BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-30
Company: Continental Finance Company, LLC
State: MD
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I called Continental Finance card service On XX/XX/XXXX when I have discovered credit card fraud on my XXXX  card after I made a {$700.00} payment to pay down my debt on the card and XX/XX/XXXX. When I went to check on my account and payment information on Sunday the XXXX was when I realize that all of these out of town charges were found on my account. There is only one purchase ONLY that I made on my card that was on the XXXX to buy perfume for {$100.00}. I realize that when I checked my wallet that I lost the card from my possession. I have fraud charges from several states and holds on my account from an XXXX XXXX, a liquor store, and a XXXX  hold in on XX/XX/XXXX in place. The false charges were for XXXX for XXXX in XXXX XXXX XXXX XXXX XXXX for XXXX, XXXX XXXX XXXX in XXXX for XXXX, XXXX in XXXX for XXXX and another charge for something else for XXXX dollars. Charges were made on my card on XX/XX/XXXX, XXXX, XXXX, XXXX and the XXXX, I live in XXXX XXXX  and I am a partially XXXX XXXX XXXX XXXX XXXXn who does not use my card much and these charges are not mine. I know no one in any of these states and DO NOT eat at any places like these at ALL!. I want my money refunded back to my account because I paid XXXX dollars to reduce my debt on the card and then someone go and accessed my card. I did make a police report in the county where I live here in XXXX XXXX Maryland. All of these charges are from out of state where I have never been which is in California and Texas. They also sent me a replacement card that I have not activated until they return the fees that were taken from 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 explanation
Consumer complaint received 2022-10-30
Company: Experian Information Solutions Inc.
State: KY
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 of XXXX was unauthorized to make an inquiry on my credit, yet he fraudulently did so!

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 2022-10-31
Company: Checkr, Inc
State: FL
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 that should be on the report is missing

Complaint:
On XX/XX/2022 XXXX XXXX XXXXXXXX XXXX did a background check on me and it is showing on my background check license type : passenger, but I am the driver for this vehicle. I would like this to get resolved ASAP. This is regarding possible employment. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: Diversified Consultants, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I have been receiving calls for months from your Diversified Consultants Inc, only to be hung up on as soon as I answered. Someone finally spoke today, telling me he was calling on behalf of XXXX and wanted me to verify my personal information. I told him I have never had any business with XXXX of any kind, to which he replied that it was a business matter with XXXX and that he could n't tell me anymore without verifying my information. I refused to provide any of my information to a random person on the phone, and he ended the call. It was only after I got off the phone and looked up the organization online that I discovered it was a collection agency. I called back to complain and they claimed they were not required to disclose that they were a collection agency because I had not yet provided them with my personal information, such as the last XXXX digits of my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: LD Holdings Group, LLC
State: AK
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have an installment loan with Loan Depot. They do not send a monthly statement to inform me of how my payments are applied. When I view my account information on line there is no information as to the balance of the account after payments have been processed. In addition, the payment is auto drafted from my account on the XXXX of every month by Loan Depot ; however, they do not apply the payment until the XXXX of the month according to what they do post on line. 

I have tried to contact them and get passed around and no one will answer my questions. The last person I spoke to told me to call back and he would help me if no one else would. I left him a message and he did not return my call so I still do not know how much is left on my loan, how it is being applied, and why it is not processed when they take the funds from my account. I also do not understand why they do not send me a monthly statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: CA
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 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
The companies have provided me documentation regarding the accounts however Transunion hss refused to correct the inaccurate information that they are reporting dispite my supporting documentation from the creditors.

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 2016-10-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I notified Chase Bank that I was going through a divorce. My soon to be ex was on my checking account so that in an emergency he could pay bills. I was told I could not remove him from the checking without his consent. I asked how I could protect my money ( we had separate accounts, he had his own money at a different bank ). The branch manager advised me to move my money from my checking to my savings account to protect it, as my " ex '' was not on that savings account, and then she noted my account with regard to the situation. As expected, the " ex '' went to a Chase branch and requested a withdrawal of the money in my account. The bank gave him ALL of the money ( checking AND savings ). When I received an email notifying me that my account balance was below my limit, I was shocked and went immediately to the local branch. I was told that because I had overdraft service on my account, that I had no recourse and that the bank had done nothing wrong. The overdraft service, according to the Chase website, states that it will pay : Checks, Automatic Payments and Recurring debit card purchases. It also states that it will NOT cover everyday debit card transactions. My " ex '' did not have a debit card for the checking account. He simply walked in, and withdrew everything from the checking and savings. The bank did not contact me, and I assume did not verify that he was NOT a named person on my savings, which should NOT allow him the overdraft service. As the sole custodian of the savings, the overdraft service should have only been protecting me. If the bank knew that overdraft would enable him to receive all funds, they should have advised me when I requested their help in protecting my funds, and I would have asked that it be turned it off. Their website documentation does not state that the overdraft service includes withdrawals. It should n't include withdrawals. If someone has access, they should be required to transfer the funds in order to withdraw them. Please help me get my funds back from Chase Bank, who erred in agreeing to disburse them to my now ex-husband who was not eligible to receive them. Their documentation and communication to all is confusing and misleading to a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: EQUIFAX, INC.
State: NV
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:
Equifax had a data breach and I was one of the victims. 
So I have had all my accounts with them show delinquent which is incorrect. 
None of my accounts are delinquent and all have been paid to a XXXX balance. So all of my accounts needed to be corrected and show no late paymets as well as no balance is due on any of my accounts. All my accounts have a XXXX balance. 

In XXXX of XXXX, Equifax announced it experienced a data breach, which impacted the personal information of approximately XXXX XXXX people. A federal court approved a class action Settlement that resolves lawsuits brought by consumers after the data breach. Equifax denied any wrongdoing and no judgment or finding of wrongdoing was made. 

If you are a Class Member, the deadline to file Initial Claims Period claim ( s ) for free credit monitoring or up to {$120.00} cash payment and other cash reimbursement passed on XX/XX/XXXX. 

The Settlement is now effective. If you you requested a cash benefit during the Initial Claims Period, the amount you receive may be significantly reduced depending on how many valid claims are submitted by other class members. Based on the number of potentially valid claims that have been submitted to date, payments for time spent and alternative compensation of up to {$120.00} likely will be substantially lowered and will be distributed on a proportional basis if the Settlement becomes effective. Depending on the number of valid claims filed, the amount you receive may be a small percentage of your initial claim. 



Extended Claims Period Claims If you were impacted by the Equifax data breach, you may seek reimbursement for valid Out-of-Pocket losses or Time Spent ( excluding losses of money and time associated with freezing or unfreezing credit reports or purchasing credit monitoring or identity theft protection ) incurred during the Extended Claims Period if you have not received reimbursement for the claimed loss through other means. 

To be eligible, your claim for Out-of-Pocket Losses or Time Spent must occur between XX/XX/XXXX and XX/XX/XXXX ( the Extended Claims Period ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have XXXX personal loans with USAA Federal Savings Bank. XXXX of my loans I have had since XX/XX/XXXX. I have never missed a payment or have been late with a payment. On XX/XX/XXXX, USAA charged off my loan without any warning to me and for no specific reason. When I called USAA to discuss error they told me they 're able to charge off any loan they want at anytime. I did n't sign any contract for these terms. This has greatly effected my credit and USAA has even taken away certain features of their website from me because they claim I have an account unpaid through them. I have disputed this through XXXX and all they did was update status to say " never late '', but it still shows account charged off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: EQUIFAX, INC.
State: NV
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:
Equifax had a data breach and I was one of the victims. 
So I have had all my accounts with them show delinquent which is incorrect. 
None of my accounts are delinquent and all have been paid to a XXXX balance. So all of my accounts needed to be corrected and show no late paymets as well as no balance is due on any of my accounts. All my accounts have a ZERO balance. 

In XXXX of XXXX, Equifax announced it experienced a data breach, which impacted the personal information of approximately 147 million people. A federal court approved a class action Settlement that resolves lawsuits brought by consumers after the data breach. Equifax denied any wrongdoing and no judgment or finding of wrongdoing was made. 

If you are a XXXX XXXX, the deadline to file Initial Claims Period claim ( s ) for free credit monitoring or up to {$120.00} cash payment and other cash reimbursement passed on XX/XX/XXXX. 

The Settlement is now effective. If you you requested a cash benefit during the Initial Claims Period, the amount you receive may be significantly reduced depending on how many valid claims are submitted by other class members. Based on the number of potentially valid claims that have been submitted to date, payments for time spent and alternative compensation of up to {$120.00} likely will be substantially lowered and will be distributed on a proportional basis if the Settlement becomes effective. Depending on the number of valid claims filed, the amount you receive may be a small percentage of your initial claim. 



Extended Claims Period Claims If you were impacted by the Equifax data breach, you may seek reimbursement for valid Out-of-Pocket losses or Time Spent ( excluding losses of money and time associated with freezing or unfreezing credit reports or purchasing credit monitoring or identity theft protection ) incurred during the Extended Claims Period if you have not received reimbursement for the claimed loss through other means. 

To be eligible, your claim for Out-of-Pocket Losses or Time Spent must occur between XX/XX/XXXX and XX/XX/XXXX ( the Extended Claims Period ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: PA
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:
Please delete the following information permanently off from the Personal Information section : Attached is copy of my valid Pennsylvania drivers license of how my name has to appear on my credit file. My name is XXXX XXXX XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-31
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I applied for a loan at XXXX XXXX on XX/XX/XXXX for the purchase of a new XXXX XXXX XXXX. The advertised rate on the loan was 4.9 % for 84 months. 

When I received the approval back from Chrysler Capital, they only would allow the 4.9 % rate for 72 months. I reached out to several representatives from the company and they gave me the excuse that they are only an " indirect lender '' and that all decisions are made by the dealer. 

It is important to note that I was also shopping for a XXXX XXXX, and XXXX XXXX XXXX approved me for 4.9 % for 84 months. I explained this to Chrysler Capital when they tried to tell me that the approvals are based on several factors including " creditworthiness ''. It is important to note that I did report Chrysler Capital on a previous occasion for similar deceptive practices. I filed report # XXXX on XX/XX/XXXX with the CFPB. 

It is also important to note that because of their refusal to provide financing at the advertised rate, I needed to secure financing through my local credit union. As a result, the price I was required to pay for the vehicle was {$2000.00} higher because of missed rebates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: EQUIFAX, INC.
State: NV
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:
Equifax had a data breach and I was one of the victims. 
So I have had all my accounts with them show delinquent which is incorrect. 
None of my accounts are delinquent and all have been paid to a XXXX balance. So all of my accounts needed to be corrected and show no late paymets as well as no balance is due on any of my accounts. All my accounts have a XXXX  balance. 

In XXXX of XXXX, Equifax announced it experienced a data breach, which impacted the personal information of approximately 147 million people. A federal court approved a class action Settlement that resolves lawsuits brought by consumers after the data breach. Equifax denied any wrongdoing and no judgment or finding of wrongdoing was made. 

If you are a XXXX XXXX, the deadline to file Initial Claims Period claim ( s ) for free credit monitoring or up to {$120.00} cash payment and other cash reimbursement passed on XX/XX/XXXX. 

The S

ettlement is now effective. If you you requested a cash benefit during the Initial Claims Period, the amount you receive may be significantly reduced depending on how many valid claims are submitted by other class members. Based on the number of potentially valid claims that have been submitted to date, payments for time spent and alternative compensation of up to {$120.00} likely will be substantially lowered and will be distributed on a proportional basis if the Settlement becomes effective. Depending on the number of valid claims filed, the amount you receive may be a small percentage of your initial claim.

Extended Claims Period Claims If you were impacted by the Equifax data breach, you may seek reimbursement for valid Out-of-Pocket losses or Time Spent ( excluding losses of money and time associated with freezing or unfreezing credit reports or purchasing credit monitoring or identity theft protection ) incurred during the Extended Claims Period if you have not received reimbursement for the claimed loss through other means.

To be eligible, your claim for Out-of-Pocket Losses or Time Spent must occur between XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I deposited/ {$2800.00} cash at Chase XXXX branch ( XXXX XXXX XXXX, XXXX , NY XXXX ) ATM machine on XXXX/XXXX/2015 at around XXXX - XXXX. After I put in all my money bills in, the monitor showed that I deposited too many bills at one time, so the machine first spitted out my money back. When I about to go grab my cash back, the machine sucked all my money back in then the whole machine froze and not responding nor printed out any receipt. First, I waited in front of the ATM machine to see if it will return my money back. After waiting for about 10 min, I went into the bank and call for help. Chase bank sent a XXXX speaking lady to help me. Then this lady told me that this happen before that the machine could spit out the money in about 10 min, so the lady waited with me in front of the machine for about another 15 min. After the long wait, she sent me to the office and there was another customer service man helped me to place the phone call to Chase Claim department because, according to them, they are different department and they could n't do anything for me besides place a phone call to Chase phone line. I spoke with a lady on the phone line and she told me that she will go ahead to put a CREDIT DUE TO ATM DEPOSIT DISPUTE of {$2800.00} to my checking account and they will take care of everything. On XXXX/XXXX/2015, a credit was placed in my checking account. I trusted Chase bank because I 've been a customer with Chase for a long time. However, on XXXX/XXXX/2015, I checked my account statement online and found Chase posted a REVERSE CREDIT FOR ATM DEPOSIT DISPUTE of {$2800.00} to my checking account on XXXX/XXXX/2015, so I called Chase at XXXX right away and spoke with claim specialist XXXX at XXXX on XXXX/XXXX/2015, and found out the Chase could not locate extra cash on that ATM machine. I requested Chase to re-investigate my claim on XXXX/XXXX/2015. On XXXX/XXXX/2015 at XXXX, I went back to Chase bank XXXX XXXX XXXX XXXX, Flushing XXXX NY XXXX ) and request to get additional help in person. I spoke with Officer Relationship Banker XXXX XXXX regarding my case again, then the answer I got was the same which they will re-investigate this case. On XXXX/XXXX/2015 at XXXX, I called Chase at XXXX and spoke with their claim specialist Preftom regarding update of my claim. The answer for Chase 's 2nd investigation was the same which they could not locate the money and I will never be able to get my {$2800.00} back. I questioned Chase 1 ). what if the ATM machine did spit out my money back later then someone took it? 2 ). Did the investigation team check the surveillance camera ( there are at least 4 cameras in each corner ) to see if any one took my money after I left because I was instructed by their employee that they will take care of everything? 3 ) If I could speak to the investigation team directly? After all, their answer was NO and there is nothing they can do at this point.

Company response to consumer: Closed with monetary relief