BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: Chime Financial Inc
State: OR
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:
On XX/XX/XXXX I noticed an account on my credit report that did not belong to me. I contacted Chime Bank, XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX, and I could not get information as that I did not have ALL the correct information. My social security number and date of birth were correct, but address and phone number were wrong. I filed a complaint with XXXX, XXXX, and XXXX on XX/XX/2023. I filed a Identity Theft report to XXXXXXXX XXXX XXXX XXXX XXXX  on XX/XX/2023. I received a letter from XXXX stating the credit account belongs to me, despite me not knowing any information or having access to it. I called Chime bank again on XX/XX/2023. Once again since I didn't have the right information aside from XXXX and XXXX, I was not allowed to get any information about the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
On XXXX XXXX, 2017, I attempted to post an online payment at Nelnet 's website. Upon clicking the submit button, the site told me to wait ten minutes to submit my payment. This was different the the usual " working '' icon with the accompanying message warning not to hit the " Back '' button. I exited the program. There was no confirmation that any payment was posted. After 11 minutes submitted my payment again. This time the payment completed normally without error. On XXXX XXXX I discovered that XXXX payments were authorized. I contacted Nelnet and was told that it would take 6-8 weeks for a refund of one of the payments. This placed a hardship on my finances, as I was left with sufficient funds to make a full payment on a credit card, and thus had to incur interest charges. I believe the website may be confusing borrowers into authorizing more payments than they had intended and paying fees for insufficient funds. Nelnet should be investigated for their business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: CMG MORTGAGE, INC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company increased my payment by over {$600.00} a month They said it was because of escrows I have emails that I am at a 4 % ratio which is XXXX XXXX XXXXXXXX they will not respond all they do is tell me to mail a letter which I have done

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: WI
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 confidentially under 15 USC 1681. XXXX Accounts # XXXX XXXX ( {$840.00} ) Account # XXXX XXXX XXXX XXXX ( {$11000.00} ) 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 the information is inaccurate.

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 2023-04-13
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt was fraudulent was reported XXXX XXXX in the amount of {$310.00} I have no knowledge of this account. Helvey and associates is the name behind the account. This is IDENTITY THEFT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
NetSpend has flagged me as a fraud I have submitted every document they've asked for for proof of identity evidently there's somebody else trying to be me I don't know they won't say they treat me and shift me around and treat me like I am a fool they are very unprofessional this has been going on for 9 months you would not believe the stack of canceled cards that I have from them they cancel my cards and report them stolen on their own and I didn't even report it I have them I'm going to be homeless in 2 weeks these people are ridiculous and I need help and XXXX and I want rid of all three of these people and my funds transferred somewhere else

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 2017-03-11
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have been fully XXXX and receiving social security XXXX since XX/XX/2010. My loan has not gone away even though it was supposed to as stated in the promissory note. I have still been paying, and dealing with a different company than XXXX now. I 've submited evidence of XXXX to them to no avail. Thank you, and please help. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX ACCOUNTXXXX REPORTS LATE PAYMENTS ON ALL 3 BUREAUS IN AN INCONSISTENT CONFICTING MANNER.THIS HAS OCCURRED AFTER NO LESS THAN 3 ATTEMPTS AT ACCURACY BY DISPUTE WITH EACH OF THE BIG 3. 
I HAVE ATTACHED A THIRD PARTY RECENT REPORT BY EXPERIAN.THIS REPORT ON EXPERIAN SHOWS A 30 DAY LATE IN XX/XX/2016 AND A 60 IN XX/XX/2016XXXXON XXXX WE SEE NO LATES WHATSOVER. ON EQUIFAX WE SEE A 30 DAY LATE INXX/XX/2016. 
DUE TO THE FCRA, THE NUMBERS OF DISPUTES PER BUREAU, THE LACK OF THE VERACITY OF INFORMATION TRANSMITTED BY XXXX XXXX XXXX I WOULD ASK IN THE INTEREST OF FAIRNESS UNDER THE LAW, THE LACK OF FAITH IN ACCURATE REMEDIATION, THAT THE ACCOUNT BE DELETED FROM ALL BIG 3 BUREAUS.

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 2023-01-01
Company: Experian Information Solutions Inc.
State: AZ
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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 2023-02-10
Company: EQUIFAX, 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:
Dear Equifax : While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Attached to this complaint are : - My drivers license - shows ID + address - My social security number - A letter I also sent via certified mail on XX/XX/XXXX - FTC Identity Theft Report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: NV
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:
After reviewing my credit report I must inform you that I am NOT responsible for these fraudulent accounts and inquiries. Someone stole my identity and opened up fraudulent accounts in my name.

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you violate this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts and inquiries listed IMMEDIATELY!

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 2023-06-19
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:
XXXX XXXX XXXX XXXX was opened due to fraud and shall delete from my credit. 
Account number XXXX has a balance of {$7500.00} which inaccurate report because I never opened or applied for this fraudulent account. I request documents of ownership to see how this account was opened and also I want to see the wit signature about this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: SC
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:
Equifax has no birthday on my credit report. They mailed me a report listing my birthday as XXXX/XXXX/XXXX. This is incorrect as when I try to apply for loans its like I dont exist. My credit report hasnt been updated with them since XXXX. How are they reporting information with the incorrect birthday? With inconsistent information how do they know these were my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I do not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX Bank XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: EQUIFAX, INC.
State: NY
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2023-12-11
Company: Tate and Kirlin Assoc
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The sent a very threatening message, and then proceeded to refuse to give me the purchase agreement or validate the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018 Bank of America without warning changed the balances on both my checking and savings accounts to - {$880000.00}. This was done with NO correspondence from Bank of America, no  phone call, no email, nothing. I later found out these represented holds on my accounts. I had no access to any money for the day. I noticed it the day it happened and contacted them about my accounts being frozen, and they wouldn't give me any information, only that I had to go to the bank branch with 2 forms of ID. So I did the next morning, at which point the bank unlocked my accounts. I thought everything was back to normal and they just wanted to verify my identification, although it was a very outrageous way of doing so. 

It wasn't until after that weekend on XX/XX/XXXX that I noticed a fraudulent {$1800.00} charge on my account. Again after calling and visiting the bank I was told there was nothing they could do until a picture of the check was uploaded. Finally on XX/XX/XXXX this picture of a bounced fraudulent check that was deposited on my account showed up. This was all officially reported to the fraud department by a bank employee on XX/XX/XXXX at my nearest branch. They then closed my checking account and opened up a new checking account as the fraudster may have had access to my checking account number. I can only speculate ( as I still have been given no information by the bank ) that someone deposited this fraudulent check at a Bank of America claiming to be me, and that the teller believed this person was me and gave this person {$1800.00} in cash for this fraudulent check, which then bounced and was put as a chargeback on my account for {$1800.00} along with a fee for a bounced check. The bank did return the fee. 

It is now XX/XX/XXXX. I have still yet received NO correspondence from Bank of America about returning the funds to my account. I have filed a police report with the local police department, I have locked all my credit reports, I have filed a report with the FTC. I have called their check fraud department twice now for updates and am told after nearly 2 months they have no update and no information. This has been a nightmarish experience that has caused a great deal of hardship to my family with a total lack of communication and lack of empathy or urgency by Bank of America. And I feel that it is due to their failure to identify a fake check, and to properly identify their customers before handing out such a large sum of cash. My funds no longer feel safe at this bank.

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 2020-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I upgraded my capital platinum card to venture one card and they told me that they will send me a new card 5to7 business day which i have never received that card. when i was checking my account online i saw 3 charges made on my acct. it was XXXX XXXX cash advance and wall mart the amount was {$380.00} for both cash advances and {$720.00} XXXX for wall mart. I called the credit card company and told them that those charges was not mine. and they give me credit the same date which was XXXX XXXX and after on XX/XX/XXXX th they charge my account with the same charges and told me that either me or someone in my household did those charges. i wanted to reopen the dispute and they refused. I was told that i have to pay the charges on my account. please help me to resolve that issue

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: FL
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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