BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-12
Company: Chime Financial Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Chime.. XXXX XXXX  to XX/XX/XXXX... XXXX $ ..I reported money coming up missing..and chime basically shut my account down..My email and chime was hacked. My XXXX thru XXXX XXXX was also hacked too... I think I may have open accounts in my name I know nothing about..my XXXX account was shutdown..I also see I may have had XXXX obtained somehow. I keep seeing it my email. I need help please sorting this out...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
To Whom It May Concern I have been monitoring my 3 main credit reports with the intention of trying to improve my credit and maintaining a fair to good score from all three bureaus. There are 2 accounts that have been disputed and taken off my XXXX score/report, however they still appear on my Transunion and XXXX reports XXXX I believe my privilege of challenging/disputing said accounts are being ignored from the two agencies, which are resulting in inaccuracies in all 3 reports/my FICO score. 

I don't believe Transunion or XXXX are making any solid efforts to resolve this, as I have disputed both accounts with both agencies recently and yet they are still on my reports. Under 15 U.S.C. Sec 1681i ( a )?, they discrepancies must be proven to be accurate, or they must be deleted. 

The said accounts are XXXX XXXX XXXXXXXX XXXX in the amount of {$62.00}, which was disputed and removed from XXXX in XX/XX/22. The other account is XXXX XXXX XXXX which was disputed and removed from XXXX back in XX/XX/22. I have provided snapshots of all 3 credit reports for review. 

I have talked with an attorney friend of mine of this, and she believes my Fair Credit Reporting Act right are being violated, specifically Sec 15 1681 section 602. A ( which states a right to privacy ) and also section 604.A, section 2 ( which states a consumer reporting agency can not furnish an account without my written consent. ) I have filed a previous complaint to your agency about Transunion, your complaint ID # XXXX. I'm writing this as a new complaint and supplement to that complaint.

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 2021-07-10
Company: EQUIFAX, INC.
State: CA
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : XXXX : NOT PROVIDED 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
7. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA 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 2023-01-24
Company: Resurgent Capital Services L.P.
State: TX
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:
PLEASE SEE THE ATTACHED LETTER THAT WAS SENT LAST MONTH TO LVNV FUNDING LLC. I AM ASKING FOR VALIDATION BECUASE THIS ACCOUNT DOES NOT LOOK FAMILIAR TO ME AND I HAVE BEEN COMPENSATED FOR A DATA BREACH SO THIS MAY BE THE CASE. ALSO, I DONT SEE THAT LVNV FUNDING LLC IS LICENSED IN THE STATE OF TEXAS TO COLLECT DEBT. I CAN BE WRONG BUT PLEASE REFER TO THE LETTER AND PROVIDE THE REQUIRED INFORMATION. IF NOT, PLEASE CONTACT THE BUREAUS TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORTS IMMEDIATELY. EITHER WAY, I AM EXPECTING A RESPONSE REGARDING THIS ACCOUNT. PLEASE SEE THE ATTACHED LETTER DATED AND TIME STAMPED FOR YOUR REFERENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: WELLS FARGO & COMPANY
State: TX
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:
There was a XXXX booked on XX/XX/2023 by someone other than myself using my debit card without my permission. The total was {$3600.00}. The booking was canceled on XX/XX/2023. The owner stated there were no refunds. I contacted XXXX to fix this, to which they said it was up to the owner 's discretion. They gave me the owner 's contact number to resolve. The owner stated he deserved the full amount for taking his property off the XXXX platform for XXXX hours. I explained it was not me who booked it and I could not afford to give him that much money for services not rendered. He refunded {$1300.00} and stated he would keep the rest of my money ( {$2300.00} ). I then filed a claim with my bank, Wells Fargo, who temporarily refunded {$2200.00}. They then concluded on XX/XX/2023, that I did give permission for this transaction and {$2200.00} was withdrawn again.

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 2023-06-10
Company: Experian Information Solutions Inc.
State: MA
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$5000.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$15000.00}, XXXX XXXX XXXX XXXX Balance : {$24000.00}, XXXX  XXXX XXXX Balance : {$2000.00}

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 2018-08-20
Company: WELLS FARGO & COMPANY
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a mortgage modification with Wells Fargo approximately XX/XX/2014 because we had a significant loss in our household income. Wells Fargo denied our modification and as a result we had to file chapter XXXX bankruptcy to save our home. We sent them every thing they required of us and we were denied. Wells Fargo actually lied to us from the beginning when we first received our mortgages. They told us that once we made our payments on time for a year we would be able to refinance and possibly rid of our second mortgage. When we called after 1year we were told we also needed a XXXX credit score, which was never disclosed.

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 2023-12-08
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Voluntary repossession

Complaint:
That account does not belong to me I need that account to be block and remove on 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 explanation
Consumer complaint received 2022-11-13
Company: Foris DAX, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
The first email notification I can find is for XX/XX/XXXX - essentially I have a CRYPTO.com account where I had a wallet holding some cash, as well as a {$4000.00} XXXX investment that also got me ( if I remember correctly ) their " green card '' - a visa card, and for this deal I also got XXXX and XXXX paid for by the company, CRYPTO.com I received my first notice on XX/XX/XXXX, I believe, that the card wasn't working, and that payments weren't going through. I decided to look into it, and I couldn't gain access to my account. Now I've had a bunch of back and forths with their customer service and they refuse to grant me access to my account- more accurately, they've been telling me they are looking into it for the last XXXX weeks but every time I reach out, they say their team is looking into it and they won't give me a passcode. I asked to cancel my account early in those exchanges ( the first day ) and I don't know if that has anything to do with them stalling and not getting me back in. They don't express any concern whatsoever about whether I am who I say I am, they just tell me they can't figure out how to send a passcode to get me back into my account. I smell XXXX. It feels like a scam. It's my account, I put money into it, and now I can't get even get in and they won't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: DISCOVER BANK
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
From my Discover bank checking account a wire transfer was processed on XX/XX/XXXX to my wifes XXXXXXXX XXXX ( XXXX ) for {$22000.00} usd. 

First Discover told us, the recipient bank had the funds, so we called my wife bank and they told us they don't have the incoming wire, and Discover wasn't able to provide tracking # Few days later Discover told me the wire was on hold by the Federal Reserve and they asked for more information, we supply my wife social security, address and citizenship. 

Days later, I called the Federal Reserve and they told me they don't hold for that timeframe, that I should file a complaint with CFPB. 

XX/XX/XXXX I asked Discover to return my money and I was told they don't have it. I have talked to several supervisors and none has an idea where is it or what to do. They tell me the Reserve has it, the recipients bank has it, the intermediate bank has it... 

Every time I call they tell me 3 to 5 business days, and on the 5th day they " reset '' the days again due to is a new request, so I have been on a loop. 

Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-20
Company: CREDIT ACCEPTANCE CORPORATION
State: AR
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:
ok in XXXX i purchased a car a XX/XX/XXXX XXXX XXXX XXXX and the finance company was Credit Acceptance. The car was in a accident in XX/XX/XXXX the car was totaled and the at fault insurance company totaled the car, i advised the insurance company that i wanted to keep the car which i did,,, they estimated the value of the car and told me that they would send the check for the value of the car with my name on it and the lean holder which was Credit Acceptance. i sent the entire check to credit acceptance and paid the off they kept the entire check and stated it covered the balance of my loan so i wouldn't any of the money because it paid my loan completely off .. they sent my me title and to my XXXX XXXX XXXX ... i couldn't get my title until the total loan was paid off so the check that was sent to them covered my loan .... so now i don't know why they are showing negative remarks on my credit report and showing that the loan was settled less than full balance,,,, they wouldn't release my title until the loan was completely paid off so why they put that inaccurate remark on my credit report i paid that entire loan off with the check the insurance company sent me, they need to removed that remark or remove the entire account from my credit report because the loan was paid in full, ,and not less than full balance,,,,

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 2023-10-27
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: Old information reappears or never goes away

Complaint:
Car loan was charged off XXXX years ago, but it continues to report every 30 days as being late. The loan was charged off in XXXX of XXXX. Creditor reported to Experian that loan was 60 days past due XX/XX/XXXX then states loan was brought current the following month of XX/XX/XXXX, then stated it was charged off the following month after that in XXXX of XXXX. 

For XXXX years they have reported this charge off as 30 days late every month for XXXX consecutive years. I have contacted them on several occasions and disputed it multiple times with Experian.

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 2023-05-03
Company: EQUIFAX, INC.
State: GA
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-Account # XXXX XXXX XXXX-Account # XXXX XXXX Account # : XXXX XXXX # XXXX XXXX Account # : XXXX XXXX XXXX  ACCT # XXXX XXXX Account XXXX XXXX XXXX XXXX # Account # XXXX XXXX XXXX # Account # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX # Account # : XXXX XXXX XXXX # XXXX XXXX XXXX  # Account # : XXXX 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. 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 instructions15 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: TN
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:
Hoping this message finds you well. I am reaching out today to provide a follow-up, as within the next 15 days, I will be updating my credit reports. I am conveying this message to ensure that you have successfully addressed the removal of all the items listed in this complaint, as well as those outlined in my previous communication dated XX/XX/XXXX. Additionally, I have re-attached my FTC Report # XXXX for your reference. Please review the listed items for removal for each bureau : **********EXPERIAN********** XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , TN XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XX/XX/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 2023-12-11
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act Experian Credit Reporting Agency has violated several of my rights. Under the FCRA, credit reporting agencies must report accurate personal information, I've reached out multiple times to Experian to remove this address ( XXXX XXXX XXXX, XXXX, NY XXXX ) from my credit report because that address never belongs to me, my only ever address is the one attached on my bank statement attached and above on this complaint. the wrong address on my Experian Credit Report must be deleted immediately. 

thank you

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 2022-11-13
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: Information belongs to someone else

Complaint:
looking over my credit profile a lot of information is invalid I am disputing all incorrect information on my Equifax to help my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citizens Bank closed my account because I deposited a check and it took longer to clear. They assumed it was fraudulent activity. They started trying to close it. The check cleared. I came in the branch for verification and withdraw money. I left a balance of {$30.00} because they said if I took all they were going to close it. They turned around and did it anyway. They said they mailed a check out never received. They said they were going to investigate and send me a new check to my new address. The last check they claim they mailed was sent to my sister address. Which I still have access. I just want my money and to be done with this bank. Inconvenience. When I call now they give me the run around. You can't keep my money. They had no reason closing my account in the first place. The check cleared. I wouldn't have known it was close until I tried to send my money into the account and it wasn't going through. They froze the account and debit card. Then closed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX : I checked my credit score and it dropped dramatically due to a hard credit pull from Amerisave Mortgage on XXXX. 

I had cancelled a home loan refinance with Amerisave Mortgage in XX/XX/2021 due to too many issues with getting the loan closed. 

On XX/XX/2021 Amerisave Mortgage rep XXXX XXXX called me, I told him I was not interested due to my previous bad experience with his company. 

When I contacted XXXX XXXX, he lied and said I gave him permission, that he absolutely would not have the inquiry removed, forcing me to file a complaint against Amerisave Mortgage with the XXXX XXXX XXXX and disputes with credit reporting agencies.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation