BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-23
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Monday XX/XX/XXXX I logged onto my chime app on my phone to transfer funds to get gas and my account was logged off and it wanted me to log back in and when I did it wanted to send me a verification code to my phone number so I did. it said that it sent my code to an unknown number I was not aware of ever seeing before. So I had to change my phone number on my account back to my phone number to gain access back to my account ..followed all the prompts and verifications. When I finally got back into my account I noticed that my checking and savings was XXXX $ and all my money from my savings was transferred from my savings to my checking and then sent to an unknown cash app ... when I called chime to make a dispute about the fraudulent activity they said that on Sunday XX/XX/XXXX there was a phone call to them and someone saying they were me and chime gave them my password onto my account ... Wich they were not able to tell me what the phone number or area of the world the phone call was made from ... the caller did not even call from my phone number that was registered to my account... they said they would do an investigation and have an answer within 45 days ... XXXX XX/XX/XXXX they emailed me saying that there investigation led to there not being any error occuring and was not giving my money back... I asked for a copy of the investigation XX/XX/XXXX and have yet to get a copy emailed to me and it is now XX/XX/XXXX. I did also file a police report with the XXXX XXXX police department where I live a few days ago as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Universal AcceptanceXXXXCar XXXX XXXX XXXX XXXX MN the account was closed on XXXX XXXX its XXXX old it should have been dropped off my report, I paid it off in XXXX  it should have been off my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
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 was told that if I paid the debt off they will remove it off of my credit, I paid the debt on XX/XX/XXXX  and it still has not come off of my credit report yet and I was wondering why

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
In XX/XX/2021 I was going through financial troubles and was paying my electric bill and the first time it came in I didnt have enough funds, I know it takes a few days to hit the account so I was trying to buy time so my electric didnt get shut off. It was returned so I tried paying it again with check by phone and I knew I was cutting it close with my direct deposit getting ready to be deposited on the 1st of the month ( every month for 5 yrs at that point ). Well when I check my account it showed the electric bill hit my account and my deposit was like going to hit my account within the next few days. I called and spoke with a customer service representative and explained the situation that my electric was getting ready to be shut off if they kicked this one back. I told him I had been stressing for a few days waiting for it to come in before my direct deposit. He said I should have called then and explain what was going on and he also said the bank was there to help and not hurt me. He then told me it was showing the bank was going to pay it. Well they didnt even though my direct deposit was going into my account within a couple of days as it has been for years. So since they sent it back again my electric company will no longer except checks by phone and put me on cash only payments. Granted I should have had the funds there but he told me it was going to be paid and now Ive been on cash only for a year now with the electric company since that. I was so relieved when he told dont worry they were there to help and not hurt me. I was hysterical crying. Because he told me it was going to be paid I didnt worry about it and I didnt need to make different arrangements I which I would have had I known

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 2023-09-19
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX, Account # XXXX has violated my rights. 
i have already disputed these items with the bureaus but they did not remove them, nor prove validation. 
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

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 2022-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have reached out to Capitol one in reference too some inquiries that are reporting on my credit. When i reached out to them they refused to remove the inquiries which were made on two separate occassions. XX/XX/XXXX and XX/XX/XXXX. There was no need to run my credit again. I already have a Capitol One card. Ive had one over three years. I wanted this investigated and they refused me. I was told to submit identity theft forms. I am not a vivtim of identity theft. The refusal to assist me dropped my credit XXXX points with those two hard inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: CA
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 submitted a letter to the 3 Credit Bureaus XX/XX/ to update/correct this suspicious information. I think you have not validated these accounts and I will pursue legal action against you. This was already included in my prior request, and I'm including it again. 
XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXXXXXX XXXX Balance : {$4100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting XXXX XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: Cascade CISS Holdings, LLC
State: NC
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:
As of XX/XX/2023 i notice when Credit plus XXXX as known as xactus pulled my report they have accounts that isnt showing on my actual report anymore which is considered a violation of bein unfair of reporting falsley information and inaccuracy... however the accounts that they have showing is showing late payments and that is inaccurate fasley information which is a violation under the fcra act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: NJ
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. 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

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 2023-01-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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:
Account number XXXX  has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 15 unc 1681 section 604 a section 2.

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 2023-04-25
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code XXXX 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 non-monetary relief
Consumer complaint received 2022-11-10
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: 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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: Personal information incorrect

Complaint:
Experian has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 according to the FCRA. Experian has also caused me great mental anguish causing severe XXXX because they have not tried to resolve this issue on their end. I have sent an FTC report as well as notified them that XXXX XXXX XXXX XXXX, GA XXXX is an inaccurate address on my credit profile because I have never lived there. They have refused to listen to me or my written statement letting them know that it is a fraudulent address. I do understand that Experian has had a data breach and I have been affected. According to the 15 USC 1681 section 602a I have a right to privacy. This address does not belong on my credit report so please take it off.

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 2023-02-23
Company: Experian Information Solutions Inc.
State: KY
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 am submitting this CFPB complaint to let you know that the information you report are different from each other. There are accounts that you are reporting as late when it is not truly late compared to other Credit Bureaus. When I checked my credit record, I discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts and I need you to have them corrected. ; 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 2022-11-10
Company: Avant Holding Company, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2022 XXXX XXXX XXXX attempted to pay by phone on my " Avant '' XXXX by placing a call prior to the deadline time due. The duration of this call spanned over XXXX minutes and by the time an agent was able to assist me along the way since there was no automated option provided, that " deadline '' then passed. The agent then refused to credit my payment for the correct date, instead citing she can only credit it for the following day which would be XX/XX/XXXX thus placing me into a late status in which she further stated She had no means to waive any ensuing late fee or properly note the account that i had indeed called prior to the deadline in order to ensure any such fee would be taken care of. This was extremely inappropriate as it was not my fault I could not get assisted timely on their end. I then exchanged additional calls and emails since this time in effort to request this late fee be waived which was refused again and again. I do not feel I should be obligated to meet my end of the terms of this card if the provider is not meeting theirs. I informed them I would be in touch with any and all avenues to dispute and grieve this issue and they showed XXXX regard for me as a consumer. I should be immediately relieved of any associated fees, accruing interest, and negative credit remarks that XXXX have transpired in lieu of their negligence. For the record my minimum due payment was just {$25.00} which again I would have been happy to pay as always, however I am not about to pay double that amount when being charged a fee I do not deserve. Nor will I willfully make any further payment to this despicable company, until this matter is resolved. I feel your organization as well as XXXX as their parent provider, and also the XXXX XXXX XXXX  should all be made aware of how this company treats its consumers. Especially when this particular Credit card is designed to so called " assist '' consumers in building/rebuilding their credit portfolios, it is absurd to believe they despite knowing it was no fault of my own they could not process my payment on time, that they are so stubbornly and aggressively attempting to charge me late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX little many Americans my wife and did a forbearance on our home. She had lost XXXX of her jobs and I was not able to work. The whole time we were in forbearance we were told at the end of the Forbearance that there would several options to help us out. Not 1 time was I every told that at the end I would have to pay a lump some amount to retain our home. I was told my wife and I didnt make enough money to support the motifcations. I was told they could possible put the amount hold to the back of the loan or even do a post forbearance, but none of this is done. They arent trying to help at all. Im currently on XXXX and feel like we are now being taking advantage of, because we have a house worth $ XXXX and we owe {$230.00}, easy quick turn around to just foreclose. 


Also, applied for XXXX XXXX XXXX XXXX!! After fighting since XXXX I finally have started receiving my XXXX in XXXX of XXXX. ( {$2600.00} ) now according to my application that I applied for, we were declined because we make {$1100.00} to much. At the time of the forbearance, XXXX, ect I wasnt receiving help! But its not fair to use income I just started receiving, for issues that occurred when I wasnt receiving anything. Its not right. If would have applied in XXXX or XXXX before I received my XXXX we would have been approved! Thats not right! Someone needs to help get this straight! They are going to kick a XXXX father and his family out of their house during the holidays! I can afford to make my parents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
My car loan was taken out in XXXX of XXXX thru XX/XX/XXXX. I believe my interest rate was too high and extra fees were charged over the time I had the loan.It was also difficult to get a refinance and I paid on time. Also I had a courtesy delay twice. Please check that as well because hidden fees may have been charged.

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