BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-01
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
The credit card company American Express offered a XXXX XXXX offer, which was purchase over {$500.00} and get {$100.00} back. I enrolled in the offer and made a purchase over {$500.00} from XXXX XXXX website. However, the credit card company said I enrolled in the offer after I made the purchase and refused to give me the {$100.00} cash back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

1

5 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 non-monetary relief
Consumer complaint received 2020-06-02
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I was unable to link account from PNC Bank to XXXX XXXX in order to make a transfer. PNC bank will not allow my XXXX  account to link.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: SYNCHRONY FINANCIAL
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am an immigrant that speaks XXXX. I am not fluent in English. In XX/XX/2020, I had XXXX to remove XXXX from my XXXX XXXX. My deceased husband, a United States citizen, created a credit obligation that I was unaware that he created. Then in XX/XX/2020, XXXXXXXX XXXX XXXX was performed on the XXXX XXXX. Again, my husband created a credit obligation that I was unaware of. My husband set up payments to be deducted from my account. Again, I was not aware of the arrangement made with Care Credit ( Sychrony Bank ). There supposedly was a promotion attached to the arrangement. No interest would be charged if the account was paid in full by a certain date. I was not aware of this arrangement. The first XXXX was paid down to {$130.00} on XX/XX/2020. This was during the period that my husband was XXXX, so he was unable to communicate in a lucid manner with me, his wife. The following XXXX, the bill owed to Sychrony Bank went from {$2800.00} to {$5700.00}. Since my husband told me that the bill had been paid to the XXXX XXXX  I was shocked at the added amount. All of the interest, including on the amount that I had already paid, was added to my bill. Attempts have been made to resolve the claim, but I was told that I would have to allow my account to go delinquent before Sychrony Bank could work out a settlement. Subsequent attempts have been made to settle but I was hung up on after being on the phone holding for over an hour. That was an attempt to run up a legal fee as I was in my attorney 's office for the telephone call. Several calls were attempted while at the attorney 's office, with each call, I was bounced from one agent to another with each saying the other could help deal with this issue. The company has all the documents that I would upload.

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 2022-02-24
Company: Mr. Cooper Group Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Nationstar collected thousands of dollars from me and credited them in the name of my relative XXXX XXXX who obtained a bankruptcy discharge. I was led to believe I would become XXXX  if I did not pay these monies. I have copies of these cashed checks. I was misled to believe I was being given a loan modification. I was asked for private financial XXXX checks, medical records, and tax statements to obtain a loan modification that I did not need nor was Nationstar the owner of. I am requesting a full refund of all payments made and all recorded documents be rescinded immediately and Nationstar cover all fees as a result of their illegal debt collection practices! 

I have a Grant deed that pre-dates Nationstar that is recorded with the county. There is no default on record that pre-dates my deed. All checks written by XXXX XXXX to NationStar I would like refunded directly to me. I was under the notion that I was responsible for my relatives debt due to be ignorance of debt collection laws. Due to this ignorance I have suffered years of vexatious litigation, locked out my home, spent hundreds of thousands of dollars and suffered at the hands of Nationstar Mortgage and their attorneys. 

NEED I REMIND NATIONSTAR THERE IS A BANKRUPTCY INJUNCTION IN PLACE PROTECTING XXXX XXXX. SEE ATTACHED BELOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chase bank deducted the amount of {$240.00} from my personal checking account on XX/XX/XXXX after I withdrew my claim. I was told the merchant would receive the funds no later than 45 days from the date of XX/XX/XXXX. I had frequent communication with the merchant checking in on this status. I called Chase many times and on XX/XX/XXXX ( after the merchant informed me they still have not received the funds ), Chase Claims Department informed me that they did not release the funds until XX/XX/XXXX and it would take up to 30 days for the merchant to receive it, but no later than XX/XX/XXXX. I called the merchant on XX/XX/XXXX to follow up but they have not received it, again. I was told by Chase Claims Dept. to make an appt with my local branch so get a copy of the letter stating of when the funds were released ( XX/XX/XXXX ) and its transaction number so I could present to the merchant proof of funds deducted from my account and fund released. Today I spent nearly XXXX hrs and XXXX minutes at my local branch, in which I was on the phone for XXXX hour with Chase Claim Dept., since the branch bank had no idea what letter I was referred to nor do they have access to any letter regarding this issue. Chase bank repeatedly failed to resolve this issue since the very beginning, I even asked in XX/XX/XXXX to resolve the issue by just returning my money to me so I may directly pay the merchant, Chase declined me of any resolutions. Chase can not and will not help me resolve this issue. It has been XXXX months, leaving me with Chase taking my money and the merchant still unpaid. It is extremely distressing for me since Ive been a long time customer with Chase and utterly disappointed in how they handled this matter or lack thereof. I have been a repeatedly loyal customer with the merchant and this matter has created tension between the merchant and I since they still do not have the money, jeopardizing customer business relation. I am extremely disappointed and utterly disgusted on how Chase has handled this matter. Customer service is horrendous. Please help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
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:
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 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 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 2022-11-18
Company: Experian Information Solutions Inc.
State: MS
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-13
Company: Windham Equity Company
State: CT
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 bought a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX my car have been giving issues. I took it to XXXX XXXX  for them to check what was giving the issue and they told me I will need an update tcm mod, but the part been on backorder for the past 9 months now. They also told me I need the change both of the actuator which I did, and that the car was having an oil leakage to I took it to my mechanic and thought that wouldve help but the mechanic realized the leakage was coming frm the transmission. So I took the car to the transmission shop and they told me in order to fix it I will have to pay over XXXX. I tried calling the dealership and they kept telling me the person that sold me the car isnt in until a certain time when I call back they kept telling me the person isnt in as yet. At this point idk what to do. Not the car is in my drive way parked because it wouldnt start. Im here paying XXXX a mth to the finance company and XXXX for my car insurance while Im taking XXXX to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023, I attempted to use the XXXX XXXX XXXX XXXX XXXX XXXX XXXX., to obtain {$60.00}, using my Chime Checking Debit Card. I went through the screen process of selecting which account I wanted the money from and how much money I wanted. After that my card was returned card and I immediately got a notification on my phone from Chime that {$63.00} had been deducted from my account but then a message came up on the screen that no cash was available. I immediately take my cell phone out take a picture and try and wait to see if anything else will happen and nothing does, so I drive off. I was going to call XXXX XXXX on XX/XX/XXXX later on that morning but saw that the transaction was pending. I decided to wait thinking, just maybe the money would be reversed once they realized the error when they went to put money in the machine, etc. XX/XX/, the {$63.00} was posted to my account ( along with {$2.00} Chime atm fee ). So I called XXXX XXXX and they told me to go to the local branch. I went to the local branch where the drive-through is located and was informed by employee XXXX XXXX that they do not service the drive through atm and she gave me a card with a number to call. She also informed me that in the near future, it is best to use the walk-up ATM, so if that happens, I can easily have my money returned. When I called the number provided I was informed that they could not help me because I do have a XXXX XXXX account and that I would have to go through Chime. I have file a dispute with Chime on XX/XX/ only to be told on XX/XX/ that it was denied and they have provided me with no single proof or evidence that have been in contact with XXXX XXXX. My case has been so called been reopened, but I know this is all talk, because when the representative told me if I had anything else to upload to help my case, I told her how can I do this, if within the app it still says CLOSED. She was like, it's still open if you call, and I would have to call and they would have to send a link so I can upload proof, which sounds like more no sense. I even spoke with Chime Dispute supervisors on a couple of occasions, if you truly talked to XXXX XXXX, all you had to do was ask for a picture of me receiving cash like they so-called claim ( which they will not be able to ). It's that simple, the atms has cameras for a purpose. I have filed disputes in the past with Chime and luckily for me, going through the merchant was the ONLY WAY I GOT MY MONEY BACK. In this case, I can not go through XXXX XXXX because they are telling me to go through Chime and Chime is DOING NOTHING!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
Collection and charge offs keep coming back with different collector names. Original debts have been on my file more than 7 years already and keep appearing as new debt. This is violating my FCRA. I immediately demand them removed from all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In XX/XX/2020, I submitted disputes online with equifax, along with uploading documentation, as to the inaccurate Date of Birth being reported. Upon every attempt, Equifax immediately closed the dispute stating the incorrect information was in fact verified as correct, and NO changes would be made. I have had several attempts blocked from dispute, stating I had to have a different reason to dispute the same information before they would " investigate '' further. I have suffered severe hits to my credit, as well as unidentified charges to this day that can not be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions 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:
Based upon a previous relationship the request was made to delete the XXXX account on my credit report off due to it being unauthorized. This account should be removed asap.

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 2023-07-08
Company: Exeter Finance Corp.
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2019 I made a consumer credit transaction with auto dealership XXXX XXXX I received a finance charge of {$74000.00} and amount finance {$9600.00} I was Financed through company by the name Exeter finance. According to the Truth in Lending pursuant to 15 USC 1605 determination of the finance charged Except as otherwise provided in this section the amount of the finance charge in connection with any consumer credit transaction SHALL be determined the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. XXXX XXXXExeter Finance made me pay {$1000.00} for a downpayment. The Finance Charge is the sum of all charges their wasn't supposed to be a cash downpayment. The finance charge also includes my insurance pursuant to 15 USC 1605 The finance charge is the sum of all charges and also includes premium ( insurance ) XXXX XXXXExeter Finance made me get my own insurance. Pursuant 15 USC 1635 The Right of Recession disclosure was not disclosed nor in the agreement. Pursuant 15 USC 1601 Congressional and declaration of purpose. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. XXXX XXXX /Exeter Finance are in violation of the Truth and Lending Act by willfully and knowingly not disclosing this information and i hold them liable for not disclosing this information to pursuant to 15 USC 1611 and pursuant to 15 USC ! 640 I have exhibits showing their noncompliance in the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Male called me from ( XXXX ) XXXX and took approx 10 seconds to respond to me saying " hello. '' He said he was calling from " Navient. '' I asked if he auto dialed my cell phone and he said " yes. '' I advised him he did not have permission to auto dial my cell phone. He then acknowledged he was looking for XXXX XXXX about his student loans. I advised him he hadn't authenticated me and just gave out personal information. 
I then asked if he was in XXXX XXXX as his caller id indicated and he stated he was not. I accused him of violating the FDCPA and eventually he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-16
Company: Eagle Financial Services, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
They are trying to charge me more than what my realtor printed out and show me how much they closed and sold my account now trying to charge me and hit my job

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: OH
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: Investigation took more than 30 days

Complaint:
credit Bueuar is not holding up to regulations

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 2023-10-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following Hard inquiries are in my credit report due to Identity Theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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