BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I called to dispute a charge on my account and the people i talked to said they could not dispute my charge unless i gave them my name. That normally would not be a problem but i gave them my name like 5 time already on the same call. I dont have time to give my information to the customer service people 10 times

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX  XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$26000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or around XX/XX/XXXX - XX/XX/2023 i recently opened up a Chime checking account in order to receive my Tax refund 5 days earlier like Chime advertised but to my avail it didnt go as planned. I received my card in the mail within 7-10 business days, thats when the problem occurred. I tried to log into my Chime account and activate my card but unfortunately it wouldnt let me activate it it kept making me sign up for chime all over again and i thought that was strange. So i called Chime and they told me some of my information didnt match but i knew that it did and didnt understand why Chime would close my account. So for 2-3 Months now ive been sending Support @ Chime & Review @ Chime constant emails about my account and un suspend my account. My taxes did go to the account unfortunately and now its over {$20000.00} frozen and Chime wont help me. Ive sent Documentation over and over at least 30 times because ive been trying for 2+ Months to get my account unlocked. ive sent over Drivers License, Proof of address, A selfie holding my drivers license with a piece of paper with my information on it, ive sent Tax refund acceptance letters, utility bills! Nothing ive done works! No one in real life replies to me when i email Chime support or Chime review i get the same automated email messages and its very stressful. Please help me as i told Chime at the time i was facing eviction and now is currently homeless with a wife and XXXX XXXX XXXX daughter living shelter to shelter or family couch to couch because chime frozen my account and wont release my funds. please help me and my family i have no other options.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit 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 bought a XXXX  XXXX XXXX with my XXXX credit card thru Syncony  bank and I never received the item made multiple disputes with XXXX and XXXX even sent me a email stating for item not received and its still not removing the purchase!

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 2023-08-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit report is reporting obvious inaccurate information, which is not supposed to be. My credit report can not have inaccurate information however this is not the case and this inaccurate false information is still reporting. This is harming my credit ability because it is misrepresenting my credit information unfairly.

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 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 inquiries on my credit report that I am unaware of. I tried to resolve the issue with the creditors but there was no resolution. 

XXXX XXXX ( 3 ) attempts XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( 2 ) attempts XX/XX/XXXX ( 1 ) attempt XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Am trying to buy a house, I realize I have damaged reports in my credit. 15 u.s.c 1681

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 2022-04-16
Company: Experian Information Solutions Inc.
State: CA
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 XXXX acct. # 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 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 2023-06-27
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX/XXXX  XXXX Balance : {$990.00} XXXX/XXXX  XXXX Balance : {$680.00} XXXX  XXXX Balance : {$13000.00} XXXX  XXXX XXXX Balance : {$550.00} - XXXX  XXXX XXXX Balance : {$490.00} XXXX  XXXX XXXX Balance : {$3400.00} XXXX  XXXX Balance : {$13000.00} XXXX  XXXX XXXX Balance : {$490.00} XXXX  XXXX XXXX Balance : {$3400.00} XXXX/XXXX  XXXX Balance : {$930.00} XXXX  XXXX Balance : {$14000.00} XXXX/XXXX  XXXX Balance : {$680.00} XXXX  XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$490.00} XXXX  XXXX XXXX Balance : {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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.

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 2018-12-11
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I became XXXX  in 2013. I have not worked in the field that I went to this school for. I am currently waiting on my XXXX which will take another 7 months before I know anything. I am working with an attorney and also some of the schools cost for XXXX  XXXX was unfairly charged. The cost of the online course that I took was over {$30000.00}. It is a total rip off and I was unaware of the total cost. The way they had everything set up was unethical. I have been fighting to get these student loans for this online course off of my credit for years and they just keep deferring it and charging more interest to the loans. I didnt even know that I had many different loans. I was never informed of this and thought that I had one loan out for the entire course which normally cost around $ 6-8,000 and not over {$30000.00}. This is insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: COOLEY ENTERPRISES INC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I HAVE MADE ATTEMTS TO CONTACT FINANCE DEPARTMENT AT CLAY COOLEY XXXXXXXX XXXX XXXXXXXX AND HAVE NOT HAD A RESPONSE. I WAS FORCE ( TOLD I COULDNT GET FINANCING UNLESS I PURCHASED A {$3500.00} EXTENDED WARRANTY ) ALSO FAILED TO GIVE COPY OF CONTRACT AND EXTRA KEYS

Company response to consumer: Untimely response
Consumer complaint received 2023-12-27
Company: QC HOLDINGS INC
State: WI
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Lendnation has been harassing me by disclosing my loan information to many family members, in violation of federal and state laws. I request Lendnation to refrain from making contact with any relatives, friends, coworkers, etc. regarding the loan. They do not have my permission to contact any third parties.

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 2023-06-27
Company: EQUIFAX, 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 a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My name is XXXX XXXX XXXX XXXX : XXXX Address : XXXXXXXX XXXX  XXXX XXXX, XXXX ,  FL XXXX Bank account being closed XXXX Credit card still open : XXXX I have never had a banking relation with any bank and in fact I have a student credit card Opened with this company. For some reason I tried opening a checking account and it was closed 15 min afterwards. Ive tried to open an account again and it wont allow me to it says I can never open a checking or savings with them. This is very sanding because my entire family has a relationship with Chase and I wanted to keep that tradition. I feel discriminated for some reason. This bank is not allowing me to open up a bank account with them and I need to be allowed to be able to open up a bank account so I can proceed as a regular citizen and have a bank account and a relationship with Chase. Im not in XXXX systems or have ever had a relationship with Chase bank or any other bank to cause them to want to not open a checking account or savings account for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Roughly about two weeks ago, I received a call from a representative, from Freedom Mortgage, to set up my closing date. The representative provided the closing numbers, Rate : 2.25 %, Loan Amount : {$440000.00}, Monthly Payment : {$2700.00}, and next payment date of XX/XX/2021. The closing date was scheduled for XX/XX/2021, at XXXX XXXX 

I called Freedom Mortgage on XX/XX/2021, to obtain a copy of the closing statement in preparation of the closing date on the XXXX. The representative XXXX XXXX XXXX emailed me a copy of the closing statement. The closing statement had different numbers than what was presented to me by the representative scheduling my closing date. The Loan Amount had changed to from {$440000.00} to {$450000.00} and the Monthly Payment from {$2700.00} to {$2700.00}. I asked XXXX to look into the issue ; she said she would escalate the problem up her chain-of-command. 

After carefully reviewing the documents, it is clear that Freedom Mortgage is not deducting the previous escrow balance of {$5300.00}, from the Loan Amount or the Pay-off balance. Freedom Mortgage is currently servicing the original loan/mortgage and they hold the escrow balance of {$5300.00}, which is not credited in the closing statement attached. With the escrow balance credited XXXX {$5300.00} XXXX, than the total loan amount is about $ XXXX, as presented by the representative scheduling the closing date. The closing date is tomorrow. I've emailed XXXX and XXXX a couple of times with not resolution. As a matter of fact, XXXX send me the same closing statement earlier today with no changes.

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 2023-05-26
Company: Experian Information Solutions Inc.
State: CA
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. The list of accounts below has been violated. My federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the rights to privacy. 
15 USC 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2021-09-28
Company: Exeter Finance Corp.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Good Morning, I contacted Exeter Financial on XX/XX/2021 informed them that my employer had reduced my hours again due to covid an that my spouse was no longer working and my bills where high they informed me I had used all my extension an only had one available. After speaking to a serval representatives informed an explained my situation on recorded line the representative stated that he will help me today an apply a two month extension this was on XX/XX/2021. I was very happy with that information. I notice they report 3 missed payment to all three of my credit XXXX, XXXX and XXXX, I also see they they began to call me i answer a call on XX/XX/2021 where the representative is informed me that I'm very past due an what the representative on XX/XX/2021 did needed manger approval an mines was dined. Throughout this whole pandemic i have been them first before even my rent because I knew once I acquired a job I would need a car for me a my XXXX kids. They have never had a relief options i have called to lower my bill dined I have called them for the small amount of help an always they give a run around. I'm requesting a two month extension on my loan. Covid 19 is still very real an I'm unable to make full payments at this time i would like them to remove all negative information off my credit. If some can please help me with this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Byrider Franchising, LLC
State: IL
Product: Credit reporting, credit repair services, 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:
CNAC reposesed my car in XXXX  of 2015. They have in the credit bureau a date of last payment on XX/XX/2015. They also have a closed date of XX/XX/2015. The account was NOT closed the same date of last payment. Also, CNAC charged off the account less than 180 days after last payment which is ILLEGAl. They continue to try to hurt consumers who no longer want lemon cars. Their account needs to be REMOVED from my credit bureau never to come back.. It has been since XX/XX/2015 since we parted ways and I keep disputing their illegal reporting to the credit bureaus and no one listens. But they keep reporting so It can stay on my report. Please have them remove or the next step will beto take them to small claims court along with the credit bureaus also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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 have submitted a complaint on XX/XX/XXXX regarding this same XXXX XXXX XXXX account. Complaint ID XXXX, Yet the company respond that the account will be removed and it has not been removed since XXXX. 

It was revealed in my credit report that a charge off account is inaccurate that I did not authorize.I would like this accounts immediately remove from my XXXX and Experian credit report : Account name : XXXX XXXX XXXX Acct XXXX Date open : XX/XX/XXXX charge off XXXX ( Experian ), XX/XX/XXXX ( XXXX ). I respectfully asked the creditor to provide some kind of proof of these alleged items, specially the contract, note, or other entrustment bearing my signature. additionally, to please provide the name, address, and telephone number of each credit grantor or other subscribers. It has been over 30 days and I haven't got a response. Under federal law they have 30 days to complete a reinvestigation. as well that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provide within 15 days of the completion of the reinvestigation. 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and.

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