BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-05
Company: Chime Financial Inc
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I submitted two disputes that were denied on XX/XX/XXXX and XX/XX/XXXX for {$4700.00} and {$2000.00}. 

Both diaputes were submitted with complete signed and dated dispute forms and assigned police reports which detailed the theft of my property and were both denied and appealed and denied by Chime. 

I am protected by Visa snd would like for my money to be returned and have complied with bank requests and wish my money returned to me plus damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Possible Financial Inc
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I emailed this company 50 or more different times. I wanted to pay this loan off in total before the due dates I went on the app and it would not let me payoff or make a payment of any sort. I tried 5 different banks 30 different times and the app had a error code I emailed asking whats going on they instructed me to click a link I did another error code I asked for a phone number 40 times they said they dont have one I became frustrated because this is as a month and half long email process back and forth, the end of XX/XX/2022 they finally emailed me saying I could pay by money order I ask where and who I make payable to the first of XX/XX/2022 they send me how. I sent full payment. They marked my payments late on my report and I told them from beginning I dispute the fact that its late due to out of my control and there app wouldnt not allow me. They said theyll fix it and note the account they did not and marked me down as late 2 payments. I have all communications between them and screen shots of app error code trying to pay loan off on time before time is due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: Southwest Credit Systems, L.P.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to the file this dispute. I also constitutes a FEDERAL CRIMINAL VIOLATION punishable as perjury under 18 U.S.C 1001. Additionally, these misstatement are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Problem with personal statement of dispute

Complaint:
Account Name : XXXX XXXXXXXX Account Number : 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 2021-11-10
Company: ALLY FINANCIAL INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I had a loan with Ally Financial the last four digits of the loan account were XXXX. 

In review of my XXXX Credit report I am seeing that Ally has only made minimal entries that the Credit Bureau sees.

1. - Only three entries for the Balance of the loan 2. Only two entries showing the scheduled payment amount 3. Only one entry showing an actual payment of {$520.00}. 

I would like these entries to be corrected and complete for the time I had the loan with Ally until I paid it off.

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 2023-09-10
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:
Filed many disputes for almost a year now with Consumer credit bureaus and sent XXXX letters since XX/XX/2023. Has not be resolved per my countless request.

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 2022-09-16
Company: TRUIST FINANCIAL CORPORATION
State: PA
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:
Hello, I have been trying to get a SECURED CREDIT CARD for a while now. I first tried to get one from my Bank and they sent me a denial and a credit consumer report saying would have to call them to figure out why. I called them and sat on the phone to be told to email them. the email stated i had a XXXX XXXX debt to income. I tried signing up for XXXX and they said i couldn't sign up for security reasons. and finally XXXX XXXX says my records are not listed in the credit bureau. I have never had a Credit card before to build debt or credit and i dont owe anything to anybody and i dont receive any bills for stuff i didn't pay.Any help with this would be 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 explanation
Consumer complaint received 2022-09-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
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:
respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you'll fix the situation. Here 's the wrong info : Account Name : USAA SVG BK Account Number : XXXX Reason : Incorrect late payment Account Name : USAA SVG BK Account Number : XXXX Reason : Incorrect late payment I keep immaculate records of payment history a crossed all my bills and accounts, and there should be no late payments showing here. 
Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 
I take this very seriously and I would appreciate it if you remove the late payment marks off this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions 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:
My deep frustration and utter dismay regarding the ongoing presence of fraudulent accounts on my credit report, despite my repeated attempts to have them removed. I demand immediate action to rectify this egregious error and restore my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can not overstate the frustration, XXXX, and inconvenience this situation has caused me. I have spent countless hours communicating with your bureau, providing the necessary evidence, and patiently waiting for resolution, only to be met with repeated indifference and inaction. Your lack of responsiveness and inability to resolve this issue promptly is not only unprofessional but also exacerbates the harm done to my financial well-being. 
Failure to comply with my request will leave me with no choice but to take legal action against your bureau for negligence and noncompliance with the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws.

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 2023-10-06
Company: EQUIFAX, INC.
State: NJ
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:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXXXXXX XXXX XXXX account # XXXX & XXXXXXXX XXXX XXXX  account # XXXX has violated my rights. 

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

16 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

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 2023-10-03
Company: EQUIFAX, INC.
State: IA
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 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 2022-09-17
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agancy can not furnish a account without my written instructions. 
This account was removed from XXXX and not Experian. Would like a reinvestagation into this account. 
As of now XXXX and XXXX doesn't show this account list on credit report. Making this account inaccurate And should be 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 2020-08-29
Company: EQUIFAX, INC.
State: MA
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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: GOLDMAN SACHS BANK USA
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: Information belongs to someone else

Complaint:
I noticed on my consumer report that there was an Apple Card/GS Card USA that I never opened. I have submitted my theft affidavit and I need this account closed and removed because it is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: EQUIFAX, INC.
State: PA
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 had a series of inquiries added to my credit profile today. I do not have accounts with these companies and never applied for any accounts. It appears with fraud and identity theft happens today or this week rather. These inquiries should be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 had a series of inquiries added to my credit profile today. I do not have accounts with these companies and never applied for any accounts. It appears with fraud and identity theft happens today or this week rather. These inquiries should be removed immediately

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 2022-09-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
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 was checking my credit report today and noticed that this company had added and erroneous debt to my credit report in the amount of {$320.00}. I did not do business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: CITIBANK, N.A.
State: MI
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:
Amex /dsnb was charged off on XX/XX/XXXX but still reports monthly late payments XXXX was charged off XX/XX/XXXX but still reports monthly late payments According to section 166 of the Internal Revenue Code, federal regulations require creditors to charge off installment loans after 120 days of delinquency, while revolving credit accounts must be charged-off after 180 days.

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 2022-02-01
Company: Choice Recovery, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
i am giving you an opportunity to cure, due to improbability negligence or mistake after this and i do not get remedy my notary will issue me a certificate of dishonor and i will be filing civil action against your company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Global Lending Services LLC
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: Account status incorrect

Complaint:
Auto loan XXXX XXXX XXXX XXXX account was open. 
Driver license and social card was stolen someone used information to open up bank accounts, XXXX XXXX, XXXX, XXXX XXXX. Cellular phone companies XXXX, XXXX XXXX XXXX and many other pay day loans online

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Kriya Capital, LLC
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:
There is credit reports older than 10 years showing as just opened. I have 2 seperate child support delenquit payments showing. I only have XXXX  child case. Some of my name 's showing are wrong. Derogatory marks from a bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-05
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Hi Sir, Greetings of the day.

I need your help in settling my lease account with NISSAN MOTOR ACCEPTANCE CORPORATION ( NMAC ), XXXX XXXX XXXX, XXXX, TX XXXX. 

I traded in my leased car ( from NISSAN ) to XXXX XXXX of XXXX, PA on XX/XX/2020. XXXX XXXX agreed to buy back the car from NISSAN by paying the residual value and outstanding lease payments. Accordingly, they sent the following payoff checks to NMAC : 1. 1st check was received by NMAC on XX/XX/2020 ( Amount- {$14000.00} ). This check was never processed. Hence XXXX XXXX had to cancel this check and send a new check. 
2. 2nd check was received by NMAC on XX/XX/2020 ( Amount- {$14000.00} ). This check is also unprocessed till today because of their negligence. 

I tried to call them multiple times to process the payment and close my account. Every time they give the reason for the delay is COVID 19 pandemic. They have an SLA of 15 days which they have violated already. They are very insensitive. 
Now they have moved my account to their collections department and I am getting harassed by the collection agents for payment again. Additionally, they are also charging late payment fees to my account. They are also threatening me that it will be reported to the credit unions. 

I am going through enough mental trauma for more than a month now. 

Please help me get this resolved as soon as possible. 

Thanks and regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
this was not sent in error i am a consumer by law and my informaton was misused and now i have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.

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