BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-31
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I informed this collection company to stop contacting me because I did not owe them a debt. I have never authorized them to contact me or signed anything that I owed them a debt. What they did was contact me at home continuously and interrupt our business operations with repeated calls demanding that someone speak to them. At this point I have informed them to stop calling but the continue. Moreover, I have never given them my personal information of which they are in possession of. They are fully aware that they are violating Federal laws but they do not care!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company ( Select Portfolio Servicing , Inc ) wrongfully put forced placed insurance on the property when there was an active policy. They were well aware that the property had an active insurance policy. 

After months of attempts to get them to remove it they finally did but refused to remove the charge on escrow. We have had a lawyer hired to resolve this matter but they refuse to remove it. ( {$7500.00} XXXX We had notified them months ago that we wished to pay off the loan and unfortunately we have had to pay interest for these months due to the delay caused by these improper charges. ( 6 months ) We filed a CFPB complaint ( XXXX ) and they responded giving incorrect/false information stating that the XXXX policy lapsed in XX/XX/XXXX when in in fact there was an active policy until XX/XX/XXXX and a new policy active right when that policy expired with no Lapse. ( please see attached insurance dec pages for XXXX & XXXX. ) We, Our lawyer and insurance agent have provided both policies to the Lender multiple times. The Attorney send multiple letters and communications to the Mortgage company. Now I've been forced to file a second complaint because they gave incorrect/false information to the CFPB when the policies clear show there is not lapse in coverage. 

I am attached the declaration pages to show that there was not lapse in insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: U.S. BANCORP
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I've been getting a late charge fee for making payments late. My payment is due on the XXXX of each month and I've been making my payment in the beginning of the month. For the month of XXXX, XXXX and now XXXX, I got charged a late fee when I made payments on time. XXXX payment was made on XXXX for {$60.00} and I got charged a late fee of {$30.00}. XXXX payment was made on XXXX for {$60.00} and I got charged a late fee of {$41.00}. I was chatting with customer service to waive the fee for XXXX which they waived. I asked why they charged me when I made a payment on time so they waived the fee. Come XXXX I made the payment on time and I got charged a ate fee of {$41.00}. Come XXXX, now I owe {$130.00} ( {$30.00} late fee for XXXX, {$41.00} late fee for XXXX, plus the minimum payment of {$61.00} which equates to {$130.00} due for XXXX ). When I was chatting to waive the first fee of {$30.00}, I asked if i will be having the same issue for next month and he said no. Then it happened again. I should have never been charged a late fee when I made the payment in the beginning of the month. Customer service told me I got charged a late fee because of when the statement was issued. I bever had an issue with any other cards but this. They said since I made a payment early this is what caused the problem. I don't agree with them because they are making me pay these late fees when I paid my monthly payment on time. If I knew I had to pay my monthly payment on a certain day of the month, then I would never post payment early as i wouldn't want to get charged these late fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the fair credit reporting act, this credit reporting agency TRANSUNION LLC. and the creditor XXXX XXXX has violated my rights, under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account with out my written instruction. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. XXXX XXXX Acct : XXXX Date : XX/XX/22

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 2023-06-29
Company: EQUIFAX, INC.
State: DC
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 two of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Chime Financial Inc
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I had went to the gas station in my town at approximately XXXX at night. When I went to make my purchase my card was denied. I was very confused as I had just gotten paid that day so I should have had plenty of funds. When I got home I signed into my Chime bank account and saw that there was a transfer from my savings account of {$66.00} and from my secondary checking account for {$240.00} both put into my primary checking account and then a withdrawal of {$1400.00} transfered from my account to a gmail account. The funds were then reversed and then a second transfer was made for the same amount to a XXXX account. I immediately called Chime, as I did not make or authorize this transfer and filed a dispute they told me they would email me as soon as they came to a determination. I called them through out that week, then had to wait through the holiday weekend. When I called them again on XX/XX/XXXX they told me that the dispute was closed and denied. I then opened a rebuttal to my dispute, they told me to send in a written statement and the police report I had filed and any other supporting details. I emailed them the statement, the report, and a screenshot of the transfer taking place in my account. I then waited again and called each day again and today I got an email saying they were not changing their decision and closed it again. When I asked why they said they received no new information and could email me the documentions they had but it would take up to 10 days. When I asked to be given the information over the phone they said they could not provide that information over the phone nor could I speak to anyone who could. They told me that I could open another rebuttal if I had new information however I kept explaining that they have all the information that I have. My card was not taken or skimmed, my actual account was hacked into. I have sent Chime everything that I have and continue to say that I have not provided anything new and that no errors have been made. The hacker took everything in all of my accounts, Chime will not provide a provisional credit to help me pay my bills or admit that anything happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
For the last 6 months transunion has been raising and lowering my score every week most of time will go up XXXX point then down XXXX to XXXX no reason for this have never missed payment. Also received another credit card and score goes down not up never used card. 
I have xalked then they give me a runaround please help this my score should be over XXXX instead getting closer to XXXX again.

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 2023-05-25
Company: Resurgent Capital Services L.P.
State: MD
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:
Hello, I made a settlement on XX/XX/XXXX with collection agency LNVN funding. They agreed to delete off report after paying balance. The account still say open after its been settled. I dispute it on XXXX XXXX 4 times. Each time the status came back as verified accurate but there has been no change. I reached out to collection agency LNVN and they verified it was paid off and apologized and said they did not report it to the creditor XXXX XXXX when it was paid off initially. They said they will let them know and it will be removed. Its still showing up as open although its been paid and disputed. 

I attached photos of the payment being received and confirmed. A photo of my disputes to XXXX XXXX  and photo of the current status

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: WELLS FARGO & COMPANY
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Hello, We are part of the Wellsfargo class action settlement ; however, we are getting the run-around in a major way. 
In the fall ( XXXX ), we received a pre-settlement check ( twice ) for this class action that we DID NOT cash. We DID NOT accept the settlement amount. 
We have contracted Wellsfargo by phone and by email, and every time we are told that our inquiry is invalid, either because the lawsuit is for a specific issue, like them opening an account we didn't authorize, or that the lawsuit is closed and therefore we would not be included.

At this point, we feel that Wellsfargo is stalling and providing false information on purpose, and we are being stonewalled.

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 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
TRANSUNION, XXXX, AND XXXX  ARE FULLY ENGAGED IN XXXX FRAUD AND MISINFORMATION CAMPAIGN AGAINST XXXX XXXX  AND ALL USA MINORITIES. XXXX  XXXX XXXX PURCHASED A CREDIT CARD ACCOUNT FROM XXXX  XXXX. XXXX IS REPORTING THE DATE OF PURCHASE AS THE DATE OPENED. THE ACCOUNT DATE AND STATUS DOES NOT CHANGE WITH PURCHASED ACCOUNTS. THE ACCOUNT WAS REPORTED BY XXXX  XXXX DATE OF FIRST DELINQUENCY AS XX/XX/XXXX. XXXX IS REPORTING THE DATE OPENED AS DATE PURCHASED XXXX, XXXX. XXXX IS ALSO REPORTING A CLOSED ACCOUNT BY MARYLAND STATE LAW OVER 3 YEARS OLD MUST BE REPORTED AS CLOSED BECAUSE THERE IS NO LEGAL OR LAWFUL REMEDY TO RECOOP DISPUTED MONETARY ACCOUNTS. TRANSUNION, XXXX  AND XXXX  ARE KNOWNL PURPOSELY REPORTING FALSE AND MISLEADING INFORMATION TO INJURY MY CREDIT RATING FOR WHICH I WILL SEEK DAMAGES.

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 2020-09-23
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
There are fraudulent accounts and inquiries on my report as this is impacting me on a daily basis. As I seen on the internet and the laws state that all information on credit report must be 100 % accurate. Please fully investigate these accounts and remove from my credit report due to unauthorized information that is being reported inaccurately. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX XXXX  disputed accuracy XXXX times and advised these accounts were in bankruptcy but you refuse to made them correct

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 2019-08-25
Company: Santander Consumer USA Holdings Inc.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I finance a XXXX XXXX XXXX from XXXX through Santander. I had payments of {$390.00} for 81 months. For a total of $ {$15000.00}. How does this calculate? The repossesses the car twice and I had to pay double the payment to get the car of storage, the towing fee, plus the amount I owed. They then offered to skip a payment but ended up costing me more with additional fees and more months added. I called and asked for the rest of the payment to be forgiven after I got my XXXX and I was denied., Instead late charged were added and now I owe almost half of the original cost.. {$8000.00}, I would like them to forgive my loan due to my XXXX XXXX, report paid in full to the credit agencies and send me the title of the car Account Opened XX/XX/XXXX ( 6 yrs, 10 mos. )  Term 81 months ( 6 years ) Term My last payment was in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Please review the XXXX signed document requesting the deletion of derogatory/delinquent account. I have been disputing this account for over a year and the bureaus are not taking action to delete the account asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a checking account in XX/XX/XXXX. It was part of a promotion. If conditions were met, which were a certain amount of deposits and withdrawals, I would receive XXXX bonus miles on XXXX XXXX within 30 days of completing the requirements of the promotion. I did so on XX/XX/XXXX and I have yet to receive the miles. 

My husband opened a checking account as well on XXXX. He met the requirements on XX/XX/XXXX and he has also not received the bonus miles. 

In the terms and conditions of the promotion, it states clearly in bold face that the miles would be credited within 30 days of meeting the requirements. The bank has been stonewalling me for almost 2 months. I was going to use these miles for a vacation in XXXX, which now is highly unlikely. 
I would think this is considered Fraudulent!!

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 2020-11-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On or about XX/XX/2020, I refinanced an auto loan with XXXX in order to get a better interest rate. The original loan was with them also. I received a new loan rate of XXXX. When I looked at the refinance documents, it showed a credit score of XXXX from Experian. I have an Experian account and knew that my credit score was XXXX. 

When I contacted XXXX to see if they used additional or different scoring from Experian, they said they did not. They took it directly from Experian. I checked XXXX XXXX credit reporting, and the score was XXXX. 

Since all payments were on time, and this was the only credit bureau they used ( score is higher for XXXX and XXXX ), I want to know what factored into this score and this interest rate.

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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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. 
================================== UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ===================================== 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 of 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