BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX, has violated my rights. XXXX XXXX Account # XXXX, Has violated my rights. 15 U.S.C 1681 section 602 ( A ) states That I have a right to privacy 15 U.S.C 1681 Section 604 ( A ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 ( C ) ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any 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. 15 U.S.C 1681 s-2 ( 9 ) A person whose primary business is providing medical services, products, or devices, or the persons agent or assignee, who furnishes information to a consumer reporting agency on a consumer shall be considered a medical information furnisher for purposes of this subchapter, and shall notify the agency of such status. I also have provided proof that shows I had auto insurance with a total different company than what XXXX XXXX XXXX reports.

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 2023-01-27
Company: Thaxton Investment Corporation
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
XX/XX/XXXX in the amount of XXXX dollars owed to heights finance I have asked on multiple occasions for later pay date when I actually be to able to make payments of XXXX the date that was given to company but yet Im constantly seeing that my credit score has fallen after I have made 5 other payments. 

XXXX XXXX XX/XX/XXXX the amount of XXXX I have requested a pay off date when I can actually pay in full the declined as they interest will go up daily after the fact I have been trying to work things out to get it paid and was noted in the contract XXXX XXXX XXXX IN THE amount of XXXX financed vehicle XXXX XXXX XXXX I have been making on time payments yet make credit score has not been boosted for making the payments on time they told me it will when I first purchased back in XX/XX/XXXX yet my credit has not been moved at all as theyre not reporting to the bureaus I suppose

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I used my credit card at a gas station on XX/XX/2019 to fill up my car. I must have dropped my credit card on the ground, resulting in someone finding it and using at that gas station for a {$15.00} purchase. Additionally, they then decided to use my credit card at XXXX across the street and made a purchase of {$400.00}. 

I noticed this via text alerts about 20 minutes later and immediately froze my card and contacted Capital One to let them know that a fraudulent transaction occurred and I had lost my card after checking my wallet. While talking to a representative, I said something along the lines of, " Should I contact the police ''? They quickly dismissed that and told me not to worry, as their fraud department will be diligent in acquiring evidence. 

Days later, I received a credit back to my account for the {$400.00} and they told me that an investigation is in process. On XX/XX/2019 I discovered that they reissued the charge of {$400.00} to my account and I called customer service to get to the bottom of it. They told me that after investigation, they did not find any fraudulent activity, so they would not give my credit back for the purchase I did not make, even though on the website, it says customers have zero liability for any fraudulent transactions. 

I feel as though Capital One did not dilligently research the fraudulent activity, as I was swift to take action and report the crime. Additionally, they specifically told me not to contact authorities, which after talking to many people, it seems unethical. I am now forced to file a police report so that they can prove that there was, in fact, fraudulent activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-03
Company: Self Financial 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: Account information incorrect

Complaint:
I have reached out multiple times trying to get the late payments on my account corrected this account is showing a late payment of 30 days which is inaccurate and by Law illegally being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: Atlanticus Services Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/19 I received a pre-approved credit card offer in the mail from Aspire Mastercard ( Acceptance Code : XXXX ). I completed the acceptance application online the same date, but when I saw that this company charges over {$200.00} per year in in annual and maintenance fees, I immediately called Aspire minutes after completing the application on XX/XX/19 ( XXXX ), spoke to XXXX XXXX ( ID # XXXX ) and requested that my application be cancelled. XXXX XXXX informed me that she processed the cancellation of my application, that it would not affect my credit, and that I had to call Customer Service ( XXXX ) after XX/XX/19 to confirm the cancellation on their end. On XX/XX/19 @ XXXX EST, I called Aspire Customer Service XXXX spoke to XXXX , who staetd that she did not see where the application had been cancelled. XXXX put me hold several times, initially stated that the account would be closed, then when I asked why would this be processed as a closed account when I requested that my application be cancelled on the very same day, and an account was never opened, she placed me on hold several times, and gave conflicting information on whether the application would be cancelled. XXXX stated that she was submitting a " request '' and that I would receive a letter in the mail in 7-10 business days. When I asked about this application not having a negative report on my credit, such as a cancelled credit card, she said that she would put in a request that would take 60-90 days, but it was not guaranteed. There was a clear language barrier with XXXX, when I asked where she was located she initially lied and said XXXX, Ga, then said they were located off-shore, and did not have access to transfer me to someone in the United States. I asked to speak to a Supervisor, spoke to XXXX ( ID # XXXX XXXX, who stated that he will request to stop creation of account, and to disregard application, and will send special request not to send negative report to credit bureaus. He agreed that I was correct that the account has not yet been created. XXXX also stated that he could not guarantee that any of this will happened. When I asked if he could escalate this request, he said that account is automatically created within 2 business days, but he could not guarantee that he would contact the proper department to stop the account from being cancelled tomorrow, Monday, XX/XX/19, prior to it being created on Tuesday, XX/XX/19. XXXX, a supervisor, stated that he does not have authority to escalate issues. I also asked that he contact his manager to intervene and have application cancelled. I do not want this company to be able to place a negative report of a closed credit card account on my credit report as I never had an open account with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
It is a new season and the time for people that are in low to moderate debt like myself to fix their reports are now. Within the past year my accounts have been overcharged, froze, added monthly fees for an example reporting that I owe twice in one month and dont ( XXXX XXXX refusing to accept payments ( Capital one ). 
My history of credit isnt too good. Lets take a look into why Im authorized XXXX credit cards without XXXX benefits/limits. For over 15 years only authorizing {$200.00} credit limits with several companies. I have often thought am I case for a loan shark? Or is it credit agencies stopping me as soon as they lend me the credit also considering is the healthcare provider Im using targeting my personal welfare. 
Nothing is clear about the lengthy process in history of wanting Excellent credit but only rated poor. Thats not fair. Today I owe {$24.00} to Capital One they will not accept my payment. XXXX has falsely reported XXXX late payments and I dont owe. 
How can I get assistance with small businesses passing my information from desk to desk. 
I want good credit and I want it Now. 
Your so kind for properly handling my case today. 
*Please note I am U.S. citizen not an Alien. * Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My mom died in 2004. My so called Sister in law pays me in a check for what? I do not know! The bank placed a hold on it. I need to get a copy of that check and determine what I was actually given from bank. I think XXXX XXXX write a check from her old XXXX account and burned me for the rest. She really XXXX XXXX the estate of my late parents. I am going to call bank and go down there to get copies. It still haunts me. I feel I got XXXX XXXX of Life Estate transaction after death occurred. I should have got a POD

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 2023-05-12
Company: Paramount GR Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
When I received a payoff amount from GoodLeap for my account ( account # XXXX ) I paid the total amount due by the due date, then GoodLeap came back and said I owed another {$42.00}. When I called GoodLeap they stated they forgot to put the {$42.00} in the payoff amount ( some sort of fee ). I asked to speak to a manager on XX/XX/2023 and XXXX ( the manager ) agreed with me that I should not have to pay an additional amount after I already paid the payoff amount and that he would get back to me- XXXX never got back to me. I called on XX/XX/2023 and filed a formal complaint with a different manager XXXX. I have called multiple times since then requesting an update and keep being told that they are working on it and that someone would get back to me. Today ( XX/XX/2023 ) GoodLeap sent me another bill for the {$42.00} via email. 
No one from GoodLeap ever got back to and it has now been over a month. 
I believe that it is EXTREMELY unfair for a financial institution to give someone a payoff amount, then request more money. 
Thank you for your help, XXXX XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: WELLS FARGO & COMPANY
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I hate that I have money in my account and when they say overdraft fee they over charge and been taking a lot of my money.

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 2022-06-16
Company: CITIBANK, N.A.
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
2 Remaining Negative Accounts. 

Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : 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 2022-12-29
Company: Media Collections, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I originally rented a car thru XXXX XXXX XXXX Co in XXXX, XXXX  from XXXX the original agreement was for {$1100.00}. Upon my arrival I found that my rental agreement was " sold '' to XXXX XXXX car without my knowledge or agreement, I was charged an additional {$710.00} for the exact same rental and timeframe ( Total {$1800.00} ). Upon my return, I disputed the amount thru my credit card company ( USAA ) who conducted an investigation and found I was responsible for the additional {$710.00}. XXXX then credited back the difference. Since final adjudication, I have been sent threatening letters, emails, and harassingly phone calls from XXXX to pay the difference. I attempted to resolve this on multiple occasions both with XXXX and XXXX credit card services with no success. I recently received a debt collector notice from XXXX XXXX XXXX, XXXX XXXX, XXXX, and Creed ( Twinsburg, OH ) once again trying to collect the difference. ( NOTE : They reference XXXX not XXXX in their notice. ) I contacted the debt collector on XX/XX/2022 and was met with extreme unprofessionalism, harassingly, and threatening responses when I tried to explain the situation and resolve the dispute. The case # XXXX ( XXXX case number ), and reference # XXXX ( XXXX Collector )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-30
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/2021 I placed an order on XXXX for {$1100.00} and upon delivery days later my order never showed up, on the tracking information from XXXX it showed that the scheduled delivery is unavailable due to the package being lost in transit and XXXX acknowledged that the package was lost. I filed a dispute with Chime and I feel I wasnt being treated fairly because they denied my dispute and closed my case. I feel they did not care to help me, until this day I still never received my package and this package was supposed to be a XXXX gift for my son. I receive social security income and receive only {$840.00} a month and worked very, very hard to save this money. Losing {$1100.00} is a big deal and Im extremely saddened and disappointed by the resolution my bank provided me. I reached out to the merchant at XXXX and showed him a screenshot of the tracking info and asked if he can help me with a replacement or a refund and the merchant ignored me and never messaged me back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I am filing a complaint again with the CFPB as I have not received any resolution from all 3 credit bureaus. I started this process on XX/XX/2021 and now I get letter asking for confirmation of my identity. I have provided it back then and now I am providing this again through the CFPB. Please act on all my disputes. I believe this is just another delay tactic.

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 2022-12-29
Company: Veros Credit, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/XXXX my check had begun being garnished by Vero 's credit. I reached out to this company multiple times for the lack of the accurate reporting on my credit report when the balance I have for this company is only {$880.00}, the company has informed me over the phone that the debt will continue to grow interest but going back to my paystubs no interest had been added until my last check dated XX/XX/XXXX. Further more, the company claims that I owe them still {$1000.00} which is inaccurate. The company list this account as a collection but the IRS defines collections as taxable income. therefore, this information shall not be furnished on my account. due to inaccurate reporting and trying to add fees not included in the paperwork this should be deleted from my consumer report. IMMEDIATELY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: WI
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:
XXXX had a XXXX XXXX a few years Back. My credit went from building up my score with a XXXX XXXX XXXX  account. To XXXX XXXX XXXX XXXX XXXX credit cards taken out in my name. I dispute the inaccurate information on my reports.everything was going good until XXXX got hacked and a bunch of us got hacke d and now my credit is back to XXXXXXXX XXXX 
XXXX needs to fix all of this instead of just giving me XXXX on a claim.

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 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/202 202

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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute a hard inquiry that appeared on my credit report. According to my credit report, a hard inquiry was made on XXXX/XXXX/2022 by XXXX XXXX XXXX. However, I do not recall authorizing this inquiry, nor have I had any dealings with this company. 

I am requesting that this inquiry be removed from my credit report, as it is negatively impacting my credit score. I have attached a copy of my credit report for your reference, highlighting the inquiry in question. 

As you may know, hard inquiries can have a negative impact on credit scores, and I am concerned that this inquiry may harm my creditworthiness. I have taken great care to ensure that my credit report is accurate and up to date, and I would appreciate your assistance in resolving this matter. 

Please investigate this inquiry and remove it from my credit report if it was made in error. This inquiry was not authorized by me, I request that you take appropriate action against the company that made the inquiry.

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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Can you delete these accounts because they are negative and are not mine? 
XXXX XXXX XXXX XXXX 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 2022-12-29
Company: Experian Information Solutions Inc.
State: SC
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:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a XXXX  party nor was it filed in error. 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