BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I tried to dispute these inquiries with 3 reporting agencies ... but however they are still there and I didnt give anyone my authorization to run them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX double reported a credit inquiry to Transunion on the same day. They have 2 inquiries on my credit report for XX/XX/2019. Of course, they just love running your credit 20 times when you purchase a car, because every time they submit an inquiry, it lowers your credit score, so by the time you make the actual purchase, your score plummets 100 points and oh my, now we have a higher interest rate, right? This needs to be fixed.

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 2023-02-21
Company: TRUIST FINANCIAL CORPORATION
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:
On XX/XX/XXXX was in a vehicle accident and I had been waiting for the police report to go through online because I work out of state as a XXXX XXXX. I notified the XXXX dealership as I was told to do to find out about my GAP. On XX/XX/XXXX I had gone in to XXXX dealership in XXXX, Tx. and she gave me the information and the name of the XXXX company. I had been in touch with my bank XXXX immediately waiting for the settlement to go through on XX/XX/XXXX. On XX/XX/XXXX the information was sent to XXXX XXXX to a person named XXXX. I then got in touch with XXXX XXXX. On XX/XX/XXXX I sent everything to XXXX because she told me she would help me and submit the paperwork to XXXX which never happened. I again have to do everything by phone and email due to working out of town. I obtained my police report on XX/XX/XXXX and has sent that to XXXX. Then forward that to XXXX XXXX. On XX/XX/XXXX I had been on the phone with XXXX in tears because Truist bank would not supply the information needed for my GAP to pay off the vehicle. XXXX contacted Truist bank as well on my behalf with no information obtained. I have documentation of all the times Truist has been notified with a failure to respond to my requests. I have documentation of my insurance company XXXX making attempts, I also have documentation of XXXX XXXX attempting to notify XXXX of their representatives at Truist bank. I spoke with a female each time I had called and she was rude and after multiple attempts she said she would mail me some information. I never received any information at all. This caused my XXXX not to be paid and now I owe the rest on my vehicle that was totaled. I have good credit and do not want them messing with my credit due to their failure to respond causing my gap not to be paid. I owe a little over {$7000.00} and I am not paying for XXXX vehicles when gap should have paid off my totaled vehicle. I am at a loss and have tried to find a lawyer but none are responding to my inquiries.

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 2022-11-27
Company: EQUIFAX, INC.
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. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: NV
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:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 2019-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
CapitalOnerefusedtoforceXXXXltoreimbursethemforachargeonmyaccountandthencreditmyaccountforthechargeof{$170.00}backonXX/XX/XXXX,afterIcancelledtheservicesbutwasn'tprovidedwithproofofdoingso.AndXXXXdidnotshowdocumentationthatIdidnotcanceltheservice.Therefore,itwasCapitalOne'sjobtoprotectme,theircustomer,andtreatthisasafraudmatter...Butofcourse,sinceCapitalOneisafraudthemselves,theywereinfavorofthemerchant...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My issue is that my credit report is showing I missed the XXXX, XXXX and XX/XX/2019 payments for my XXXX XXXX credit card. I attempted to reach XXXX by phone to correct this but was told by a recording that they have limited staff and were unable to accept my call. This was on XX/XX/2019.

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 2023-03-06
Company: Chime Financial Inc
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A few months ago I deposited {$10000.00} to my Chime checking account, from a XXXX XXXX XXXXXXXX account in my name. 
The transfer went through without issue. 
Then I tried to use the funds ( transfer to a broker ) and Chime suspended my account. 
Since the I have been stuck in a customer support XXXX wasting hours and getting back automated or scripted replies asking me to send more documents or send documents that they already have. 

I submitted proof to Chime that the funds came from my own XXXX XXXX XXXXXXXX Account. It's clear there is nothing fraudulent here. It's clear that they don't care about resolving critical customer issues reasonably and quickly. I need to pay bills. This is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX, XXXX, Transunion are reporting this XXXX credit card with an outdated balance and payment information as this has not been reported for 3 months. Please update the balance as provided by XXXX. XXXX  statement provided. 

This incorrect reporting is in violation of the FCRA as the payments were made and the proof of this has been provided to the three credit bureaus XXXX, Transunion, and XXXX. The following documentation is provided from the original creditor of the payment and therefore XXXX, Transunion, and XXXX credit reporting agencies are in violation of 15 U.S.C 1681s and 15 U.S.C 1681n as they failed to accurately validate this information.

15 U.S. Code 1681s - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance - any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} Proper evidence has been supplied from XXXX and these credit bureaus continue to display inaccurate information. Please remove these late notifications immediately and send a letter to me confirming the removal. 

Sincerely, 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 2023-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received 3 checks from the United States Treasury for the XXXX XXXX XXXX that the IRS approved on XXXX XXXX XXXX I deposited once check in the amount of {$52000.00} on Sunday XX/XX/XXXX via mobile banking. I deposited the other two checks in the amount of {$41000.00} and {$51000.00} on Monday morning XXXX XXXX XXXX in the branch providing my id and deposit slip from my account. At no time did the teller say there would be a hold placed on the checks. I'm attaching the check I deposited on the mobile app to show these checks are from the United States treasury. The other two checks were deposited in the branch and Bank of America refuse to give me a copy of the checks. 

Later Monday XXXX XXXX XXXX I received an email from Bank of America stating my accounts were under investigation for fraud and criminal activity and all of my business acounts are being froze and I will not have access to any money. I called the bank and they said the checks appeared to be fake. I have spent over 12 hours XX/XX/XXXX through XX/XX/XXXX on the phone and they admit the the clears cleared with the United States Treasury, but they say i'm still under investigation and they will not release my money and I XXXX never get it back. In the mean time they keep return checks and ach 's on my account putting me in danager of losing my business. My rent check was returned and my landlord is threatening to evict me from my business location. I have no funds available to pay my 21 employees. 

Bank of America is trying to keep the {$140000.00} I received from the XXXX XXXX XXXX. So, I was able to survive the pandemic without losing my business, but now that I have received the XXXX XXXX XXXX I'm going to lose my business because Bank of America is trying to steal my money. They will not give me a date when and if I will get my money back or when the investigation is over. They will not tell me why they think I committed fraud or why the checks are fraud even though the United States Treasury cleared the checks and paid the Bank of America. 

The fraud being committed is by Bank of America and not me.

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 2021-04-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Have tried to login into my account ( s ) to get credit reports & dispute not known accounts via XXXX, XXXX, & Equifax and each one is " unable to complete my request '' online

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
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:
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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-26
Company: TMX Finance LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Hello, I dont know how far the email will go or if I can get this resolved but I will try. I close mouth dont get fed. Ive reached out to so many people even corporate and I keep getting rear ended. It should be a crime to charge 181 % in interest on loans. Why is it legal in Tennessee? These loan sharks target people who are suffering rich or poor. My only working vehicle has a 181 % interest loan on it with TitleMax. They never told me the interest rate until after I signed the papers. They never tell me what has been applied to the loan until I go online to see. I paid {$2700.00} on a {$2100.00} loan and still owe {$2700.00}. Ive used TitleMax several times and never had this hard of time paying this off the loan until now. I am trying to get my XXXX  in XXXX XXXX and homeschool my XXXX children, my income can not afford $ XXXX {$400.00} payments and only {$90.00} goes towards the loan. I have reached out to TitleMax general and district manager and none of them would return my calls. It took 3 weeks for them to return my call and they refuse to work out a payment plan so the interest dont keep accumulating. They told me I need {$650.00} to get current and only {$120.00} will go towards the loan the rest is interest. I called them on XX/XX/XXXX to forfeit the vehicle because I can no longer afford the payments. The general manager request that I drop the vehicle off at their office and take a XXXX home. I dont have XXXX money. I already paid the vehicle off and they want me to go out of my way to satisfy them. This should be banned in Tennessee. How can someone charge this much interest? The car is still in my driveway and I cant drive it because the tags are expired and no insurance because TitleMax will not come and get it and let me be done with them!!!!! I would love to keep my vehicle but they will not communicate with me and letting the interest on the loan get higher. Please help and send this email to someone who can help. Ive been in touch with the office since XX/XX/XXXX. I was current until XX/XX/XXXX. The General manager refuse to work with me on making monthly payments he said the District manager said he cant help me. I am on section 8 and my loan payments are more then my rent!!! My car started having problems and I can not afford to get them fixed because of their high interest rate and monthly payments. Im just trying to work this out but its obvious they dont want to nor have they attempted to get the car. Ive paid off over 10 loans with them and its sad that they couldnt work with me so I can keep the car. I am a single mother of XXXX whose just trying to make it and theyre making it impossible for me and Im sure others who are barely making it. There is no interest amount on the statements. I uploaded a statement from XXXX on another loan I had and it shows the interest. 


Thank you so much, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1 ) My escrow account prior to XX/XX/2019 has balance of {$1400.00}. After XX/XX/2019 escrow analysis, a surplus of {$160.00} has been calculated by Mr. Cooper. 
Mr. Cooper has documented no increase in property taxes. 
After escrow analysis, the monthly mortgage payment has increased from {$680.00} to {$700.00}. 
Based on the surplus, my monthly mortgage payment should have decreased. 
2 ) As recorded by Mr. Cooper, Mr. Cooper has applied to my mortgage account lender paid expenses chargein the amount of {$370.00} dated for XXXX. 
Mr. Coopers breakdown of the charges are as follows : Properly Inspection : {$15.00} Legal Fees : {$280.00} Maintenance : {$75.00} Why has this amount {$370.00} been applied to my mortgage account when I have no legal matter and I pay maintenance dues to the condo association?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I was lured into a crypto futures trading scam and I ended up losing XXXX. Then I tried to get the money back using the crypto marketing company but that turned out to be another scam and I lost XXXX to them, I put XXXX of that on my credit card and got nothing in return. Now I'm disputing that with the credit card company but it doesn't look good. I shouldn't have to be forced to pay them that money since it was all part of a scam. That would just be perpetuating the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: ALLIANT CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Purchased a XXXX on XX/XX/2021. Arranged for financing thru Alliant Credit Union. Sent final MVPA and VIN number to Alliant on XX/XX/2021. Received paperwork and agreed/signed security agreement for Loan 01 on XX/XX/2021. Took delivery of the car on XX/XX/2021 from XXXX - confirmed delivery. First payment of {$400.00} due and withdrawn from my bank account on XX/XX/2021 by Alliant. 

Original security agreement stated $ XXXX financing : 71 payments of {$400.00} ( final payment of XXXX ) at 5.470 % in exchange for {$42000.00} paid to XXXX on my behalf with first payment due on XX/XX/2021. 

XXXX, lender rep, on XX/XX/2021 stated that there was a computer glitch on the signed paperwork and that I needed to sign new paperwork for a new Loan 02. My previous payment was put into a pending account. The newly requested paperwork ( after I signed the security agreement, after I took delivery of the vehicle, after the first payment was drafted, and after XXXX said delivery is complete ) has financing of {$41000.00} : 71 payments of {$680.00} ( final payment of XXXX ) at 5.740 % in exchange for {$41000.00} with a first payment due on XX/XX/2021. 

I dont want to sign new paperwork for a new loan with worse terms for me after signing and agreeing with the lender and taking possession of the vehicle. The lender is claiming that this computer glitch on their end and errors on the Loan and Security Agreements and Disclosure Statements voids the previously signed agreement and that new terms are required. I disagree.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have been trying for the past couple of days to get an extension on my deferment due to unemployment. Navient is giving me the run around again. I have submitted all documentation they have asked for, and in reply they send emails saying they've answered my request. When I click on the link provided -- it leads to my account, with zero information about the status of my requests. This has been an ongoing issue. Navient 's website isn't set up to accommodate the user, only to ask for payment in various forms. I am unemployed and have been for quite some time. So, it seems rather unhelpful for the lender to have a maze of a website that is designed not to help customers, but, to confuse them. This is my second time with the same complaint, and Navient hasn't done any better in clarifying the process of asking for deferments, or, receiving information therein.

Company response to consumer: Closed with explanation