BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: Chime Financial Inc
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023 I had {$65.00} come out of my Chime checking account twice from merchant XXXX, a total of {$130.00}. An error occurred with XXXX and the money never went into my XXXX account nor was it sent to the recipient. XXXX has no record of these transactions. I received a refund of {$65.00} one time on XX/XX/2023 from XXXX, however, I am still missing {$65.00}. After contacting XXXX, they informed me that since they have no record of this I need to contact my bank, Chime. I disputed the transaction with Chime and they stated that I already received a refund of {$65.00} on XX/XX/2023. I called them several times in an attempt to clarify that I only received one refund, and should have received two. The disputes team at Chime escalated the dispute three times, and each time Chime stated that because I received one refund of {$65.00}, I am not owed another ( despite the fact I am still missing {$65.00} ). Several agents confirmed that I am indeed still missing the second refund, but the majority of the agents there could not speak proper English and understand the issue. I asked for a corporate phone number or address to submit a formal complaint on XX/XX/2023 and was told they do not have either of those to give me. The agent I spoke with also could not understand the issue and seemed confused. I have attached evidence showing I am still owed a 2nd refund of {$65.00}, in addition to an email from XXXX in which they advised I contact my bank, Chime, for a resolution. I am filing this complaint with the desire to receive two things 1. ) A refund of {$65.00} for the 2nd charge on XX/XX/2023 from Chime and 2. ) A written letter of apology from Chime for the way my issue has been mishandled thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: IL
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 implore you to take swift measures to eliminate the unauthorized accounts from my credit report, as they were not approved by me and are causing substantial distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: MI
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 have been making requests to further investigate the accounts referenced in the attached letter for the last 8 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: GOLDMAN SACHS BANK USA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I bought a REFUNDABLE online ticket from XXXX XXXX with the amount of ( {$1700.00} ) when I booked the flight the layover was 3 hours only so I paid based on this fact. Before the flight, I found out that there were some changes in the time schedule. I checked the change and I found out that the layover changed from 3 hours to ( 3 DAYS ) due to the COVID-19 situation. I called the airline and I canceled the ticket and I asked for a full refund. They refused so I opened a dispute ( Apple card ( Goldman Sachs ) ). And I sent all the supporting document they resolved in the merchant favor so I opened another dispute Dispute case number : XXXX on XX/XX/XXXX, and they credit me the ticket amount however, on XX/XX/XXXX, they charged me again so I called to check the resolution they told me they have not reached a decision yet so I asked them why did u charge me then and they were like we are going to escalate it to the manager so I waiting for a week but I have heard back from them so I called again and they told me they will escalate the issue. Up until now, the issue has not been resolved. The claim no. is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
my auto account from XXXX is due on the XXXX of each month. XX/XX/2022 i made a payment of {$390.00} on XX/XX/2022 i made a payment of {$190.00} and {$190.00}. XXXX made a payment of {$390.00}. But yet my credit file with experian reflects that ive been late in XXXX then updated to XXXX. ive senty a copy of my payment receipt.

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 2023-12-17
Company: Mercedes Benz Financial Services
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Subject : Response to Adverse Action Violation of 12 U.S.C. 1431, 15 U.S.C. 1611, and 15 U.S.C. 1602 I am writing in response to the adverse action taken by XXXX XXXX XXXX regarding my recent credit application. I believe this decision may be in violation of certain provisions outlined in the United States Code, specifically XXXX2 U.S.C. 1431, 15 U.S.C. 1611, and 15 U.S.C. 1602.

As per 12 U.S.C. 1431, the powers and duties of banks in credit transactions involving natural persons for personal, family, or household purposes must adhere to certain standards. It is crucial to emphasize that the term " consumer '' in credit transactions characterizes such transactions when the party involved is a natural person, and the transaction 's subject is primarily for personal, family, or household purposes.

Additionally, the terms " open end credit plan '' and " open end consumer credit plan '' as defined in 15 U.S.C. 1602 encompass plans where the creditor reasonably anticipates repeated transactions, prescribes the terms of such transactions, and includes provisions for a finance charge computed periodically on the outstanding unpaid balance. It is essential to note that even if credit information is verified intermittently, the transaction remains an open end credit plan or open end consumer credit plan.Furthermore, it is not lawful to deny me my right to grant credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2023-11-24
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
XX/XX/2023 I established a MasterCard business account with Sam 's. The account was approved and {$360.00} of items were charged. XX/XX/2023. I had not received the bill from Sam 's nor a credit card. I reached out to Sam 's and they directed me to Synchrony Bank, which holds ownership of the account I contacted Synchrony they did not know the account. I held the line for three hours, trying to validate that this account did exist. I never received the bill or a credit card, finally, synchrony referred me to the fraud department. I was rerouted to customer service and informed that I needed to fax in something that validated our new address. I faxed in a letter from Georgia 's secretary of state validating my address, and phone numbers. I held the line for a total of three hours before reaching an American citizen who was helpful and reassured me a card would be issued. I had not received a bill or credit card by September. I again reached out to Synchrony who confirmed that they had received the letter from the Secretary of the State of Georgia and had our updated phone numbers. In XXXX, we received a bill from Synchrony and a letter stating the account had been adjusted, but no credit card. We contacted the company again to be held for over 3 hours discussing the matter. The company once again is asking us to validate our authenticity and resend information. When asked to speak to an American citizen the reps became hostile and hung up on us. We have met all requirements through the federal Customer Identification Program ( CIP ) and this bank has validated this by billing us as a customer. I do believe that this bank violates providing fair and equitable customer practice. This bank also should provide knowable service representatives who can comprehend and speak XXXX that is comparable to the levels of their overall service population. Prolonging this unsettled matter is causing harm to my credit/reputation as a business owner. Synchrony has received all information requested that validates my company 's authenticity and has billed us accordingly, Synchrony Bank has yet to release the credit card that was approved in XXXX of 2023 as of XXXX of 2023 but has billed us stating that they are unable to validate the authenticity of our company.

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 2023-01-10
Company: DISCOVER BANK
State: NJ
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:
My own mother ruined my credit when I was younger she would always make me get on the phone and tell companies I agree and I never knew what it was for until later in life when I tried doing this with credit and was denied and I checked and saw so many debts left unpaid from companies she would frequently purchase from, she denied and then eventually told the truth but in true narcissistic fashion she blamed me saying it was my fault because as a child I asked for things that were expensive so instead of saying no she committed fraud using my name and ruined my credit with no intention of ever paying it back or fixing it, I was finally able to move away and when I did I realized just how bad it actually was I am denied from everything and struggling with my own child because I have this large debt that was not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
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: Information belongs to someone else

Complaint:
I have been victim of identity theft and I keep trying to fix it, I already contacted everyone regarding this matter, yet no one is helping me. Someone has opened a loan under my name without me knowing. I already contacted you as well for this problem but yet there is no action. Please help me to fix my credit and remove the fraudulent account from my report. 
It is XXXX XXXXXXXX XXXX XXXX XXXXXXXX loan, Date opened XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX Account 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 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 submitted a letter to the 3 Credit Bureaus last XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$16000.00} ;

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 non-monetary relief
Consumer complaint received 2023-06-08
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: Account status incorrect

Complaint:
I am writing to express my dissatisfaction and concern over a serious error in the reporting of my account status by XXXX XXXX to XXXX of the credit bureaus, Equifax. I have recently settled a collection account with XXXX XXXX, and while this has been accurately reported as " paid '' to XXXX and XXXX, Equifax 's record continues to show the account as " derogatory '' and " unpaid. '' This inconsistency is negatively impacting my credit rating with Equifax and may potentially cause undue financial difficulties for me. 

I would like to stress that I have fulfilled my financial obligations regarding this debt, and the incorrect information reported to Equifax is both inaccurate and misleading. The failure to report the correct status of the account is a violation of the Fair Credit Reporting Act ( FCRA ), which stipulates the need for accurate information reporting by the financial institutions. 

I kindly request that XXXX XXXX takes immediate action to rectify this error. Please update the status of my account with Equifax to reflect that the debt has been paid, thereby ensuring that all three credit bureaus have accurate and consistent information. 

I would appreciate it if XXXX XXXX could also provide me with written confirmation that these corrections have been made and that the accurate account status has been reported to all three credit bureaus. I believe this is an important step to protect my rights as a consumer and to prevent any potential future inconsistencies in my credit reporting. 

In light of the above, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) assist me in this matter and ensure that XXXX XXXX adheres to their obligation to provide accurate information to all credit reporting agencies. I understand that the CFPB has the ability to investigate these types of issues and I trust that you will be able to help me ensure that my credit report is accurate and fair. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Transunion is reporting that I have an eviction on my record but I dont. They reported to a tenant agency that I have an eviction and I dont and I have hard inquiries on my report that I havent made.

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 2023-04-04
Company: EQUIFAX, INC.
State: IL
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 Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This issue has been going on for months and I have followed all of the things you wanted me to do. just read the letter to make sure I'm not just typing my concern here and you will just ignored my concern again

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