BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-24
Company: Chime Financial Inc
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
A transaction in the amount of {$290.00} on XXXX from XXXX was drafted from my account. I did not authorize the transaction but I didnt realize it was there for a while. Upon reaching out to chime bank they just closed my card and closed the dispute. They said to prevent more fraud they cancelled it but wont even let me dispute the charge. They know it was unauthorized I do not spend money there at XXXX. I called XXXX and they know it is not paid For any account with my name. I ask you to please do something about this abusive company. They have so many problems with paying me on time and having computer issues its amazing they are allowed to operate. Please make them refund this fraudulent charge. I XXXX XXXX did not authorize this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX has incorrect information on my credit report and according to FCRA, I have the right to an accurate credit report. 
The report says I opened account in XX/XX/2022 and made zero payments and XXXX payment amount and term was for one month. I never opened an account in XXXX or would agree to one month payment. The amount states {$2200.00}. 

Also same account XXXX XXXX, collection agency violated the FCRA : Debt collectors are not allowed to call friends or family members and discuss account. 

XXXX XXXX violated this 3 times by calling a family member discussing my account and asked them to pay {$1300.00}. 

Each violation is a fine of {$1000.00} and they have violated it 3 times.

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 2022-12-23
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a cancellation notice from my homeowners insurance co, XXXX XXXX that the homeowners policy which was due by XX/XX/2020 was not paid and was being terminated. 

I attempted to contact Citizens One Home Loans, at two different numbers : XXXX for regular loan questions, and XXXX for collections. At neither phone number was a rep available to discuss this issue. 

I have left call back messages and secure messages, and no one is responding back to me. That escrow account has a high balance, enough to pay the insurance back in XXXX, and the taxes at the end the year. 

This is fraudulent activity on the part of Citizens One Home Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: LA
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 submitted several letters to all 3 credit bureaus- Equifax XXXX XXXX XXXX and XXXX disputing this Account with ( XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account.

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE.

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account.

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and CREDIT ACCEPTANCE. I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Terms during covid went to simple compunded daily interest with little to no notification or explanation. It was essentially raking advantage of their customers during the deferment periods as stated in the terms. 

I want the interest forgiven and applied to my principal balance on my Truist ( previously 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 2022-12-23
Company: EQUIFAX, INC.
State: SC
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Trans Union Credit Reporting Agency shared my credit information with the following companies without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, SD XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Services XXXX XXXX XXXX XXXX, DE XXXX XXXX Inquiry Date : XX/XX/XXXX and XX/XX/XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX  XXXX New XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, DE XXXX XXXX Inquiry Date : XX/XX/XXXX I am requesting that Trans Union remove these inquiries immediately from my credit report and provide a copy of my credit report showing that the error has been corrected.

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 2022-08-03
Company: Colony Brands, Inc.
State: NM
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022 I noticed a big change on my credit score via the XXXX XXXX. A fraudulent account had been opened under my name and social security number for the credit issuer " XXXX XXXX '' the account # is XXXX. A XXXX XXXX purchase was made with it and it is currently over 60 days past due. I never placed any order nor did I open the account sign or date. I made contact with XXXX XXXX ( Loss & Prevention ) for XXXX XXXX via phone at XXXX to dispute the account and they have now marked the account as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I SUBMITTED MY DISPUTE TO ALL THREE CREDIT BUREAUS BY MAIL LAST MONTH AND I STILL HAVE NOT RECIEVED AN RESPONSE REGARDING MY ISSUES WITH TWO ACCOUNTS. I WOULD LIKE TO SEE IF THE CFPB CAN SEE WHAT THE PROBLEM IS AND MAKE THEM PROCESS MY PAPERWORK BECAUSE I'M TRYING TO BUY A NEW HOUSE. ATTACHED IS A COPY OF EVERYTHING I SENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received my investigation back and you stated you completed a fair investigation and these accounts are 100 % accurate. 

But can you please answer this one question. How did you investigate these accounts? Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you supposed to investigative my consumer report Did you interview my neighbors? 

Did you interview my friends? 

How did you talk to? 

One more thing can you please tell me how everything is accurate since these accounts date open, date last active not reporting the same Information. 
You have violated multiple laws below : 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i I demand you delete the accounts from my credit report, listed below : CAPITAL ONE AUTO FINANCE XXXXXXXX CAPITAL ONE AUTO FINANCE XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
THIS INQUIRY HAS BEEN OPENED FRAUDULENTLY WITHOUT MY AUTHORIZATION AND NEEDS TO BE REMOVED IMMEDIATELY. THIS IS NOT AN OPEN ACCOUNT AND DID NOT HAVE MY AUTHORIZATION. THIS INQUIRY HAS BEEN REMOVED FROM OTHER BUREAUS BECAUSE THEY IDENTIFIED IT HAS BEEN A FRAUD. SO I WOULD LIKE THIS REMOVED FROM MY REPORT. THANK YOU * INQUIRY - XXXX XXXX Bank XXXX XXXX XX/XX/2022 *

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 2022-10-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a bankruptcy reporting to my experian credit report. The bankruptcy is not showing on XXXX or XXXX. My name is also spelled wrong with the bankruptcy reporting to my credit report I have also reached out to the courts filed disputes and reached out to XXXX XXXX  they also are stating I do not have any public records.

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 2022-03-29
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX XXXX, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 None of the accounts were deleted from my account and are affecting my financial situation.

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 2022-08-03
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
CFPB I am so frustrated!!! I really need your help against this giant servicer. 

Well Im sad to report that BSI Financial cant get our escrow payments right to our insurance company. We have to call every year for last three years to fix. They only pay one of the three policies each year. I have spent well over 20 hours ( countless emails and calls ) of my personal time and these people dont care!

Most recently I dealt with a BSI employee named XXXX XXXX an XXXX  transaction management person who apologized, gave me the same old excuses, and made the same empty promises. 

Loan # 1 on University : For the third year running BSI 's insurance department has screwed up the payment to my insurance company even though every year I was promised it wouldnt happen the next year and once again this has occurred. I have a tremendous amount of my valuable time ( {$240.00} hour ) getting these issues straightened out. 

Loan # 2 on XXXX I just received notice on this property I have with BSI, the second of three loans, where are their firm once again 3 years running did not pay the insurance. I have had to call every three years once again because your company cant get their act together on paying our insurance. This is a two-unit property with 4 insurance policies on it. There are 2 flood and 2 fire insurance policies on it.

Loan 3 : I also have one more loan that I am not sure if they have messed up lately.

At this point I really need my three loans sold out from underneath the BSI financial services umbrella.

These people are breaking the trust we put in them to manage our very large investments our properties. Can you make them transfer us to another servicer? 

I look forward to hearing back from you as soon as possible. 




Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: TN
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. The account is unknown to me and I have doubts in their accuracy and the reported payment history on the account is mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

DPT EDXXXX 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 2022-08-03
Company: EQUIFAX, INC.
State: TN
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. The account is unknown to me and I have doubts in their accuracy and the reported payment history on the account is mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

DPT EDXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: Mercedes Benz Financial Services
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I leased a vehicle through Mercedes Benz Financial on XX/XX/2019 with an initial balance of {$62000.00}. I was making regular payments on it, but my ex-husband left me, and I lost 50 % of my income. I could no longer afford the vehicle, so instead of just not making payments or waiting for it to be repossessed, I voluntarily surrendered it. I knew this would negatively impact my credit score, but I thought it was the most ethical thing to do. I returned the vehicle in mint condition on XX/XX/2019, and I had only had it for 4 months. Mercedes Benz Financial quickly sold the vehicle, but they began sending me letters to pay the full lease balance with penalties. They started harassing me, calling me late at night, and early in the morning. They were sending letters to my job as well as my house. Whenever I would block the number, they would come up with another number, and I just keep having to block them. Currently, I have over 65 blocked numbers from them, and it just keeps going and going. This routinely disrupts meetings, my sleep, and other important events. I work two full-time jobs and often work overnight, so I am typically sleeping when they call. This wakes me up, and I can not go back to sleep. It has become overwhelming and oppressive. 

I have contacted MB Financial and have filed multiple disputes through the credit reporting agencies, but they always aggressively respond that the balance is valid. This is not correct because I voluntarily surrendered the vehicle, and according to the lease terms, they were supposed to apply the money they received from the sale of the vehicle to the balance based on current market value. Instead, they charged me for the full remaining payments on the lease plus penalty. They did not apply any money from the sale of the vehicle. This is really hurting my credit, and I have no options at this point other than filing a complaint through your agency. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Transunion dropped my credit score 88 points due to a bankruptcy that I filed in XXXX. This was known to them for years. I discovered this on XXXX XXXX XXXX. 2 days later XXXX  does the same. This is unfair as this info is not new info. I have attempted several times to call Transunion on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to speak to a live person. I want a complaint filed. I want my credit scores corrected asap. I want a monetary settlement of some sort.

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