BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-30
Company: CNG HOLDINGS INC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Leased a new bed and a scratch n dent stove from XXXX " Lease to own/My Not Lease It '' I have paid well over twice the purchase price of the items.

They don't tell you that after 3 months that they automatically take your purchases out of lease to own and basically you start rented the items. No one tells you about this. So, you believe that one day that the payments will end and you will own the items. That's what they told me in the store! That this is a lease to own. Make the payments and at the end of a period of time you own the merchandise.

This is total FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit score dropped over 100+ points basically over a couple of days. There was, is no activity to justify this but illegal tampering with my credit scores to and credit my report. I believe someone has illegal tampered with my credit scores.I would like an investigation done and my credit scores to be 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 2022-10-12
Company: Nicholas Financial Inc.
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased a XXXX XXXX XXXX through Nicholas Financial in XXXX of XXXX. The term of the loan was 48 months. At the end of the 48 months, actually 52 months, I was told that I still owed over {$4200.00} for the vehicle. After several unanswered question, multiple complaints, and heated discussions Nicholas Financial repossessed the vehicle in XXXX of XXXX. They reported to the credit bureaus that I defaulted on the loan and still owed {$4200.00}. I attempted to contact them several times, with no success. I later found out that their XXXX office had permanently closed, and that they couldnt give me any answers because the office and paperwork was left in a mess. I then contacted the headquarters in Florida to discuss the charges at the end of the loan. The representative explained that it was for company forced insurance that they placed on the vehicle. I explained to her that I didnt need that because I had my own insurance on my car. Her response was that if my insurance company didnt continuously update them during renewal time then they would automatically force place the insurance, even though nothing about the policy had changed and there was no lapse in coverage. I asked her why wouldnt they just reach out to me to verify coverage, she didnt have an answer. I then asked for information about the insurance company and what kind of coverage it provided. She told me that it was an in house insurance company and that her computer couldnt give her any information about the actual insurance or policy itself. As I kept questioning her about the price, frequency, and decision to start the insurance without notifying me she became increasingly agitated and aggressive. She eventually hung up on me. I paid for 52 months on a 48 month loan, and they still repossessed the car. How are their actions legal? What can I do to get this removed from my credit report, other than pay them more money?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: Revenue Enterprises, LLC
State: KS
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I moved in 2014 & changed health insurance plans, was not forwarded or contacted by company about debt & have not been given any verification regarding debts I was informed insurance had covered

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received an email from Chime saying they had closed my checking, savings, and credit building accounts, giving me no reason and no explanation to what would happen to my money. When I called the automated message merely stated that my account had been closed and that I was not able to find assistance through them but to email XXXX so I did. They responded saying they couldnt tell me why it was closed and that I might only potentislly retain my moneys that was stored in my 3 accounts if I sent them my Id and proof of address and any other documents concerning load from the accounts. I did and they didnt respond ... I told them I was going to get legal with them and still nothing. Theyre email support team is 24/7

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: NJ
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXXXXXX 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 2022-03-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My Chase debit card account XXXX was hacked on XX/XX/XXXX and XXXX. I have {$120.00} limit to trigger a Chase alert on my account. All unauthorized charges made were over {$120.00}. Chase did not put any alerts on my account via text messages on XX/XX/XXXX or XXXX 2022. I have requested all alert messages for XXXX from my local branch in XXXX, Ca and from the Chase fraud protection dept. Response : no alert messages are available.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2018 {$3000.00} incorrect Miss payments also I try to settle with the company but failed on the issue I offer to paid {$1000.00} that I only can afford because hardship ... Capital One sent me to their legal team a third party try to settle agreement but the lawyer/ secretary pushing for more money I do not have ... this mark on my credit reporting and stopping me from getting a new job and also getting out of hardship ... it was on the first credit card and I was naive how credit car 's work and I had got into a car crash and that's when my problem started

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
In the month of XXXX, make 02 transfers to the United States from XXXX for the purchase of an agricultural tractor. On XX/XX/XXXX, make the 1st transfer in the amount of {$12000.00} US dollars and on XX/XX/XXXX, the amount of {$8000.00} US dollars directed to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX located in the state of Iowa ; However, the company never sent the tractor to XXXX, it was a scam and we immediately contacted our bank in XXXX to inform the CHASE BANK bank and my bank in XXXX requested a refund of funds on XX/XX/XXXX, sending all the necessary evidence and the format where we fill in the beneficiary information, account number and reason for the transaction ; However, CHASE BANK never proceeded with the return of funds, despite being told by my Peruvian bank that the account number does not coincide with the beneficiary indicated by the client, in this case my person. CHASE BANK only notified the beneficiary to authorize the return of funds and the beneficiary was only alerted and closed his account by withdrawing all the money on XX/XX/XXXX. The CHASE BANK at least had to withhold the money until they finish investigating and validating the tests, being they complicit in making the scam happen. The fraud number that the CHASE BANK gives us is the following : Fraud # XXXX & XXXX. We have called the bank many times but unfortunately they could never attend us because we did not have the social security number or account number in the CHASE BANK

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: CITIBANK, N.A.
State: CA
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:
SHELL CREDIT CARD WAS OPENED IN MY NAME WITH MY SSN, CLEAR CASE OF IDENTITY THEFT. I COULD NOT HAVE OPENED AN ACCOUNT WITH SHELL AS MY CREDIT SCORE WAS BELOW 500. 
I HAVE NEVER HAD A GAS CREDIT CARD IN MY ENTIRE LIFE. I AM A SENIOR CITIZEN ( XXXX yrs now ) AND I ONLY DRIVE A FEW MILES PER WEEK FOR GROCERIES AND XXXX   XXXX. 
I SHOULD NOT HAVE TO PAY FOR SOMEONE STEALING MY INFORMATION AND RUNNING UP A BILL. WOULD YOU? 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX SSN : 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 2022-10-12
Company: EQUIFAX, INC.
State: FL
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 was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
USBK COURT XXXX TEXAS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX showing 3 not mine or known to me filed the ftc please correct also sent to XXXX XXXX public records to be removed XXXX XXXX  XXXX XXXX, XXXX remove address not mine

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 2022-03-24
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
The financial Institution is - Synchrony. They offer a Credit Card Service for Retailers.

They hold your account hostage, and misrepresent their Services.

Their website states that payments will take 48 hours to process, however I made a payment on XXXX XXXX, that I am told, will not clear the account until XXXX XX/XX/2022. Nine Days, and the money has been taken from my bank account. The Web Site reflects that the Payment is Complete.

There are Pending Transactions, that have completed, and their are Pending Transactions that they have declined.

I am enclosing a screen shot of my account to allow the agency to fully see my frustration.

I do not know what exactly they will or will not charge me.

Below is a screen shot of my account online - I have charges that have completed that are duplicate in the Pending Transactions, each time a charge is declined it is also in the Pending Transactions.

This Financial Institution is a Mess!

( From My Online Account ) Pending Transactions These transactions have not posted yet. Once they post, you'll see more details. 

Sort by : XX/XX/XXXX XXXX XXXX XXXX XXXX {$2200.00} XX/XX/XXXX XXXXXXXX XXXX  XXXX {$91.00} XX/XX/XXXX XXXX XXXX & XXXX {$2200.00} XX/XX/XXXX XXXX XXXX & XXXX {$2200.00} XX/XX/XXXX XXXX XXXX & XXXX {$6800.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX & XXXX XXXX {$6800.00}

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 2017-02-13
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Memorandum of understanding : A response to Ditech 's Action XX/XX/2017 Dear Sir/Madam : In response, " Ditech '' letter stating my modification request is " denied, '' is acknowledged receipt. 
In reflection, I have this to say : Ditech failed to postulate with data what requested document/s that was requested that did not meet their " modification rubric/bench-marks. Also, failing to provide facts on the " Federal H.A.R.P program '' vs that of " the Ditech modification program and also the investor that owns your loan '' policy and premise for " denial '' in its self is predacious.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i have never opened any of these accounts. i have filed a Notarized identity theft affidavit and a police report to support my request.

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 2022-10-12
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was a victim of a scam used thru XXXX. I reported the issue to JP Morgan Chase and they are unwilling to help me. I have been going back and forth with them since XX/XX/2022. I have sent emails to the ceo and all personel in the executive office and was told " theres nothing we can do ''. I need a solution to get my money back. What actions can I take because this is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: OLIPHANT FINANCIAL, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I received a call from a person name XXXX refused to give last name. said she is with Oliphant Financial she called my job to the girl that answered the phone she was calling about a debt i have n't paid. Cashier came and found me said there is a XXXX on the phone that said I have a outstanding bill she needs to talk to me about. I picked up the phone a a lady said she was with Oliphant Financial and I ask what this is about and she said she needed my social and d.o.b ..i told her Im not giving it to her.She said I know your at work and the girl told her I ca n't get personal calls at work and she said she said it was important it was a legal matter. I ask her last name and she said i ca n't get it. I told her somebody calls me at my job and ask for my ss # and date of birth but wont tell me why or give me her last name. she hung up on me. I still have no idea why she called she did not give me any info .gave cashier more info than she gave me that I owe money on a bill .but told me unless I give her my ss # and d.o.b she wont give me information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We had major problems with our mortgage with Green Tree servicing related to unauthorized fee 's, inaccurate posting of payments and paying our property taxes late ( escrow account ) and charging us with the late fee, harassing me at work, and refusing to provide either monthly statements or online info our our account summary/balance. Unfortunately, a company with problems and numerous complaints can remain intact, and simply change their name. Now that they are Ditech, we are even more upset. I AM CONVINCED THEY ARE XXXX US OVER. We filed a chapter XXXX in 2012 ( we did not include our home/mortgage ) and have continued to pay that on-time every month. Greentree AND Ditech will not put our loan balance or account summary on our statements nor online. We have NO CLUE where our money is going. I make my {$2100.00} payment every month. I called to obtain the info and the recording indicated they received $ XXXX I paid {$2100.00} It appears our loan balance has n't gone down either, it appears to have gone up! I know they added the late fee THEY PAID LATE ( escrow account ) ON OUR property taxes to our loan balance. I filed a CFPD report last XXXX regarding this and have yet to get it resolved/refuneded. I pay online every month on the XXXX,, yet they post payments on the XXXX often ( just to illegally assess a late charge ) Why does it take 2 weeks to get an electronic payment? NO ONE ANSWERS THEIR PHONES, OR RETURNS messages via their website under " contact us. '' I have sent XXXX messages in the past 8 months. The Federal trade regulation needs to investigate them asap!!! I FEEL SICK TO MY STOMACH, AS WE HAVE NO CLUE WHERE OUR MONEY IS GOING, NOR CAN WE SEE/ OBTAIN A COPY OF OUR BALANCE/ACCOUNT SUMMARY TO CONFIRM IT. 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 2022-03-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
EQUIFAX has continued to verify the Allegacy FCU account as accurate, I have attached the result of EQUIFAX Dispute dated XX/XX/XXXX. You can clearly see from original creditors payment history that the balance reported as of XX/XX/XXXX is ( XXXX ) however EQUIFAX continues to report a past due balance and the account as charged off. Remove XXXX XXXX account attached to this email because you are reporting a balance and a charge off that are not accurate based upon your own investigation. Furnishing incorrect information willfully on my report is a Violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: FL
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 was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -SXXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: Sherloq Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
this debt is 10 years old and i believe it is being passed from one collection agency to another so that it stays on my credit report. I feel this unfair and this account should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In the dispute linked to this NEW action item, Equifax stated the following : '' Explanation of closure - Equifax has reviewed the complaint and its records. XXXX account number **************** and XXXX account number XXXX has been updated. The disputed XXXX account numbers XXXX and XXXX are currently not reporting on the Equifax credit file. Written confirmation was mailed on XXXX/XXXX/15. " The DISPUTED account numbers they claim do not exist, even with the screen shots of their product, were never responded to. 

These Accounts - as evidenced by the original attachment in the original dispute, and then a new attachment specific to these accounts ( Equifax XXXX 's ) - are attached. These screen shots are from my report, in XXXX 's product. 

Once again Eq -1. Please provide any supporting documentation, that states that I have disputed accounts, where this statement has been added to my trade lines. 
2. Delete the verbiage that says " Consumer disputes this account information ''

Company response to consumer: Closed with explanation