BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
Company: Source Receivables Management LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Roughly 5 - 7 months ago I was contacted by a company named Source Receivables, Management located at XXXX XXXX XXXX XXXX XXXX, NC XXXX. I was told I owed a debt of {$270.00} for an unpaid balance regarding a business line I carried through XXXX. I was unaware of any issues I may have had wirth XXXX and was actually talking to the collection company on the phone they were attempting to collect a debt on. I immediately explained to them this was the first I've heard of it and was a mistake, I then tried calling XXXX ( who XXXX merged with ) and I was told I don't have any debt, and if there was a debt from XXXX  it would have carried over and would have affected my account. It was never carried over because there was never any real debt. I explained all of this to the people of Source Receivables and even recently provided them with a reference number from XXXX  regarding the conversation I had with them and how I never owed money. I've spent a minimum of 6 months being called a liar and being bullied into something I never owed by their employees and manger named XXXX XXXX. Fast forward to today and the company has admitted their mistakes and no longer carry a debt in my name. However, my credit score has been hit hard by this, and since I've asked the company about how to file a complaint against them I've now been blocked and no longer have the option of speaking to someone about this. I've asked for transcripts regarding the amount of calls and harassing messages I've been receiving and that's when they blocked my phone number. I would like for this company to receive some sort of punishment for harassment. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Applied for loan on XX/XX/2023 but was unaware that the inquiry didnt accompany approval because I was already approved for XXXX post submitting ssn but was left pending for docs that werent specified beforehand so i contacted supervisor XXXX and said Id like to rescind my application if I can have it sent over with the necessary rescission disclosures as non were provided nor discussed at time of applying. I will be notifying the IRS for tax purposes upon the event that the application can not be returned to the beneficial owner of all titles, rights, and interest that came as profit out of the transaction in the form of credits or federal reserve notes I demand it all returned as it is unearned interest due back to the principal IMMEDIATELY. I have proof that a transaction occurred per my consumer report so I will also be forwarding this correspondence to the CFPB, FTC, and SEC in the event we can not reach an amicable resolution. I only Will correspond via email or us postal service certified mail when addressing this matter so that I have record of me coming with clean hands and in good faith in the even of your company defaulting or acquiescing. Application can be mailed to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX if no application arrives within ( 5 ) days you tacitly agree to a near future lawsuit as me being the awarded plaintiff for whatever damages the law provides as well as an and out of court separate settlement due immediately in the amount on the face of the instrument times 3 in the form of a wire transfer. And the company that ran my report was not the company that I was in negotiations with and they forwarded over all of my property which 15 usc 1681 states the consumer has the right to privacy. Informed supervisor XXXX that all correspondence will be forwarded to the proper authorities for paper trail to legal actions because now it has become theft because they wont return the property or return the proceeds from The transaction per 12 usc 412. No lawful consideration was performed on behalf of speedy cash which tried to convince me that my application was still in review after my credit was already strong-armed and secured.

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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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.

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 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 2023-04-13
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
i have a miss lead bankruptcy on credit report and its coming from lexis nexis and they have failed to remove it in the month of XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: RI
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 have no knowledge of these accounts. And it needs to be removed from all 3 credit reporting agencies immediately. I did not provide express verbal or written consent to obtain any information about any of my personal and confidential private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I had direct deposit for an account with checks that were supposed to be direct deposited. I was told to close this account back in XXXX by Wells Fargo because of suspicious fraud transactions. If I reopened a new acc. Will it disrupt my current deposits an will they be transferred to a new account. Wells Fargo assured me that absolutely everything will continue! I still havent been able to get any deposits since then. On XXXX a deposit of {$5500.00} had went into a closing account but Wells fargo failed to notify me, an failed rerouting to my new account. Even tho In Wells Fargo disclosures state the first 90 days Wells Fargo is responsible for anything for any transactions relating to direct deposited or issuing a check in the amount for a closing account. Ive been trying since to have Wells Fargo rectify the situation. Wells Fargo then tells me that now I have to contact the issuing company to have payment reissued. In doing just that they say to contact the bank and go around and around since. I was told to go down to the branch that opened the new account in doing so I had the Wells Fargo banker say, oops my bad I made the wrong account by accident and i was told to call Wells Fargo again an email them to have then fix it. In doing so, Most Wells Fargo employees had actually never even read their own disclosure 98 % of them had no clue about anything. Wells Fargo would just have me transfer to another employee and then at the end just tell me to go to the branch after being on the phone for 3-4 hrs every time. I have gone through all the steps and still havent received a phone call back. An each time I have to explain the situation again and again! As if Wells fargo doesnt evn have a clue about whats going on.

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 2023-06-16
Company: Chime Financial Inc
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I tried to send my sister {$350.00}. She tried to sign up for the train account. And it ended up freezing and covers. She couldn't make a second account then. Afterwards, it said the money was claimed. We called chime right away. And at that time, she was able to sign up on the count. But no money was sent to my sister. And it was taken from my account. I have spoken with several supervisors in the escalations department. Who have verified that? Neither my sister nor me have that. XXXX dollars, and that it needs to be refunded to my account. They are try to help me file disputes. But trying automatically denies my dispute. Because they say she sent the money. Yes, I did send the money. But there was an error in their system. And the money was never actually deposited. I need my refund for this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: AZ
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2023 I sent experian a letter in regards to a prev collection they deemed to be verified. i asked for the written contractra with my signature to be provided and i have yet to hear back from this company with any regards to my letter that was sent to them.

Company response to consumer: In progress
Consumer complaint received 2023-06-23
Company: KEYCORP
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I received a solicitation in the mail and online stating I was approved for personal loan. I went to the bank to apply and after a few days I was declined. I would have never applied had I not been told I was already approved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
MCM Or Midland credit management sent me information about collecting a debt I made one payment however the email provided to me by MCM states that if I default my new payment amount will be If you default on your payment plan, this agreement will be void and the full balance will be {$380.00}. However on my XXXX and XXXX they have reported I owe {$380.00}. This is wrong and incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello! Im in shock that i have debt with companies that i never dealt with. Please stop posting wrong information on my credit report that really affects me and my family members. 
Account are XXXX XXXX XXXX XXXX XXXX XXXX Portfolio recov assoc

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Affirm Holdings, Inc
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Accounts is with affirm XXXX AND XXXX DATES XX/XX/XXXX n XX/XX/XXXX I REACH OUT TO AFFIRM SEVERAL TIMES TO HAVE ITEMS REMOVE OFF MY CREDIT I SENT THEM POLICE REPORTS NUMBERS THEY SAID THEY NEEDED A PERSON OF INTREST BEFORE REMOVING DEBT BUT AT FIRST THEY JUST ASK ME TO FILE A POLICE REPORT STATED SOMEONE DID FRAUD TO OBTAIN ACCOUNT. AS I DID SOME RESEARCH AND DIGGING ME AND THE POLICE DEPARTMENT FOUND OUT WHO DOING FRAUDLENT ACTIVITIES WITH MY CREDIT I HAVE NEW POLICE REPORT AND LIKE FOR THIS MATTER TO BE HANDLE ASAP TO BE REMOVED FROM MY CREDIT. AFFIRM CONTACT CONTACT INFORMATION IS AFFIRM INC XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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'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 non-monetary relief
Consumer complaint received 2023-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
To whom may concern, Capital one failed to report payment Ive made to both of my account. My capital one card XXXX and XXXX credit card XXXX. 
They have reported no payment to the credit bureau. to XXXX, which resolve of my credit score decreased. 
I need clarification why are they reporting inaccurate information to the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither 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.

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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Just like other negative records, XXXX XXXX XXXX should be scheduled to be automatically removed, or purged, from our credit reports after a specific time-period. 
Furthermore, for a XXXX XXXX XXXX case, the time frame is seven years after you file for bankruptcy. That means you can expect the record to be removed from your credit reports at the seven-year mark without any effort on your part. My bankruptcy was actually dismissed on XX/XX/XXXX XXXX XXXX 
Ive already challenged this with XXXX and, thankfully they recently removed this item. 
Please delete this item ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you in advance for your assistance with 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 non-monetary relief
Consumer complaint received 2023-06-15
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was given an exception hold for 12 days at bank teller in branch at no Morgan chase. No reason for hold and no funds available at all for those days not even a dollar. 

It is against regulations to do this especially without giving a reason for said hold. Check was under XXXX and from XXXX XXXX taking only three days to clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Chime Financial Inc
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been participating in Denver 's Basic Income Project since XXXX of XXXX. This program is designed to provide financial assistance to homeless individuals and families. Denver Basic Income Project directly deposits a singular monthly payment into my Chime Checking account on or before the XXXX of each month. Every singe month prior to this month, XX/XX/XXXX, my payment from Denver Basic Income Project deposit appears under the name " XXXX ''. My DBIP payment arrives a few hours before I receive both en email and a text alerting me that my payment has been released by DBiP.

I've been a customer of Chime for years and 100 % acknowledge Chime customer care is a crapshoot- some times you receive actual assistance, but 95 % of the time you're just going to receive repeated responses with no assistance provided. When inquiring about direct deposits they shamelessly repeat, " You should contact your employer. Chime makes funds immediately available to you once they've been received from a source. ", and " I've looked at your account and don't see any firect deposits posted. No worries! Once they arrive the funds will be immediately available. '' I ask them to read my messages snd review my screenshots all to no avail. The chat with XXXX was from Today and he couldn't tell me what happened. 

I've been without food fo over 48 hours. I am starving. I've been anxiously awaiting this payment. I immediately detected trouble when I received the DBIP  payment notification prior to receiving any of the funds. Absolutely none of the Chime representatives will do anything beyond reading a script. This is the final straw for.me. Chime has been great at times, but I don't want to go hungry/starve while witnessing their indifference. I would not recommend Chime to anyone and will actively work to prevent friends and family from utilizing their services, or lack thereof. 

If you'd like to see the evidence for the rest of the years payments, I'll gladly send them in. Please let me mw know if you require any information from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: GA
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:
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 Account Number : XXXX has violated my rights. Or 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: In progress