BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-15
Company: Porsche Financial Services, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On Monday, XX/XX/2023, I applied for a loan with Porsche XXXX, XXXX XXXX. Trustee XXXX XXXX, accepted my credit agreement. On Tuesday, XX/XX/XXXX, I received a email stating the bank turned me down after accepting my credit agreement. I asked to speak to the underwriter and he failed to provide me with the contact information. On Wednesday XX/XX/XXXX, I spoke to the Finance Manager XXXX  XXXX and explained they violated to contract and also violated my right to contract. ACTIVITIES CONSTITUTING DISCRIMINATION It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction- 12 CFR Part 1003, Supp. I, 1003.4, cmt. 4 ( a ) ( 8 ) -4 ( financial institutions report Code 3, Application denied, [ i ] f an institution issues a loan approval subject to the applicants meeting underwriting conditions ( other than customary loan commitment or loan-closing conditions, such as a clear-title requirement or an acceptable property survey ) and the applicant does not meet them ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Experian Information Solutions 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: 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 719XXXX 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 heck 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 us 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 XXXXThis 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 year old 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 2023-02-08
Company: EQUIFAX, INC.
State: TX
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-03-03
Company: U.S. BANCORP
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I made a PURCHASE of {$750.00} at XXXX using my DEBIT CARD and PIN. However, the purchase was canceled right away and the merchant ( XXXX ) informed that the funds will go back into my account. On XX/XX/XXXX, I filed a merchant dispute and it was denied. I called and asked why it was denied and nobody could give an answer. On XX/XX/XXXX, I refilled the dispute and explained that my purchase with XXXX was canceled by XXXX but they never refunded my funds back to my account. US Bank denied my claim and refused to tell me the reason why. Because it's within my right as a customer to request information, I formally requested that they send me the INFORMATION based on which they made their decision to denied my merchant dispute. However, they never provided me with the information. As of today XX/XX/, I have not received the documents or information US bank used in the investigation.

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 2022-08-19
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: 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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 Transunion. 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 Transunion more than 21 times. transunion 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 year old 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 2021-08-02
Company: American Coradius International LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I sent AMERICAN CORADIUS INTERNATIONAL LLC a cease and desist with a debt validation letter attached on XX/XX/21 after I received several phone calls and voicemails from their agents on XX/XX/21 and XX/XX/21. The letters were sent certified mail with green receipt number XXXX XXXX XXXX XXXX XXXX. The green receipt was sent back to my location on XX/XX/21 and it shows that it was received by an individual with an illegible signature on XX/XX/21. In my cease-and-desist order I demanded that AMERICAN CORADIUS INTERNATIONAL, LLC respond to my debt validation letter and cease all collections of the alleged debt until I can validate it. It has been 27 days and I still haven't received a written response from AMERICAN CORADIUS INTERNATIONAL, LLC. Due to no response, I have not been able to exercise my right in validating the alleged debt. AMERICAN CORADIUS INTERNATIONAL, LLC is in violation of Federal law. Pursuant to 15 USC 1692g ( a ) I was supposed to receive a written notice within 5 days of initial communication. AMERICAN CORADIUS INTERNATIONAL, LLC has failed to comply with this statute. My privacy has also been infringed upon due to numerous individuals communicating with me on behalf of AMERICAN CORADIUS INTERNATIONAL LLC, they are uninterested parties in this matter who do not have my consent to contact me. Furthermore, I am not sure how AMERICAN CORADIUS INTERNATIONAL LLC received my private information or who gave them written or oral consent to contact me otherwise I will need contractual proof. AMERICAN CORADIUS INTERNATIONAL LLC, is liable of committing identity theft, fraud, and defamation of character both libel/slanders. I need this matter resolved immediately. Please respond in writing so that I can resolve this matter and reclaim my worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 DO NOT RECOGNIZE ANY OF THESE ACCOUNTS OR ADDRESSES NOR DID I AUTHORIZE THEM AND I CALLED THE CREDIT AGENCIES AND THEY DID NOTHING!!!!! I MADE A POLICE REPORT TOO. 

XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-08-19
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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 719XXXX 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 heck 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 us 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 year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/2022 and XX/XX/2022 Disputed amount : {$130.00} USD XX/XX/2022 at XXXX XXXX  PDT You appealed the outcome of this case by providing the following additional info. 

Everything I did was over the phone. I have no document I can upload. I called XXXX back in XXXX or XXXX to have my services canceled due to their ties with XXXX. It was all over the news that XXXX could use XXXX to cause damage to the US network. When I saw I was charged again for the services, I called XXXX and they were no help, and said I had to call XXXX. When I called them, they were also no help, but said they were unable to find any account. Neither company XXXX or XXXX is willing or able to help resolve this issue. I do not have the software installed, I am unable to even download said software because I have no account. If is matter is not resolved I will take the action further to DFPI and FTC, and if I have to I will also file with the court. I called and had the services canceled and I bought XXXX for my services. It is not my fault they didn't do their job correctly. Not all companies allow customers to cancel with ease online. XXXX is a company that I was unable to find how to cancel online, so I had to call and cancel. I will not use a service that has ties with XXXX and could harm the US. 


XX/XX/2022 Spoke to the seller ( XXXX XXXX XXXX ), and the seller said they could not help I had to call another company ( XXXX at XXXX ). I called the other XXXX and they were unable to find my account in their system. I asked to speak with someone else, but they were unable to transfer me to speak to anyone else. I canceled my account with them back in Late XXXX or early XXXX due to security concerns with XXXX having ties with XXXX. All Services have been deactivated on all my systems, and removed from all my systems.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-23
Company: GOLDEN 1 CREDIT UNION, THE
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have recently checked my credit report and the following account The Golden 1 Credit Union ( Account Number : XXXX ) ( Account Type : XXXX XXXX XXXX ) is reporting late for XX/XX/XXXX. Also this account has stopped reporting to XXXX. Please report to all XXXX Credit bureaus and report to XXXX all payments made on time including all dates from starting date of this account opening from XX/XX/XXXX- XX/XX/XXXX as current. I have never been late for this account. This is a violation pursuant to 15 U.S. Code 1666b ( a ) - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-06-21
Company: NIC, Inc.
State: MO
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:
The following complaint pertains to XXXX XXXX XXXX in XXXX MO. Below is the correspondences address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Every time I visit XXXX XXXX XXXX XXXX in XXXX MO XXXX XXXX receive a bill in the mail approximately three plus months after the receiving services. Once I receive the bill, the amount is immediately reported to a credit collection agency! 

In other words, once a bill is received in the mail, XXXX XXXX does not give me proper time to pay the amount, before its reported to a collection agency, where I receive a negative impact on my credit report. 

Most recently, I received a bill in the mail last week from XXXX XXXX XXXX XX/XX/XXXX, I pay the amount due, please see attached payment receipt. Today, XX/XX/XXXX, I receive a notice in the mail from Nemos Investigations and Collections for the amount I paid on XX/XX/XXXX directly to XXXX  XXXX, see below address : Nemos Investigations & Collections XXXX XXXX XXXX XXXX, AZ XXXX. 


This has been an on going problem for over a year, such that I have asked XXXX  XXXX to mail me bills immediately after I receive services, and, NOT TO WAIT THREE PLUS MONTHS! 

I have communicated to XXXX XXXX in the past the following : " Why even send me a bill if at the same time its sent XXXX XXXX is immediately reporting the amount to a Collections Agency, before I receive the bill in the mail, and, before I have an opportunity to pay it. ''

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
It has been 2 times in the last 4 months that my accounts with Wells Fargo has been comprised. The second time someone was able to get my debit card number and spent all my money. I filed a claim with Wells Fargo about the fraudulent transactions and filed a police report. Wells Fargo still does not want to help me because according to them those transactions are valid.

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 2022-07-27
Company: OneMain Finance Corporation
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Ive made multiple attempts and multiple times not receive any assistance by multiple associates including supervisors at local branch and customer service number. Not happy or with service received from my local branch where my account is located. ( The XXXX location ) The branch has giving me a hard time about my inquiries regarding my account and has been extremely rude, dismissive and not willing to assist me with my concern on multiple occasions. I spend several hours reaching out for assistance and continue to be transferred from one person to another to another over and over again and no result. I have a Daily interest loan with high interest rate. I am well aware of. My concern is Ive noticed my payment these past few month as been going more towards interest and less towards principal. Ive had this account for some time and made all payments as scheduled and never missed a payment. Over time with this account I should see more of the payment applied toward principal and less toward interest. That is not the case. At this point I feel I am being robbed and this account is not correct. Please look in to this matter and assistance me as soon as possible. I will look to escalate this matter to executive office. I hope to hear back from someone regarding this urgent matter. I do not want to speak with anyone from my local branch. 

I am completely dissatisfied with service Ive received up to this point and dont wish to do any further business with this OneMain financial and would not recommend or refer any to do so themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
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:
I have been trying to get these negative items investigated and removed off my credit report because I have no knowledge of these accounts. The credit bureaus Equifax, XXXX, XXXX have deleted the accounts which confirms that the information is incorrect. However they placed the items back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Scammed by fraudulent XXXX rep in XX/XX/2021 who used Zelle to transfer funds from my XXXX checking account in amount of {$990.00}. I sued Zelle in small claims court and won the judgement. Subsequently Zelle appealed and the judges verdict is pending. XXXX assumed no culpability.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Account #, 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 explanation