BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-09
Company: Chime Financial Inc
State: IN
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: Card was charged for something you did not purchase with the card

Complaint:
on XXXX at approx. XXXX I reached out to chime about items on my statement that was not mine. i informed the rep that after I notified chime back in XX/XX/2023 and filed the dispute and that dispute was approved. and approx. 7 weeks later the company started charging my card again as soon as I noticed the charges I informed chime at XXXX and the 4 hours later chime denies my claim and does not investigate any claim. 
how can a bank not investigate a claim at all. I have had over XXXX go though this account and I don't feel like im protected

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: MA
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 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: FIRST NATIONAL BANK OF OMAHA
State: NJ
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:
Your entity must remove this unauthorized inquiry and provide a written response to my address. Please see attachments below.

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 2021-07-08
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly asking you to pay attention to a serious situation that happened with me. I suddenly noticed fake accounts in my credit report. I do not know why I have them but I believe I am a victim of identity theft. My personal information was used and that's how I have these accounts. Or maybe its just error in reporting but I am begging you to delete these fraud accounts because I am at the very important stage in my life and I need to do financial planning. Thank you, and appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EdFinancial Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have never missed a student loan payment. I have always ensured that each payment I made was sufficient to cover the interest being charged and prevent the loan balance from growing via negative amortization. 

I made my first student loan payment ( since the pause ended ) on XXXX. I paid {$550.00}, more than the minimum payment.

I have 4 loans totaling $ XXXX with a weighted average effective interest rate of 5.7 %. Based on this, I expected my first-month interest charge to be {$230.00}. And therefore {$550.00} - {$230.00} = {$310.00} would be applied to principal.

EdFinancial applied {$340.00} of my payment to interest and only {$200.00} to principal. I am not sure how this could be possible given that I have never missed a payment or paid an amount that would result in interest accruing or negatively amortizing. This is an effective interest rate of 8.4 %, which is quite simply... outrageous. 

I have no idea how this could possibly happen. I want an explanation from the servicer to explain how they arrived at this interest charge. And their customer service has been completely unresponsive.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-07
Company: World Acceptance Corporation
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:
My rights have been violated according to FCRA 15 U.S Code 6801- Protection of nonpublic personal information 15 U.S Code 6802- Obligations with Respect to disclosure personal info I have not given any of these companies verbal or written consent to report my information. I have not been notified by phone or mail saying that they were going to do so.I do not give them consent either

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: WELLS FARGO & COMPANY
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I'n XX/XX/2020, private student loans went out of forbearance. I am currently enrolled at XXXX XXXX University but I was on a break due to Covid and went back effective XX/XX/2020. I have been working with Wells Fargo to get my enrollment updated to them so my student loans could go back in forbearance, but in the meantime would make payments to ensure my credit would not be negatively affected. I was receiving many calls regarding my loan after making a payment in XX/XX/2020, but on XX/XX/2020 after receiving another call the Wells Fargo Rep removed my number since I told them all of their calls seemed to me like harassment. The Rep never asked if they could remove it but did it on their own. After making a payment in XXXX with my new address, Wells Fargo never updated my account to reflect the new address. I assumed since I am in school my loans went back in forbearance as I never heard back from Wells Fargo regarding my accounts for the entire month of XXXX. Instead, on XX/XX/2020 I received an email from Wells Fargo asking for me to contact them regarding my account. When I called on XX/XX/2020, the Rep informed me they tried sending me a letter to a bad address and removed my phone number. I was also made aware my account was over 30 days past due and it was reported to the credit bureaus showing over 30 days past due. I've been told my many Reps but after specialist, XXXX ( Case # XXXX ), reviewed my case she yes they made the error to remove good contact information and didn't update my address to match my updated billing information since it's not their job to do such. This situation is an Unfair, Deceptive, and Abusive acts and Practices due to the nature of events. If known my account was subject to negative credit report, I would have brought the account under 30 days past due, but the fact my phone was removed out of my account without my permission and only an email sent to me after reporting the accounts past due Wells Fargo is deceptively playing unfair to peoples lives and credit. I believe this error is Wells Fargo 's fault and I should be allowed to bring my account current and have Wells Fargo update and remove the negative credit remark off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: DC
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 have been working with Experian for over 5 months now to get the incorrect information on my credit report to be removed. I have never applied for credit card XXXX and XXXX. I have individually submitted police complaints and relevant information to both the banks. They have not responded, and Experian refused to work further on investigating. I have made multiple calls to Experian, and they have been extremely unprofessional and rude.

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 2022-11-29
Company: EQUIFAX, INC.
State: AL
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2021-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A place in XXXX Illinois called courtesy loans close their doors one day on a Friday. They were bought out by world finance. Courtesy loans never sent their customers any kind of paperwork who bought the company they didn't send me or anybody else anything and we had no idea who to pay the loans off to couldn't get a hold of anybody cuz the place closed their doors courtesy loans did and all the sudden it pops up on my credit report well I've told XXXX TransUnion and XXXX about it I have sent disputes I have done all that and nothing changes but it still has drug my credit score down and I didn't even know who to pay or anything until it was already too late They already had they were already on my credit report

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 2022-11-29
Company: EQUIFAX, INC.
State: WI
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:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Statebridge Company
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Entered into a repayment agreement with initial down payment of {$2000.00} made XX/XX/XXXX. Received no written documentation of verbally agreed upon plan. Missed two payments on plan due to XXXX treatment of husband, but company continued to accept payment of verbally agreed upon plan. Initially spoke with XXXX on XX/XX/XXXX. He advised XXXX in loss mitigation was my assigned representative, but her hours were only XXXX Mon-Fri. Finally spoke with XXXX and went over entire payment history for the past 18 months. Per bank statements, we concluded the verbally agreed upon payments of {$1100.00} were not made for XX/XX/XXXX and XX/XX/XXXX, which would have left the remaining balance of the plan to be {$2300.00}. XXXX with Statebridge insisted the total amount due at the end of plan was {$3700.00}, but was unable to explain why. Statebridge had established an escrow account, although proof of insurance was provided to third party company XXXX as soon as they received knowledge of lapse of insurance. Even still, Statebridge is charging insurance via an escrow account. We went to pay XXXX property taxes, however Statebridge had already made the payment, even though they were not yet due. It was requested that Statebridge extend the existing plan and XXXX stated that would require management approval. We never received a response from XXXX or her management regarding our request for clarification of total amount due and extension of plan. Moving forward, Statebridge refused to accept payment on the account. My husband recently had an XXXX  XXXX to remove a new XXXX XXXX XXXX XXXX XXXXXXXX. Naturally, my energy has been spent caring for him. Additional financial hardship was experienced due to the global pandemic, as we cared for our grandson while he was recovering from XXXX. We recently received a letter from XXXX XXXX XXXX XXXX located in XXXX XXXX, Georgia and a letter of notice of hearing regarding foreclosure action on XX/XX/XXXX. We have made several attempts to get in touch with Statebridge via telephone to only be left on hold for hours at a time, and then disconnected due to service issues, with no one ever answering the phone or returning our calls. Information found on website is sorely lacking, leaving us bewildered to resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly asking you to pay attention to a serious situation that happened with me. I suddenly noticed fake accounts in my credit report. I do not know why I have them but I believe I am a victim of identity theft. My personal information was used and that's how I have these accounts. Or maybe its just error in reporting but I am begging you to delete these fraud accounts because I am at the very important stage in my life and I need to do financial planning. Thank you, and appreciate it.

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 2023-10-24
Company: Experian Information Solutions Inc.
State: PA
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:
The statue allows for multiple reinvestigation. 

The following accounts has fraudulent charges made to them. 

Account info Account name 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 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 2022-04-06
Company: SYNCHRONY FINANCIAL
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: Add-on products and services

Complaint:
In XX/XX/XXXX I lost my employment due to the Pandemic and country closure. I reached out and wrote XXXX which directed me to contact Synchrony. I wrote them several times and have been continuing to submit payments although it was very difficult to do so. Can you imagine im paying {$100.00} and only {$25.00} apples to my bill the stress im face with. As I await a response to my letter I am highly disturbed to be denied. I waited over a year and I understood because of the pandemic everyone worked from home but this can not be legal. I paid for insurance and when I needed the security I am being denied. It was a very difficult period in my life and while I struggling to maintain my minimum monthly payments I realized I was only being buried in high interest rates. This was very overwhelming to me not to mention I suffered from the virus causing me to quarantine on 3 occasions. I reached out to my credit card providers including XXXX ; to active my card insurance. I was ignored. My claim was never processed. Finally in XX/XX/XXXX when the mandated masked was lifted I was able to orally speak with someone in the card security department. I request my benefits to be active and adjusted to my initial claim period and was denied again. I continue to maintain the minimum payment although I struggle to care or myself and family. Its my obligation to pay my debt as I have insurance its Synchrony responsibility to honor my claim within a timely fashion ; not denied it 2 years later. 
I had insurance my claim should been approved I should be protect. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Legislation S.153/A.2382 Enacts The Consumer Credit Fairness Act, Which Would Address Abusive Debt Collection Practices Legislation S.4823/A.3359 Prohibits Utility Companies From Harassing, Abusing, or Oppressing Customers Connected to Residential Customer Complaints Legislation

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 2018-11-16
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
My complaint is with One Main Financial. Since XX/XX/XXXX18 I have received 57 phone calls from One Main Financial. This is ridiculous. I am tired of it. Also 2 months ago I set up a payment plan with them. And they said that they would defer my payment and allow me to change my due date. Come to find out they never allowed that to happen. They lied to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX  credit card is being reported negative on my credit file and it doesn't belong to me. the account and balance do not belong to me and this is fraud. I have notified the three credit bureaus as well as XXXX XXXX XXXX and sent in the police report and this account was to be removed from my credit files. I still see I t appearing and greatly effecting my crtedit in a very negative way. this credit card and balance being reported on my credit files does not belong to me. this account should be deleted from my files as thisis fraudulent and doesn't belong to me

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
I am reaching out for what I believe is an invalid debt on my credit report since the court hasn't authorized the debt as valid yet. This eviction was filed last XX/XX/2022 and we're still waiting on the court hearing date. Therefore, it is still an open case. 

Additionally, this was garnered by a habitability issue and I best believe that the case will go in my favor. Please see attached files that support my side. However, I do understand that the case is still open and the outcome has not been determined yet. 

I have reached out multiple times to Transunion, XXXX XXXX XXXX but they wouldn't consider. I have not receive a response from the XXXX XXXX XXXX. How were they able to determine that the " Collection '' should be on my credit report when the Eviction case is still ongoing, we don't have a hearing date yet and no judge has ruled or decided on who should be responsible for the said collection. The apartment has inhabitable for months. I have submitted a counterclaim on Axial Buckhead that they actually owe me since I was not able to stay in the apartment that I was renting out because it was inhabitable due to raw sewage seeping through the ceiling. I had to pay for hotel stays, etc. for me to be able to stay in a safe and comfortable place. 

I just dont believe its fair that it is already reflected in my credit report, affecting my credit score when the case is still open and we dont even have a hearing date.

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 2022-04-06
Company: The Outsource Group, Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was told I could not set up a payment plan under the amount advised. Therefore, I called every month, making payments of {$30.00} because thats all I could afford. It was the middle of the month and they decided to send this to collections, even though I was making a payment monthly. I also settled this debt in full. I asked the representative if this account will be removed from my credit report and to send it in writing on a recorded line. I never received this document, nor did they send a request to the credit bureaus to have this debt removed from my credit report. I would like this debt removed from my credit report as they told me upon agreement of settling it in full. I would also like any negative missed payment remarks removed also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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