BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-05
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX I received an email from Wells Fargo that there was fraud detection coming from my checking account. I checked, and saw that there were 8 transactions equating to {$630.00}. They include : 1- {$10.00} ( XXXX XXXX ) 2- {$7.00} ( XXXX XXXX ) XXXX {$46.00} ( XXXX  ) 4- {$120.00} ( XXXX ) 5- {$97.00} ( XXXX ) 6- {$20.00} ( XXXX XXXX ) 7- {$64.00} ( XXXX XXXX XXXX ) 8- {$260.00} ( XXXX  ) As soon as I saw these transactions were pending, which werent made by me, I immediately called the freud detection number provided on the email. The guy had me read out all of the amounts to him so he could file a claim, he deactivated my card, and said he was going to ship a new card to me. On XX/XX/XXXX, XXXX of the transactions got approved ( the XXXX, XXXX, and XXXX ). Because of this, I called the bank again and asked why they got approved if my card was deactivated and they gave me {$64.00} back onto my account as card provision. The rest of the 6 amounts were under investigation. I then called the bank on XXXX  and asked for a status on my claim, and they said it was closed, yet they never sent an email or any notification. I asked why it was closed and if I would get my money back and they said my claim was denied. I went back and looked and saw that the one single purchase of {$7.00} at the pod market was actually me, but I wasnt aware that it got added to the claim, so because my card was chipped, accepted, and was in the hands of me when all of these transactions occurred, the bank denied my claim request because they said that I made a mistake of putting one of my actual purchases on the claim. While I do accept responsibility for mistakenly adding that purchase to the claim due to the fact that I was reading off all of the pending purchases to the man on the phone, this happening to be one of the pending purchase, I do not feel as though my entire claim should be denied, and that I should lose all of that money that was not spend by me. If they went in and investigated all of the other 7 transactions they would see that none of them were made by me.

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 monetary relief
Consumer complaint received 2023-09-17
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
In XX/XX/XXXX, I was in the market for a used truck for my daughter. I went to XXXX 's XXXX  in XXXX XXXX, MD and wanted to purchase a XXXX XXXX XXXX. The blue book value of the vehicle was {$16000.00}. At the time, her nor I had alot of debt. My credit score was over XXXX and hers was as well due to her being a college student. I was told by the dealership that the vehicle would be {$22000.00}. However, the principal balance on the online account is showing as {$28000.00}. This would mean I was charged an additional {$12000.00} over what the value of the car was. Also, I was looking through my paperwork and noticed that I was never given a Bill of Sale for the vehicle. I reached out to the dealership and have not received a response after several attempts. 

I was fired from my employer XX/XX/XXXX and I fell behind on payments. I called XXXX XXXX and they told me there was nothing they could do to work with me. 

Currently I am on a payment arrangement where I have been paying {$450.00} bi weekly. As of XX/XX/XXXX, I have made the following payments : XX/XX/XXXX, XXXX {$370.00} XX/XX/XXXX, XXXX {$450.00} XX/XX/XXXX, XXXX {$450.00} XX/XX/XXXX, XXXX {$450.00} XX/XX/XXXX, XXXX {$450.00} XX/XX/XXXX, XXXX {$450.00} XX/XX/XXXX, XXXX {$450.00} XX/XX/XXXX, XXXX {$450.00} XX/XX/XXXX, XXXX {$450.00} The total I have paid since XX/XX/XXXX is {$4000.00} however, XXXX XXXX is still reporting on my Credit Report that my account is XXXX to XXXX  days late. How is it being reported as such when they put me on this payment arrangement. Now when I go on my account, its not showing the balance due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have misinformation regarding collections on my credit report that i repeatedly said it was not mines and I have no knowledge of these its on XXXX XXXX XXXX XXXX XXXX and XXXX XXXX which had information on there I dont even know or ever possessed. I sent disputes letters several times and the last 3 by certified mail and according to the FCRA 15 us code 1681 68021681-c and especially 1692 g these accounts need to be removed and not constantly verified and updated. Its been 4 times this has happened and there was not a proper investigation with Experian

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 2023-10-20
Company: Dynamic Recovery Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received notice that I owed XXXX XXXX XXXX {$650.00} for a past due XXXX account. On the XX/XX/XXXX XXXX credit file I have of the account shows a partial acct of XXXX date opened XX/XX/XXXX, reported since XX/XX/XXXX. On the XX/XX/XXXX XXXX XXXX credit file I have of the account shows a partial acct of XXXX placed for collection XX/XX/XXXX. Both reports show the account as being disputed and with estimated removal dat of XX/XX/XXXX. 

I attempted to fax the creditor a Letter for Debt Settlement on XX/XX/XXXX but neither attempt was successful, copies will be included.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Informative Research
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XX/XX/2023 and Informative Research XX/XX/202. I never gave written consent for a credit inquiry. Remove hard inquiry from the 3 credit bureaus XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took the loan out from this company but was not aware the interest rate was 99.22 % I have already paid almost XXXX into this loan and this company is expecting me to pay them XXXX dollars I don't have this kind of money and I'm not gon na give them my car I need help with this please help..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Thaxton Investment Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
In XXXX of XXXX, someone fraudulently applied for and received a loan from Covington Credit using my information. I didn't find out about this until the middle of XXXX. I asked for and received an affidavit from Covington Credit to dispute the loan. I filled out the paperwork and took it to Covington  Credit after receiving it. I was told I could not use the paperwork because I wasn't supposed to sign it without a witness. I asked for another set of paperwork and it was supposedly sent on XX/XX/XXXX. It took me until XXXX to finally receive a new set of paperwork after repeated attempts since XXXX to get a new set. After finally receiving the paperwork, I mailed it back after I completed it except for needing to notarize one particular form, which was not clear to me because the way the form was presented seemed it needed **either** a police officer 's witnessed signature or notary 's signature, rather than both. They sent me a new copy of the form which I managed to have notarized the way they required, and sent that form back to them in midXXXX. I have not received any mail from Covington Credit since then, and the fraudulently-obtained loan remains on my credit. 

I request that CFPB investigate this - not only the fraud but the incompetence of Covington  Credit in getting it resolved. The final result I expect from Covington Credit is a letter stating that I am not responsible and the loan is removed from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Financiera Campeon, LLC dba Champion Equipment Finance
State: FL
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 pulled my credit and I noticed a fraudulent inquiry, that I did not approve of, nor consent to. The company that pulled my account is XXXX XXXX XXXX. I gave them no authorization or consent to pull my credit on XX/XX/23. I would like to have this removed, because they are violating my rights by law. I have contacted XXXX, and I have also contacted XXXX XXXX XXXX. I have received no response from neither. Please handle this matter as soon as possible. Please delete or remove this from my account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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

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 2023-10-12
Company: General Motors Financial Company, Inc.
State: NY
Product: Credit reporting 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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 180 days later I have not received a response yet I feel like Im being take advantage of and ignoredonmydisputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2023-10-10
Company: Experian Information Solutions Inc.
State: LA
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:
There's great concern regarding inaccurate information that has persistently appeared on my credit profile. I have diligently disputed these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) on more than three occasions. Despite my efforts and the clear violations of these laws, the concerns have been consistently ignored. This prolonged period of inaccurate information on my credit report has had a detrimental financial impact in my life.

It's worth noting that 15 U.S. Code 1681, which outlines Congressional findings and the statement of purpose, emphasizes the importance of accuracy and fairness in credit reporting. The intent of the law is to ensure that credit reporting agencies maintain the accuracy of consumer information. Furthermore, 15 U.S. Code 1681b mandates that credit reporting agencies must employ reasonable procedures to ensure the accuracy of the information they collect and report.

Pay attention that 15 US CODE 1681i stipulates that credit reporting agencies are obligated to delete inaccurate information from consumers ' credit reports. Furthermore, 15 US CODE 1681 emphasizes the importance of privacy in credit reporting, and 15 USC 1681s-2 explicitly prohibits the furnishing of inaccurate information related to a consumer if there is knowledge or reasonable cause to believe that the information is inaccurate. It is a federal crime to furnish and report multiple alledged debts. This is misleading and improper representation, this is a violation of 15 USC 1692e.

Additionally, 15 US CODE 1681e-b mandates that any collection or account information must be 100 % accurate across all credit reporting agencies. Please take immediate action to rectify these violations, remove the inaccurate information from credit report, and ensure that my rights as a consumer are upheld in accordance with these legal provisions.

*** Understand 15 U.S.C 1681 section 604 ensures her that you need written instructions, I have never gave written consent or oral consent 15 U.S. Code 1681a, last but not least you violated 15 U.S. Code 1681b - Permissible purposes of consumer reports.

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 2023-10-13
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I was charged over {$4700.00} for a truck motor as a down payment that I did not receive. XXXX XXXX XXXX XXXX stole my money and Chase Bank will do nothing about the fraudulent charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-06
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called my bank holder which is XXXX to report a problem about my credit journey. 

When i talked to one of the representatives she told me that in 2 days someones going to call me to assist me further with this problem. 
So what happen was, In my credit Journey page theres an unknown account from LVNV funding LLC with balance of {$2300.00}. 

I basically reported a credit card fraud last year and i think this one is connected to the other credit card thats been investigated and closed. 

Ive been living in NY since i moved to XXXX and i believe this was registered in California as the other fraud credit cards are. 

I dont have credit cards and i was really disappointed that this is happening to me. 

I want to build score so i can have a credit card but if this kind of fraud keeps happening it will be impossible for me to do so. 


Id be happy if you can help me with this problem. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Block, Inc.
State: TX
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:
XXXX XXXX XXXX took XXXX $ from my account for services they didnt do. I requested a refund and waited almost 2 weeks for them to text me and say the refund request was denied and its between me and my bank now. I also disputed the claim with cash app and they gave me the XXXX $ back but now they reversed it and said the claim was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, 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 recently requested the credit bureaus to do a verification of all items reporting for accuracy. They completed the investigation and stated the information was accurate. I decided to do a thorough research myself and found improper inaccuracies on the report after their investigation. 
In accordance with the fair credit reporting act these creditors or creditor has violated my rights under 15 U.S.C. 1681a sec 603 15 U. S. C 1681 sec 602 A. States I have the right to privacy 15 U.S.C 1681 sec 604 A sec 2. States a consumer reporting agency can not furnish an account without written instruction Accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 explanation
Consumer complaint received 2023-07-26
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:
Request for XXXX please. the inquiries that I did not authorized are in the letter already. please review

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 2022-12-04
Company: Synovus Bank
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
My First Progress card was stolen. I reported it to the company and asked them to prevent reverse the fraudulent charges on the account and prevent further fraudulent charges. From what I can tell, they issued a second credit card and allowed fraudulent charges on that and kept two accounts running then failed to post payments to either account. 

Because of this, I was assessed a late fee and now have a balance of {$520.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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