BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I've had an account with Chime for more 3 years now, in which I have my XXXX check deposited every month. Starting back in XX/XX/XXXX of XXXX I started noticing different things with my account first off they never gave me the XXXX refer bonus they promised, then they have my phone number and a woman named XXXX, under the same phone number attached to my account so that has become a problem with different transactions which I contacted Chime about on many different occasions starting in XXXX of XXXX of this problem to no avail. I also noticed unauthorized transactions coming from XXXX XXXX XXXX XXXX XXXX XXXX, I've had this problem with XXXX through several different accounts now, so I also contacted time to dispute these to dispute these transactions, in which after going through the process several times they denied I even rebutted because they denied ( in less than 24 hours they said they had investigation the problem, ) I have disputed the same transactions with time on about eight different occasions starting at XXXX all the way up until XX/XX/XXXX of XXXX. The problem with XXXX having the same number as as I has cost me money also because when transferring money to another card it paid XXXX instead of me which I also contacted talking about several times disputing this problem and to no avail also. I also have contacted the time because when I signed up for my account I was told that I would have a {$200.00} spot me account where if need be after meeting their requirements which were I was to have a direct deposit every month and stay in good standings with them which I have yet I haven't gotten the perks from what they promised in fact their spot me program also has where friends boost each other {$5.00} a month and I don't even get my spot mes, from other members that send it to me I've also made them aware of these problems this problem to no avail. Several times now I've reached out to time and that associates to have these problems fixed after making sure that I had followed all the rules and regulations and got the federal guidelines yet Chime does not has not done the same I've attached documentation to prove what I'm saying thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-11-03
Company: MECHANICS BANK
State: CA
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:
An account from Mechanics Bank XXXX XXXX was deleted from all credit agency reports after this account was charged off in XX/XX/XXXXXXXX  as it was also Written off with the balance of {$9100.00} After this account was deleted from my credit reports, a collect company appeared on my credit report for this charged-off debt from Mechanics Bank . 

When I contacted the collection company, I was told the account was sold to : XXXX XXXX : This collection company never sent me a notice that they had this account in their office. 

I called Mechanics Bank XXXX XXXX on XXXXXXXX  to see who holds the collection of this account. Mechanics Bank ( XXXX ) told me he did not know who now holds this collection. 
I could call bank on the next business day and he might have some information for me, as he did not have any information about this account in his files at their office. 

On XXXX I called Mechanics Bank back and spoke with XXXX again, who told me the last known collection company for this account was with XXXX XXXX XXXX XXXX XXXX . 

On XXXXXXXX  I called XXXX XXXX XXXX XXXX who informed me the account was sold to : XXXX XXXX  he gave me their number and account number. 

On XXXXXXXX  I called XXXX XXXX  and spoke with XXXX XXXX who informed me the account was no longer in their office, that it might have been sent back to Mechanics Bank back in XXXX of XXXX. 

On XXXXXXXX  I called Mechanics Bank and spoke with XXXX again, who informed me, that the statute of limitations on this account was up and this account was no longer able to be collected. He said, he will accept a settlement offer of {$13000.00} if I was willing to pay this. I told him the last known balance with a collection company was only {$9100.00}. He informed me that if he was to accept a settlement offer from a charged off account that was already closed, they were adding interest to this loan. The account is charged-off and closed, but they wanted to collect an additional {$4300.00} on a debt that is uncollectible due to the statues being up on this account. 

The vehicle was repossessed in XX/XX/XXXXXXXX  ... Charged-off, and then sold many time to different collection companies, from one collection company to another collection company. Because no collection company kept the debt, and the original creditor Mechanics Bank sold it, they decided to say they now had the debt back in their office, when just the day before, XXXX was working on helping me locate the collection company that had bought the debt. Therefore, the debt was paid when the collection company purchased the debt from Mechanics Bank back in XXXX. 

Mechanics Bank removed the original account from all credit bureaus back in XXXX, and now decided to collect on a debt that is uncollectible and place it back on the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent the FTC report that Equifax required to remove the unauthorized inquiries on my credit report. I sent two times and they are claiming that they didn't receive any of them. That is why I decided to go through this agency, so this complaint will be directly sent by your department 's credit bureau ( Equifax ). The inquiries that I want to be remove from my credit report is : XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: NY
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:
This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 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 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 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 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 non-monetary relief
Consumer complaint received 2023-11-02
Company: Affirm Holdings, Inc
State: FL
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 am writing to file a formal complaint against Affirm Inc regarding a collections account ( Account XXXX XXXX ) that appears on my credit report. I believe that the handling of this account by Affirm Inc violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( a ) ( 15 USC 1692g ), which mandates the validation of debt upon a consumer 's request. 

As a consumer, I am seeking the intervention of the Consumer Financial Protection Bureau to address this violation and ensure that my rights under the FDCPA are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Credit Bureau of Jamestown, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been getting repeated phone calls from MetCredit for a medical bill to XXXX. I called XXXX it turned out there was some confusion between them and my insurance company, which I resolved. ( XXXX had my XXXX  Copay listed at {$30.00}, which is what it said on my insurance card, but the provider had, unbeknownst to any of us, raised the copay to {$45.00}. I had visited twice, paying {$30.00} each time. For some reason XXXX was sending the bills to a very old address rather than the address they confirmed they had, which was correct ). I got a confirmation number to confirm that I didn't owe any money. When Met Credit called again I attempted to give them that number, and they refused to accept it, telling me it was up to me to fix it, and then hanging up on me. I don't know what more I can do to fix this, The bill was for {$30.00}. The most recent call was at XXXX XXXX on Friday, XX/XX/2021. 

The confirmation number given me by XXXX is XXXX confirmation # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, 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:
CFPB + Equifax + XXXX + XXXX, There is a credit card I am an authorized user on - that is not showing up on my credit reports - that should be showing up. 

This is for a XXXX XXXX XXXX XXXX  - dated XX/XX/2019 - it has always been paid on time. 

My drivers license ( for ID and address ) plus full account information is attached to this complaint. 

Please have this card show up on my credit reports as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
Disputed this information and it was never removed.

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 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-11-02
Company: ALLIANT CREDIT UNION
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
( ORIGINAL COMPLAINT ) Alliant Credit UNION : Account # XXXX. Alliant Credit Union engaged in deceptive practices when I deposited money to make a credit card payment into their financial institution and received a receipt. Alliant however, decided despite the payment receipt and me depositing the money for the purpose of the credit card payment, that they would apply this payment to another account. This in turned caused a late payment on this account. In subsequent phone conversations, Alliant representatives assured me that this would be corrected. It has not, and as such, I am demanding that this missed payment be removed. I have attached a bank statement showing the deposit made into the account. The day after a deposit was made to the cc, the financial institution transferred the money to two separate loans. NONE of the accounts were more than 30 days. The institution caused the late payment. I have attached both my bank & credit card statements ( highlighted ) with the deposit made & paid. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. 

( FOLLOW-UP ) The company has not corrected the issues to date, even after sending a letter stating that they would. I have called for months to no avail. The responsible department does not call or follow-up. The representatives state that the department only responds to emails and does not take calls. Well, they do not return internal email requests or calls either. This is an unfair practice to consumers! This negatively impacts consumer credit reports and time. I am attaching the letter received from the credit union. I would like my report to be corrected and Alliant investigated for deceptive practices and for violations of federal law. Regulatory action should be taken against them! XX/XX/2022 spoke with XXXX w/Alliant, she stated that she is filing a complaint and submitting to her supervisor, but nothing is done!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: AES/PHEAA
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello, I submitted my PSLF paperwork to fedloan in XXXX. In XXXX they approved 83 payments. They did not include payments I made from XXXX XXXX XXXX while I was working for the XXXX XXXX for a member of XXXX and that employment was also not listed as an approved employer. I have called FedLoan 3 times but they tell me I need to wait to for the waiver to be applied. But these payments arent part of the new waiver and should have already been counted. I submitted a complaint through studentaid.gov on XX/XX/XXXX. Their website says 15 days and I should hear back but I called at 15 days, 30 days, and again today at 35 days and they still have no information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: EQUIFAX, INC.
State: MN
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:
I have been XXXX  for 5 years and someone use my identity to apply for credit, heres a list of unauthorized inquiries on my credit report that i wish to be removed : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All the above inquiries is unauthorized and should be disputed from my XXXX Report and all 3 Credit Bureaus XXXX Equifax And XXXX Under the laws of the FCRA ( 15 USC 1681-1681u ) these unauthorized inquiries and accounts must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX I am filing a complaint to have my credit file information blocked/freeze do to inaccurate information. 
My name is XXXX XXXX XXXX my DOB is XXXX my SS in XXXX. PLEASE DELETE THE FOLLOWING ADDRESSES THEY ARE NOT MINE : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX PLEASE DELETE THE FOLLOWING PHONE NUMBERS : ( 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 non-monetary relief
Consumer complaint received 2023-11-02
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Synchrony Bank will still not update the credit reports. 
I am doing a transfer and the new lender can't get the correct info off the website for XXXX or other as they won't update paid off accounts,. 

Care Credit, Car Credit and Paypal online.

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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting 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 teh investigation on these accounts on these accounts. I am never been late in this account.

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 2021-10-25
Company: Bread Financial Holdings, Inc.
State: NJ
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 received a call from XXXX for an application i did not initiate for credit. This prompted me to check my credit upon doing so I discovered an inquiry from Comenity for a XXXX credit card. I called on XX/XX/XXXX and spoke to XXXX she refused to help. Today XX/XX/XXXX I received a letter from Comenity see attached, again i call and tell them this fraud they refuse to help me. They want me to confirm my social and date of birth when these are clearly the missing pieces and if i provide this will complete the fraud. They refuse to help even though i am giving them app number off if their letter and am telling them its fraud. I did not initiate this app please cancel and withdraw inquiry from credit bureaus. What does someone have to do to get a bank to listen that an application is fraud

Company response to consumer: Closed with non-monetary relief