BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-31
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX the SSXXXXI made a deposit to my account for {$680.00} chime posted {$260.00} dollars in my account the card would not let me withdrawal from ATM or make store purchases it would only let me send money when I contacted chime customer service a named XXXX told me don't call the customer service number again if I do they would cancel my account the money was from my XXXX benefits I want to know what is going on

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: OH
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
After many atempts of contacting the 3 najor credit bureaus about these fradulent unauthirized accounts haunting my credit files, I decided to use this system, before filing suit if this is un successful. All these accounts come from my identification being stolen and misused. Im requesting that the following accounts be removed immediately and/ or show just cause physical docunentation and signatures associated with these accounts ; or these accounts shall be removed immediately. 

1 ) XXXX XXXX XXXX ( account XXXX ) {$860.00} 2 ) XXXX XXXX  ( account XXXX ) 3 ) XXXX XXXX XXXX ( account XXXX ) {$3300.00} 4 ) XXXX XXXX XXXX XXXX ( account XXXX ) {$6900.00} 5 ) XXXX XXXX ( account XXXX ) {$4300.00}

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 2023-07-31
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
The original creditor XXXX XXXX representative that was spoken with on XX/XX/2023 stated that the collection account would be removed from credit file as there is no balance due. However CCS USA is not honoring the original creditors wishes.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
i just find out that on my credit borough reports i have 3 collections in a small amount in a total of {$450.00} 1. XXXX XXXX, $ XXXX, 2. SW CRDT SYS Corp, $ XXXX, 3. XXXX XXXX $ XXXX. 

I don't know what is about, i just can guess according to original creditors names ( whish i found on credit reports ) that its medical outstanding bills. I never received any letters/notices from Collection/Or-and/Original creditors that i own some money. 
I am a medical provider too, in case i want to put patients for the collection I am always mail them certified green mail card which must be signed by the patients. Then i am allowed to put patients for collection because i have received proof that the patient received a notice. A few month ago some collectors was trying to call me about some outstanding amount, they just verified my name, but when i asked them Can you please email me or mail a bill/statement from original creditors so i can Verified where is the source of my outstanding but I WAS HANG UP THE PHONE immediately, for me looks like that just they just want verified my name and its more than enough to put me in a collection. 
Another way, because i have very valuable time I would like to pay these outstanding balance and forget about this., and unfortunately i am unable to do it because when i have clicked on XXXX  , XXXX  , and XXXX  collection names I DO NOT HAVE ( website link ) an OPTION to pay it OFF. I did search by creditor names on line and its brought me to their subcontractors websites where they offer some some credit card and other things.

For Example on XXXX  Credit Borough I have clicked DISPUTE button and its brought me to : XXXX XXXX XXXX XXXX Its Not fair to me, like i mentioned above i would like to pay OFF a balance i have and even not to thing what is about. BUT i do not have an options to do it on their website. I have made a few calls by the name i found of my credit reports and i was switched to companies who offer some services to clean up a history for monthly fee etc. 

1. The reason is it has to be removed from TXXXX XXXX and XXXX  that is NO link from original creditors/or collection agency to PAY OFF a collection Balance.

2. XXXX, XXXX and XXXX  must have received a confirmation from original creditors that debtors have received a notification ( NOT just phone calls to verified the Names and hang up the phone after )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified inquiries that need to be DELETED. The credit bureaus must verify these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed inquiries be DELETED immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Many companies requested my credit report without my authorization. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX via XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual

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 2020-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capitol One is now blatantly DEFYING the CARES Act ammendment to the Fair Credit Reporting Act by refusing to amend customers payment histories from previously past due to current for those effected by COVID 19. 

" If the account was delinquent prior to making the accommodation : continue to report the account as delinquent. However, if the consumer brings the account current during the period of the accommodation, report the account is current. '' This now falls squarely under the definition of willful noncompliance ( section 1681n ) or negligent noncompliance ( section 1681o ) with the FCRAs obligations. 

Capitol One is refusing to update my account history from " past due '' to " current '' for 6 mos of 2020 XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX as a result of COVID 19.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 demand the removal of inaccurate account reporting to my Consumer Report. XXXX XXXX XXXX XXXX is reporting an account that is a violation of the law. I do not give consent, written instruction, permissible purpose, authority to disclose my private or financial information. The consumer reporting agencies have a grave responsibility to make sure reporting is accurate and legal this obligation has not been fulfilled in this matter. This is causing damage to my credit worthiness and is NOT an accurate reflection of me, my credit worthiness or my ability to make payments. This account has been paid, yet reporting derogatory in violation of the FCRA which assures maximum due diligence into reporting. 

This violation of my rights to privacy is very serious and does come with legal implications for all parties involved. I am giving in good faith opportunity to cure. Transactions and experiences are to be excluded from the report. I expect compliance with the law. All applicable state and federal laws and regulations should be upheld including but not limited to the FCRA, FDCPA, GLBA, FTCA. This is also a violation of the criminal and tax code. 

Rather than risk liability for the hundreds of thousands of dollars in fines, fees, and penalties for these violations on the creditor, data furnisher, reporting agencies. I simply ask that institutions act in accordance and remove this account and late payments. I am counting on compliance and rapid rescore to reflect my credit worthiness. I thank you for your time and attention to this issue. 

Have a blessed day.

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 2023-07-31
Company: CITIBANK, N.A.
State: FL
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:
Wayfair citi is still charging me for fraud {$70.00} that is not mine ... the fraud happened before I even received the card ... I've called multiple times about this and it took me 7 times to get through to customer service who could not verify my identity... I was on hold forever and customer service was rude and dismissive.. 

These are not my charges This went to collections which affects my credit score

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 2021-08-01
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Their has been unauthorized use of my credit report. I submitted a debt validation letter on XX/XX/21 in regards to this alleged debt with National Credit System. This alleged debt has never been validated and I demand it be removed from my credit report. This is unacceptable and in violation of the FDCPA. A furnisher may not furnish information that a consumer has identified as resulting from identity theft according to the FDCPA. No one is supposed to report to my credit report without permissible purpose. I never authorized or gave permissible purpose this company National Credit System to report on my credit report which is a violation of my consumer rights.I will bring this matter to the attention of the better business bureau and the office of attorney general of SC. Im a victim of identity theft and someone is using my identity to do things I have not authorized or the credit bureaus is reporting another person information on my credit profile. I am the original creditor, only I can validate this account. I do not validate this account. Therefore, the following account must be deleted from my report. I will seek litigation and {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations if these accounts are not deleted immediately off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Experian Information Solutions Inc.
State: MD
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: Old information reappears or never goes away

Complaint:
I have had several back ground checks for employment and every time I feel that it is like my credit scores drops for riicidulous reason. It went from XXXX to XXXX. This needs to change I feel that after having monitored my credit and I have desperately tried my best. In order to pay my bills I need employment. The credit reports on Experian, XXXX, and XXXX. It needs to be investigated as to why my score drop so much. Is it because of my race I am not sure why. I am a XXXX Veteran, and I have never committed any crimes, the creditors to not reflect the loyal, honest person I am. Some of the incidents on my credit report was due to fraud and oversight on the creditors behalf. I know that I am going through this unfairly. Please fix this

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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$46000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2021-08-01
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over XXXX days with no compliance to the Fair Credit Reporting Act XXXX FCRA XXXX XXXX. XXXX ) enacted by the United States XXXX. By their findings, it is now my legal right to have these accounts and inquiries XXXX FCRA XXXX XXXX. XXXX ) removed. 
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: EQUIFAX, INC.
State: AZ
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:
The Credit bureaus seem to throw my letters out or do not do anything on my file. 
My name and alias names need to be corrected. My OLD addresses are wrong as well. I am attaching a letter of explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: Carvana Group, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a car through Carvana and it has been an absolute nightmare and I wish I could return the car. I have provided a Limited Power of Attorney THREE TIMES. Carvana has lost the paperwork THREE TIMES. I did the first Limited Power of Attorney online through an app that they provided so that I could then get my car registration. They said it was done wrong, which was NOT MY FAULT. It was the notary THEY HIRED. Then they sent me the paperwork via XXXX and I had to have it notarized again, which caused me to have to leave work early. I got it notarized and took it to XXXX. It was received and someone signed for it. Carvana LOST THE PAPERWORK and now they expect me to get it notarized AGAIN. Meanwhile, I am unable to park in my apartment complex because I need the permanent registration to get a parking sticker. I am frustrated and want this fixed NOW. The people at Carvana are inept and they should not be in business. I want this fixed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
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: Information belongs to someone else

Complaint:
There are accounts, inquiries, and addresses on my credit report that I don't recognize and or that belong to me. Please remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not consent to electronic communications. I request all responses be in writing through the USPS.As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this 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 2022-12-08
Company: AXOS FINANCIAL, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a XXXX Banking account with Axos Bank and it's been a month and a half without being able to use the account. I am lucky I didn't transfer any funds right away!! They have had technical issues every step of the way that their customer service has been unable to figure out. At first, I couldn't get access to online banking. I never got the email ( checked all spam folders, etc ) to register for online banking and every time I called they claimed I needed this email and that they were resending it, but I never got it. I learned how to register it myself without the email and then every time I signed in it would sign me back out immediately. They couldn't figure out why. When I called, they would transfer me around XXXX or XXXX times and it would eventually just hang up. I finally figured out that you can't use XXXX to access online banking (! ) and have to use XXXX. All of these issues I'm having to solve on my own! Then my new debit card was returned to them, because they formatted my mailing address wrong in their database. I called XXXX  and they couldn't do it over the phone, so they had me send a secure message online ( which at the time I still couldn't access with their technical issues ) to verify my mailing address before they could send me another one. When I finally got the new debit card a week and a half later, I am now unable to access XXXX XXXX! I was on the phone with them for an hour being transferred XXXX times before someone knew what they were doing and had to have me change all my browser settings for their website so that I could even view their XXXX XXXX tab.. I have been waiting to use this bank account for almost XXXX months because of all of their technical issues and unhelpful customer service and I'm about ready to close it and start with a different bank! I am honestly worried about even conducting my business finances with this bank, just anticipating what new issues I'm going to run into with actual funds in my account!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: ME
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:
These inquires do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation