BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Incorrect Name listed : XXXX XXXX The only name that should be listed is XXXXXXXX XXXX XXXXXXXX Multiple incorrect addresses showing on my credit profile XXXX XXXX XXXX XXXX FL XXXX, XXXX, NJ XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX - only address that should show is : XXXX XXXX XXXX XXXX, NJ XXXX **In addition : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ** Multiple credit pulls : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights 15 U.S. Code 1681s602a-Section 1- I have the right to privacy 15 U.S. Code 1681s604a-Section 2-It also states a consumer reporting agency can not furnish an account without my written permission

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 2023-12-05
Company: Experian Information Solutions Inc.
State: GA
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:
RE : File # XXXX CFBP Complaint ID XXXX To Whom It May Concern, The information requested in my previous complaint was not provided under 15 U.S.C. 1681a ( e ). Experian has shown negligent noncompliance by choosing to omit certain procedures required during the re-investigation process of my report. Provide a detailed list of all personal interviews with neighbors, friends, or associates of the consumer or delete all disputed items from the file of the consumer within fourteen ( 14 ) days of receipt of this notice. If Experian does not comply with my demands, further legal action will be taken. See list of disputed accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: CCS Financial Services, 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:
CCS collection XXXX Highest Balance {$93.00} Opened XXXX. XXXXXXXX XXXX ( 4 mos ) Account status Closed Type Paid Responsibility Individual Account. 
Remarks No Info Original Creditor Name XXXX XXXXXXXX XXXX XXXX Closed : XXXX XXXX, XXXX After telling this collection agency several times that I did not owe a bill they still proceeded to put this on my credit report from XXXX XXXX, I contacted XXXX they informed me that they gave the CCS credit company updated information for them not to report this information. I also received a refund from XXXX for the mixup. I explain this to the Ccs credit company but instead of them removing it off of my credit report they updated it instead of deleting it. I have went on all reports and asked for a deletion still remains updated. I have voice to CCS that I am in the process of trying to get a loan for a home and they refused to delete wrong information.. it is marked as paid I never paid anything that I did not owe!!! It needs to be deleted.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been rebuilding my credit and I had 1 payment scheduled to a credit card company and I believe I was XXXX XXXX but had a spot me for XXXX needless to say the payment went back to the credit card company so again I had a scheduled payment to go out to so said credit card XXXX XXXX something else hit my account for a XXXX XXXX XXXX again the spot me didnt cover the charge and Now the credit card company has closed my card, that reflects very bad on me and my credit So now I have a card I have to pay and no card to use. This Banking institution advertises up too XXXX overdraft with qualifying deposit. My overdraft has never gone over XXXX. I believe that a XXXX deposit would cover me. But I have to push there products in order to receive what they offer.I have filed so many complaints because I have to fight for every dollar I get. This does show negative on my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions 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:
I XXXX XXXX noticed a couple of accounts that does not belong to me and the addresses these accounts are linked to are also not mines.I contacted these creditors multiple times and these incorrect items are still on my report.I file an identity theft report stating that I was a victim of identity theft.I have documents attached also with the report.15 u.s code s 1681c-1 I XXXX XXXX the consumer had given multiple identity theft reports and also placed a security freeze. Also there were a name brench posted on my report also attached.the accounts are XXXX XXXX XXXX  XXXX balance {$880.00} XXXX XXXX XXXX XXXXXXXX XXXX balance {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Experian keeps sending me unsolicited email and I can not opt out. They claim " This is not a marketing emailyoure receiving this message to notify you of a recent change to your account. '' They explicitly say that even if I update my communication preferences, " youll continue to receive notifications like this one on the status of your account. '' Experian is clearly trying to get around CAN-SPAM by sending me marketing email, e.g. suggesting I should try Experian Boost, under the guise of transactional email for account status. But these emails are for things such as " it's time to check in on your credit '' or " your dark web scan is available '', not relevant account activity. 

I would like someone to explain to Experian that it's not cool to try to boost engagement by sending me emails every few days that I do not want and can not opt out of.

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 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Acct. name - XXXX XXXX XXXX, acct. # XXXX - acct. type - open date XX/XX/2018, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights.

15 U.S.C. 1681 SECTION 602 A. 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 consent. 

Acct. name - XXXX XXXX, acct. # XXXX - acct. type - open date XX/XX/2018, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights.

15 U.S.C. 1681 SECTION 602 A. 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 consent.

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 2023-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Florida XXXX ( XXXX ) XXXX XXXX Atte : Capital One Dispute XXXX XXXX Dear Transaction Dispute Department. 


I am writing a letter to dispute a charge that was made to my credit card Savor ending # XXXX by XXXX  XXXX XXXX XXXX car dealer, located at XXXX XXXX XXXX XXXX XXXX Florida XXXX. 

On XXXX the XXXX I purchased an XXXX XXXX XXXX XXXX at the same location above and I met with Owner and/or Manager XXXX XXXX XXXX . 

I told XXXX that I was interested to purchase an XXXX XXXX XXXX that I saw in his car dealer web site for the price of {$270000.00} ( Please see XXXX Report enclose ) I put my old vehicle as dawn payment ( price owned in the XXXX XXXX XXXX was {$6800.00} ) XXXX XXXX XXXX gave me a price value for my XXXX XXXX XXXX - {$6800.00} = XXXX. 

I met with the financial Manager XXXX XXXX XXXX that he said that the price for the XXXX XXXX XXXX will be {$27000.00}. 
Plus, Taxes XXXX Government certificate. {$250.00} -Government Fee {$96.00}, = Total Amount of XXXX XXXX credits for my XXXX XXXX was XXXX. ( Please see contract. ) XXXX XXXX XXXX wants to charge me for my tag {$290.00} but, I stated that I was using my own and to do need for transfer. 


THE XXXX XXXX XXXX XXXX XXXX PROBIDED BY XXXX XXXX ON YOUR INBOX. 
WHERE IN THIS CONTRAT SAID THAT THE VEHICLE WAS {$31000.00} WITH XXXX XXXX DOWNPAYMENT. THAT IS INCOREECT. 
XXXX XXXX Finance manager XXXX XXXX overcharged me WITH hiding fees without disclosing anything XXXX XXXX. 
XXXX XXXX charged me with predelivery fees with an amount of {$980.00}. 
XXXX XXXX charged me with XXXX XXXX Destination and Handling {$990.00} in a used vehicle. 
XXXX XXXX charged me for inspecting the vehicle and adjusting with an amount of XXXX. 
On XX/XX/XXXX, I contacted the dealer to go over the contract and make some adjustment due to that the {$4000.00} was not adjust onto the original price for the vehicle {$26000.00}. 
On XX/XX/XXXX, I contacted XXXX XXXX more than twice ; he stated that he will made the adjustment. 
On XX/XX/XXXX, I contacted and Spoke with the XXXX XXXX owners and XXXX XXXX XXXX he said that he would investigate. 
On XXXX the XXXX, I contacted the dealer again and spoke with manager XXXX, he stated that the owner was not available and he was not aware of those charges. 
They charged me what? I almost got into a car accident due to one of my tires exploded. please see pictures. 
I met with XXXX XXXX XXXX and the XXXX XXXX services manager changed only two back tires not the front. Please see pictures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX Balance : {$5100.00} ; XXXX, XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: OneMain Finance Corporation
State: MN
Product: Credit reporting 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:
My personal information was used by someone else to obtain credit from these different companies. I've sent out multiple dispute letters to each credit bureau, dating back to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have contacted Citibank to resolve this issue several times. I have applied to have my limit raised from XXXX to anything, just raise it. it hurts my credit with a low limit. My other cards have raised my limit over XXXX without me even asking. My credit score is over XXXX. They originally sited no reason for denial and I filled a complaint on the phone with them first. I was contacted once and was unable to speak as I was driving back from down south with my daughter and did not have my financial information with me. When i arrived home I received another denial letter. I earn over XXXX yearly and I am included in a protected class of people and see no other reason for my exclusion.

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 2021-05-26
Company: Chime Financial Inc
State: MI
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:
This is a three part complaint chime bank. I've had account two years and used XXXX XXXX. If dud what they said, my score shot up. The issue as I just became a platinum member. So a preferred you get a metal card and but on XX/XX/XXXX I ordered two pairs of what I typed in and looked like XXXX XXXX $ each. I never see that cheap so later before anything coukd ship I looked and noticed it says of XXXX XXXX XXXX in some view you see a XXXX symbol in straight on nothing blank so I figured XXXX XXXX so I canceled both before they ever shipped. On XX/XX/XXXX XXXX was refunded. But that's two pairs wheres the other XXXX well XXXX says both were refunded one on the XXXX and one on the XXXX chime says no. But I keep disputing the charge. And nothing gets done. Then I used XXXX XXXX ask one question for XXXX they did not help what I asked none the less I noticed if you use you have to cancel only there's nowheee too and the tech experts don't answer where can I cancel. XXXX warned chime I don't use and don't want this charged. I calmly disputed this also. Somehow a XXXX XXXX  charge for XXXX from XX/XX/XXXX got disputed but it's a mistake its XXXX XXXX  I just noticed they sent me an email saying by XX/XX/XXXX my account is being canceled. They will not tell me why but nit in accordance with user agreement. Yet 3 weeks ago I'm a XXXX XXXX customer. I really wasn't complain about the disputes yes I want the XXXX and the XXXX back. But also that XXXX banking or plaid might be causing glitches I had XXXX and XXXX apps bug can't access my bank so whatever the reason they owe me money are being duscrunatory and canceling my account and no reason they won't tell me should be unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: OneMain Finance Corporation
State: VA
Product: Credit reporting 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:
This is my second attempt with you all to address these issues i can attest that Its I and not a third party that is making this request. To recap, I have recently reviewed my XXXX, XXXX and XXXX credit reports and it indicates that I have inquiries with One Main Financial on XX/XX/2023 and XX/XX/2023. However, my contact with that company was responding to pre-approval invitations that I turned down after not liking the terms and conditions after completing the pre-qualifications. I was not made aware that I was applying for any loans. Thank you all for looking into this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Continental Finance Company, LLC
State: IN
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:
Continental Finance used and shared my credit info without my permission. XXXX did nothing

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 2021-04-12
Company: HW Holding, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter in XX/XX/XXXX stating I owed money as a co-signer on an apartment in Florida. I called them and said it was not me. I received another letter XX/XX/XXXX stating I need to pay this debt, and the collection process has escalated. I never co-signed for any apartment. They have not send me any documents showing how I am connected to this. My name was used fraudulently and now they are trying to collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : XXXX XXXX, XXXX XXXX  : # XXXX. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2019-10-15
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: Account information incorrect

Complaint:
In XX/XX/XXXX, I purchased a XXXX XXXX XXXX. I have been paying & XXXX per month for 8 year on the vehicle totaling ( {$66000.00} plus interest ) through a lender called XXXX. 
Dispute requesting assistance from this company to lower my high interest rate so that I could afford to make these payments, the company refused my offer for assistance. 
I was forced to surrender the vehicle in XX/XX/XXXX. XXXX states that I still owe them {$13000.00} more dollars and have place a collection on my credit account which has negatively affected my credit score and future opportunities to acquire credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Sir/Madam, This is a verified complaint concerning Equifax 's erroneous credit report. i : reported to Equifax, that the three bankruptcies reported on my credit report have been not been obtained from reliable sources. i : included the response from bankruptcy court ( see attached ), reported my identity theft report to XXXX XXXX, reported my identity theft report to police ( see attached ) and to FTC ( see attached ). Although, i : communicated these to Equifax, Equifax wrote back to me in letter date XX/XX/2019, under report number XXXX, that the bankruptcy reports were obtained from XXXX XXXX   which is incorrect, since, i : have confirmation from XXXX XXXX, that following my identity theft report to them, they would not and can not report anything to anyone. This can be easily verified over the phone by calling XXXX XXXX. This misconduct of Equifax, in falsely stating that they obtained these information from XXXX XXXX, when they can not and did not, has damaged me economically and emotionally. i : therefore, present to CFPB to order Equifax to immediately remove the three bankruptcies from my file simply because they were not obtained from XXXX XXXX and to grant other relief to me since i : have been damaged economically by Equifax and its Co Parties Agent ( s ) Principle ( s ).

Company response to consumer: Closed with explanation