BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-16
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened an online Checking Account with Chime in XXXX, 2019 and in XXXX, 2019 I opened a XXXX XXXX Account. Every month I was missing money from my accounts. Every month I couldn't get my account balanced. In my bank online Bank XXXX, the Account Summary never was filled in completely and it never even balanced with my Account Transaction Histories. I had to use my receipts to check my Account XXXX Histories, which were correct, but the Account Summaries never were, and that's the information the computer gave as my balances in my accounts! 

Every month I reported this to Chime. 
Every month Chime 's customer service told me in emails and on the phone that they would look into it. Everytime I would followup on my complaints, I always got another person and I would have to explain all of it again, and again ... Every month I complained about that, too. Everybody was always going to " ... look into it ''. Then, after I opened my XXXX XXXX Account, I started missing money from it, too! I thought by opening that account I could just stash more of my money in that account instead of leaving it in my Checking Account, where I was missing money all the time. However, the same thing happened in my XXXX XXXX Account, too, and I was missing money and I couldn't get that account balanced either for the same reasons. Every month the problems escalated. Then, Chime locked my account and I didn't have access to my money and direct deposits were being sent back to the depositors, etc., creating even more problems for me when I had bills to pay, too. I was told my complaints were escalated and that the customer representatives escalated my complaints XXXX sent them to their XXXX XXXX in California. I never git contacted by anyone from California! I asked Chime to close my account. 

They finally did but it's been 8 months now and I still haven't been compensated for my missing money, which their employees computed to be {$12000.00} through when my account ended, nor did Chime send me my money from both of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
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: Information belongs to someone else

Complaint:
I recently received a copy of my credit report and found an item on the report that is inaccurate. The account in question is XXXX XXXX XXXXXXXX. This account does not belong to me. It belongs to a relative with the same name that lives at another address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-07-03
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately!

I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. 
My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX. 
Also, my current address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX is not accurate and should be removed immediately. 
I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate. 
Please do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate! 
I look forward to your written response confirming your compliance on this matter as well as an updated credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: CT
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: Upstart Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2022, I noticed a loan from Upstart was showing on all XXXX credit reports. I instantly reached out to Upstart explaining that I never took out a loan and that it is a result of identity theft. They told me that I would need to submit a report with Identity Theft and a police report which I supplied them with both. After I submitted both the Identity Theft report and Police report they told me that it wasn't enough to close the account and told me that this was my debt and that it would be sent to a collection agency. The fact that they did not accept either reports that they told me I had to do is crazy. This loan was for {$15000.00} that isn't my debt and I did not iniate and is it greatly effecting my credit report. Awful investigating skills they have and awful company to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Certified mail was sent to XXXX  XXXX and Experian regarding an unverified item listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX  and Experian failed to investigate and have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA. XXXX XXXX and Experian responded with a letter negative listing verified. Who verified these accounts? 

FCRA, Please enforce the Credit bureaus to do a proper investigation. 

Thank you for your prompt assistance in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: NJ
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. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX  Account Number : XXXX, Account name : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX, Account name : XXXX XXXX XXXXXXXX Account Number : XXXX, Account name : XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX  Account number : XXXX, Account Name : XXXX XXXX  Original creditor : XXXX XXXX XXXX  Account number XXXX XXXX, Account Name : XXXX XXXX  Account number : XXXX, Account Name : US DEPT OF EDXXXX Account Number : 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 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 2021-02-16
Company: Lending Club Corp
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Lending Club : daily harassing phone calls, multiple times a day, everyday up to 5 times a day from XXXX XXXX  till XXXX XXXX, using the following numbers ... 

XXXX, XXXX, XXXX, XXXX, XXXX I have never done business with them, or even ever called them. I am on the state and federal do not call list.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the following accounts below from my report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3500.00}, XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: First Credit Services Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I signed up for 3 month XXXX membership to XXXXXXXX XXXX in XXXX XXXX in XX/XX/XXXX. Winter special they offered. 
I suspended membership in XX/XX/XXXX. 
They confirmed they have record of this. 

I was billed for continued membership in mid XXXX. When I called the office they said it was for continued membership. I informed they I will not be returning and this must be cancelled. I paid the {$50.00} in good faith. 

I got another bill for {$50.00} in XX/XX/XXXX to continue the membership and was informed my CC on file was not valid. 

I informed them by phone and followed up email that this was cancelled in mid XXXX and I did not renew in XXXX as I am not on that area. 

I called the location to complain about this and they said I renewed but I signed nothing. 

I just got a debt collection letter from First Credit Services saying I now owe {$190.00}?? 

I responded to the letter by email stating all of the above. 

I do not owe any funds as I informed them in mid XXXX when I paid them {$50.00} for something I did not owe at that time but understood possible conflicts in communications. Now this is starting again!! 

This is a scam. I did not sign up for any on going membership.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My lease financed through Chrysler Capital for a 2018 XXXX XXXX XXXX was paid off via dealer buyout, when trading in for a new vehicle purchase at another dealer, for the agreed upon buyout price. However, Chrysler Capital has continued to apply the regular monthly " amount due '' to my account as well as assess late fees, even though the account was paid in full, and even reported closed on my credit reports. 

*A payment was made for the regular amount due ( but not late fees ) for fear of having to then fight a missed payment reported to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Global Lending Services LLC
State: OH
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 Reporting act XXXX Account, 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 response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
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: Old information reappears or never goes away

Complaint:
There is an account from XXXX XXXX XXXX that is aged past 7 years and still appearing on my credit report. After numerous requests to the credit bureau on removing the account. My rights have been violated as a consumer there should not be accounts past the age of 7 years reporting on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I have been a member of navy federal for a while and have repeatedly been denied for an auto loan preapproval. I have appealed the decision and never get any explination. Im aware of other people who have been pre-approved with much worse credit and lower income so I feel as though I am being discriminated against chich is a violation of the Equal Credit Opportunity Act ( ECOA ) 12 CFR Part 1002. Navy federal claims they could not verify my employment yet they never attempted to

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I just received an alert that a new account was added to my credit reports as a collection from a place I never received any type of notice from nor am I aware of this debt. They have caused a decrease in my XXXX XXXX and it is damaging my credit to where it's causing harm to my profile and may prevent me from receiving new credit. I don't feel this company is even authorized to collect or bonded in the state of Texas and may have just found info anywhere and places it on my credit. Nothing is verified nor did I receive any type of notification regarding this info in which they have placed on my credit reports.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Some of these items in regards to my Accounts on my credit report are very misleading these also hold fines between XXXX dollars in violation of the Fair Credit Report Act ( 15 U.S.C. 1681 ( a ) ( b ) Under 15 U.S.C. 1681 ( I ) I am asking for this information to be updated and all late payment be listed as paid on time. Multiple accounts show on time payments by 2 bureaus then late by another bureau in the same month All monthly payments should be reported on time. This is not 100 % accurate AND NEEDS TO BE ADJUSTED. Also on each account Attached it has the in correct open dates on all accounts and Balance are all off and incorrect and status are incorrect bureaus are reporting paid then other bureauS reports late these need to be corrected. It is also against the law without consent to show payment transactions, utilization and payment history under U.S.C 6801-6805. ( OPT OUT ) PLEASE ADJUST ALL ACCOUNTS LISTED BELOW. Also please fix all personal information on my reports there should be 1 address listed XXXX XXXX XXXX all other addresses are non-mailable and need to be removed 1 telephone number- XXXX and 1 employer XXXX . Each time these companies have reported monthly without consent they are in violation. 

Accounts with in accurate information. ( Please update all payment history 's misleading information no payments should be late. Please correct all other misleading information account open dates, balances etc. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX charge off account 2 bureaus show no reporting the other needs to be removed. Inaccurate XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Paid In full not closed XXXX XXXX Paid not closed XXXX XXXX XXXX Letter from previous dispute with the bureaus and credit report attached.

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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Showing my credit score at least 100 points higher than it really is. Ended up with a number of denied cards and inquiries due to me thinking my score was was higher than it actually is.

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