BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-10-19
Company: Credit Karma, LLC
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I purchased an engine for a XXXX XXXX XXXX with XXXX miles and a full two year warranty on all parts and labor. The cost of this engine was {$1900.00} and expected to be delivered to my mechanic on XX/XX/XXXX. I gave it a few extra days and called my mechanic on XXXX XXXX, he had not received the engine for the car. I then started calling all of the phone numbers listed on invoices, email, text messages and website. None of these numbers were in working order. I then immediately called Credit Karma to dispute the charges and was told it would take 45-90 days to investigate. I was giving them time and I checked on XXXX XXXX and the dispute was denied 1 day after I filed it. I then appealed the dispute on XXXX XXXX and received an email on XXXX XXXX saying my appeal had been denied. Credit Karma never called, emailed or even tried to contact me. They never asked for my proof of correspondence or my proof of the invoices or delivery date. I sent all of this information to them but they still have failed to look at any of it. This is money from a hard working person who is not sick due to this issue. I really hope someone sees this and can assist me with getting a refund from Credit Karma. I have never been more disappointed in a company than I am with them. They have not even tried!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
I've disputed these accounts, I have proof I've disputed these accounts, it has caused me and my family hardship, I want to be paid for financial relief, hardship and emotional distress. 
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 2022-03-03
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2023-09-29
Company: Chime Financial Inc
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My XXXX XXXX account got hacked that had my chime debit card linked to it and I only used XXXX XXXX to send money to a game I play but other than that I don't use it to send any money to anyone and before I knew that my XXXX XXXX account was hacked and whoever used my card to transfer money to 2 different XXXX XXXX accounts on multiple days that I didn't catch till later on because I don't usually check my account much especially XXXX XXXX  until this happened so I disputed it with XXXX XXXX  and my chime bank multiple times and told chime I disputed it with XXXX XXXX and rebuttaled my case 5 times at least which one time I rebuttaled that day they made their decision that same day like they didn't investigate anything and this keeps happening they don't seem to care about me or my money I was shorted rent because XXXX XXXX security was compromised and XXXX XXXX even shut down their app for a bit because they were having connection issues and gave screen shots of this information as well to chime my bank and they still refuse to help me or fight for me saying there was no error and so I lost XXXX dollars from this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions 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, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-22
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
The company stated they purchased this loan from someone else. But, failed to mention the name of the company. I'm only aware of XXXX XXXX XXXX as the loan originator. Who did they purchase the loan from? 

I never received a TILA disclosure and just found out about it on the CFPB website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Our mortgage was purchased by XXXXXXXX XXXX  XX/XX/XXXX. Our account number is XXXX. We had damages to our home due to Hurricane Ian on XX/XX/XXXX and we received a check from our insurance company with both of our names ( XXXX and XXXX XXXX ) and our mortgage lenders name ( LoanCare ). We called our mortgage company to find out the proper steps to follow to obtain signature and for the check to be returned to us. We were advised because they had recently purchased our mortgage we could not proceed online and we were given a specific address : LoanCare XXXX Insurance Claims Processing XXXX XXXX XXXX, XXXX, XXXX  XXXX and were advised to write the tracking # XXXX on the bottom of the check. We were advised the check would be signed and mailed back to us in 5-7 days. We mailed the check to the above address overnight and it was received on XX/XX/XXXX. We received a letter dated XX/XX/XXXX which states : Based on your current mortgage loan status and the insurance loss, it has been determined that the claim is classified as non-monitored. This means we can endorse and return the loss draft check to you without further conditions, allowing you to immediately begin repairs on the property. We paid out of our pocket and all repairs were completed prior to receiving the check from our insurance company. We have made multiple calls and also spoke to XXXX XXXX from the resolution team and we still have not received our check. We called again today XX/XX/XXXX and were advised they were waiting to here back from corporate. I inquired where their corporate office was located and the agent told me she had no idea. They are holding our personal money that we could be getting interest on. This is not an acceptable practice and we get a different response every time we call.

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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2018-02-11
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have ask XXXX XXXX XXXX to remove all inaccurate late payments since XX/XX/XXXX all the way to now. They have not provided any verification shows the inaccurate late payments since XX/XX/XXXX all the way to the date of this compliant which today date is XX/XX/XXXX. This compliant came be solved by updating all inaccurate late payments to on-time positive payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Company in question ( XXXX XXXX ) is claiming I have a debt with them for a loan that I did not request nor receive ( sometime in 2020 ). I assume this is as a result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
company - Capital One financial date started - XX/XX/2020 date reported - XX/XX/2020 Loan Amount - {$2000.00} Reason - auto repair person spoke to - XXXX phone # - XXXX On XX/XX/2020 I applied to get a loan cause im a delivery driver and my cars beat up and needs some fixing. On XX/XX/2020 I received a call from these people saying I was approved up to {$10000.00}. First thing I got suspicious about was they needed my bank login information to attempt a mobile deposit which my bank found fraudulent and fixing that situation now. When I first got the loan approved they said I didnt have enough credit history which is true under my end but they said they would move on and let my credit history build up from some type of program. so I didnt even get the loan to start and to build that credit I needed to pay them back and they mobile deposited a small fee into my bank account. After this happend today XX/XX/2020 they told me at XXXX this morning to go to a XXXX XXXX  and buy a XXXX XXXX gift card in the amount of XXXX $ which was not optional cause they said they would red flag my social security if I didnt do it. Now im sitting here with no loan a huge scam and I spent XXXX on something that I coudlnt control and no loan. So now im broke caue they emptied my pocket of money and took it for a joy ride with gift cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: FL
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-10
Company: Experian Information Solutions Inc.
State: SC
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:
Experian, XXXX, & XXXX  have infringed my rights as a consumer and they are in violations of the following sections of the FCRA 1681i ( 6 ) ( b ) ( iii ), 1681i ( 7 ), & 1681e ( b ). 
On XX/XX/2020 i request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature for the following accounts XXXX XXXX XXXX XXXX XXXX Also to challenged the completeness & accuracy for the following account XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I'm a victim of identity theft. I recently learned that my nonpublic personal private information is being shared and furnished with different company 's and financial insinuation without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to XXXX, XXXX and TransUnion by way of Financial Insinuations without full discloser and without my written consent, unknowingly and unwilfully and against my knowledge and therefore request this account to removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 Protection of Nonpublic personal Information. This is identity theft. Pursuance FCRA 603 ( p ) Financial Institution must notify consumer in written if they may furnish negative information to CRA. Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I XXXX XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. Accounts listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violated my rights.

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: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid 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 paid for a trip to XXXX with a company called XXXX XXXX XXXX. The company went out of business. As soon as I found out that the company went out of business I called capital one. They refunded my money but then took it back saying I was past the deadline. I paid for the trip well before the trip was going to happen. I contacted capital one as soon as I found out the business went under. I could not have known the business would go under. If I had known, I would've canceled the trip and received my refund from capital one in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: EQUIFAX, INC.
State: SC
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:
XXXX, Equifax, & XXXX  have infringed my rights as a consumer and they are in violations of the following sections of the FCRA 1681i ( 6 ) ( b ) ( iii ), 1681i ( 7 ), & 1681e ( b ). 
On XX/XX/2020 i request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature for the following accounts XXXX XXXX XXXX XXXX XXXX Also to challenged the completeness & accuracy for the following account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account for no reason and i try calling Paypal many time but they are not picking up, I received XXXX EUR from a friend and the funds is on hold, So i chatted Paypal up on there message center, they limited my account telling me that the funds will be on hold for 180 days, and i can't wait long. Please help me so that Paypal will release my funds. 

My Paypal email XXXX My Transaction ID : XXXX Sender Transaction ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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