BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-28
Company: Modlin Slinsky, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX XXXX ( XXXX ) is a process server that was hired in my case XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX to legally serve me with a lawsuit. 

On XX/XX/2022, I was contacted by my sister. She informed me that XXXX XXXX XXXX went to my fathers house in XXXX XXXX, FL. According to my dad and my sister, XXXX was attempting to serve a warrant regarding a debt with XXXX XXXX. I have attached a picture of a text message that was sent to me by my sister. I asked my sister if she meant lawsuit instead of warrant. She said no- the person attempting to serve the papers to my father at the incorrect address referred to the papers as a warrant ( inferring an arrest or legal issues with the law ). In addition, it bothers me that XXXX XXXX XXXX gave my father specific information regarding my debt, including the amount owed and that the debt is due to XXXX XXXX. 

This is legally problematic due to several issues. ( XXXX ) XXXX XXXX XXXX members of my debt, who it is owed to, and the amount owed. ( XXXX ) The representative of XXXX that contacted my father, XXXX XXXX, referred to the lawsuit as a 'warrant ' to my father, possibly implying that I was in some sort of legal trouble with police. ( XXXX ) My father, the person to whom the process server spoke to at his home, is my abuser. My abusive father now knows about my debt. ( XXXX ) I have mental issues including XXXX, anxiety, and XXXX ( XXXX XXXX XXXX ) related to my family and my father. This incident, including having the incident reported to me by my abusive family, has caused me significant problems with my mental disorders. I had to temporarily increase my medication, and I had to make an emergency mental health appointment. Even typing about this incident and having to relive it in my head is causing me additional mental anguish and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: NY
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:
To : Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. 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 2023-10-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to formally file a complaint concerning the inquiries that have appeared on my credit report. I have concerns about the nature of these inquiries, including unauthorized or inaccurate inquiries, and I kindly request your assistance in addressing this issue. 

I have noticed inquiries on my credit report that I did not authorize or have any knowledge of. These unauthorized inquiries are affecting my XXXX XXXX and financial standing, and I believe they should be thoroughly investigated. 

inconsistent with my financial activity. I am concerned that these inaccurate entries XXXX impact my creditworthiness unfairly.

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 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$35.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX ; XXXX RUE XXXX XXXX XXXX GA XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX Updated XXXX XX/XX/XXXX ; XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-24
Company: EQUIFAX, 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$35.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX ; XXXX XXXX  XXXX XXXX XXXX GA XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX Updated XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX, Chime bank suspended my account without explanation. I contacted Chime bank initially on XX/XX/XXXX once I realized I could not access my account. They requested from me some verifying documents to prove my identity such as Drivers licence, proof of address, social security number, etc. I sent the information to their email ( XXXX ) and was told my account should be unlocked within XXXX hours. As of today, XX/XX/XXXX, my account is still lock with no resolution or explanation in site. This has caused me financial damages as I deposited my savings into this account which I can not access. I am facing eviction, I can not keep up with my credit card bills which will ruin my credit and most of all, its caused emotional distress. Im on the phone with Chime every single day to try to get answers or most of all, get access to MY MONEY, and i keep getting the same response ( they are looking into it ). I feel as though I am being robbed. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: SMS Financial, LLC
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XX/XX/2021 XXXX - Contacted my employer who transferred the call to my department. At this time she was advised that this is a work number and personal calls are not allowed. Advised not to call back. ( 2 other staff were witness to this conversation. ) XX/XX/2021 XXXX XXXX left on company voicemail from same woman who was advised on XX/XX/2021 that this is a work number and we are not allowed personal calls at work. 

XX/XX/2021 XXXX XXXX left on company voicemail from same woman who was advised on XX/XX/2021 that this is a work number and we are not allowed personal calls at work. 

XX/XX/2021 XXXX same woman transferred to my dept and was AGAIN advised that this is a work number and personal calls are not allowed. Same woman called back AGAIN, spoke with another dept and left a message asking for me to call her back. ( emails from co-worker on XX/XX/2021 XXXX and XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: Comerica
State: IL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
On XX/XX/2022 o contacted Direct Express to issue me a new card due to my old card malfunctioning, I tried 3 days prior to contact Direct Express but couldn't get through to a Live person, finally on XXXX  XX/XX/2022 I did about XXXX XXXX, I waited two days for delivery on my new card it arrived on XXXX  XX/XX/XXXX XXXX when it wouldn't activate I called customer service back and that's when all my problems began, somehow someone got my info my account number, my Social security number, my birthdate, my address along with my IL State id card, I was told on the 6 th of XX/XX/2022 that the new card would arrive in 3 days when I questioned why 3 not 2 I was told due to heavy requests and being around the holidays be patient, when No card arrived I knew I been Scammed, I called customer service immediately and again took me hours to get threw, when o I finally did I was told someone changed my address to XXXX Maryland and had a new debit card sent there and 4 separate ATM withdrawals for a total over {$1600.00} was made from the 9 the of XX/XX/2022 til the 20 the of XXXX I have been issued a total of 7 different ATM Cards of which I can not use due to the FRAUD continuously occuring, Direct Express Customer Service is horrible to deal with and now I'm being treated as if I were the criminal,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 Bank Account # 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 non-monetary relief
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I had two credit inquiries on my credit file. XXXX XXXX XXXX and 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 2023-04-06
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: Account status incorrect

Complaint:
XXXX XXXXXXXX XXXX  acted in violation of SEC. 1464 of the The Dodd Frank Wall Street Reform and Consumer Protection ACT by failing to promptly report the home loan payment I made via their online portal on Saturday XX/XX/XXXX, instead they reported a payment date of XX/XX/XXXX which resulted in their reporting of my account as delinquent to the credit reporting agencies for XX/XX/XXXX. It is a verifiable fact that my home loan payment was initiated on the afternoon of Saturday XX/XX/XXXX. 

I have reached out directly to XXXX XXXX XXXX twice to resolve this issue, first via e-mail to XXXX XXXX and XXXX XXXX on XX/XX/XXXX and later via e-mail to XXXX XXXX on XX/XX/XXXX. Both times, I subsequently received letters dated XX/XX/XXXX and XX/XX/XXXX signed by XXXX XXXX, Office of the President, outlining their refusal to correct the payment date- The stated reason in the former letter being that the Bank 's Account Rules and Regulations explains that they have cut-off times for processing payment orders and in the latter that the calendar on XXXX prefills with the earliest payment date possible ( in this case Tuesday, XX/XX/XXXX ). 

I assert the following : *The only specific cutoff time listed on XXXX is XXXX XXXX ET for mobile deposits. If XXXX XXXX XXXX designates home loan payments as deposits, my aforementioned payment on XXXX was made well in advance of the XXXXXXXX XXXX  ET cutoff time on XX/XX/XXXX * XXXX XXXXXXXX XXXX XXXX Deposit Account Rules and Regulations specify neither days ( e.g. Saturdays ) nor holidays when payments orders are not accepted, nor do they specify cut-off times * XXXX states on the following on their website " ... our online digital banking is always here for you anytime when you login at XXXX. Plus, 24/7 message support is available in our mobile app and online '' - One should reasonably assume truth in advertising, to wit-that one would not expect it take 72 hours for a payment made to XXXX XXXX XXXX  via XXXX to post to one 's home loan account- prefilled calendar dates notwithstanding. If the Bank promotes their digital banking as available anytime, it isn't ethical or legal for XXXX XXXXXXXX XXXX to penalize consumers for accepting that assertion at face value.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: CA
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 the following accounts have violated my rights. 

Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX ( XXXXXXXX XXXX XXXX  ) Account # XXXX ( XXXX XXXX XXXX/ ALL LATE PAYMENTS ONLY ) 15 U.S.C. 1681 Section 602 A Section 1 States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is a follow up to my original complaint in regards to my account ending in XXXX. I wanted to send information over in support of my complaint about the payment issue I faced in XX/XX/. As I mentioned in the first report, I made my payment online as I always do. It was not 30 days late. My payment was ultimately the incorrect amount. However, being that we want to keep this factual, the amount was what was presented to me on the mobile site for that account. And that is the amount that I paid. In fact, over the year, I have had to ignore the mobile site each month as I pay those payments because it still gives the incorrect payment due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Affirm Holdings, Inc
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Affirm issued a loan ID : XXXX, for {$600.00}. I only used {$300.00}, which is already paid. 
The loan is still active and there is another {$300.00} dollars scheduled to be paid in XXXX. 
Spoke to support, and a supervisor, which is very hard to do. 
They explained the loan is active because there is a {$5.00} dollar charge pending for 3 weeks. 
They say they can't do nothing about it. While I will be over charged. 
They suggested me to contact the merchant overseas, and resolve it with them which is not acceptable, as this should have executed, or aged out. The supervisor was somewhat rude, and unwilling to help, or do nothing. The digital assistance is useless, and the website, is useless as well. I got the phone number and contact information outside the website, as they make it impossible to contact a person. The system does not work, to send email/messages, as the loan was not found, and requires full id.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
In accordance with fair credit reporting act accounts ending # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights 15 U.SC 1681 section 602 A, states l have the right to privacy.

15 U.SC 1681 section 604 A section 2. It also states a consumer reporting agency can not 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 2022-07-19
Company: ALLY FINANCIAL INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Follow-up : Complaint no XXXX Today I called Ally Bank and had spent close to 1 hour on phone but without any result. I told them many times over phone and messages that I wanted to revoke a payment authorization but they never handled my query properly. I don't know what happened to the dispute request since they had closed it long time ago.

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 2021-11-09
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My identity was stolen early 2021. Someone used my SSN to file taxes with the IRS and started opening credit accounts. I began the process of making accounts with the three credit bureaus to initiate a security freeze. This process worked flawlessly with XXXX and XXXX. With Experian however, I found someone had already used my SSN to create a paid membership ( using a fraudulent credit card in my name ) with Experian and also registered a false address with them. I proved my identity and gained control of the membership, changed passwords, PIN and security questions, and established a security freeze. Several months later, as I was still dealing with fraud accounts due to my identity being stolen, I checked to see if the security freeze was still in place. It wasn't. I also noticed the fraudulent address was back on my credit report. Phone calls to Experian revealed someone other than myself had somehow logged in, changed the email address on file for me, and removed the security freeze. I again gained control of the account, changed password, PIN and security questions. Experian refuses to assure me that they will take steps to strengthen their security, so I'm stuck as an innocent consumer having to check my Experian account and security freeze daily to make sure they haven't allowed another individual to gain access.

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 2022-11-25
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:
I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus transunion, XXXX  and XXXX to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature. Please see attachment with the list of companies with fraudulent accounts/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 non-monetary relief