BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-28
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was closed by Chime XX/XX/2020 i have reached out to them several times about them sending my money after the account closed. The total amount in the account is {$4500.00} i was told 2 months ago that i would receive the money within a week. After that week passed i reached out to them again no response and Ive been getting the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
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: Credit inquiries on your report that you don't recognize

Complaint:
Inquiries on my credit report that I did not authorize : XXXX via CONSUMERINFO XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Cant get credit report scores and they did not fix violations to your consumer statues and of congress experian XXXX and XXXX XXXX gave me a D on business credit and XXXX and XXXX has me at A discrimination

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

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 2023-04-05
Company: EQUIFAX, INC.
State: VA
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'VE CONTACTED THE BUREAUS MULTIPLE TIMES REGARDING THIS ACCOUNT. PROVIDING DOCUMENTATION OF WHO I AM AND WHERE I'VE LIVED INFORMING THEM THAT THIS ACCOUNT HAS NEVER BELONGED TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My student loan account with XXXX/XXXX  was opened on XXXX XXXX and the account became active for repayment on XX/XX/XXXX. 

The account is closed and was paid in full on XX/XX/XXXX. This bank has been inconsistent in their reporting of this account, particularly by reporting it in good standing only after I filed a dispute and even then, they only updated 1 of the 2 credit bureaus with the accurate information. There are several months over several years where the data for payment and other account information has been reported as 'Unknown ' or not at all. 

Further, the first date of delinquency on this account was XX/XX/XXXX which is over 7 years ago yet this bank has failed to remove this account from the credit bureaus. All three credit bureaus have stated to me that the accounts should be removed. I contacted this bank, both by phone and mail, requesting that they update my credit reports. Instead of removing the accounts, they cherry pick a payment date and confirm it, keeping the accounts on the credit file. I spoke with this bank today, XX/XX/XXXX, and they attempted to do the same thing. 

They have failed to take the appropriate and lawful action to correct my credit profile. I have suffered as a result of this negligence in higher interest rates and credit denial. As a statement of fact, I have 13 other accounts on my credit file, all with exceptional payment histories. XXXX/XXXX  is the only adverse account on my credit file. This bank has been so negligent in their reporting that they reported the status of my payment for XXXX and XX/XX/XXXX as OK but then reported the status of my account for XX/XX/XXXX as 90 days past due. How is it possible to be 90 days past due in a month where the previous two months were reported as OK/Paid? This is but one example of the gross negligence of XXXX/XXXX  regarding my account. 

This gross negligence and neglect to my account in the credit bureaus appears to have been intentional as I have made this known to this bank numerous times. I am requesting that this account be removed from all three credit bureaus immediately and not reported to them again, as it has been over 7 years since the first date of reported delinquency. My next step will be to take legal action. I am also reporting this matter to the State Attorney General 's office.

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 2024-01-09
Company: Fidelity National Information Services, Inc. (FNIS)
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:
XXXX XXXX XXXX breached the terms and conditions and violated my privacy pertaining to a checking account that I opened with them by sharing my non public information and information pertaining to my account with a third-party company by the name of ChexSystems without my pior consent. This breach is not only a violation to the terms and conditions that I signed at the opening of the account but is also a violation to 15 U.S.C 6801 and 15 U.S.C 6802.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
A family member stole a debit card to one of my checking accounts without my knowledge or consent. She took the card out of my purse unaware. I have four accounts at BOA and I did not know the card was missing until one day I went looking for it. I thought I had misplaced it. A few days later, I was looking in my purse for something else and the card was placed back into my handbag. My niece is the only one that comes and go into my home at will, because I help her with her children, and she has done this to me before. She has used my credit cards before with out my knowledge or consent. I was angry at my niece for stealing from me as she has done on more then one occasion. This time I filed a police report to have her charged and arrested for stealing my credit and debit cards. 
I filed a fraud claim at the Bank Of America and even though I sent in the police report, I was denied my claim of almost {$7000.00}. The claim was for almost {$9000.00} when I filed it. I was granted some but not all of the same claim that I had summited. They know this is fraud but refuse to refund my money. I don't have this kind of money to give away. The claim number is XXXX. I am also sending complaints to all the media outlets. BOA should be ashamed of themselves.

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 2021-08-30
Company: Nelson Cruz & Associates LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was checking my credit report, noticed a collection account, an account that I've never heard of. 

Nelson Cruz Associates XXXX XXXX XXXX in the amount of {$640.00} opened on XX/XX/2021 That's impossible! I DID NOT OPEN ANY SUCH ACCOUNT! The company has extremely limited contact information, no address nor phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: URS Holding, LLC
State: OK
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called the US Department of education in regards to my student loans they advised me it was handled by an outside collection agency. I contacted An agency called Al.Tran Education. I have no problem paying back my student debt as i am making low monthly payment. If i had realized i had option to pay back my loans i would of done it in the beginning. The negative effect of the late payments being on my credit report has but a strain on my ability to apply for loans and apply for credit as needed. This also has placed a financial burden on my ability to live. I have contacted Obudsman Case # XXXX in regards to asking for a good will in having the late payments of my credit report removed and was advised they do not do a goodwill removal of late payments. I am asking for a fresh start to move forward as negative payment information will stay on my reports until 2023 at the latest. i have attached my payment agreement with Alltran education for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-11-30
Company: Klarna AB
State: RI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have a buy now pay letter loan with Klarna that I was intending to payoff in the 3 months before interest kicked in. It is for a 24 month term and I intended to prepay in bigger than minimum payments as the truth in lending disclosure states there is no prepayment penalty. 
When I went to make a bulk payment of {$1000.00} I wasn't allowed. I could either make the minimum payment of {$98.00} or pay it in full for {$2000.00}. 
I reached out to customer service to say I wanted to pay as much as I could before interest kicks in and they told me I had to make seperate {$98.00} dollar payments each week instead of a partial of a XXXX. Doing this would mean I would have to pay them interest on a much larger balance. This is cumbersome and it only lets you make one payment per week which means I wouldn't even be able to pay {$1000.00} in the month. Making it nearly impossible to pay the loan off before accruing interest. 
This is an unfair, deceptive, and abusive practice. They put everywhere, prepay to not pay interest, that is their whole scheme- yet when you go to do it you get pushed into paying them interest by not realizing you can't make bigger payments to make that possible. 
This lender is negligent and causing harm to consumers by overcharging them interest by not allowing them to make partial payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: MJ Altman Companies, 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 status incorrect

Complaint:
MJ Altman company in XXXX, is reporting delinquent on an account that I already paid, it was paid through my lawyers submittal of the bill and my insurance company, despite the fact I sent them the bill showing it was paid, they refused to remove it form my credit preventing me from getting my VA loan on my house as I am a XXXX veteran, all my bills are paid through my lawyer who also sent me a snapshot of the bill that was paid through XXXX payment system through XXXX in which I submitted to them and they refused to remove it from my credit. They keep arguing with my lawyer and me and continueously ask for more personal information not needed which makes me worry they want too much information for, I sent the bill to them and the proof of payment and account info and the amount credited shows a XXXX balance as the full amount was credited yet they still refuse to remove it from my credit after much proof. I had three accounts not valid put things on my credit the month I was closing on my house and got denied for the VA loan and not one of them are valid and they refused to remove it from my credit. I have one report filed and have to file another report as well as they both refused to remove what is not mine or not valid from my credit. I totally had my credit destroyed by thieves as I had a XXXX credit score and I have been robbed and even forced into a chapter XXXX and these things or crooks are destroying my credit, I worked really hard and value my credit rating and it got destroyed. by jealous people. I am XXXX from the XXXX and XXXX and earned my benefits that others keep relentless destroying or trying to take from me in one way or another. this is the 2nd complaint and I have one more, all posted in the month of my closing. MJ Altman is a third part to fire and rescue in XXXX XXXX   emergency after I got hit by a car they were supposed to fix the issue but I was told MJ Altman is a third party and they dont deal with them, I must fix the problem and me and my lawyer showed proof and they are still denying it and I have the proof of payment and they keep harassing me saying I owe them when I dont and reporting it on my credit damaging it. MJ ALTMAN ( XXXX ) 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 explanation
Consumer complaint received 2023-11-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
ON XX/XX/XXXXXXXX  I call for an insurance Quote spoke to a agent name XXXX discuss payments. Having prior insurance back in XXXX  A clinch in there system set up a unauthorized payment in the amount of $ XXXX.I already have car insurance. I was shopping around once I took notice of the payment transaction its been a problem. I ask for a stop payment denied disbute denied money return to my checking account. Deceptively will never work please have money retrun they took from a unauthorized account used back in XXXX.Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Well Fargo allowed me to take on a mortgage without having any insurance. I purchased a condo in NJ. The XXXX  only covered the exterior of the property. I didnt know this at the time. However, a renter set the place on fire and this is when I learned I was uninsured. How could they let me take out this loan without making sure I was insured. They did absolutely nothing to help me. I had a mortgage and no way to pay for these damages.

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 2023-01-03
Company: ADP Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Wisely was the card of choice with XXXX XXXX XXXX and this organization was the only way that I was able to get my paycheck when I first moved over to XXXX XXXX XXXX XXXX The XXXX XXXX XXXX. 

It is my belief that due to the proximity of this shelter to organizations such as XXXX that this became a common piece of mail with a unique senders address that they became very familar with recognizing. 

Issues that I ran into at this address as well as XXXX XXXX XXXX XXXX include : holding the mail, the use of social engineering to allign purchases of goods and/or services with people, places, or things with ties to the organization for some level of evaluation that was used in the placement of social services, housing, or benefit review without the consent of oversight to monitor for abuse, neglect, or misuse of these types of tools. 

Often did not have the consent of the consumers whose credit this impacted and often did not care as most of them they would disable and then use incidents like this to ruin credit or banking opportunties to " burn '' the consumer from any future of having access to these types of tools. They do not allow consumers to foward their own mail from the post office but instead require the consumers to goto the shelter in order to pick up their mail. They do not notify the senders that the receiptants have moved. In some cases they call the vendors, banks, or other organizations posing as the consumer themselves in order to reverse engineer their accounts, gain intelligence on the consumer, and do things to wreck their consumer credit score. It is well known that they employ former vetrans and those in lower level security jobs like XXXX XXXX XXXX to act as agents tio gain intelligence on these consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: BMW Financial Services NA, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing this letter to dispute my late payment on my XXXX, XXXX, XXXX credit reporting on XX/XX/XXXX with BMW financial service for XXXX days late. I made a payment of {$950.00} from my XXXX XXXX XXXXXXXX bank account on XX/XX/XXXX, in which it shows posted and taking out on the XX/XX/XXXX of my account on my bank statement that is attached below. The payment was posted and within XXXX days before reporting to credit bureaus. I spoke with a BMW XXXX customer service representative on XX/XX/XXXX on a recorded line and he said my payment post on their end on XX/XX/XXXX, which he said is within the XXXX days as well but said its a automated system error and they dont have control over it and I will have to explain and put it in writing with proof. I have never had any issues of any negative reporting/marks on my credit report and do not plan in the future.

Company response to consumer: Closed with explanation