BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-27
Company: LOBEL FINANCIAL CORPORATION
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: Personal information incorrect

Complaint:
Addresses that I have no association with has been added to my consumer report and Ive called serval of time to ask why and haven't gotten an answers. I even call credit furnisher and they gave me the run around to re contact the source of the companies that gave this false information XXXX XXXX XXXX XXXX Wrong address being reported on my reports XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Chime Financial Inc
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:
I have a checking account with Chime bank. On XX/XX/22, between XXXX XXXX I noticed XXXX unauthorized charges on my account at a XXXX XXXX gas station in XXXX, XXXX. The charges were as follows : {$120.00} at XXXX for diesel fuel, {$86.00} at XXXX XXXX for premium fuel, and {$120.00} for diesel fuel. I called Chime to dispute the charges immediately, using their 24/7 call center. I was told they would launch an investigation into the disputed charges. They informed me it could take up to 90 days to complete the investigation but discretionary funds ( totaled in the amount being disputed ) may be issued after 30 days if the investigation was not completed. 

Less than 24 hours later I received an email from Chime stating they had concluded their investigation and determined no error had occurred. When I challenged their ruling, they said I could submit supporting documents to rebut their decision. So I went to the XXXX in question to speak to XXXX XXXX. and obtained the XXXX receipts for these fraudulent charges. The XXXX  showed me a screen shot of the security footage to see if I recognized the people using my card info and I did not. I then went to the XXXX police department and filed a police report. I then forwarded the XXXX receipts and the police officers business card with the case number written on it to Chime as supporting documents on XX/XX/22. One day later, on XX/XX/22, they emailed me stating that my documents are insufficient and they stand by their original decision, then they closed the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: MI
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 to with the Fair Credit Reporting Act, the follow companies have violated my rights : XXXX XXXX XXXX Account Account # XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX, XXXX 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
Consumer complaint received 2022-08-23
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 .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 non-monetary relief
Consumer complaint received 2022-09-27
Company: AMERISAVE MORTGAGE CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
From my very first contact I told the associate with Amerisave Mortgage Company XXXX XXXX that I had no Money for down payment or closing costs. The seller was giving me a {$9000.00} credit for those expenses because I am the current XXXX tenant @ the house l am looking to buy. XXXX told me he would be able to get the loan closed with just my XXXX income. I later gained employment through a XXXXXXXX XXXX XXXX company. XXXX then told me that he would not be able to use my XXXX income and that the deal would look better if we included my income from my job. This was in XXXX. A few weeks went by the loan was approved the disclosures were sent to me stating an outrageous closing cost of around {$14000.00}. They approved I got ahold of XXXX asking why the costs were so high. I told him I would be unable to come up with so much for closing costs. I reminded XXXX of what I told him with our first interaction. He said they couldn't use the seller credits. He said he could use the credits if I were at my job long enough. I asked how long that would be. He said 6 months. He then suggested that I pay the seller {$1500.00} a month for 3 months in earnest money. The additional 3 months would have me employed long enough to satisfy the need of 6 months @ job, and the earnest money paid would allow the seller credits to be applied. I asked XXXX what would be needed to close as far as Money, and stipulations. XXXX said he would need 1, my most recent pay check stub. XXXX then got ahold of the seller to explain the situation and attempt to get him to agree as he did. The earnest money was paid. So XXXX came around, It took about 2 weeks for XXXX to finally get in contact with me. I uploaded my paystub as requested. As time went on stipulations were given that were not given when I started the process, such as discharge paperwork for a XXXX  XXXX XXXX I had been involved in more than 7 years ago which is shown as discharged on my credit report, & reason for not working prior to my current employer, which I explained on their company site it was due to being diagnosed with XXXX XXXX XXXX  XXXX and that I had begun XXXX XXXX. It seems as soon as I disclosed my medical conditions there were problems with me not getting enough hours at work. This whole process took almost a year. & I have not gotten any denial paperwork.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: HYUNDAI CAPITAL AMERICA
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
On XX/XX/XXXX I co-signed with my granddaughter on the lease of a XXXX XXXX XXXX. I was aske by the dealer, XXXX XXXX in XXXX, Az to co-sign with my granddaughter on the lease to get the best rate and payments. While applying in my granddaughters name for lease approval I only noted later that the dealer actually placed me as the lessee when the following issue arose. On XX/XX/XXXX my granddaughter took her vehicle to the local XXXX dealership XXXX of XXXX XXXX, NC. to work out payment arrangements on her car which we knew was considerably over the allowed mileage even after extended lease renewal. The salespersons at the dealership told my granddaughter they would take care of the lease turn-in and proceeded to sell her a new vehicle. They then reported her old vehicle as an abandoned leased vehicle somehow removing my granddaughter from the old lease and converting the lease to me as the leaseholder and coordinated the lease turn-in with Hyundai Motor Finance ( HMF ) /Hyundai Finance Company ( HFC )/ Hyundai Capital America ( HCA ) .With no contact with me the vehicle was processed by HMF/HFC/HCA with a value of {$6800.00} and I am told by HMF/HFC/HCA sold with a {$14000.00} balance due after penalties and fees . ( I could have and would have paid for the vehicle had I known it was being sold as it was worth {$6800.00} ). While HMF/HFC/HCA had been in contact with me the entirety of the lease term if there was any issue they indicated they couldnt contact me about the lease turn-in issue. They never bothered to simply ask my granddaughter how to contact me, neither the dealership nor the finance company. Or to just contact me with the email address they had been using for years. I found out about the whole process when I noted my credit score had dropped and could not figure out why. After several contacts with the HMF/HFC/HCA XXXX the dealer and finally two complaints with the XXXX I noted that HMF/HFC/HCA was reporting the issue as a leasing write-off and I dropped the active pursuit of resolution. I am now getting a new home mortgage and am being told that this reporting is having a negative effect on my credit score and thereby loan worthiness. Sure would appreciate your help with this issue. Thanks

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 2022-09-27
Company: WELLS FARGO & COMPANY
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : 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 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to XXXX  causing problems at my job & creating unwanted stress in my home life. The follow items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
The late payment information that the creditor is supplying to the CRA 's is causing stress & hardship due to the effects it's having on my credit report. Per Billing Error 15 U.S. Code 1666b, the creditor is illegally reporting the transaction on my consumer credit report & I demand to have the illegal late payment removed.

In addition, under 15 U.S. Code 1681b, there has been no written consent or permission to report this inaccurate information to my credit report, which accounts for grounds of removal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: American Credit Acceptance, LLC
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I bought a XXXX XXXX XXXX in XX/XX/XXXX from XXXX XXXX XXXX XXXX loan agreement was for 62 months. I am schedule to payoff that loan XX/XX/XXXX. I haven't missed any payments and I may have been late 1-2 but I don't recall ever been more 10 days late. I reached out to American Credit Acceptance because I notice the balance was incorrect and if I continue to make my regular payments it would not add up to the balance showing on my account. I was first told that my payoff date was incorrect although it clearly stated on their website the 62 months and XX/XX/XXXX was when the term should end. Then I was my installment did not matter because I wouldn't finish paying the loan off until maybe 10 months later because my loan is accruing a daily interest rate which might extend my loan longer than the 10 months. If I didn't pay off the loan by XXXX, I would have to sign some type of agreement to extend the loan. I have purchase quite a few cars in my life and I have never experience anything like this before and I have never had to pay 10 additional payments on any type of loan unless I request a payment extension and the payments are attached to the end of loan. I have not done this at all on this loan. I have also reached out to XXXX Auto to get a copy of the original sales agreement because they bought out XXXX XXXX XXXX several years ago and XXXX XXXX will not call me or respond back to my emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
In XX/XX/XXXX I disputed the account. In XX/XX/XXXX I have talked to Capital One Auto Finance dispute office. I have filed several disputes and received no response. 
I did not make any late payments and this company reported my Capital One Auto Finance report late since XX/XX/XXXX. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company is also not allowing me to exercise my experiences which is violating pursuant to 15 USC 1681a 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have NEVER given this company consent to my private personal information which is identity theft. This company does that have a contract signed by me for services with this company. Per FDCPA 1692c Sec 802, this company asking me to pay an alleged debt they are no party of is FRAUD.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Franklin Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have tried time and time again to contact this collection company, I could never get through to talk to someone to ask WHY this debt is still showing NOT PAID on ALL XXXX of my credit reports AFTER have paid you in full for this XXXX XXXX XXXX XXXX. I could never get through to talk to a customer service rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: AL
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:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to XXXX, causing problems at my job & creating unwanted stress in my home life. The follow items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XXXX XXXX has a ad for their Chase Rapid Rewards credit card on their booking site that states, when you purchase a flight you can get a {$200.00} statement credit. They show you the price of the flight you are booking minus {$200.00} using the credit. The details state you can use your newly issued credit card immediately for the purpose of booking this flight. Once approved you get a link that states you must use this link in order to book or you will have issues booking with the new card. I clicked that exact link because this is the only reason I applied for the card. The link takes you back to the exact booking page as if you never applied for a card. You are then left without a card number or a link. I called XXXX to ask where the disconnect was and they connected me to Chase. While I was on hold I did my own digging and found this is a known issue on southwests/chases behalf and a moderator on the southwest question forum has a solution that explains the issue is with the link you are provided and blames it on user error because the user is refreshing the page or clicking the back button too many times. I never did either. I spoke to the representative at Chase who told me all they could do was expedite the delivery of my card so I can use it. I explained how I felt this was deceptive because I only applied under the pretense that I would be able to use the card immediately as the website states and how it wasnt an issue with the link since this is a topic on the XXXX XXXX. Undoubtedly, the price of the flight will now go up between when I get the card and now. I now applied for a card I only applied for because they stated I could use it immediately and that was not true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
Company: EQUIFAX, 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 .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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15USC1681 Section 602 : States I have the right to Privacy. 15USC1681 Section 604A section 2 states : also reports that a consumer reporting agency can not furnish an account without my written authorization. Under 15USC166B ; A creditor may not treat a payment on an account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation