BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-28
Company: Chime Financial Inc
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with chime on XX/XX/2022 about a week after I deposited some funds into the account, the day after when I attempted to log in to the app chime stated my account was suspended due to security reasons. I called everyday for 2 weeks straight they asked me to provide 2 forms of ID as well as 2 proofs of adress I obliged after I did so I stopped receiving emails from chime even automated responses I sparsely called after that maybe once or twice a week in the following months since I'd given up hope. each and every time I called I was told that my case was being " escalated '' I was also told I'd receive an email after each call. save for the initial emails from the 2 weeks i had called I received nothing. I asked for a check or for my funds to be transferred to a separate account they agreed after 2 weeks now I still have received absolutely nothing from chime. Today I sent a complaint with the XXXX I also called XXXX and was transferred to a XXXX XXXX representative that essentially gave me the same XXXX XXXX  that I've been receiving from chime all I want is my money back and I have done my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: IL
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 actt the list of accounts below has my federally protected consumer rights to privacy and confidentiality under 15 Usc1681 XXXX XXXX account # XXXX in the amount of {$440.00} XXXX account XXXX XXXX amount {$510.00} XXXX XXXX  account # XXXX amount {$910.00} XXXX XXXX  account # XXXX amount {$20.00} XXXX XXXX XXXXXXXX account XXXX XXXX amount XXXX 15 U.s.c1681section 602A States I have the right to privacy.

15 U.S.C 1681 section604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 US.C1681c. ( a ) ( 5 ) Section states : Section states no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedatesnthe report by more than 7 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. I havent given any written instructions or consent

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 2020-06-02
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In Spring '19, I last attended Florida XXXX XXXX and I called Navient to inform them that I needed my account on forbearance until I went back to school. I was told on a recorded line that it had been escalated to be resolved. However, in XXXX of this year I saw a very hard drop in my credit scores due to the account never being put in forbearance. I then called and explained I never received any calls, statements or any notice of me being late on any payments, where I got tacked on with 17 late/missed payments. I am beyond upset where now this is causing me financial hardship and I'm unable to attend school at getting a further education where I'm being denied access to funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage with Navy Federal Credit Union. I was informed by the loan officer if I could not get the full amount I wanted Navy Federal Credit Union would counter with a lower amount. This did not happen, I have XXXX credit score of XXXX and the key factors that supposedly adversely affected my credit score was : 1. Level of delinquency on accounts. 2. Time since most recent acc ount opening is too short. and 3. Too many consumer finance company accounts, too many inquiries in the last 12 months. 

The last time I opened an account was in 2017. I am not delinquent on any of my accounts and I only have had one inquire in 12 months. You can tell all this just by my credit score. The highest you can get is XXXX. 

I also have a savings account with over {$10000.00}. I also had a Pre-Approval letter last year for {$160000.00}. and nothing has changed except for the fact that I own two properties and I was selling the one with the mortgage left on it and still am. So, I do not understand why I was completely denied. I am a single female.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account was opened without my consent or knowledge. My identity was compromised, and this account was placed into collections on the date below. 


Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$1800.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone number ( 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 2022-02-10
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have sent correspondence letters to XXXX, XXXX, and Equifax. I have told them to remove false information and account information from my credit report. The send a automatic generic response and ignore any violation to myself and the law. I called them today and the representative I spoke with was of no help and refused to handle my request as I stated. I will be taking this to the highest level possible and charging for every violation if this complaint does not render the solution I desire. First I would like to point out that I at no time under 15 USC 1681 ( a ) ( XXXX ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer have I given permission to any company to report or speak for me on behalf of my credit. Without me giving permission it means the credit reporting agencies have taken it upon themselves to act as me and speak for me and falsely report in my name. They are commiting fraud in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Experian Information Solutions 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:
I believe these accounts are in error and incorrect. Please investigate the accounts enclosed in my report attached. These items are not correct and are causing me financial and emotional distress.

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items 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 is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX ( Original Creditor ) XXXX XXXXXXXX XXXX XXXX XXXX Balance {$240.00} XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : 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 non-monetary relief
Consumer complaint received 2022-12-03
Company: MOHELA
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:
In accordance with the fair credot reporting act XXXX Account # XXXX has voilated my right. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumjer reporting agency can not furnish a account without my writtien instructions.

15 USC 1666B : A creditor may not treat a payment an a credit account under an open end consumer credit plan as late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: WELLS FARGO & COMPANY
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:
In accordance with the fair credot reporting act XXXX Account # XXXX has voilated my right. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumjer reporting agency can not furnish a account without my writtien instructions.

15 USC 1666B : A creditor may not treat a payment an a credit account under an open end consumer credit plan as late for 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 explanation
Consumer complaint received 2015-10-23
Company: WELLS FARGO & COMPANY
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
In the latter part of the first decade of 2000, I decided to put myself through college. It was a hard decision, as I was working full time and raising XXXX children. I eventually opted to go with XXXX University, and only had time to get a degree online. As I was barely making ends meet as it was, I took out loans to pay my way - in hindsight, this was the biggest mistake I have made in my XXXX years. While I currently have a decent job, unless I am making double what I am currently bringing in, I have no hope in paying these loans off. I am straddled with XXXX private loans ( XXXX through Wells Fargo and XXXX through XXXX XXXX ) and XXXX consolidated federal loan ( upwards of {$96000.00} ). My issue is not with the federal loans - these I will never pay off but the payments are based on my income so I am able to manage ; the problem is with the private loans. The payments for these loans are more than four times higher than the federal, and payback amount is nearly three times smaller. It does not help that I originally co-signed with my ex-wife on these loans, and Wells Fargo is unwilling to remove her as they would have to be refinanced in my name only - which I have tried in the past to do, only to not get approved. These loans make me wish I would have never gone back to college - they will burden me my entire life. It makes sustaining a living extremely hard, getting approved for credit a nightmare, and returning to school for a XXXX Degree something that I would never attempt out of fear of digging myself even deeper. Things obviously need to change! The cost of education is astronomical, and it effectively ruins the financial lives of so many young Americans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hyundai Motor Finance has stopped reporting all account updates to the 3 major credit bureaus since XXXX 2022. One of the 3 credit bureaus even has the account marked as closed, even though it is still active and I am paying every month. This goes against their documented practices, which state that they report the balance and standing of the account every month. Contacting them is met with silence, as they claim to be unable to address anything over the phone ( why have customer service phone numbers then? ). HMF was already fined $ XXXX by the CFPB for incorrect reporting to the credit bureaus. This apparently is continuing. Please help me resolve this.

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 2023-07-03
Company: Bridge It, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I signed up with this company for short term loan. There was a monthly fee of XXXX, I cancelled the monthly XXXX fee in XX/XX/2023. On the dashboard of my account it show where I have the free account, however on XX/XX/2023 they drafted XXXX from my account. When you log in to " helllobrigit.com '' to follow the prompts for deleting your account the process is impossible. I want to close this account and have nothing to do with their company. I emailed them with no resolve in addition to refunding me my XXXX. 
Please assist me with this process so Brigit can stay out of my bank account drafting money they do not have permission to draft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX please 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: EQUIFAX, 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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: ECMC GROUP, INC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
ECMC is my loans servicer. Since the pandemic began, the law States that the federal student loans shouldn't not be charged interest. Yet, ECMC keeps on charging me interest and reports them on my credit report. I spoke with last XXXX, they told me they were going to fix it. They never did. Last month they started garnishing my paycheck when in fact the pose is due until the beginning of next year.

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 2022-12-03
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter dated XX/XX/2022 from a company I never did business with or ever gave permission to call/write or contact me with any form of communication. In the letter they erroneously stated that I owed an alleged debt, I was shocked, appalled and offended by their false allegations. I don't know how they obtained my private information but i did not give it to them so as far as i am concerned that is identity theft which I will be filing a complaint with the FTC about. As for now If they can not provide me with documentary proof that I gave them written permission to obtain my non-public information then they are to Cease and Desist all their Illegal activities, this goes for all their affiliates and any XXXX XXXX that they do business with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account 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 the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2021-11-12
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: Account status incorrect

Complaint:
The below companys have reported my account as past due for 60 days when payments had been done timely, credit one has reversed one and acknowledge it was their mistake but have failed to remove second one while XXXX XXXX has not done anything to address this matter. 


XXXX 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 2018-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Transunion has had several glitched in XXXX and XXXX in which caused inquiries to be deleted. Transunion later added the inquiries back without giving the legal required written notice of 5 days prior to them re-adding them. I have contacted Transunion in good faith to ask delete the inquiries that they illegally readded. I spoke to US representatives on XX/XX/XXXX and XX/XX/XXXX. Transunion has violated my rights and is causing a hardship with the re-additions. I ask that if you ( CFPB ) can help Transunion stop victimizing me.

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