BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
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 about Your Credit Card Application Indicates a score an Experian Credit Score of XXXX. 
Experian is not reporting this score!! 
Multiple unauthorized inquiries by auto dealerships in order to attempt to acquire vehicle funding to sell vehicles. 
I DID NOT AUTHORIZE THESE INQUIRIES!!

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 2024-01-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XXXX XX/XX/2024, I called the Citi Custom Card Customer Service, toll free at XXXX with my identifying data, phone numbers, credit card number, and name as it appears on my card. They said that they would text me a PIN code but I never received it. They said that they would call me back on the number I was calling from, but never called back. I am unable to update contact information or report the card as lost or stolen. They report that I need a reference number emailed or postal mailed to me to verify my identity and un-restrict the credit card. They claim that this is about fraud abuse. I have never received notification mail to this effect.

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 2023-05-17
Company: Chime Financial Inc
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I received a text with a unexpected charge I reached out to the merchant they said it was an error and I would receive a refund. Once that never happened I reached out to Chime I also filed a complaint with the Police Department.Chime continues refusing to return my funds after they received my information. The refuse my claim without explanation or any information. I continue to call the the reopen the claim as a rebuttal but still not given me my money back or a provisional credit until the investigation is complete. This company has broken all the regulations and guidelines and I would like to take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, 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:
XXXX XXXX XXXX ( " XXXX '' ) Account number XXXX Reported inaccurate Dates on credit report, causing harm to my credit. I then sent a complaint to XXXX  and will attach the response from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: IL
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 vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
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: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be fraudulent. The disputed inquiries do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the inquiries are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX  XXXX Balance : -, XXXX XXXX  XXXX XXXX XXXX. XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX  XXXX Balance : -, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX - XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX - XXXX XXXX Inquired on XX/XX/XXXX 2022

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 2023-09-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase closed all my personal credit card accounts leaving me stranded outside the USA. They did not communicate anything with me. They claim " bank decision '' and letter will be sent by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX, XXXX XXXX. 
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 accounts 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 these 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 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 2023-10-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Equifax date privacy security breach affected XXXX XXXX Americans. The effect of Equifax security privacy breach has caused me irreparable harm and an imminent XXXX of danger, now and for XXXX imminent XXXX of my identity. This breach caused sensitive personal information such as ALL NINE of my social security number with many names, birthday, and all address. This is a violation of statutory and common, law violations, under federal and state law violations of the FCRA, and Georgia Fair Business Practices Act. Alledgelly this could only come from a person or persons inside, Equifax data privacy SECURITY TEAM who are masquerading as workers.but who are real hackers, Alledgelly. Or his information was sold by higher ups in the company who had security clearance to a second and third party as an inside job. MY information was sold on the black Webb to hackers. Equifax also issued wrong Credit Scores to me and millions of customers, including me, and caused me higher interest rates, denied auto and loans, due to a coding issue. Errors on my credit report lowered my score, this was done deliberately, wontly, without warning. I have been subject to XXXX discrimination because of my said skin color, by rejection of auto loans of MY OWN CREDIT this is a violation of Title 15 subsection 1611 - False and misleading, Denial of my own credit, the Underwrites also plays a part in those denial. The XXXX Disparities has caused irreparable harm, by using inaccurate, information, mixing files, furnishing accounts without my written instruction. This is also a violation of the department policy, this is FCRA and CFPB violations which is frequently willful intent, by XXXX or more officials. More importantly being subject to XXXX Discrimination and XXXX Disparities by Equifax and security breach of all my information, as those of the XXXX XXXX Americans, that my social security number information was sold to foreign company 's overseas on the black-market endless Webb as well.,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: NATIONSTAR MORTGAGE LLC
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I have had multiple issue 's with Nationstar Mortgage. My new and most current issue is my credit report. I sold my house almost 4 months ago. XXXX XXXX 2015. I recently applied for credit for my next home, only to find my credit report shows the whole outstanding balance from my previous home. They never updated/turned that information in. This has brought on additional headaches.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-11
Company: M&T BANK CORPORATION
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
Re : Misappropriate mortgage payments Mortgage Loan Number : XXXX I am writing to request investigation and correction of the errors described below regarding the mortgage on my property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have previously and historically been allowed to submit bi-weekly automatic payments for the mortgage on the above property since XXXX. The mortgage document I signed did not have any constraints on how payments should be made. During the loan tenure with the prior lenders, XXXX XXXX  and then XXXX XXXX the {$600.00} bi-weekly payments were received and applied as intended without error and without late fees. The issue prompting this letter started from the moment M & T Bank gained custody of my loan in XX/XX/XXXX. Even though the schedule of the payments has stayed the same, there have been monthly harassing calls from M & T Bank incorrectly stating that payments were missed, and the loan needed to be brought up to date. In these calls, I have expressed that I send {$1200.00} a month for a mortgage that is {$920.00} a month. And, I have asked them these questions : How are payments being missed? Why am I being charged late fees? Subsequently, am I being charged additional interests on the loan principle? 

To date, these questions have not been answered. I feel that errors are being made at my expense and that my funds are being misappropriated. I would like for my payments to be investigated and for any errors found to be corrected. If funds are going to be returned, I want them applied to the principle. 

Please note that this letter is also being sent to the following entities : M & T Bank, XXXX XXXX, Consumer Financial Protection Bureau, State of Connecticut Department of Banking, and Connecticut Senator XXXX XXXX. 

Sincerely, XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: MARINER FINANCE, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX XXXX XXXX STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: MARINER FINANCE, LLC
State: OH
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 sent a XXXX letter it is similar to a debt verification asking to validate the legitimacy of a balance due, which is your right under the Fair Debt Collection Practices Act. 
must remove the accounts listed below. This account wasn't properly investigated Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account this is an invalid account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$6300.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXXXXXX XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$330.00} ARS ( Original Creditor : XXXX XXXX XXXXXXXX SVCS XXXX ) XXXX Balance : {$620.00} XXXX XXXX Balance : {$110.00} CPS/MAIL XX/XX/2022 XXXX XX/XX/202XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

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 2024-01-08
Company: MoneyLion Inc.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I submitted a non fraud dispute with this company XX/XX/XXXX regarding an item ordered on XXXX that wasnt received when expected due to the tracking also disappearing through the app. 
I provided additional documentation on the email provided and was told there would be correspondence. Once the product came on XX/XX/XXXX and put it in the mail to sender I requested a refund through the XXXX app ( still no correspondence or update on my banks side ) but the request was then approved for refund through XXXX app but on my side I still see no correspondence or update on my dispute from my bank so I decide to call into XXXX around XX/XX/XXXX. I was told by XXXX that the refund was in processing and would take XXXX weeks. Upon waiting so long I called XXXX today on the XXXX and was told that due to my dispute with my bank, my bank would have to provide the refund not them. So I called into the bank and they told me it would take 45-90 calendar days for an update on my dispute and thats all the information I was given. The agent was very nasty and kept pushing back at the fact that I was requesting more information as its been almost a month and Im only getting updates from XXXX. I asked for escalation and after being put on a XXXX minute hold I was transferred to a supervisor XXXX and I asked her for an update on my dispute, does it qualify for provisional credit as it has been almost a month and I havent had any correspondence from them and I also told her what XXXX said about them having to issue the refund on their side since the dispute was still in action. She stated because it doesnt break reg e my dispute doesnt qualify for provisional credit at this time. I quoted back to her what reg e was in this situation and she then stated that she just received an update on my claim on the XXXX but couldnt tell me what that information was and then proceeded to tell me she could withdraw my claim so I may get a refund and shed email me a document showing the cancelation and etc. I have not received anything from them in correspondence still almost a month in and feel they have broken reg e by not XXXX due diligence in the dispute process. Now Im not sure if I will receive my money for a product I dont have and mailed back after receiving over a week after the listed arrival date and Im frustrated because my bank is not doing anything to support me or advise me in the situation ; I am being misguided and lied too.i wish no one to have to deal with this kind of situation because you bank with your bank for support and security, if your bank cant provide either what are you supposed to do on this situation?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Experian Information Solutions 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 XXXX account XXXX XXXX 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 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 explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I asked the credit bureaus to do a verification of some accounts on my credit report, they did and stated that everything was accurate. 
I did a research myself found improper and inaccuracies on my credit report after they did their research. 
I have attached the accounts information.. 

In accordance with the Fair Credit Reporting Act, XXXX Accounts listed on the attachment, 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 Section 2 : it 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