BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-18
Company: Chime Financial Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My bank account was hacked and both my savings and checking that I stored with Chime are now gone. I had {$1600.00} stolen from my account on XX/XX/2021 using the pay friends feature. My account has been completely wiped out. I can see the persons name and know that I have never once met or authorized someone with this name to be in my contacts or on the Chime app. I have filed a report with Chime, filed a police report, and am also doing this now. This was my savings to invest into my business and now its gone. I have not gotten a response from Chime yet about this. I have filled out their form and sent it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: GreenSky, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I notice a fraudulent account on my credit report around XXXX of XXXX in the name of GreenSky financial. I immediately filed the necessary paperwork for the fraudulent account, sent everything to the credit bureaus the account was removed. On XX/XX/XXXX I received an email from XXXX  alerting me about my credit report, I logged in to see Greensky added the account back to my credit report as accurate and it was a valid debt. I immediately called them, was transferred to a specialist and was told to send over the necessary documents which were the affidavit and police report. I did that the same day. I never heard from any one. The account was still reporting on all 3 credit bureaus. I sent over validation of debt again on XX/XX/XXXX and has yet to receive any paperwork. I sent another validation of debt on XX/XX/XXXX and it was received on XX/XX/XXXX and validated as accurate on XX/XX/XXXX. I still have yet to receive any paperwork from this company. I talk to a customer service representative by the name of XXXX XXXX  after giving her the information if the account number provided by my credit report, I was able to ask her if she was able to send me the original loan documents, she stated she was not in the collection department or validation of debt department so shes not so sure if they could provide that. She also stated that they may not have those documents because it was electronically and they just dont have those on file, she also stated they can not provide certain documentation due to HIPPA law. Im waiting on a XXXX to reach back out to me about this. This has been a nightmare and GreenSky has violated the FCRA by not handling the dispute properly and also failure to send me any documentation pertaining to this account. I sent the validation of debt letter to XXXX XXXX  via email today on XX/XX/XXXX. Im hoping to have this account off my credit report soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2021-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I currently have a credit card with CpaitalOne - Via - Walmart. I have had this card for over 10 years. I have been able to use the card up to the past year. I have contacted CapitalOne, which had asked for my XXXX XXXX Licenses, due ( I am assuming ), the fact that I have gotten married during this time. I tried to send via phone, which didnt work, I have sent it by mail, not ONCE< TWICE, but THREE times. Each time, I have had to call them back ( after waiting 6 weeks ) to get the release of my card, as they have suspeneded my account. I have spent hours on the phone trying to get this resolved, I have tried hours also talking w/a representative on being able to sign onto the account via web to pay the bill, and I am getting nowhere. All I keep getting is that when I do send in the information, they are not able to read the back of the licenses. 
I am sorry, I do not know what they are looking for, but short of going up to XXXX, VA. there is nothing else that I can do. 
Again, I was informed today, they had received the info, but unable to read ... 
This is unfair to me on something that is not new, again, I have had this card for years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
XX/XX/XXXX : Opened a Southwest Rapid Rewards Priority Card ( Visa Credit Card, info at : https : //creditcards.chase.com/southwest/priority-credit-card ) through Chase. I was explicitly told both verbally and in written words, that the card would be received in the mail within 2 weeks. I applied for this card because I wished to take advantage of the XXXX bonus miles deal, in which the Terms & Agreement stated that {$2000.00} must be spent within 3 months. 

Unsure of Date, but before XX/XX/XXXX : I did not receive the credit card in the mail and requested it to be sent again. 

XX/XX/XXXX : Still did not receive credit card and called the customer service asking when it will be received. Asked for an extension to the 3 month spending term, seeing as it has been over one month and the bank failed to honor their agreement of sending the card in priority mail within 2 weeks. 

XX/XX/XXXX : Still did not receive credit card. Called customer service again, they said my card will be received at an unspecified date. Still refused to extent the 3 month spending term even though at this point, 38 days ( or over 5 weeks ) have passed. 

This is a deceptive practice. They state that they can not extend my promotion period of 3 months due to the Terms & Agreements. However, they refuse to acknowledge that the Terms & Agreements also states that my card will come in most likely in 3-5 business days, and 2 weeks at the latest. Yet it has been over 5 weeks and I have no received the card. Now I am still expected to make the {$2000.00} with significantly less than 3 months, as initially outlined within the Terms & Agreements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: Consumer Portfolio Services, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit and saw various inquiries that do not belong to me for the same date - XX/XX/XXXX. Additionally, they have been reporting for almost one year. If this was for an auto loan, then these should have been grouped together as one and should not be listed individually. But i am requesting REMOVAL because it has been one year. 

XXXX XXXXXXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies  XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies  XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-03-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2021-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had four accounts with them as of XXXX, XXXX ; two checking and two credit cards.

In regards to my credit cards, I never missed a payment. My payments were all on time, always. I had one card for over four years, and the other was just short of a year. 

In XX/XX/XXXX, I sign onto their app to pay my bills and see that they have disabled BOTH credit card accounts.

I made large payments on both accounts, while I waited to speak with representatives.

I talked to 3 different representatives. I was on the phone almost two hours trying to get an answer as to why the disabled my accounts. 

Finally, I was informed that it was due to a payment return. 

I was never notified or given an opportunity to make this right. 

The payments I made that were returned was a simple accident, as I confused accounts I paid my bills from. Once I realized my mistake- I corrected it ASAP ( within days ). 

I was told I violated their terms. I was a very loyal customer for years and they shut off both of my lines of credit ( without my knowledge ) over a minor mistake. It is unfair for my credit to reflect this step that they took, as I had managed my accounts perfectly prior. I never missed a payment. 

I am not happy about the way that they treated me, and how much damage they did to my credit. 

During this time, I had been working so hard to improve my credit with hopes of finally buying a home in XXXX. 

All they told me is, so sorry miss but theres nothing I can do - BYE *click* I sent so many friends and family members their way - as I loved their 360 banking model. In XXXX, I took 5 of those people from their services, once they heard about how I was treated. 

They lack in customer service. They lack in communication. They lack in empathy. 

5 thumbs DOWN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
So for about a year no equifax has failed to report my account accurately. I have about 4 credit cards that are not reflecting on my report and an auto loan that they fail to report. But I didnt think It was a big deal until I needed to move out of my home. I got approved for a apartment but they couldnt pull my reports. First it was frozen so I called equifax, they said they fixed it then 3 days laters the freeze wasn't removed and they need me to send paper work proving my identity. I did that. still nothing and they said everything is okay but when the leasing company tried they still couldnt pull my reports. 

I ended up loosing the apartment and have to sleep at relatives home for about two weeks. Equifax has failed me, I think its a technical issue but no one can pull my reports from equifax. I applied for an auto loans and same thing " cant pull equifax report ''. This has affected me so much. Besides them not reporting all my accounts, not letting lenders pull my reports even though they say I have no freeze or alert, equifax is also reporting false accounts. I have never had a credit card with XXXX. I need this fraudulent account removed immediately. I am prepared to lawyer up at this point because equifax is failing as credit report agency and refusing to help resolve the issues at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
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: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly a collection in the amount of {$200.00} on the XXXX. XXXX, XXXX, ( original creditor : XXXX XXXX XXXX ) account number XXXX. ( Please see page 5 attached from my credit report. ) This account has been paid in full and should not be reporting on my credit report. XXXX.XXXX. XXXX, XXXX, and I had an agreement that when I paid this account off, they would request a deletion of this item with the reporting bureaus. This incorrect reporting of a collection is harming my credit score and this line item needs to be deleted. I have contacted the ( 2 ) bureaus to remove this line item however, I have not been successful.

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 2021-01-18
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
COMPLAINT AGAINST XXXX XXXX AND SPECIALIZED LOAN SERVICES ( SLS ) Amortization period for the loan was extended from 360 months ( Loan maturity on XX/XX/XXXX) to 480 months ( that is Loan Maturity onXX/XX/XXXX ) .But SLS state the loan maturity as XX/XX/XXXX ; instead of XX/XX/XXXX to create a fraudulent fictitious balloon amount of {$380000.00} added to the current loan of {$610000.00} because they used 360 months maturity to amortize the loan contrary to the 480 months, which they claim falsely is the new amortization period ( see page 54 of attachment ) I do not see how this is a Mortgage Relief Option. To address an unpaid arrears of {$100000.00} ; SLS introduced a fraudulent fictitious balloon amount of {$380000.00}. 
1.XXXX  XXXX and SLS should be directed to remove the balloon amount of {$380000.00} to be a truly a mortgage relief to enable me commence the trial period commencing XX/XX/21. It is fraudulent for XXXX XXXX and SLS to state the maturity date asXX/XX/XXXX. This date is a strange introduction and has no basis. XXXX XXXX and SLS should harmonize the maturity date of XXXX and amortization period of 480 months. 

2. I did not apply to increase my financial burden and lose my home. Am I being maltreated because I am minority and XXXX? I never contracted any loan from SLS. They were imposed on me by XXXX XXXX as Servicer. XXXX XXXX manipulated my loan accounts and expect me to accept their fraudulent practices without seeking for fair and equitable resolution. 

3. If I can not get fair and just intervention from CFPB, I will engage my representatives both in the House and Senate to help me out ; and the courts. I am aware a good number of XXXX and minority home owners have dispossessed of their homes fraudulently ; and sold for pennies to white cronies. 

4. Minority interests and XXXX people should also be considered and not serially and continuously abused. 

cc. Senator XXXX ; Mrs. XXXX XXXX ( Chair, Financial Services ; Senate Majority Leader ; XXXX XXXX ( NY )

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 2022-07-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX /File # 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 response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/2019, I applied for the XXXX XXXX card from Chase Bank. A letter dated XX/XX/XXXX, arrived at my address saying I needed to send proof of current physical address. The following week, I went to a chase branch with a copy of my utility bill which was listed as an acceptable document. I told an employee my situation and he said he would take care of it and would fax the proof to the number listed. Today, XX/XX/2019, I called the card status line and was told my application was under review and I would receive a decision in writing in 7-10 business days. I had received the same response more than 2 weeks ago so I called a customer service number. I was then told that my application had been declined. Since I had not received this in writing, I asked for the reason. The representative said that they did not receive proof of physical address. In all, I was declined the card without receiving a written notification like the status line had said. I also had my personal information mishandled and sent to who knows where since it was not received by Chase. My credit will now reflect a hard inquiry which will make me look bad when I try to apply for another card. Also, the promotion I was trying to receive has since expired and I will miss out due to mishandling on Chases part.

Company response to consumer: Closed with explanation