BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This letter is my FINAL formal complaint that you are reporting inaccurate credit information on my credit report. I have filed complaints thru the Consumer Financial Protection Bureau on XX/XX/21, XX/XX/21 and XX/XX/21. I am very distressed that you come back every time after your investigation that this information was verified. The information I am disputing for the very last time is XXXX XXXX XXXX. The balance owed is incorrect. You are reporting {$5100.00} when the balance is {$4300.00}. I have attached 2 sets of documentation to this complaint for you to review. One of the documentation is taking straight from XXXX  Website under my account. The other documentation is a screenshot showing that you along with the other 2 credit bureaus are each showing inconsistencies. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either you or the reporting creditor 's part. With the proof I'm attaching to this letter, I'm sure you'll agree, you either correct this or it needs to be removed as soon as possible. I am a litigious consumer. This is my 4th and final time asking to correct or remove this inaccurate information, if you return back that the information currently on my credit report is verified and accurate I am filing a lawsuit 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 2019-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is not so much a complaint as it is a request for my personal information. I wish to Thank XXXX, a representative of Capital One I joined Capital One on XXXX and was given a {$300.00} credit limit. I make my payments in full. If I spend {$300.00} I pay back {$300.00} that month. In XXXX and XXXX I had received Alert 's that my Personal Information maybe on the XXXX XXXX. and each time significant Point 's were taken from my credit Score. I even filed complaint 's with the XXXX. With regards to XXXX. My complaint is greater than Capital One or the Credit agencies I have been getting emails.People asking me why I am sending XXXX picture 's. I have received from one man in XXXX a Statement on XXXX saying XXXX, has my information. I have telemarketers calling me repeatedly. I have filed with the do not call registry on one that has called me 5 time 's. XXXX and XXXX. On capital One it said my XXXX account and password.Did they get it or trying to get it? I have not been with XXXX in year 's I do not remember my password. I emailed XXXX and asked please remove any of my information. Someone calling themselves XXXX emailed me and asked me if XXXX took care of the problem? I replied who are you and how did you know I messaged XXXX? they never responded to me. I contacted the FBI with regards to XXXX. Capital One has already settled if I am not mistaken and they have admitted fault The only reason I know what I know was because the Alert 's that they provided on my account. I spoke with the Law Firm XXXX and XXXX, They seem less than enthused to Represent me on a settlement that has already been paid. I am asking with Respect was I one of the many Victim 's Hacked? Is my Information out there because of the Security Breach? I believe I am entitled to know based on everything that has happened to me sense I joined on XX/XX/2019 I do not believe it is fair for a Law firm or a attorney to decide if I am entitled to compensation based on my income or lack there of. For all I know there can be arrest warrant 's for me. Because someone remembered my DOB Social and Name. Am I one of the victim 's?.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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:
I am writing this complaint to inform the CFPB that my rights have been violated by this consumer reporting agency. In a correspondence to Transunion, XXXX of XXXX, I requested proof of my consent regarding the sharing of the following accounts ; XXXX XXXX  XXXX XXXX  account number XXXX XXXX  XXXX XXXX account number XXXX XXXX  XXXX  XXXX  account number XXXX XXXX XXXX  Account number XXXX Date open on credit file XX/XX/XXXX. XXXX. 
Another XXXX  XXXX  account XXXX with opened date XX/XX/XXXX XXXX XXXX Account number XXXX As of today, I have not yet received a any proof of my consent regarding the sharing of the above accounts. According to 15 U.S.C 6802XXXX Obligation with respect to disclosure of personal information ( B ) the consumer is given the opportunity before the time of, that such information to be disclosed. to such third party. and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option, in a correspondence to the consumer reporting agency.

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 2018-12-18
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a promotional offer for the American Express XXXX XXXX card. After the statement closed, it showed I had earned XXXX XXXX  points. I waited and waited for the points to post, and they never did. I contacted customer service on a daily basis and nobody could give me a straight answer. They seemed clueless. I want my earned XXXX   points to be transferred to my XXXX  account immediately as advertised. This constitutes false advertisement by American Express and it is a practice that if continued, would be exposed as much as possible on social media and with their executives so that as many people as possible are aware of your deceptive tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: GA
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. Account name : XXXX XXXX XXXX XXXX Account No. 
XXXX Original Creditor XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account No. 
XXXX Original Creditor XXXX XXXX XXXXXXXX XXXX  Account name : XXXX XXXX XXXX Account No. 
XXXX Original Creditor XXXX XXXXXXXX XXXX  Account name : XXXX XXXX Account Number XXXX Account name : XXXX Account number : XXXX, 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 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 2022-08-16
Company: WELLS FARGO & COMPANY
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Contacted by email for services to be provided by contractor to send 50 % down through XXXX. {$330.00} was sent on XX/XX/2022 using my bank account with Wells Fargo. On XX/XX/2022, contractor called stating their email had been hacked and fraudulent requests were sent asking for money. I contacted Wells Fargo immediately explaining the situation. A letter arrived XX/XX/2022 denying responsibility for fraud. Fraudulent requester said to send money to his secretary named 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 2022-08-16
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:
I notified XXXX that I am 66 years age and have had credit most of my life. I have purchased 5 houses and I have banked at the XXXX XXXX XXXXXXXX for 26 years. None of this information is reported on my credit report. All of my accounts are reporting 10 years or less. I have been paying more interest for credit and I have been denied credit cards and my credit card offers are reduced because of my short credit file history. What can you do to 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 explanation
Consumer complaint received 2023-05-15
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am writing to bring to your attention a pressing matter concerning the closure of my checking, savings, and credit card accounts by Chime, a financial institution I have been banking with for some time. The sequence of events that transpired, as well as the questionable actions taken by Chime, have left me deeply concerned and in dire financial circumstances. 

To provide a comprehensive overview of the situation, I will outline the events in chronological order. First, my checking account was closed without any prior explanation. Chime explicitly mentioned that they would seize the funds in my account, disregarding any attempt to clarify the reasons behind this action. At the time of closure, my checking account contained a total of {$10000.00}, which included an amount of {$5500.00} that had been deposited prematurely from my IRS tax refund. According to the IRS tax refund tracking information, this amount was not scheduled for transfer until XX/XX/XXXX. Thus, Chime not only illegally held onto these funds but also waited until a check of {$3400.00} cleared on XX/XX/XXXX before closing my account. It is worth noting that, perplexingly, the closure email I received was backdated to XX/XX/XXXX, despite having full access to my account throughout that entire day. 

In an attempt to understand the motives behind the account closure, I must highlight that I had recently filed a dispute regarding fraudulent charges amounting to over {$2000.00} on XXXX XXXX, which Chime had denied just a week prior. The alarming coincidence of the account closure aligning precisely with the date a significant check was due to clear raises suspicions of foul play. Moreover, as Chime is my sole banking institution at present, this abrupt closure has left me completely deprived of any means to support myself financially. 

Given these circumstances, I kindly request your immediate intervention in this matter. I implore the Consumer Financial Protection Bureau to investigate the actions of Chime regarding the closure of my accounts, the illegal seizure of funds, and the potential retaliatory motives for their actions. It is crucial to determine whether Chime has violated any consumer protection regulations or engaged in any unfair practices that may have led to this distressing situation. 

I genuinely appreciate your attention to this urgent complaint and your commitment to safeguarding consumer rights. I eagerly anticipate a swift resolution to rectify the financial hardships imposed upon me by Chime 's actions. Should you require any further information or clarifications, please do not hesitate to contact me at your earliest convenience. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX XXXX XXXX is reporting incorrectly to XXXX; XXXX and Transunion a charge-off in the amount of {$10000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 2 attached from my credit report. ) The vehicle was defective and falls under the Lemon law for the State of California and therefore I am not financially responsible for any of the debt associated with this vehicle. This incorrect reporting of a charge-off is hurting my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2021-07-05
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
This complaint is about my frustrating experience with Hyundai Motor Finance. 
I love my XXXX XXXX XXXX XXXX XXXX. I was leasing it for 3 years, had no problems with it, as well as low mileage, and decided to buy it when the lease matured XX/XX/XXXX. 
The issue is not with the car, it is with the company. 
At the end of my Lease, I informed them I will purchase the car. 
I contacted the Lease End Department on XX/XX/XXXX, got the buyout information. 
On XX/XX/XXXX XXXX I made online payments for the total amount required and emailed the odometer reading statement along with the confirmations of payments Then the ordeal started. In short, I have been calling several times a week to get an update, the Buyout Department had to apply the payment, close the account and after that send me the Title ( which takes 10 days as I was told!!! ) Every time I had to be transferred from one department to another. You can get only the first name of a person you talk to, They are not allowed to give the last name!!!! and email is for internal purposes only. 
Every time they assured me of sending emails to the Buyout Department to expedite the process. 
I am still waiting for the Title. Moreover, when I log into my account it still shows unapplied credit. The buyout department has not corrected the error! This company needs to hire competent people and train them properly. 
I sent emails, posted the companys page on XXXX with no result. 

Despite multiple attempts, I couldnt get the problem resolved. 
Therefore, I had little recourse except to file a complaint with the Consumer Financial Protection Bureau ( CFPB ). There is absolutely ZERO accountability at the at Hyundai Motor Finance ( HMF ) Lease Buyout and Titling departments. Customer Service in the Leasing Finance unit is a disaster. 
I am retired and on XXXX, I had to take money from my retirement account to make the payoff Now I am receiving letters from the company threatening with legal action if I dont return the car 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 explanation
Consumer complaint received 2017-06-01
Company: BANK OF THE WEST
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened Bank of the West platinum Master credit card # XXXX XXXX XXXX XXXX with XXXX XXXX XXXX ( VP ) XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ) his email is : XXXX.
I closed the credit card on XX/XX/XXXX and since I have a credit of {$220.00}, XXXX XXXX XXXX has promised me many times that I will receive the check of {$220.00}, but today ( XX/XX/XXXX ) I have NOT yet received the check.
<P/>
For last 2 months, I have come in and talked to XXXX XXXX XXXX and other people at Bankofthewest many times but they continue delay the check.

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 2022-08-16
Company: EQUIFAX, INC.
State: GA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX : {$880.00}, XXXX XXXX XXXX : {$3000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  A ) XXXX Balance : {$610.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Carvana Group, LLC
State: NY
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/XXXX I inquired to purchase a car with Carvana, the run my credit and say I was pre approval pending to some verification, they requested proof of income in the form of 3 months of bank statements, after they got the bank statements they mention they could no approved those documents and they will need evidence of me owning a business what i did, after it I receive an email saying they couldnt move forward with the approval because I havent provide a Registration and Insurance Card in order to move forward with the review to either approve or declined the loan, since I am not willing to insurance a vehicle I do no know if I could get approved for I asked the company to deleted the application and since the way they advertise the service is absolutely different than my experience I call then to request of the removal of their inquire to my credit but found myself in a circle calling they do no have an specific department that handle this inquires so I am trying to get Carvana to deleted any related account and also their credit inquire from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: Radius Global Solutions LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been attempting to address this issue since XX/XX/XXXX. The following dispute revolves around a medical claim involving myself, XXXX XXXX, XXXX XXXX, and now the collection agency of Radius Global Solutions, LLC. I do not have any responsibility for the debt youre trying to collect. If you report it to a credit bureau ( or have already done so ), please report that the debt is disputed. 
On XX/XX/XXXX Radius Global Solutions, LLC validated the debt totaling {$130.00} as defined : XXXX for XX/XX/XXXX XXXX for XX/XX/XXXX I have attached the file Consumer Financial Protection Bureau as supporting documentation for my denial and claim for payment of {$25.00}. 

XXXX - {$350.00} TOTAL AMOUNT BILLED XXXX XXXX XXXX XX/XX/XXXX balance due of {$180.00} XXXX XXXX XXXX XX/XX/XXXX balance due of {$160.00} XX/XX/XXXX paid XXXX XXXX {$25.00} check XXXX based on XX/XX/XXXX XXXX XXXX XXXX Based on XX/XX/XXXX XXXX XXXX XXXX is overpaid {$25.00} due to my payment on XX/XX/XXXX. 

EOB Amt Billed {$160.00} XXXX XXXX EOB Payment for service was denied b/c " not a proven procedure '' and furthermore states a " Network provider may not bill you unless you gave written permission before you received the service. '' ****I have attached XXXX XXXX of the XXXX XXXX contract which states that XXXX XXXX may only collect payment for non-covered services if they first receive a written consent which includes an estimate of charges. 
I did not receive a copy of my written permission during Radius Global Solutions, LLC 's validation of debt. 
EOB Amt Billed {$100.00} XX/XX/XXXX Plan Discount {$100.00}, Allowed Amt {$0.00}, Plan Pd {$0.00}, Patient owes {$0.00} XX/XX/XXXX {$59.00}, {$50.00}, XXXX, {$0.00} EOB Amt Billed {$79.00} XX/XX/XXXX Plan Discount {$54.00}, Allowed AmXXXX {$25.00}, Deductible {$25.00}, Patient owes {$25.00} XX/XX/XXXX Plan Discount {$54.00} Allowed Amt {$25.00}, Your Plan Paid {$25.00}, Deductible {$0.00}, Patient owes {$0.00} Paid XXXX XXXX check XXXX {$25.00} XX/XX/XXXX XXXX - {$720.00} TOTAL AMOUNT BILLED XX/XX/XXXX XXXX XXXX EOB Total Plan Discount {$660.00}, Total Allowed Amt {$62.00}, Total Deductible {$53.00}, Total Plan Paid {$9.00}, Total Patient Owes {$53.00} Paid XXXX XXXX XX/XX/XXXX check XXXX {$53.00} I would appreciate a prompt response showing evidence that I am responsible for this debt, notice of debt cancellation, and/or reimbursement for the {$25.00} overpayment.

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