BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-11
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chime bank dispute claim id XXXX My mobile device was stolen on XX/XX/20. 
Was reported stolen and service suspended next business day on XX/XX/20. 
On XX/XX/20 I attempted to login to my Chime account via alternate device using WiFi. Access was denied because I had two factor authentication synched with original mobile which was stolen. 
On XX/XX/20 with the help of Chime agent, We changed the contact number in Chime account to the temporary WiFi number so I could gain access. 
On XX/XX/20 Chime support responded back saying they'd updated the number. 
So I logged in right away. 
That's when I noticed the fraudulent transfers that Im disputing. 
How it was done is really not up to me to determine. I just want the funds that were stolen from me. Though it may not seem like a lot if money, It's important to me and I will take the necessary steps to see that it's returned. I am in no position to just give money away.

My suggestion is for our investigative team to due diligence and take a closer look perhaps at the digital footprints that all transfers leave. I would imagine by using some sort of algorithm they should be able to track exactly what account it went to and taking it a step further to check for similar suspicious activity on that account. This is Bank Fraud. This is also my way of assisting the investigation by providing logical information. There is no way I could have done the transfer because I was locked out of my chime account when the theft happened. .All they have to do is look closer at the timestamps in which I interacted with the Chime agents to see this. Right is right. I want my money back and shouldn't be forced to have to open another bank account elsewhere. Now I have also been finding multiple reviews that had similar situations in which Chime is refusing to acknowledge stolen money from account and replace the federally insured funds for it's customers. 
If someone steals your money, you should be able to recover it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Avant Credit Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
my name is XXXX XXXX, on XX/XX/2020 i was approved for a line of credit with avant llc ( avant credit card ) address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX illinois il XXXX. I received a email advising me the card was on its way and in 10 days it would arrive, i called after the 10 days and then was told it would take 15days. after XXXX XXXX i contacted customer service # XXXX and was informed a new card would be sent out, and would take 15days. after XX/XX/2020 i called again. and they informed me they would escalate my file and issue a 3rd card out. this is ridiculous to say the least. i ve gotten emails from XXXX, privacy dept of avant.com etc because i expressed concern that the XXXX annual fee billing statement was sent to me mid - XXXX requested a XXXX payment on XXXX. i have had timeless dialogue with avant. and informed them none of the 2 prior cards arrived or has been activated. they told me i wouldnt have to pay the annual fee unless the card was activated & used, however they placed it on my credit report as a balance on a card i dont even have!! i requested the card cancelled and removed from my trade line completely. month to date i get the run around. i need help. web bank / # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX utah XXXX is the issuer of card that was supposed to be dispersed from nebraska. i totally frustrated with the lack of progress and many 15 day excuses, .my credit score has been lowered by 61points because of this bogis card apparently and no one has the answer as to if the card will ever come, or how the company will repair the damage to my report for a card i have never received. please assist me month to date the problem is still ongoing,. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
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 am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and want an immediate investigation. Please remove the fraudulent information immediately from my file. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XX/XX/XXXX XXXX  XX/XX/XXXX XXXX Addresses : XXXX XXXX XXXX Ct, XXXX GA XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and want an immediate investigation. Please remove the fraudulent information immediately from my file. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XX/XX/XXXX XXXX  XX/XX/XXXX XXXX Addresses : XXXX XXXX XXXX Ct, XXXX GA XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA 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 2023-10-18
Company: EQUIFAX, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I am resending my letters today to all the credit bureaus, to advise them of the inaccuracies that they kept on furnishing on my credit report. Once again, I am requesting these credit bureaus to kindly erase and pull-these invalid accounts out of my files immediately, as these are all incomplete and unverifiable to me. I have already stated everything on my letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: CA
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:
in accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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 with antedates the report by more than seven years.

As noted, federal Identity theft laws are covered under 18 U.S.C.
1028, which prohibits anyone from misusing someone's identifying information, whether personal or financial.

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 2022-11-27
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Navy Federal Credit Union has restricted my user account, all because my latest credit card billing statement was due in the amount of {$250.00} on XX/XX/XXXX, and payment on the credit card wasn't until XX/XX/XXXX. This is predatory, malicious, and repetitive behavior from this institution. I have been a member for almost 5 years now. I know that they are not allowed to conduct business in such deceptive and incorrect ways. My entire user account is listed as being delinquent, however, I paid the Cash Rewards card and according to the message I received from Navy Federal, my payment on the XXXX XXXX is not due until XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX ( XXXX XXXX XXXX ) has reported a false debt to my credit report. I received notice in the mail of an alleged debt. As my right, I then submitted a written request within the timeframe given in the letter for XXXX to validate the debt. I needed proof of the debt as this company is not familiar to me, nor its services. Instead of sending me proof of the debt, XXXX reported a bad debt to the credit bureaus in the amount of {$200.00}. 

Also, I've asked to see written documentation, instead I keep receiving incessant phone calls about paying the debt, but still no proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
They received a {$970.00} check in my account that was closed which was from social security I have talked to representative after representative after representative and they told me that a check was supposed to be sent to me in a cashier 's check for {$970.00} it is my social security check I have not received no check whatsoever and I'm repeatedly being told that I have to wait XXXX business days for the receive the check now it's been over 10 days so they canceled the check and reassured me another check still no check then they canceled it again and sent me another check no check whatsoever I am fed up with it I have repeatedly told them I will be taking further actions against them and I am in the process of contacting social security to let them know what's going on and I am fed up I am angry I've been treated unfairly and on top of it I'm pretty sure the bank is racially profiling me which is a big ordeal I have never done anything wrong to anybody and I'm getting profiled I'm getting disrespected on top of getting discriminated against

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Experian Information Solutions Inc.
State: NC
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:
I recently sent a letter over 3 months ago to the Bureaus and they are disregarding a regular consumer disputes. This if very frustrating to have to worry about my credit while in a pandemic and have been sending letters before this and still no response.

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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
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:
Chex Systems Inc. ( XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX ) -- The amount of XXXX USD was paid in full over 3 months ago and the information has not been properly updated by Chex. 

In addition, this is causing the credit agencies to falsely list that I have not paid off this balance for bank closure. 

Furthermore, it lists that I conducted " abuse or bank fraud '' of which I did nothing of the sort. XXXX XXXX XXXXXXXX unexpectedly, and quite ditsatefully added in overdraft fees when I explcitity signed that I would not like any overdraft services. Fast forward a few years and I find that I have a closed XXXX account that listed as " abuse and or fraud ''. 

This should be criminal as it has hindered my ability to do many things of which is open a simple bank account. 

Chex System, please fix your reporting and list that I have paid the account in full. At this point due to your obvious mistaking I would go further and reccomend a complete deletion from my report. 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 explanation
Consumer complaint received 2019-08-28
Company: Experian Information Solutions Inc.
State: GA
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 have many attempts to resolved matters with 2 fraud accounts reporting on my credit report and incorrect account information and inaccurate late reportings to no avail. Please assist in getting the following incorrect information removed from my credit report. I have been dealing with this matter for many months. 

Please assist me in removing the following items from my credit reports : Fraud Accounts : Unknown accounts on XXXX - Acct # XXXX & XXXX Inaccurate late reportings : XXXX, XXXX XXXX, XXXX XXXX on XXXX, and XXXX Unauthorized Inquiries : XXXX, XXXX, XXXX, XXXX of XXXX, XXXX XXXX of XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-01
Company: MOHELA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
The complaint is against Mohela, the federal student loan servicer. 

I have made 120 qualifying payments to qualify for public service loan forgiveness. 115 of these payments have been previously certified. I submitted my paperwork for forgiveness on XX/XX/2023. They estimate a 90-180 business days for processing time, which is about 7-8 months. They freely admit it takes only a couple days for the agents to process the paperwork, but they dont have enough agents to process the paperwork. The wait time to have my paperwork assigned to an agent is 90 business days, and then it could take them another 60-90 business days to get approval from the department of education. These delays are unacceptable for straightforward paperwork processing. Whats more, due to student loan forgiveness requirements, I have to be at my qualifying employer at the time the loans are discharged, which means that I am not free to change jobs at any point during this long wait time, lest I risk not qualifying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I went into Huntington Bank to exchange some pesos Into dollars I brought in XXXX pesos they said the equivalent was {$4100.00} they said it would be deposited into my account within 7 to 10 business day I waited 10 days I called they said they didnt know anything yet on the 12th day I called and they said that it was denied that the bills that I turned in were old I didnt understand because I had taken pictures of the bill and one of the bills said XXXX thats not that old. when I asked when can I come in and get my money back they said they were not giving it back that it would be destroyed by the federal reserve I said why its my property if youre not gon na give me the {$4100.00} please give me back what I brought in the pesos that was my dads he passed away two years ago he gave them to me and I have a big expense with a new XXXX Ive been in a XXXX for 26 years, I need it to cash it in so I can help pay for my 20 % of my Medicare part. At that time he said he was not able to give me any more information that I would have to XXXX the federal reserve and their practices I asked for a letter phone number address he can not supply me with any information other than I was not getting my money or my pesos back. im sorry but I do believe that that is wrong is my property I should be able to get it back. I am a XXXX year old woman, I went ahead and googled the federal reserve I called them they suggested for me to put in the complaint to the consumer finance because its not right and I want my money back dollars or pesos. I could really use the dollars to offset my unexpected expense but if they cant do it then I believe I should get my pesos back I dont understand why this process is so misleading and so wrong. thank you in advance for your time to look over this complaint I hope things can get resolved and I hope that this practice is not really used by the federal reserve of destroying money without explaining why or not given the money back as a souvenir even I just dont understand. I do have a receipt from the bank I do have pictures of the money in case I need to turn them in I can do so.please I hope to hear from you soon have a blessed day.Thankfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: Georgia Student Finance Authority
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I pulled my credit reports recently. I found that Georgia Student Finance was listing a loan with three credit bureaus. The balance is for {$2700.00}. Due to financial issues from the pandemic, I am unable to afford to pay this balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XX/XX/XXXX and XX/XX/XXXX. Was out of work for Covid 19. Fall behind and I did pay the monthly off in XXXX when I went back to work So they reported it as late on my credit report I ask the credit bureau to remove and they said no And XX/XX/XXXX I had death in my family was out of town for 2 months left my credit card at home my sister died and left a XXXX  son and trying to get a house so he can move I. With me but these late payments are hurting me I been deny a lot of things because of these late payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: Exeter Finance Corp.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
The vehicle in question the finance company is saying that I own the loan but in fact I do not, somebody else got the loan in my name therefore leaving me with a bill that doesn't belong to me which I've been the victim of identity theft. Request the finance company of Exeter finance remove it from my credit report immediately and excuse it from my name and social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have many attempts to resolved matters with 2 fraud accounts reporting on my credit report and incorrect account information and inaccurate late reportings to no avail. Please assist in getting the following incorrect information removed from my credit report. I have been dealing with this matter for many months. 

Please assist me in removing the following items from my credit reports : Fraud Accounts : Unknown accounts on XXXX - Acct # XXXX & XXXX Inaccurate late reportings : XXXX, XXXX XXXX, XXXX XXXX on TU, and XXXX Unauthorized Inquiries : XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX 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