BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-16
Company: SYNCHRONY FINANCIAL
State: PA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Hi we purchased XXXX  for our house. The salesman came to the house. He measured and told us what we needed. We agreed and the salesman offered interest free payments. We signed up and they installed the XXXX. The installers were sloppy and drove in our yard. But the boss sent another team to fix things, clean up, etc. 

So we made our payments. We checked on line to see when we were done making payments. We found our that our balance went from XXXX XXXX to XXXX XXXX. When I called they told me the interest free time period had expired. The new rate is XXXX percent. I asked how that could happen. We didnt pay enough in the first XXXX months to pay off the loan We need help in resolving this. I guess we were too naive and trusted the salesman.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Chime Financial Inc
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a Chime bank account a few months ago because I was interested in their high yield savings account. I transferred a lot of money from two other personal bank accounts and at the end of XX/XX/2021, I had about $ XXXX in a Chime savings account. I am now in the process of closing on a home and I need to access my funds for the down payment. Chime does not offer external wire transfers or certified checks so in order to have this money available, I have to transfer it back out of the account to an alternate checking account. Chime has a limit of $ XXXX per day and $ XXXX per month that can be transferred. On XX/XX/XXXX, I transferred $ XXXX out of the account, on XX/XX/XXXX I transferred another $ XXXX out of the account and on XX/XX/XXXX I transferred the last $ XXXX out of the account to bring me to the monthly limit. I was planning to do another large transfer at the beginning of XXXX in order to have everything available for my XX/XX/XXXX closing date. I received an email from Chime on XX/XX/XXXX that they froze my account. I made numerous attempts to call them ( they claim their support team only operates via email ). So I sent an email. Every day this week they write back asking for another piece of documentation. All of which I have provided in a timely manner. It has been over 24 hours since they last responded and I have made it very clear how important it is to look at everything I have submitted to show all the transfers were legal and legitimate and they have not replied. I am starting to panic that my funds are going to be stolen. I also can't even access the account to provide statements for my mortgage lender to show proof I have the money. I am in desperate need of assistance as the bank has zero sense of urgency and is not helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Experian Information Solutions Inc.
State: SC
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 was going through my credit report and notice some wrong information on all 3 credit reporting agencies ( EXPERIAN, XXXX XXXX, and XXXX ) that I am requesting that they are investigated and 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 non-monetary relief
Consumer complaint received 2021-07-08
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had been using chime for years. I had moved back to Michigan after my nephew was XXXX  he ended up passing away. At the time my husband was truck driving and i was doing XXXX XXXX and XXXX XXXX. The pandemic hit I lost my job a few months later I received unemployment.. The problem started when my account got frozen. I just received my taxes and next thing you know it's locked..They told me I needed to send proof for my taxes. I sent 1099s, my XXXX award letter, an old bill with my address on it. My actual taxes, selfie with ID, etc ... I sent everything they needed they still closed my account with no explanation just a bunch of automated emails. I just want my taxes returned. I had over XXXX in my account and they sent me a check with XXXX on it ... I seen they have done it to many people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
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: 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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$350.00}

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 explanation
Consumer complaint received 2023-02-23
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( WELLS FARGO ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.

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 2022-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have recently reviewed my credit report and found a duplicate account that does not belong to me. I have reached out to the company via letter already to have the issue investigated and delete and I have to received a response. This information is damaging my financial profile. There is another account on my credit report that does belong to me but the account has been paid off. Please help me remove this duplicate account asap so that i can fulfill my financial obligations in a timely fashion. None of the dates are adding up at. I was advised by a financial lawyer that i have a right to an accurate credit report. I have attached a copy of my letter as well as the duplicate account in question. 


Date Opened : XX/XX/2016 Account number : XXXX Account Status : Derogatory 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 non-monetary relief
Consumer complaint received 2023-05-18
Company: LEXISNEXIS
State: MN
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:
My complaint is based more so on Lexis Nexis. Upon learning of them, I began to look further into my information, requested my report as it was given to others, and also wanted a stop to them further providing any information about me without my consent. Furthermore, someone collecting information on my ho.e, my accounts, were I work, who I talk to, what I drive, etc. Has a different type of word in my state., 2 actually stalking and harassment with the I tent to do harm. My attempts to receive the report lead me moresoe down a rabbit hole then anything. It was developing g the report and things like did you know XXXX has been plaved on a watch list by individuals... .obviously that isn't information any person could just find on an internet search, it lead people to believe their were XXXX XXXX potentially about to be shown to them, etc. My family are all criminals. None of this is at all anywhere near a a complete truth. 
In order for me to have the report stopped from being released, they required I provide them with my social security number and driver 's license number, home address. I don't believe this group has the authority or my consent at any point for a file with my banking information, my annual income, etc. To be given to them let alone distributed for payment... it's my information, if any money is made off of it,, it's my money, not theirs. It's my information ... and it's for sale.?. For Profit?? How is this even legal and why are they allowed to do this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from 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 2023-04-01
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  ACCOUNTS XXXX Balance Owed : {$620.00} ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: AZ
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: Investigation took more than 30 days

Complaint:
on XX/XX/XXXX a dispute in the matter of my credit was sent to Experian being verified. I have attached the documents that was sent to them asking the company how these items were verified and asking for my signature as proof because i have no recognition of these items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
From my commercial XXXX XXXX XXXXXXXX account, I used Zelle services to send my rent check of {$2600.00} to the property management company. They never received it. I called Zelle from XXXX XXXX XXXXXXXX office and requested information. They responded weeks later saying this claim was too old and they would not open a case. I sent a certified letter to the address listed on their letter head and said, 'I did not ask to file a claim and wanted information '. No response from Zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My savings, checkings and credit account all were randomly closed by Chime today, received no explanation on the phone. Over XXXX in the savings and over XXXX in the checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Santander Consumer USA Holdings Inc.
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am now on my second lease with Chrysler Capital for a XXXX XXXXXXXX XXXX. During this lease which started in 2018 on 4 seperate occasions they have credited a payment to the wrong account. They quickly take my payment and then when its not made to my correct account they immediatly report me for 30+ day late notice to the credit reporting agencies. This has happened 4 times, I then have to go through the troubles of faxing banking statement showing that my payment was made and its corrected on the back-end. However this time they did it im in the middle of my refinancing on my mortgage, my credit score went down 65 points and I was no longer eligible for the terms that I recently negotiatied. Additionally Im suppose to replace my car with another grand cherokee that would be finance by Chrysler Capital and not sure if ill be eligible for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Transunion closed a dispute in XX/XX/XXXX on my credit report stating the investigation was properly investigated and results came back verified as accurate and REMAINS. This is inaccurate because date of last payment is XX/XX/XXXX which is inaccurate, and date closed XX/XX/XXXX is inaccurate. From XX/XX/XXXX through XX/XX/XXXX no data is available as shown on Transunion. Starting in XX/XX/XXXX my student loan account shows a late payment of 90 days which is inaccurate. From XX/XX/XXXX through XX/XX/XXXX each month shows 120 days late which is inaccurate. Transunion shows that my reported last payment date is XX/XX/XXXX. How then is it possible 11 months later on XXXX of XXXX I am showing 90 days late? 
Transunion reports that my removal date of this debt is XX/XX/XXXX this is inaccurate. Wouldn't my removal date be XX/XX/XXXX at the very minimum? These inaccuracies are grounds for removal as they are clear violations of my rights. 

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

15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-12-27
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I GOT AN ALERT FROM XXXX XXXX XXXX OF A NEW CREDIT CARD OPEN ON XX/XX/2023 IN MY NAME, FROM ( COMENITY CAPITAL BANK, XXXX, OH XXXX XXXX XXXX XXXX. I tried contacting this bank on two occasions and was put on hole twice for over an hour. I have file a fraud case with XXXX. I have not applied for any credit with this bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/2022 I pulled my XXXX credit report and noticed a collection from a collection company by the name of RentDebt Automated Collections. I sent them a letter dated XX/XX/2022 informing them that they had violated federal law under the FDCPA Regulation F by reporting an unknown debt to my credit file. 

I asked them to remove this reporting and to provide me with Validation that this debt belonged to me. In response I received a letter acknowleding my letter of dispute. I specifically noticed them that I was not seeking verification nor was I consenting or acknowledging the collection that they have placed on my credit report. In return, they indicated that they would contact the consumer agencies to show that this collection is being disputed. 

They have totally ignored the law and think that they can by-pass it by falsely stating indirectly that I am consenting of acknowledging this reported collections. 

Furthermore, the information that they provide to me does not belong to me. I do not know who they are nor do I acknowledge the collection that they have placed on my credit file as of XX/XX/2022 well after Regulation F went into effective.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2020-12-09
Company: ALLY FINANCIAL 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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, Ally Financial add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2023-04-16
Company: Eastern Account Systems of Connecticut, Inc.
State: AL
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:
My problem is with XXXX XXXXXXXX. I do not owe them any money. But after I closed my account, they " claimed '' I still had some of their cable boxes. During the pandemic, they closed all of their offices so you can't deal with anyone in person. You have to return everything in a drop box or mail it to them. After I returned everything, I starting getting these bills saying I owed them for their returned equipment. I call numerous time and told them I had nothing that belong to them. This went back and forth for a couple of months and I assumed everything had been worked out. Then one day out of the blue I was notified by credit monitoring service that I had an account that was now in collection. I checked my credit report and discovered that some company called Eastern Account System had placed this collection on my report. I had NEVER spoken to anyone at this company. My excellent credit score dropped by XXXX points. After disputing the charge, one of the three credit bureaus ( XXXX ) removed it. The other two did not. 

Then I discovered something else last week. I discovered that one of the local Homeowner Associations has now issued a warning to its members. Everyone in theier association that had dropped XXXX was being hit with this same bogus claim of not turning in their cable boxes and being threatened with collection. This is quite an extortion scheme this company has going. Either pay up or we will turn you over to collections. I did some checking with others and discovered the same thing. This needs to stop and I want my excellent credit restored. This company should also be hit with a class action lawsuit for their business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation