BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-01
Company: Hello Digit, LLC
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Thursday XX/XX/XXXX I attempted to make a {$25.00} transfer from my XXXX XXXX account to my XXXX account. However a system error caused the transfer to be processed twice. 


I waited a few days to see if the transaction would fall off my account as it was " Pending '' in my Spending account. However, on XX/XX/XXXX the transaction was still shown as pending on my Spending account but my investment account showed it had been returned for XXXX, insufficient funds. I contacted Digit regarding this requesting that they investigate and my case was escalated with their engineering team. 

To this date I still do not have access to the {$25.00} that has been pending since XX/XX/XXXX at XXXX PM. I have made numerous follow-ups requesting additional information and on XX/XX/XXXX I received the following : I '' do want to assure you that we have been partnering with our engineering team to see what was going on. To explain a bit more, the transfer from XX/XX/XXXX has been returned correctly. The funds from that transfer should be back in your account. In addition, you created a manual transfer of {$25.00} later in the day on XX/XX/XXXX, and that transfer was successful. This means that the amount you are seeing in your account should all be correct. '' This is incorrect. My Digit XXXX account currently shows a {$0.00} balance, a pending {$25.00} withdrawal to my investment account, and does not allow me to make a transfer of {$25.00} as it shows my available balance is {$0.00}. I've forwarded a subledger for my account showing all of my transactions minus the pending {$25.00} withdrawal to Digit and it shows I still should have {$25.00} in my account. This needs to be corrected immediately, it's been nearly a month that this has remained pending and I have not been given access to my funds. 

While {$25.00} isn't a lot of money it's the equivalent of a credit card payment for many folks and the fact that a system error has caused my money to be unaccessible for over a month and for their engineering team to say that it's all fixed and my balances are correct is troublesome to say the least. 

I don't want system errors to cause others to be out of money, potentially even more than just {$25.00}, and Digit has failed to properly address the situation within a reasonable time, thus I have no choice but to seek the help of regulators like the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: NY
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:
MY NAME IS XXXX XXXX, AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND IDENTIFICATION AS IT CONTAINS MY FULL COMPLAINT AND REQUESTS.

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 2019-08-22
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Identity theft XX/XX/2011. Never been able to get credit report on annual due to not being able to verify my identity. 

Learned tonight, after 3 hours waiting for Equifax to answer, I was advised there is an EXTENDED on my Equifax.

Now, apparently id theft has happened with Equifax. Someone submitted documents to Equifax. Now there is someone tampering with my Equifax report and that is identity theft.

I requested copies of the paperwork that was obtained to of made the alert possible.

I was told I am not allowed to have the information. I am completely locked out of my account and not able to monitor.

Equifax, is not working with me ; yet against me. Should not credit bureaus be working with victims of ID theft?

They made it difficult, and after 3 hours back to square one. Phone disconnected and none of my concerns or actions necessary to protect myself are possible.

I am concerned with the way they identified me. They asked questions that anyone could answer. Of course because someone used the info to add the extended.

I asked her to verify my calling me or texting. I feel safer and its a good tool. I was told they are unable to do that.

Equifax is part of the problem and if they dont cooperate ; what can I do? Submit a complaint to CFPB in which they never acknowledge any of my complaints.

Equifax needs to change their policies to ensure there are extra steps of getting a consumer verified other than asking questions, that someone has from ID theft.

The entire waste of time, without any resolution, and still locked out.

How do I get around this which, should not be difficult in the first place and what reasons are they unable to send a code to our phones and we verify.

The only option they offer, is an email to click a link and emails do not always get delivered quick. I was told to wait an hour, I accept that.

Why would they not take extra secure measures to verify my identity? It is already been established ; someone submitted a copy of my social security, proof of address, and other documents they require for an extended. Am I the XX/XX/XXXX consumer who finds many holes in this process that does nothing for protecting and verifying my identity.

Lastly, if you require further information, how do you communicate with the person filing a complaint? Is there a portal or account options so consumers may have access to reports submitted?

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: FIRST HORIZON BANK
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:
I had attempted to order a product from XXXX, I had inadvertenly used my debit card when I intended to use other loan product. I called XXXX 4 times the day the error occurred. I was assured 4 times that my order had been cancelled. A hold had been placed on my account for around XXXX I contacted First Horizon bank that day to report the issue and to open a fraud claim. I was told I needed to wait for it to hard charge to my account. On XX/XX/XXXX, the charge hard posted, I contacted the fraud department and started the process. I was told I would get my funds back within 5-10 days. I received 2 products from the company. After numerous issues filled through the XXXX  I received a return label for the product and sent it back XX/XX/20. I contacted First Horizon bank this morning to give them an update and to see where my report stood. They had closed out my case as I still had the product. I was unable to return until I received the label. They re-opened my case XX/XX/20 but stated I would not get my funds provisionally. I would get the funds back once they received the charge back from Visa. I believe this is a violation of Regulation E. My understanding is that they must provide provisional credit within 10 days and then they may pull the funds back if my claim gets denied, or recoup their funds when the merchants charge back is received. I have been without access to my funds due to the debit card hold and the hard charge since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Received almost 50 percent interest on the Home Depot Store Credit Card. Made attempts to discuss options and resolve with merchant, but was unable to speak with a helpful person. Total balance due on the home depot card is beyond what is manageable. Balance has more than doubled and seems impossible to maintain.

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 2022-09-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2022, Chase received my Notice to Dispute letter, in the letter, I advised that I was disputing the alleged debt in its entirety. I demanded verification of the alleged debt pursuant to 15USC1692g ( b ). I also requested the name and address of the ORIGINAL creditor. As of the writing of this complaint, I have yet to receive the requested documents. 

Chase was also advised that they did not have my permission to take ANY adverse actions against me or my account which included but was not limited to closing my account and reporting negatively to any credit reporting agency. On XX/XX/2022 Chase closed my account knowing that they did not have my permission. 

Chase is in violation of 15 USC 1692g ( b ) and I demand my specified remedy which is : 1. Zero out my balance every billing cycle moving forward.

2. The return of any and all previous payments made by me on this alleged debt.

3. Remove all negatively reported reports from all credit reporting agencies. 
4. I would like a copy of my consumer file in its entirety regardless of how it is stored as defined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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: Reporting company used your report improperly

Complaint:
On XX/XX/2022 i sent off a debt validation letter to the alleged debt Collector XXXX XXXX & they returned to sender saying that address is unknown & invalid when this is the address clearly showing on my Consumer report. If address information is invalid then surely the information being reported is to my understanding INACCURATE also. 

In accordance with the Fair Credit Reporting act XXXX XXXX # xxxxxxxxxx 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

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 2019-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The credit reporting agency refused to provide me legit paperwork on signed documents bearing my signature that I owe this account. This account is also more then 10 years old and should not be on my account. The collection account is 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 2019-04-17
Company: World Omni Financial Corp.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 30 days and 60 days late payment on the dates XXXX XXXX 30 days, XXXX  XXXX 30 days, XXXX XXXX 60 days. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone pass the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. promptly delete all information which can not be verified. that i have disputed. Please resolve this manner as soon as possible. Thank you.

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 2023-08-29
Company: HOPE BANCORP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I listed some items for sale on the XXXX website. In a couple of hours I received an email stating that one of my items had sold. If i would like to get paid and complete the transaction I needed to provide banking credentials so I can get paid. i did so thinking this was the process. I stupidly clicked on the link and entered my information. I know my banking information backwards and forward... I received an error message. That is when I realized what may have just happened. I went into my bank account ( BANK OF HOPE ) and saw that a bill payee was added ( XXXX XXXX account XXXX ) in the amount of XXXX I quickly called BANK OF HOPE and informed them that I did NOT authorize this payment of XXXX!!! The action was pending but I could not cancel the transaction. The bank told me I had to go through their fraud department. UGH!!! What fraud department?? I have yet to speak to someone or receive any communication!! The transaction was pending, why wasn't I capable of cancelling?? Why wasn't an alert sent out?? Big XXXXXXXX XXXX if you so much as move a comma you get an alert... Did you do this? Authentication through text message. NOTHING I received NOTHING from Bank of Hope. I have called many times to get an update. They redirect me to the branch tellers!! I don't want to speak to the tellers. they know as much as I do, which isn't much. I have emailed customer service many times. They have yet to email me back. They use fiserve.com as their bill pay. I have contacted them and nothing. I have a case Id XXXX and a case personXXXX XXXX XXXX but what is the point of having this information?? The fraud department can not be accessed by the customer!! Big US banks have dedicated Fraud departments where you can speak to someone. Bank of Hope has nothing of that sort. No one has reached out. I feel like this XXXX bank turned a blind eye to my case. If that is the case how many blind turn aways have they done?? They are a XXXX bank doing business in populated XXXX communities. Do they prey on the fact that mostly all of their customers don't speak English? This is so NOT FAIR! they should not be allowed to bank in the US. they don't have the same protocols as US banks. This should not be the level of customer service. I am truly disgusted with this bank. It has been almost a month now and I have yet to hear from anyone at the bank. I am hoping to get some resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-29
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have applied for scra benifits with the key provision of the state of Ohio which extends scra benifits to debt acquired during XXXX XXXX service. This caps all interest to 6 % and all over paid interest and fee shall be refunded retroactively. I was told that because my account was opened after enlisting that I do not qualify for scra. But with my home of record being ohio I qualify for the key provisions of scra for the state of Ohio.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Exeter Finance Corp.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
The XXXX ( XXXX ) XXXX XXXX was giving me mechanical issues several times throughout the duration of usage. Causing financial distress and hardship. I am totally XXXX, and could not afford to pay for loan and repairs due to a lemon. The automobile has been in the repair shop since XX/XX/XXXX. Its been out of service several times and I have been having difficulties getting to my Doctors appointments, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 23 and 24 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5.  Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2020-10-07
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have made payments to an auto loan to get back under 60 days late. keep getting phone calls ever 2 to 3 days asking for more money. I have asked for deferments due to lay off from COVID-19. Found out that the company did not even put notes in the system that I called in XXXX. The company is Hyundai Motor Finance. They are unwilling to help me. They keep calling me after I have made payments telling me they will repo the car. This is Harassment by a bill collector.

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 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 did not authorize the following transactions. I attached my ftc report. Please remove inquiries immediately. 

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 2019-04-17
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been disputing some fraudulent accounts with synchrony bank, the accounts are XXXX XXXX, XXXX credit card and XXXX club credit card. The company has removed a couple of accounts that were fraud but still yet have not removed the others. I have not applied for any of the accounts that they say are mine and have tried to contact the person whom sent a letter stating to contact her about this matter. I have contacted the person who sent the letter who name is XXXX XXXX Senior Specialist of the corporate consumer relations. I have contacted her four times and left messages but non of my calls have been returned to resolve this matter.

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 2022-02-02
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/2022 I wrote Experian to inform them of inaccurate information on my credit on my consumer credit file. This is my second time disputing these egregious items on my credit file. Under the FCRA I am a federally protected consumer assuming this company can not give me unquestionable evidence of these accounts they must be removed immediately.

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 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 have contacted the credit agency and the company themselves on numerous occasions since XXXX XXXX, 2020. I have both electronically and in writing by mail, submitted my identification documents, proof of address, identity theft reports and additional documentation. I also received notice that this account would be XXXX, deleted from my report and the title to the said vehicle sent to my address. 

The account has been refused to be blocked even after notification of my request for it to be blocked and still reports a $ XXXX balance. This was dealer fraud and the contract is not legit. I was also told I had to purchase a service contract if I wanted the vehicle by the sales manager along with the loan being written when I hadnt taken possession.

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