BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Account Number : XXXX*** ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number XXXX XXXX  ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account 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 2022-07-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reviewed my credit report with Equifax. I found an account ( XXXX XXXX XXXX ) that was not mines I tried to dispute this account with Equifax and was unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: IN
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 recently received communication from Experian, XXXX and XXXX attempting to collect an alleged debt. 
I send a letter to Experian, XXXX and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants COLLECTION COMPANY NAME the authority to collect this alleged debt.

* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open.

* Have any insurance claims been made by any creditor regarding this account?

* Yes * No * Have any Judgements been obtained by any creditor regarding this account?

* Yes * No Experian, XXXX and XXXX never responded! 

Further More Experian, XXXX and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that Experian, XXXX and XXXX is implementing it self. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore Experian, XXXX and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective November 30, 2021. Cease reporting this debt immediately or face legal action. Experian, XXXX and XXXX lack permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : 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 2022-07-09
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
On or about XX/XX/XXXX. I refinanced my auto loan from Wells Fargo to XXXX XXXX. 

Wells Fargo was supposed to send title to XXXX XXXX in XXXX. I received a call from XXXX XXXX in XXXX saying they did not have the title and could not finance unless the title was received. 

All money went to Wells Fargo. 

XXXX XXXX then said they would contact Wells Fargo to get the title. 

Fast forward to XX/XX/XXXX. The loan was paid off at XXXX XXXX and in turn a home improvement loan was done where the vehicle was used to secure that loan. 

At the time I agreed to the loan, I was told they would send me the title and I would then send it back to them, so they could be the lie holder. Why didnt the representative state at that time that XXXX XXXX did not have the title. 

Today ( Saturday XX/XX/XXXX at about XXXX am ) I spoke with XXXX and a person named XXXX who said he was a supervisor. 

At the time of the new home improvement loan, I was told I had 90 days to get the paperwork they were sending out to me back to them. 

Its been months and since I never received the paperwork I called today and spoke to XXXX. Aweful Customerservice.

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 2020-02-25
Company: U.S. BANCORP
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Elan Financial Services is reporting an inaccurate payment history to one or more of my credit reports. On XXXX, Elan is reporting that the account first became 30 days late in XX/XX/XXXX, but XXXX and XXXX  show the last payment was made in XX/XX/XXXX, which would put the account going 30 days late in XX/XX/XXXX. Elan has re-aged the account on my credit report by FOUR FULL MONTHS and is making the late payments inaccurately seem more recent than they actually are. On XXXX, Elan has omitted the month by month payment history from the report. The account is incomplete on that report. 

I am complaining because I first disputed the account with XXXX  and XXXX, but they responded to my disputes on XX/XX/XXXX saying that Elan verified that the inaccurate information was correct. 

After that, I sent a letter directly to Elan regarding the inaccurate credit reporting on XX/XX/XXXX. I provided them with proof of the date of last payment from my XXXX  and XXXX reports. I also sent them a copy of the dispute letter I sent to XXXX  as well as the inaccurate account reporting on XXXX. 

On XX/XX/XXXX, Elan responded to my direct dispute letter by saying they already investigated my dispute when I disputed with XXXX  and that they would not investigate. They also claimed I did not provide any new information, which is a false claim. 

In summation, Elan failed to investigate my dispute when I disputed with the credit bureaus. Elan verified inaccurate information as accurate to XXXX. Elan refused to investigate my dispute when I sent them a letter with proof of the inaccurate information. Elan also has failed to correct the information after all my attempts to get it corrected.

At this point, Elan has violated my rights under the FCRA multiple times. Elan is causing real harm and emotional distress to me by providing this false information to the credit bureaus. I have been charged exorbitant rates on a recent auto loan because Elan is maintaining this inaccurate information on my credit reports and I have been denied  other credit opportunities.

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 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Abuse of trust by a former co-worker in the AUTO loan processing process and where they took advantage of my good will and carried out a whole process of strong consultations with different banks and financiers that are exactly detailed before the credit bureau with my credentials for the procedure requested by XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Please see attached data / Digital backup ). 



XXXX XXXX asked me to help her accompany her to your office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. First, her credit and credentials were verified. ( SSN ) And the salesman who assisted her at the time told her that her credit score is very low and she needed to present a co-signer and contribute a higher premium to the AUTO. Having this information, XXXX, she suggested to the seller that they try my personal credentials ( SSN ) to see how my credit history would come to light and see if the monthly payment could be lowered. So USD XXXX was a very heavy amount for their finances. She was looking for an average fee between approximately USD XXXX. 



I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best economic decision for her budget. The seller and she assured me that only 1 inquiry would be made to the credit bureau and that it would be soft. And it wouldn't affect my score in the slightest. situation, which is NOT true at all. At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and NEVER request to be the main debtor and/or co-debtor in this process.

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 2023-05-14
Company: Consumer Portfolio Services, Inc.
State: WA
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2 ; it also states a consumer reporting agency can not furnish an 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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: JPMORGAN CHASE & CO.
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Experian Information Solutions 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

I dispute the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading specifically XXXX XXXX ( XXXX ) - ( XXXX ) XXXX and any non account holding hard inquiries. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on I want the incorrect information on my credit file be corrected immediately, and my rights not to be violated further.

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 2020-12-21
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was the victim of fraudulent transactions to my Chime checking account ( I believe via debit card ). I received texts alerts while at my job with my debit card in my possession asking if I authorized the following charges : {$1000.00} at 'XXXX  # XXXX XXXX XXXX ' on XX/XX/XXXX ( to which I responded " No '' ) {$1000.00} at 'XXXX XXXX  # XXXX XXXX XXXX ' on XX/XX/XXXX ( to which I responded " No '' ) {$56.00} at 'XXXX XXXX XXXX XXXX ' on ( to which I did not respond ) After I responded " no '' on the first fraudulent charge, I was assured via the text message alert system with Chime Bank that " The transaction was blocked and no funds have been taken from your account. If you believe your card was stolen or compromised, please disable transactions in the Chime App and request a new card from the settings screen or call XXXX '' However, another charge was placed and I received the same alert to which I responded " no '' and received the same supposedly re-assuring message stating that the transaction was blocked and no funds were taken. I took the appropriate action and disabled transactions and ordered a new card. However all of the money was taken anyway via these transactions above, and in total below : In total, the following charges ( in North Carolina and California ) were unauthorized and made and posted to my checking account while I was at my place of employment in Louisiana ( including three of the transactions above : XX/XX/XXXX : {$1000.00} at XXXX in XXXX, North Carolina XX/XX/XXXX : {$2000.00} at XXXX XXXX in XXXX, North Carolina XX/XX/XXXX : {$10.00} at XXXX in California XX/XX/XXXX : {$2.00} at XXXXXXXX XXXX XXXX in XXXX, North Carolina XX/XX/XXXX : {$1300.00} at XXXX XXXX in XXXX, North Carolina XX/XX/XXXX : {$10.00} XXXX XXXX XXXX in North Carolina XX/XX/XXXX : {$22.00} at XXXX XXXX XXXX in California I called multiple times and emailed them multiple times in which I was notified that an investigation was open and that a credit would be sent to my account, but I was notified by Chime even after appealing and reopening the case with them providing proof of my hours at work in Louisiana showing that I was at work during the time of these transactions and NOT in XXXX, North Carolina, XXXX, North Carolina, nor California at the time of any of these transactions. Ultimately my account was closed by Chime and I NEVER received any of my money back for these fraudulent charges totaling {$4300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
On or about XX/XX/XXXX. I refinanced my auto loan from XXXX XXXX to Navy Federal. 

XXXX XXXX was supposed to send title to Navy Federal in XXXX. I received a call from Navy Federal in XXXX saying they did not have the title and could not finance unless the title was received. 

All money went to XXXX XXXX. 

Navy Federal then said they would contact XXXX XXXX to get the title. 

Fast forward to XX/XX/XXXX. The loan was paid off at Navy Federal and in turn a home improvement loan was done where the vehicle was used to secure that loan. 

At the time I agreed to the loan, I was told they would send me the title and I would then send it back to them, so they could be the lie holder. Why didnt the representative state at that time that Navy Federal did not have the title. 

Today ( Saturday XX/XX/XXXX at about XXXXXXXX XXXX ) I spoke with XXXX and a person named XXXX who said he was a supervisor. 

XXXX was rude XXXX and basically said Navy federal never had the title. 

How is this legal? How can you loan money on a vehicle without becoming the lienholder? 

XXXX then said Navy Federal has no responsibility to get the title back in XXXX nor today. Told the customer to figure it out basically. 

At the time of the new home improvement loan, I was told I had 90 days to get the paperwork they were sending out to me back to them. 

Its been months and since I never received the paperwork I called today and spoke to XXXX. Aweful Customerservice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: JPMORGAN CHASE & CO.
State: FL
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:
To whom it may concern : I have been disputing an overcharge of {$520.00} posted to my credit card account by XXXX XXXX XXXX in XXXX, XXXX. This transaction took place on XX/XX/2021, when I was forced to check out ; after only six days of my expected hotel stay due to personal safety issues, I had booked a 13-day reservation from XX/XX/2021, until XX/XX/2021, at the rate of {$230.00}. 

XXXX and XXXX XXXX sent me confirmation emails for this reservation at this rate which I also presented to Chase. Which occurred on XX/XX/2021, when I checked out after only six days of my expected hotel stay due to personal safety issues taking place at the hotel. 

I expected that I would be charged of the rate of the {$230.00} proposed for the full 13 days stay. XXXX XXXX XXXX charged my card {$520.00} ; therefore, my rationalization for disputing this charge with Chase. Moreover, I have been doing so since XXXX of 2021 ; however, Chase decided that XXXX XXXX was justified and paid them this amount despite the confirmed booking confirmation, which I sent them from XXXX and XXXX XXXX evidence {$230.00}, 13 days I expected to stay. Moreover, I have also provided these emails for your review. 

As such, I disputed the charges again, providing the same evidence of the confirmed booking I mentioned earlier that I had made, but to no avail. Finally, Chase credited my credit card account with {$120.00} in XX/XX/2021, which I presumed was for the six days I did not stay or 1/2 of the {$230.00}. However, Chase still owes me {$390.00} of the {$520.00} they paid out to XXXX XXXX. 

I have called innumerable times refuting these charges. On XX/XX/2021, I called Chase 's credit card dispute center and asked if I could speak to a supervisor about the charges and getting nowhere with my dispute. The supervisor told me that she understood my dilemma, but she could do nothing about the charges and that I would have to pay despite being overcharged. 

I told the supervisor that it was wrong for me to pay for the overcharge considering the confirmation emails of the booking I provided them as I mentioned above, proving to them that I had reserved my 13-days at XXXX XXXX for {$230.00} and not {$520.00}, which I was overcharged. Help, Chase, is unfairly withholding credit to my Credit card account of {$390.00} and forcing me to pay these charges I do not owe them ; they owe me! 

I am reaching out to Consumer Financial Protection Bureau ( CFPB ) with my complaint, given if I do not pay, they will file against me negatively on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-02
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I called about a declining checking account balance. Advised rep that it was {$70.00} in service fees since I signed up for their new high interest savings account. Asked for actions to be undone as it wasnt disclosed at that time that I would incur a XXXX XXXX XXXX  fee. Rep stated only {$50.00} in fees assessed and statements I was reading to her were wrong. Spoke to a supervisor who offered to only waive {$20.00}. Closed accounts. Again requested statements from last 12 months. Told I cant without a fee being charged and that they mailed my statements. In the 6 years of membership, never has a statement arrived by mail. Also asked for member number so I could fill out board of director form on PenFed site and was told member number cant be given but its on statements. Again told statements would have a fee assessed even for digital delivery. UDAAP violation. Request hearing.

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 2023-05-14
Company: JPMORGAN CHASE & CO.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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 under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation