BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-23
Company: Chime Financial Inc
State: AR
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:
At approx XXXX and XXXX, I was notified via push notification that 2 transactions had been competed in my account for {$190.00} and {$15.00} respectively. I immediately called my bank ( chime ) and was told by their dispute department that there is absolutely nothing that can be done until the transactions actually clear my account and at that point I can file a dispute and after the investigation, I may or may not get my money back. 

I said I thought it would be easier while a transaction is pending so noone loses money and although they agreed it would be easier, continued to tell me that's the best they can do and to call back once the transaction successfully clears and I've officially lost money. 

My account is currently negative the amount of these fraudulent transactions. 

I've tried to speak with several people but noone tries to help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: OneMain Finance Corporation
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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:
OneMain Financial reported my payments as late to the credit bureaus on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I was not late because I made a payment within 30 days. I called and spoke to someone at OneMain and they informed me that my payment was late from XXXX, but my loan was under modification from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
3 transactions were made on my Walmart credit card for {$500.00} for each transaction and all 3 were made on XX/XX/2022. I called Capitol One, which is the bank associated with the Walmart credit card, to report that I did not make these purchases. I am the only account holder on this account. Capitol One informed me they would investigate my claim and issue me a new card. They did this, however, they sent me a letter on XXXX XXXX stating they couldn't find any evidence of fraud and I will be responsible for the charges. I absolutely did not make these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed a ton of problems on my credit report after my XXXX XXXXXXXX account notified me that my information was on the black market I checked my credit report and I have not tried using my Credit for inquirys at all recently And there are a ton of inquiries recently on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
Company: EOS Holdings, 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: Account status incorrect

Complaint:
I am filling a complaint against EOS CCA debt collector for my XXXX account. I contacted EOS CCA on XX/XX/22. The full balance of the account was {$1300.00}. I was granted a settlement to pay 60 % of the balance. I paid {$820.00}. I was provided a confirmation number XXXX. I received an account settled in full letter on XX/XX/22 from EOS CCA. The letter indicated that I paid the amount agreed to settle the account and their records show a {$0.00} balance. They have reported to all 3 credit bureaus that I have a XXXX balance. I requested for the debt to be removed and deleted, since the account has been paid. I spoke with XXXX a supervisor with EOS CCA. They are unwilling to remove/delete the balances from credit reports after the debt has been paid. I'm relocating to GA and trying to purchase a home. EOS CCA collection item on my credit report has been paid and should be removed from my credit report. I have requested other debt to be removed from my credit report once it was paid. Within 30days those items were removed. Due to the debt still showing on my credit report, it is causing injury to myself and my family. Even though it shows paid and I have a settlement letter, it still appears as a collection. This appears unfavorable. I feel my rights are being violated. This is a unfair practice and is negatively impacting me. I would like this reported and be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: National Recovery Solutions, LLC
State: KY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The debt collection company called an ex-distant relative and told them I had a student loan debt in colllections and told them the exact amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: GA
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 #, 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 2022-06-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I made a purchase through my XXXX with XXXX which automatically takes the funds from my checking account held at Citizens Bank. This transaction was refunded the same day by XXXX and the funds were then automatically sent from XXXX back to my Citizens Bank checking account ( XXXX XXXX XXXX XXXX in the amount of XXXX. This all occurred on XX/XX/2022. The funds have not been put into my Citizens Bank account although XXXX has provided me a confirmation number and I have evidence of the transactions. I have called Citizens Bank who can only file a claim and refuse to allow me to send them my documents regarding the transactions. I really need this money and they arent helping me get this taken care of properly or quickly. This is causing my account to be overdrafted and I really need the funds. Please help me get Citizens Bank to put my money into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 XXXXXXXX ACCOUNTS 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My mom passed away in XXXX. She owned a rental property in CA. I sold the property on XX/XX/2022 and paid off the loan, but the bank charged me an extra payment and will not allow me to get any information since my name is not on the mortgage. I explained to them that I am the executor of the trust and that I have POA. I have been handling all my parents matters since they have been incapacitated about 3 years ago. I have provided letters from doctors, trust documents, death certificated, etc. The mortgage department says they do not have the paperwork. I explained to them that the branch I frequent does, but they claim that is a different department. I told them that is not my problem since it is the same company. That they should communicated and make the matter easy for the customer. They transferred me again to another department. They said they will overnight a letter asking for more documents. That was Tuesday a week ago - no letter. I called again today and have been transferred to another department. 

How is it illegal for them to discuss an account that they know I have been making payments on for years? If it is illegal to talk to me then it is illegal for them to accept my money! This was a {$1000.00} dispute but I have spent many hours trying to get information and need to be compensated for my wasted time as well as the undue 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 2022-06-23
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I do not work for XXXX XXXX anymore this information should be removed from my credit report immediately! I work at XXXX XXXX in XXXX, Kansas now! I do not work for XXXX XXXX anymore!!!

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 2021-08-03
Company: Experian Information Solutions Inc.
State: CT
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:
I am currently experiencing a problem with my credit report which involves my report being delinquent with late payments.I WANT SUCH LATE PAYMENTS TO BE REMOVED FROM MY ACCOUNT IMMEDIATELY AND PERMANENTLY. 

XXXX XXXX XXXX AND 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 2022-06-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I went to the dealership I just turned XXXX, I had a XXXX XXXX  XXXX, that I was trading as well as XXXX bucks as a down payment, and I had a co signer : ) all went well, I signed the papers had a monthly payment, I moved, I got a job, waited 2 months never got a first payment? I was waiting, they called me said that I need to bring the car back because they werent able to secure the loan or they are going to call it in as stolen. I brought the car back that same weekend. It took them XXXX months to send the XXXX dollars back, and but it is now XXXX almost, and I havent received the car I traded in back, i have talked to managers. Ive talked to the owner of the dealership, the financial guy, the car sales man. They said they had my car, I went up there to get my car 4 months later since giving the car back. Drove XXXX miles, and I called them and let them know I was in town to get the car, they said we need to find the car and we will give you a call back, I never got a call back. Never a text. They didnt reach out again. I looked at my credit report. They shot my credit report out and did XXXX inquires on my credit. They shotgunned it and made it XXXX near impossible to get anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Forever 21/Comenity Bank sent me an email bill that I missed because I wasn't expecting email statements so I was late on my payment. I am never late and have excellent credit. I called on XX/XX/2022 and spoke with a representative asking that the late fee ( {$29.00} ) be waived and she said it would be. I asked for my adjusted balance so I could pay it in full, and I did. Since I thought the card was paid off, I didn't notice that ONLY 1/2 of the late fee was waived ( {$15.00} ) and I still had a balance and it was accruing interest, unbeknownst to me. The fact that only 1/2 of the late fee was waived was not CLEARLY explained in the phone conversation. In a follow-up call to Comenity/Forever 21 , they would not rectify this issue for me saying I had already used my one-time exemption. I understand you can only do this once but they DID NOT MAKE CLEAR that is was not for the full amount. I feel like they are using deceptive practices to let me believe I received a full late fee credit/waiver. I was also put on long holds and had to restart the call 4 times to get nowhere. Plus this call center is not in the US and the phone service was horrible. Do not deal with this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-04
Company: CREDIT ACCEPTANCE CORPORATION
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I purchased a car and used credit acceptance as the lender. This car was a piece of junk and has never worked. I tried to work something out with the dealer and the lender. The lender gave me some astronomical rate and the car dealership sold me the car with false hopes of a good working car. I knew the rate would be high but they totally took advantage of me. 

The car has been reporting 120 days late since XXXX of 2019. This is not true. This car is a piece of XXXX that they wouldn't even come get, as it's worth absolutely nothing. The lender or dealer hid a bunch of fees in this loan as well. This account, at this rate, will NEVER disappear from my credit report. I'm not for sure what else to do. I have sent them numerous letters and disputed this with the credit bureaus. Each time they just keep saying the information is accurate, which it is not. They are refusing to make this right. 

This is affecting me mentally and financially. I can not do anything with this on my credit report. they refuse to send me the info about the car, they refuse to do anything at this point.

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 2022-06-23
Company: TD BANK US HOLDING COMPANY
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-23
Company: EQUIFAX, 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:
I have a XXXX XXXX overdraft line. Recently I received a report from the credit bureaus that XXXX XXXX reported me late to the credit bureaus. When I login to the XXXXXXXX XXXX  online banking platform, the bank is clearly communicating there is NO balance due ( See attached screenshot ). It was only because of my son, however, that we were able to figure out that if I click " Pay Now '' ( again, the balance and everything on that page gave no indication a balance was due ) I could then see that there was an absolutely minuscule {$6.00} balance of interest that had to be paid. No mail was sent to me alerting me of this past due balance, either by paper mail, email or phone call. The only attempt that I saw come through was lodged in my spam folder from a XXXX XXXX on the XXXX day of being late. Here is the message : " Hello XXXX, I hoping to speak with you. Could you please call me back at XXXX or at the Main Number XXXX? Thank you. '' This message does not convey any urgency, nor does it say I should contact XXXX XXXX to avoid any negative credit reporting. It could be a marketing request for all I know.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Your company has taken no steps in accordance with the FCRA and FTC to properly address this matter. So now I am asking you in request for your proof of authority that your agency has to furnish this information on a credit report in accordance to FCRA Regulations. You are now in willful negligence and willful noncompliance of the FCRA and violating my federally protected rights. Please make note that I am aware that consumer reporting agencies can only furnish information on a consumer report under the following conditions and no other pursuant 15 U.S. Code 1681b ( a ) ( 1 ) ( 2 ). 
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 2022-06-23
Company: Experian Information Solutions Inc.
State: PA
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:
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 2022-08-22
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-06-23
Company: Experian Information Solutions Inc.
State: KS
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:
I wrote a dispute letter to Experian and made several disputes online stating that they are showing incorrect information regarding ( XXXX XXXX  ) account. According to their report, they are stating that I've been late for three months which is false. They can't even tell me how much money was owed or anything. I have shown them proof that I did make the payments on time and proof of a check that XXXX XXXX issued me because they overcharged me. To top it off, they made the check to the wrong name and they had to reissue me a new check with my correct name.

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 2021-08-03
Company: EQUIFAX, 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:
XX/XX/2016 {$400.00} Account # XXXX I have placed a fraud alert on my credit as well as filed identity theft. This account was not done by me. Please remove this from my credit report.

Company response to consumer: Closed with explanation