BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-20
Company: OneMain Finance Corporation
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
In XXXX of XXXX I began making larger payments on my account. When you make payments in the app, no receipt of the payment is generated. XX/XX/XXXX payment was {$67.00} over, XX/XX/XXXX payment was {$380.00} over, XX/XX/XXXX payment was {$410.00} over, XX/XX/XXXX payment was {$410.00} over - for a net of {$1200.00}. In XXXX I first noticed that my statement balance was not moving down as it should. I called to complain on XX/XX/XXXX, and was told that OMF would adjust the payments for me. I also asked for a receipt for payment. Which I was told I should receive after each payment - ( those receipts only tell the total payment amount, NOT how the payments were applied to your account ). I never received the receipt with the breakout of the payments. 

Again today, I called OMF to ask why the payments have not been adjusted, and I was told that corporate denied the request the week after I called. No one contacted me about it! I asked could I receive a transcript of the conversation with the first agent, and the notes, I was told no. 

My complaint is that OMF is engaging in predatory lending by : 1 ) encouraging use of their application to make payments and then " hiding '' the payment breakouts ( screenshot of the payment screen included ) 2 ) Not providing immediate full accounting of payment related activities by way of an emailed, and/or mailed receipt 3 ) Providing inaccurate information ( agent promised adjustment and corporate denied ), then not following up with the customer by call and email 4 ) refusing to furnish the detail of conversations about customers own account - the agents begin each conversation with the announcement that the call is being recorded. The recording of that call should be for the consumers benefit not just the lenders. 
5 ) Interest is a timed based element of financing, for every month that I made an overpayment, even if not applied to the principal, the interest should decrease based on the early payment of the next months amount due- which didn't happen either. 

The chosen method of accounting for an overpayment is to the advantage of OMF and not the consumer. The consumer should be made aware of what their options are at the time of payment, and/or the over amount should default to decrease the principal balance ( thereby decreasing the overall interest due ). OMF provides services at the very high end of financing rates, greater than 20 % - my own is 24.9 %. I entered into this engagement because I was a business owner struggling through the pandemic and had no other option.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Telsa Motors Inc
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Tesla company provided extremely high pressure time frame and I was unable to shop for auto loan. Sales rep called over phone and provided high interest loan but was able to discount 2.25 % and asked if rates ok. I asked to see financial document but he said he accepted on my behalf. I still havent seen my loan document nor agreed to loan or signed. I feel Im not alone and plenty others are going through same. How can a bank give me loan without my approval or consent or signature. This is highly irregular. Please investigate the practice. Consumers are held with threat of order cancellations after waiting for over 7-9 months.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX calling random people I may be affiliated with.

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 2023-09-22
Company: Experian Information Solutions Inc.
State: MI
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:
Account were not verified with thorough investigation. I have not received verifications.

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 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2023-07-14
Company: EQUIFAX, INC.
State: NV
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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense XXXX XXXX XXXX  I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I sent out multiple of disputes several times, explaining to the credit reporting agencies that they are violating FCRA laws and not doing their job with my disputes. 

Please have them remove this negative accounts immediately, ACCORDING TO FCRA everything has to 100 accurate on my credit report. 

15 USC 1681 section 604 : consumer agencies can not furnish any account without my written instructions ( wet signature. )

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 2019-09-18
Company: Experian Information Solutions Inc.
State: OH
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:
In XX/XX/2019, I sent Experian a request to delete an inaccurate account on my credit report. I sent screenshots showing that is reporting differently to each of the 3 bureaus. In XX/XX/2019, they sent back a response that they updated the account. However, the account was still reporting differently than the other bureaus. 

In XX/XX/2019, I sent another letter, again with screenshots included of the inaccurate reporting. In XX/XX/2019, they sent another response again saying that the account was updated. My frustration is as follows : 1. How is each bureau properly investigating if they are all reporting differently?

2. How can Experian report that I was 60 days past due, but the prior month, I have a payment status of " OK ''. How can I be 60 days past due when I wasn't 30 days past due the month prior.

3. How can an account be charged off if is not 180 days past due? The 2 months prior to the charge off status, Experian is reporting " OK '' for payment status.

4. Why do they have no data for XX/XX/2019?

5. In the account history, the Actual payment for XX/XX/2019 shows {$100.00}, but they are reporting my recent payment as {$40.00}. 

6. My high balance was never {$740.00} There are several things wrong with the reporting of this account and Experian not only failed to do a proper investigation, but also violated my rights by not deleting this account.

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 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 writing to formally complain about my persistent and unsuccessful attempts to correct inaccurate reporting regarding a late closed account on my credit report. Despite numerous efforts, this error has not been resolved, and it continues to negatively impact my credit profile. 

The issue at hand pertains to the reporting of a late closed account on my credit report, which is inaccurate. I have taken the following actions to address this matter : I initially became aware of the inaccurate late closed account on my credit report when I reviewed my credit report. 

I contacted your bureau to dispute the accuracy of this account and requested its removal or correction. I provided all the necessary supporting documents and explanations to support my dispute. 

Subsequently, I followed up to inquire about the status of my dispute and request updates on the investigation. 

Despite my repeated efforts, the inaccurate late closed account remains on my credit report, adversely affecting my creditworthiness. 

The Fair Credit Reporting Act ( FCRA ) requires accurate reporting of consumer credit information. It is essential that my credit report reflects my financial history accurately and does not contain any inaccuracies that could harm my financial standing. 

I kindly request that you investigate and resolve this issue immediately by removing the inaccurate late closed account from my credit report. The prompt resolution of this matter is crucial for my financial well-being. Failure to address this issue within the specified time frame may compel me to escalate my complaint to regulatory authorities and seek legal remedies. 

Enclosed with this letter are copies of the relevant documents, including my credit report with the inaccurate information highlighted and proof of previous dispute attempts and communications. This late closed account should be removed by the credit bureaus : XXXX XXXX Balance Owed : {$0.00}.

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 2023-01-16
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed my chime account. A balance of {$1500.00} remains. They will only send me a check to my old address and not allow me to update my address. The check is then returned to chime " do not forward is on the envolope ''. So i can not have my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent account and inquirie listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I XXXX XXXX on XX/XX/XXXX, I walked into XXXX XXXX and purchased a radio to be installed into my XXXX XXXX. During the process of purchasing the radio I was told I needed to pay for the product before it could be installed, so I prepaid {$730.00} for a radio and was told I will received a call once the product come into the store. After two weeks I did not receieved a call to come get my radio installed and decided to call the merchant to see what was going on. The I left two messages in which the merchnt never called me back so I decided to dispute the amount with my bank ( Bank of America ). I disputed the transactio with BofA in which it took over 90 days to get a respond so in the meanwhile I called the merchant to try to get my money return, in which the owner XXXX stated the guy who serviced me is no longer employed and was terminated due to loss of product from his company. I tried to explained to him I purchased a radio and did not get it installed and he say " I do not know if you did or not ''. So after finally awaiting a reponse from my bank he sent Mastercard a stated saying he mailed the product to my home in which he did not. So I made a rebutal with BofA and during the process of the rebutal he told Mastercard he will install the product in which he has not as of today. Also I would like to mention due to the mutliple transaction of dispute a timeline of returning my money has expired and now I am out of a radio, installation charged and time. I am a cosumer who was fooled out of {$730.00} for a radio installation from a non XXXX owner. I tried to persue XXXX in which he is not accredited shop and nothing can be done. The name of the store is XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. The owner is XXXX XXXX. XXXX claim # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Experian Information Solutions 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 status incorrect

Complaint:
After purchasing a XXXX XXXX XXXX XXXX # XXXX, from XXXX XXXX many problems started to accrue with the braking system and noises coming from the back end of the vehicle. I called to have the vehicle inspected/serviced on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I would have to drop the vehicle off at the XXXX Service Dept. for at least a day or two, meanwhile try to find another form of transportation because XXXX would not give me a loaner car. XXXX serviced the vehicle, but it never fixed the problem as there were still noises, etc. After dropping the vehicle off for an inspection on XX/XX/XXXX XXXX said they would replace the brakes but that they did not have them in stock, would have to order them, and it would take XXXX months for them to come in due to being on backorder ( I found out in XXXX of XXXX that the breaks were never ordered as XXXX " forgot '' to place the order for them ). 
I sent XXXX XXXX a certified letter on XX/XX/XXXX notifying them that I was refusing to pay for the vehicle until it was fixed and drivable. 
I opened a Lemon Law suite case on XX/XX/XXXX Case # : XXXX asking for a 'request for repurchase ', XXXX XXXX my case manager who did absolutely no investigation and made the decision to deny my suite within seven days ( I have all the communication emails between XXXX and I if needed ). 
I then appealed the Lemon suite decision to the NCDS on XX/XX/XXXX Case # : XXXX, which I was also denied a repurchase on XX/XX/XXXX. 
I have sent complaints about this account to the Attorney General 's office ( XX/XX/XXXX File # : XXXX ), theXX/XX/XXXX ( XX/XX/XXXX ) , and the Federal Trade Commission ( XX/XX/XXXX File XXXX XXXX XXXX ) ; both theXX/XX/XXXX and FTC never received responses back from XXXX. 
I've called XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX asking them to come reprocess the vehicle with no response back from them.

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 2022-07-09
Company: EQUIFAX, 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 status incorrect

Complaint:
After purchasing a XXXX XXXX XXXX XXXX # XXXX, from XXXX XXXX many problems started to accrue with the braking system and noises coming from the back end of the vehicle. I called to have the vehicle inspected/serviced on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I would have to drop the vehicle off at the XXXXXXXX  Service Dept. for at least a day or two, meanwhile try to find another form of transportation because XXXX would not give me a loaner car. XXXX serviced the vehicle, but it never fixed the problem as there were still noises, etc. After dropping the vehicle off for an inspection on XX/XX/XXXX XXXX said they would replace the brakes but that they did not have them in stock, would have to order them, and it would take six months for them to come in due to being on backorder ( I found out in XXXX of XXXX that the breaks were never ordered as XXXX " forgot '' to place the order for them ). 
I sent XXXX XXXX a certified letter on XX/XX/XXXX notifying them that I was refusing to pay for the vehicle until it was fixed and drivable. 
I opened a Lemon Law suite case on XX/XX/XXXX Case # : XXXX asking for a 'request for repurchase ', XXXX XXXX my case manager who did absolutely no investigation and made the decision to deny my suite within seven days ( I have all the communication emails between XXXX and I if needed ). 
I then appealed the Lemon suite decision to the NCDS on XX/XX/XXXX Case # : XXXX, which I was also denied a repurchase on XX/XX/XXXX. 
I have sent complaints about this account to the Attorney General 's office ( XX/XX/XXXX File # : XXXX ), the XXXX XXXX XXXX ( XX/XX/XXXX ) , and the Federal Trade Commission ( XX/XX/XXXX File XXXX XXXX XXXX ) ; both the XXXX and FTC never received responses back from XXXX. 
I've called XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX asking them to come reprocess the vehicle with no response back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: CCS Financial Services, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: EQUIFAX, INC.
State: MI
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation