BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: TX
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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 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 2023-09-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX Account Number XXXX {$7000.00} XXXX XXXX Account Number XXXX {$3800.00} XXXX XXXX Account Number XXXX {$2900.00} XXXX XXXX Account Number XXXX {$3200.00} XXXX XXXX Account Numbers XXXX {$2900.00} 15 USC 1681 Section 604 " States rights to consumers privacy ' Reporting agencies can not furnish a account WITHOUT my WRITTEN consent!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have never been late with their company just this once. I contacted XXXXXXXX XXXX  on this matter. I sent over documentations regarding my father who was on his deathbed and he did not have insurance, and I had to literally pay all of his medical bills out of pocket. I asked if XXXX could extend the date and I will pay them when my next paycheck comes. I sent over a letter from the doctor and the nurse, including his bills which is a violating from HHIPA. XXXX had no remorse to the letters or my family tragedy and I feel like that was unfair because Ive never been late. This was a life or death situation either pay them and my dad dies. If XXXX could just remove the late fee and stop assassinating my character to other companies that pulls my credit report. XXXX are making other companies believe that I dont pay my bills on time and thats not true.

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 2023-09-20
Company: AUTOMOTIVE CREDIT CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had purchased a vehicle in XX/XX/2023. My first payment was due in XXXX. Ive paid on time every month sometimes early. In XXXX, I got new insurance through XXXX, and Automotive Credit. They ended up canceling my insurance for unbeknownst reason. ACC spoke to them and changed the policy. I got canceled and I never even knew about it. I corrected the situation when I found out about it. I went with another insurance company, because I couldnt get any answers on why they canceled me. ACC charged me {$450.00} for 15 days XXXX policy, unbeknownst to me. I paid early and apparently they applied my regular payment to the insurance charges and showing Im 15 days late. Ive advised that Im not paying that amount for XXXX weeks in lapse of insurance. They refuse to work with me. I asked for them to take off the charge, XXXX XXXX refused. She did take off a late charge and told me to pay the payment a day late so it wont be applied to the insurance. I would like that amount. To be taken off and my payment to be applied correctly. They call me every day for collection and want me to pay. XXXX stated that nobody can apply the payment correctly, if she could she would. I asked to speak to someone higher and she stated XXXX and XXXX will not talk to customers. I get that I was supposed to keep insurance but I was unaware, especially since XXXX took out a payment for XXXX and then they canceled it, no reason given. I had set up automatic payments for that reason. Please help!

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 2023-09-14
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting Act Account # XXXX has violated my rights.

15 U.S.C. 1681 Section 602 ( a ) states that I have the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) also specifies that a consumer reporting agency can not furnish an account without my written instruction.

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 2023-09-20
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I recieved a debit card in the mail from Chime ( XXXX XXXX XXXX XXXX FDIC ), I did not open a bank account with this company nor did I request a card. 

I called them and requested that my account be immediately closed, provided them the card number on the card they sent to me- they requested my personal information which I would not provide, they said they could not help me unless I provided it. 

It appears either this company is a scam or they are enabling fraudsters to steal personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Capital One keeps asking me for information. I have already furnished that information many times. Its just a way for them to blame me when they close the case. They closed my last complaint with the attached letter. How can they be compelled to actually address the dispute?? 

Recently, someone named XXXX at telephone XXXX ext XXXX called me. In her message, she mispronounced my name badly, twice. She asked me to call her back, which I did. I included the dates and times that would be convenient for me to have XXXX call me back. But Im still waiting for that phone call. She never called me back. Instead, Capital One posted the attached letter, completely abdicating their own responsibility to resolve my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXX/XX/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 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 2023-06-16
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have applied multiple times for a credit line increase with one of my credit card companies, XXXX XXXX. Each time I have been given the denial reason as being that there is a presence of a missed payment on an account, credit card, or revolving account. It also states that they made the decision based on information from Equifax. I checked my Equifax credit report and I show no delinquent accounts. All of my active revolving accounts are in good standing and I have no accounts in collections on Equifax. I need this to be investigated because there is no reason I shouldnt be eligible for the credit increase based on the incorrect reasons given.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am formally requesting verification of the information associated with the accounts in question through the relevant companies. Additionally, I require copies of any documentation pertaining to these accounts bearing my signature, thereby authorizing any contracts. In the absence of such signed documentation, I explicitly request the prompt removal of these fraudulent accounts, inaccuracies, and inquiries from the credit file linked to my Social Security Number. 

I want to bring to your attention that, in accordance with the Fair Credit Reporting Act section 611, you have a 30-day window to complete this investigation. By violating the FCRA, I am open to settling any civil liability damages resulting from your infringement for {$1000.00}, as outlined in FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Failure or refusal to remit payment of {$1000.00} within ten ( 10 ) calendar days of receiving this notice will prompt me to pursue actual damages exceeding {$1000.00}.

Kindly expedite payment via Certified Funds to my registered home address.

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 2022-08-12
Company: JPMORGAN CHASE & CO.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
My husband and I applied for a loan to pay for emergency replacement of our septic system, without which our home would not be livable. We also requested a large enough loan to take care of some other home repairs and upgrades. The bank we applied to last XXXX was the one that already held our mortgage. We applied in XXXX and -- because of the emergency nature of the septic replacement -- had to hire a contractor before the loan was approved. In late XXXX the bank officer we were working with told us the loan was provisionally approved pending one last item : a home assessment. The assessor said he needed to see county health department approval of the work done on our septic system. Before completing this work, the contractor insisted on being paid a significant percentage of what we owed. For that reason, we drew down our cash reserves and put the large remainder on a credit card, which we planned to pay off as soon as the loan was approved. This left us in a precarious financial situation. However, Chase did not approve the loan upon receipt of the home assessment. Instead their representatives started demanding more and more documentation from us and refused to explain why. Chase representatives also stopped communicating with us in a timely manner and had to be prompted to do so. After I sent a complaint letter to the bank branch manager, I received a phone call from a Chase customer service representative insisting the only way I could follow up on the complaint was over the phone. When I told him I am hard of hearing and asked to communicate via email or text, he insisted that the only way he could communicate with me was verbally, despite the fact that this is a violation of the Americans With Disabilities Act ( and I have already filed a complaint with them ). By XXXX we realized Chase was not going to either approve or deny the loan. For some reason, they were keeping us in limbo. So we found another bank that approved the loan in three weeks. In our opinion, Chase was negotiating with us in bad faith, which endangered our family 's finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: PA
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:
Hello, my name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Comm

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 2023-05-07
Company: EQUIFAX, INC.
State: LA
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: Billing dispute for services

Complaint:
On or near XX/XX/2022 I notice a fraudulent collection account appear on my credit report XXXX XXXX XXXX. I contacted the creditor and was told this was an old account with my name attached to it but they could not provide any historical data and offered to depute the fraudulent account. As it remained on my credit report I contract Equifax to file a dispute and in 30-Days I was told the company responded with an invoice and that the case was closed. I demanded to speak with the fraud department upon hearing this as this was not a proper investigation, merely uploading an invoice with my name on it barely an investigation and certainly not grounds to close the investgation. I was advise by Equifax to then verify my identity via certified mail, to which I did, and to dispute the fraudulent account again after I prove my identity. The Last step was to file a CFPB complaint and fax it over to Equifax and they would delete the within 2 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: NJ
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:
I am not liable for this dept with XXXX XXXX XXXX ... XXXX. 
I do not have a contract with XXXX XXXXXXXX XXXX.. They did not provide me with the original contract as i requested.. It has been over 90 days...

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 2023-10-30
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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 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 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 2023-09-20
Company: American Credit Acceptance, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I was financed a XXXX XXXX XXXX XXXX from American Credit acceptance in XXXX. I have been on time with my payments and never late. I only owe {$3900.00}. on the car. It was almost paid off. The car was impounded/I was not at fault. The impound company contacted American Credit Acceptance finance company and they made an agreement to action my car off. Now I don't have my car, my finance company gave another company permission to sell my car and my finance company still wants me to pay them for the car. They sold my car and committed fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
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: Reporting company used your report improperly

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 XXXX XXXX  # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX # XXXX XXXX- Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2023-09-20
Company: Nelnet, Inc.
State: TX
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:
Please remove from credit. I do not owe a balance. Ive never received a disbursement from the school. Please remove from credit. I dropped all classes once I realized they were trying to get me to take out a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
XXXX XXXX $ {$990.00} ( police report made, person arrested and charged ) XXXX XXXX wouldn't and didn't refund my money ... This was my whole check ... Reason. Didn't have enough evidence.. I had nothing ... This whole month. I tried repeatedly reopening dispute. To be denied ... I sent in police report ... They didn't lifted a finger to look into it ... XX/XX/XXXX ATM withdrawal {$500.00} XXXX XXXX card no money dispenced,,, XX/XX/XXXX disputed,, paperwork sent in,, them won't even give profelice credit. XX/XX/XXXX {$990.00} DISAPPEARED. I disputed didn't have XXXX.. I'm tied I live on my check ... I'm on XXXX.. XXXX XXXX XXXX  XXXX,, XXXX XXXX issues,, and XXXX survivor,, I'm in a chair,, I've contacted XXXX XXXX on all these,, to customer service it takes hours to get thru to, if you do,, and level two even harder your lucky if you do,, no number r address to these investigators. My x has made it inpossable for me to even get a regular bank account, direct XXXX is a nightmare,, and my money keeps going,, I'm crying still on twice I lost my whole check I had nothing,, but I did the questionnaire they sent me and even went and talked to vendors,, I need help,, please. XXXX XXXX {$500.00} no cash dispenced ATM withdrawal I'm presently in dispute with XXXX XXXX .. someone HELP,, IM LOST TO KNOWLEDGE OF WHAT TO DO.. WHY DOESN'T SOCIAL SECURITY, ,I KNOWING THEY ARE IN KNOWLEDGE OF PEOPLE LOSING WITH XXXX XXXX/COMERICA BANK ISN'T HELPING US,, WHY ARE THEY KEEPING THIS COMPANY,, WHO KEEPS ON TAKING FROM US?

Company response to consumer: Closed with monetary relief