager ) if I still had to give the fingerprint even if she can vouch for me as a her former employee. According to her, I was required to provide the fingerprint. It hurt me that they did not trust me cashing my own mother 's check. 

Trust is very important and I did nothing wrong for them to treat me less than equal to other former employees. Also, due to the new smartphone technologies, fingerprints are now more a security or privacy risk and can be a possible violation of 4th amendment rights. The use of fingerprints as unlock feature can pose as this risk and the bank should protect consumers, as well as, find new ways to secure assets. No one believes me. 

I previous complaint was filed with the CFPB and hope this can be resolved correctly. Can you please ask XXXX XXXX why I am unable to bank with my family at Union Bank or MUFG Union Bank and to avoid these type of check cashing issues in the future? 

Respectfully submitted for review.

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 2023-10-28
Company: Self Financial Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Self Financial Team Self Financial , Inc. 

Re : Response to Consumer Financial Protection Bureau Complaint Case # XXXX I hope this RESPONSE finds you well. I am writing in response to your recent communication regarding my Consumer Financial Protection Bureau ( CFPB ) complaint, Case # XXXX, in which I expressed concerns regarding my credit report and the reporting of late payments by Self Financial , Inc .

I appreciate your prompt response and the detailed explanation you have provided regarding the company 's position on this matter. I would like to address some of the points you have raised and reiterate my concerns.

While I understand that Self Financial , Inc. operates as a data furnisher rather than a consumer reporting agency, and you have mentioned that the information is provided to the credit reporting agencies in compliance with the Privacy disclosure and terms of service, I must emphasize my interpretation of the applicable legal provisions.

According to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ), the term " consumer report '' does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report. I believe this provision explicitly excludes the reporting of such transactions from being included in consumer reports. I maintain that the reporting of these transactions to my consumer report is in violation of the Fair Credit Reporting Act and XXXX compliance. 

The inaccurate reporting of these transactions and late payments is adversely affecting my creditworthiness, making it challenging for me to address my financial needs and overcome obstacles. I want to resolve this matter amicably, but I must insist on the removal of these late payments from my credit report in accordance with the applicable laws. 



Thank you for your attention to this matter, and I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hi, I have had a credit card with Capital One for a few years now and have always paid on time. However, i was hospitalized in XX/XX/2019, which resulted in a late payment reporting for XX/XX/2019. I am not disputing this debt, but I am asking for a goodwill adjustment. I have always paid on time and have continued to do so over the years. It was completely out of my control that I was hospitalized for a medical emergency and the payment was made late to the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: Maximus Education, LLC dba Aidvantage
State: IN
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:
For Aidvantage : Enrolled student loan for auto pay which was to for XX/XX/XXXX. The payment was reversed. I then tried to pay again via manual pay on the XXXX and XXXX, both were rejected. I have called the customer service line multiple times since the XXXX and have been disconnected after over an hour wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Credit card PayPal XXXX Mastercard by Synchrony bank one day started to decline my transactions coming from PayPal account. Numerous calls with customer center and on average 3-4 transfers during the call lead to months of issue being unresolved and now the blocked my card in XXXX ( which had no issue before ) and I have to wait for few weeks to get it reactivated. Card itself when swiped also worked no problem. Representatives I spoke too some were not professional and rude and didnt try to help me at all. What happened is someone flagged my card for fraud while I never requested it nor reported any transaction as suspicious or unauthorized. So they flagged my card on a whim and I am stuck with suspended card for no real reason.

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