BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-11
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I bank with Chime Bank online and have done so for about two years. On Friday, XX/XX/2021, early in the morning, I wrote an email to : XXXX to give them an update of my new phone number. Within fifteen minutes I received two emails stating that my account was now locked due to " suspicious activity ''. They went on to say that to get it unlocked I needed to submit my drivers license, front and back, copy of social security card, a selfie w/me holding my ID and a paper with my name and the current date. I submitted immediately and they later responded they could not read the selfie. I resubmitted the selfie and now, have done so at least four times but I think it is five times. My social security check goes to them via direct deposit and Friday was payday too. As of this time, they will not unlock my account, and no longer communicate with me. I have called and get shuffled to someone who states I will get a call back from a specialist but to date, I have not received one call. I have sent numerous emails aside from the ID ones stating that I need to pay bills and have no money. I am now past due on rent which will cost me an extra one hundred dollars, I am past due on my credit card so my credit is to affected poorly, I have absolutely no cash and nobody to borrow from. It is my belief they messed up from the start by locking my account when I simply asked to update my phone with a new number. There was no suspicious activity, and all the while they never asked me for my password or even my address of record. If the selfie was in fact not readable, the last one I sent in was taken by my landlord and was easily readable. I contacted them on XXXX last night and they responded saying they would get back to me but did not/have not. I am now desperate as I am flat broke. As far as I am concerned, Chime is irresponsible in their total disregard for my well-being. I am angry, I am sad and depressed, I am frustrated, I am resentful of their poor communication and they act like this is some kind of game but it is only me that loses here. To take control of my funds in such a manner is not the act of a valid fiduciary. I also had a small deposit of seventeen dollars rejected by them during this past week. I am at the point where I feel incapable of continued communication attempts without using foul language in expressing my sentiments. In a separate matter, a couple of weeks prior to all this, my phone was hacked via a " sim swap '' and I lost all my savings at a brokerage, that was my emergency money and because of that loss, having my account locked, has put me in a very bad situation. No bank should be allowed to jeopardize access to one 's money, and if it is in the name of security, it needs to be resolved at once. XXXX, Chime can go straight to XXXX! They need to open my account and should compensate me for having late rent fees due, and damaged credit as well!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Harpeth Financial Services, LLC
State: MO
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
XXXX called from Advance Finacial 247 and I ask who was calling she stated her name and ask if I was XXXX XXXX she hesitated to tell me where she was calling from. Once she confirmed I confirmed my information. She claimed she was calling on a recorded line to collect a debit on a loan I had. I explained how I could not pay at this time due to receiving only {$54.00} a week in unemployment funds and I have a child to care for off of that. She asked when will I return to work and I explained currently I am in a middle of a lawsuit and all I could do is wait for this to be over. She goes to say well {$54.00} is enough to pay them every week and stated Im refusing to pay. I explained again Im not accepting the verbiage she is using and XXXX not refusing rather unable to pay and care for my child with only XXXX  XXXX. I requested my bank account stop being withdrawn from due to the overdraft fees I continue to receive. I also stated this isnt the first time I requested such. She confirmed they had attempted to with draw funds yesterday. I demanded at this point this be stopped and it was my right and if not Ill contact a lawyer. She went on to say well since youre refusing to pay collection efforts will continue. I requested a supervisor 3xs before being acknowledged and sent over to one. XXXX was said supervisor who came on and stated that shanita put in request to stop withdrawals and said she probably explained it to me it could take XXXX hours and I explained no one explained anything to me and in fact shanita refused to stop all payments. I informed XXXX I requested this to stop back in late XXXX early XXXX when my bank called and asked was it fraud due to the numerous overdraft fees and ach failures related to this company. XXXX stated she doesnt see the request but rather a payment plan discussed around that time. I requested that the recording be played because this was false and she claimed only goes back XXXX hours and no one XXXX be able to go back that far. I stated I dont believe such and that Ill continue with my complaint to the CFPB because I was told by the employee back in XXXX that they could not stop any withdrawals from being deducted from my bank account. I explained I know my rights and that I had a right to legally revoke the authorization to withdraw from my account regardless of any other previously authorizations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 Reported ID Theft In XXXX of XXXX In XXXX AZ I never lived in XXXX Arizona at any time, TransUnion Still has this Address in my credit report and other False information in my credit report I have had a bank account With XXXX from XX/XX/XXXX until XXXX at witch time I had closed that account Because XXXX also denied me credit because of that information. I Have been On SSI from XXXX and had direct deposit set up for some time and XXXX was aware of that.I have also been denied access or opportunity to change my information, and denied Credit because of information that TransUnion Provides

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 2022-12-12
Company: Resurgent Capital Services L.P.
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:
On XX/XX/XXXX I filed a dispute with the 3 bureaus customer relations department disagreeing with the items appearing on my credit report that are not in accordance with the FCRA act. I have not gotten any update or acknowledgement of my dispute. 

Lvnv funding llc XXXX XXXX XXXX XXXX XXXX XXXX Lvnv Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX  accounts below violated my rights to laws 15. U.S.C. 1681 Section 602A- which states that I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2- Consumer Report Agency can not Furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I reviewed my Consumer Reports and noticed that I had a 30 day late payment on an account that has never been late 30 days. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with maximum accuracy. I have never been late 30 days on any payment for this account XXXX XXXX Account XXXX XXXX. Please investigate and provide proof with statements showing that this payment was late at least 30 days. If proof can't be provided, I demand that this payment status be updated to on time as it should be as I was never late 30 days. Thanks.

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I can't see my credit report because my identity can't be verified. I'm a victim of identity theft and I need help I'm losing the battle by myself. Bank accounts and loans and credit cards are being used in my name fraudulently. I need assistance please.

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 2023-10-30
Company: Experian Information Solutions Inc.
State: WI
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: In progress
Consumer complaint received 2021-05-15
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:
Im a victim of identity theft, I have gone through all the proper channels and notified all the proper authorities regarding this. Bank accounts and auto loans have been taken out in my name without my knowledge or authorization. Credit cards applications have been submitted in my name resulting in numerous of hard inquiries on my credit reports. Ive tried disputing these issues with Equifax Ive sent letters and filed disputes online multiple times regarding the auto loan they keep reporting but they give little to no response all they say is verified then when I ask for information pertaining to their investigation that the law states Im entitled to I get completely ignored. They have not provided the correspondence of the people they spoke to during their so called investigation. Ive asked for the names and addresses and the phone numbers of the people they spoke to Ive asked for any documents pertaining to the auto loan, all I get is verified .On top of that issue multiple inquiries were done on equifax credit report Ive called and sent letters with the FTC reports I filed also the police report complaint number from the police report I did to dispute those inquiries and their response was inquiries are factual. If Im a victim of identity theft how are the inquiries fact. They are incompetent and dumber then a bag of rocks with a response like that, just recently more inquiries were done on my equifax credit report. I called the police again and did another FTC report and when I notified them they gave me the same response inquiries are fact. It was then that I made up my mind and just do what my attorney has been clamoring to do since they supposedly verified the auto loan. My attorney is getting the necessary paperwork to file a lawsuit against equifax in a court of competent jurisdiction. Im filing this complaint because I want the United States government and its citizens to know that equifax has shown its incompetence with that data breach they had and they are law breakers who have no respect for consumers of the United States and this is a company trusted with the data on millions of Americans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Nicholas Financial Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
During coronavirus last year I made payment arrangements for my auto loan with Nichloas finacial. I have noticed that they added three late payments from last year. They have had different employees but I spoke to someone each time to arrange a payment with them. One of their employees set a automatic draft for the XXXX when I told them the XXXX because that is when I get a direct deposit from XXXX. XXXX. It was not my fault because of the arrangement that was made by their employee was for the incorrect date. I have previously disputed the late payments but have not been successful. Please help me to get them removed they are incorrect. I am a XXXX veteran and this has really affected my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-30
Company: SLM CORPORATION
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My wife and I submitted an online application to open a joint CD account on XX/XX/2023. Since everyone around us had no trouble opening CD accounts and their applications were accepted within an hour with no additional documentation required, we expected it to be the same. However, we did not hear anything until XX/XX/2023, the day my wife, even though I was the primary applicant, received an email from the bank requesting additional documentation, which are copies of driver 's license and social security card and a copy of a utility bill under her name to verify her identity, but I did not receive any communication from them. I checked my spam folder, trash folder and all archived emails, I could not find any email from them. 
We wanted to open the account quickly, so even though I did not receive any communication, my wife uploaded both of our identification information instead of just hers on XX/XX/2023. We did not hear from them for two weeks, so on XX/XX/2023, my wife called the bank 's customer service department to inquire about the status of our application and to see if there were any issues that needed to be resolved. The customer service representative immediately transferred the call to the security team. She was then told that we had not sent the required documents. She said she did two weeks ago, then the staff told her the documents they received ( they changed to " received '' ) were not sufficient because they were not clear enough and one of the utility bill copies was outdated, even though the XXXX  bill we sent them two weeks ago was current at the time, but we recently received another bill. The staff did not respond to her inquiry, i.e. she wanted to know what problems or errors in our application may have caused the delay or if we have any negative records on our consumer report such as XXXX XXXX  or XXXX XXXX XXXX, but she did not get and answers. Instead, she was told to take pictures of our ID documents so that she could upload them back to their web site. Now opening a new CD account with them is not important for us but we want to know the reason why we have been treated like this way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: Security Credit Services, LLC
State: DC
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:
XX/XX/2019, I received an alert on my XXXX XXXX about a new collection that appears on my credit reports. I sent an email to info@securitycreditservicesllc.com and cs @ securitycreditservicesllc, com regarding failing to send me a Dunn letter regarding the alleged account and demand Security Credit Services , LLC to validate this alleged account. 

Please see the email below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am writing out of frustration and uncharacteristic anger, re : an issue I've had with Comenity Bank and my XXXX credit card. 

I contacted an XXXX after receiving a paper statement ( I typically receive statement electronically ) with an overdue balance. This was disconcerting, because my balance of {$510.00} was paid in full online by my brother in XX/XX/2021. At the time, my entire household was ill with XXXX. My wife and I were ill, but we asked a family member to sign onto our computer and pay all of our bills in full. 

Today, I learned that because the bill paid three days late, the account was charged late fees. I now have a balance consisting of nearly {$200.00} of late charges and interest. I incorrectly assumed that Comenity customer service would help, given the extenuating circumstances. I assumed incorrectly. 

I initially spoke with a representative who offered a " deal '' of XXXX payment, if I made it in full. On principle, I asked to speak to a manager. In speaking with the manager, I was told that now the bill would be subject to an " escalation '' penalty with the total due asap. When I inquired about the initial " deal '' offered, I was told that asking for a manager would always trigger a penalty.

I contacted Comenity and was told that the only recourse would be to file a complaint on their website, which I did immediately. I've attempted to do this three times, and after locating a hard to locate " Contact Us '' page. On each occasion, the form dropped the content and/or I was locked out of the account.

I am disgusted and in need of assistance to resolve an issue that should have never been an issue. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-05
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On Friday XXXX I deposited a check my employer had mailed me. I did a mobile check deposit, a feature offer by my bank Wells Fargo. After the check was deposited, the app indicated {$400.00} of the funds were available now, and the rest will be available the next business day XX/XX/. I proceeded to make a XXXX payment using the {$400.00} funds available. On XX/XX/XXXX  when trying to make a mobile transfer to resolve an overdraft, the app indicated the transfer was not completed because I did not have the funds available, though, the funds were already visible on my savings account. I called the bank on XX/XX/XXXX  and spoke to a representative that informed me to contact the maker of the check because the check was on hold, and will not reprocess by Wells Fargo until XX/XX/, making funds available XX/XX/. I explained the check came from my employer. However, phone representative insisted that I needed to contact the maker of the check to clear up issue. I contacted my employer on XX/XX/, whom informed me the check appeared on their end as deposited and cashed. I immediately called Wells Fargo to relay the information my employer had told me and I was told the same information as Friday XX/XX/. I spoke to escalated rep XXXX, who once again repeated the same information finding no resolution to my problem, I explained the money is needed for my bills, and thanks to the Wells Fargo 's hold I was not able to deposit money into my overdrawn checking account and now I have incurred {$35.00} in fee. The representative refused to assist me, claiming there was nothing else to do. Wells Fargo has used misleading practices in the past, they have obviously not refrain from their activities. I did what I was instructed and yet I cant access my funds, now I will continue to get additional fees. How come I was able to use {$60.00} of the funds that were supposedly on hold? I want my funds release and any overdrawn fees from XX/XX/XXXX  and forward to be reversed

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