BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-20
Company: Chime Financial Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022 in preparation of changing my phone number In my Chime App I sent myself {$190.00} using my alternate phone number ( XXXX ). I understand my money transfer is non refundable in the case of money being transferred to the wrong recipient. I snapped a screenshot of my receipt which confirmed I transferred money to my phone number ( XXXX ). 

The next day I had not received my money. When I checked the my transfer history which displayed My transfer went to XXXX XXXX The person who owned my number before me. 

The next step I took was I requested {$190.00} from XXXX XXXX XXXX please send it back. My request was received on My phone ( XXXX ). 

I started a dispute and received the instructions for providing documents to proceed changing my phone number in my account. Shortly after I received a confirmation that my number was changed to my current number ( XXXX ). 

The following days I expected to receive a credit to my account because It is clear that all of the transactions were done using the ( XXXX ) phone however I didnt see anything my claim was denied. 
I then had my claim reopened I sent pictures that time but the very next day my claim was denied Chime wont put me in contact with investigators or anyone else with authority. I am XXXX. Im on a fixed income and my storage app likes. My bills are late based on this whole ordeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I've requested proof funds were received by myself from a check fraudulently cashed in my name from Capital One, they provided info for the third party whom intercepted the check and cashed it, did not provide proof check was cashed by myself and funds received. This is a replacement check sent on or around XX/XX/XXXX, delivered to my address on XX/XX/XXXX while I was away on vacation. Another party intercepted the check, signed my name on it, deposited it to a XXXX XXXX XXXX. A XXXX XXXX provided info showing the account was at one time linked to my Capital One account, not when check was cashed which is what matters. Had the account been linked at time check was cashed by other party, that might show funds were received by myself, which they were in fact not. A funds transfer from XXXX XXXX to my account showing the amount would constitute proof of receipt of funds. However, account was not linked at that time and there is no transfer of funds. She also references a check deposited in the amount of XXXX from the XXXX XXXX account to my Capital One account, which has nothing at all to do with check cashed in my name and funds not received. That check, in the amount of XXXX, has nothing at all to do with check in question in the amount of XXXX. I will again reference my signature on file, a signature card was provided at time of account opening, this is my true signature and is not the one on check, Capital One/XXXX XXXX will not bother to check this as they know I was not at my address to receive, sign check, cash it. Needless to say, they have no proof at at. At this time I would request the name of the supervisor of XXXX XXXX, in order to speak with him or her about this matter and the fact she has failed to provide the physical mailing address to send notice of small claim suit to or provided evidence I received check, cashed it, received funds.. She continues to refer to a third party web-site address which handles such notices, that site did not show a mailing address. She stated previously she would not reply to additional complaints and is again saying she might not reply ... .This goes to show her level of ignorance, I believe a reply is required by the CFPB which she should know ... In closing, she could avoid continual complaints if she wants to get check reissued. I am owed a total of XXXX by Capital One, they chose to stop payment on a prior check which was cashed by myself, the day before I left on XX/XX/XXXX..This is their error which they will not admit to

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802, I am asserting my unequivocal right to opt-out of the sharing of my nonpublic personal information with nonaffiliated third parties i.e Experian, XXXX, and XXXX, XXXX allowed by law. In addition to this opt-out demand, I instruct and demand that you take immediate action to remove any nonpublic personal information that may have already been disclosed to the said third parties. This includes, but is not limited to, any information shared since the inception of my relationship with your company. As a diligent consumer, I am concerned about the privacy and security of my personal information. This is not a matter to be taken lightly, and I trust that you understand the serious implications of noncompliance with this opt out demand notice.

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 2023-12-11
Company: Experian Information Solutions 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:
I have sent a letter to credit reporting agencies such as Experian, XXXX XXXX, and XXXX to remove unauthorized inquiries from my credit report. They have never responded about my request.

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 2023-12-11
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: Account status incorrect

Complaint:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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 also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-05-02
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: Information belongs to someone else

Complaint:
15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) BLOCK Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

the information was not requested to be blocked in error or a block was requested by the consumer in error ; also this the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; and before receiving any good and services My information is a result of identity theft before I the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 


PLEASE SEE ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: NC
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:
Account info Account name XXXX XXXX XXXX Account number XXXX Account type Account name XXXX XXXX XXXX XXXX Account number XXXX Account info Account name XXXX XXXX Account number XXXX Account info Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account info Account name XXXX XXXX  Account number XXXX Account info Account name XXXX XXXX Account number 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 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 non-monetary relief
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XXXX XXXX, 2023 I conducted an annual credit report to correct all inaccurate information on my TransUnion Account. TransUnion had over 20 non-medical addresses listed on my account. I requested that only 1 current address be listed. Later that day to my surprise after doing my research on TransUnion, it has come to my discovered that they are a for-profit entity trading my private trust information. They transferred my information to Transfer Agents, for securitization and additional profits without my express written or verbal consent, without FULL disclosure that is required regarding SEC transactions and registration. The aspect that gets to me and the heart of the whole matter is that for over 20+ years this company has benefited and controlled my private estate and its trade secrets while participating in the benefit of lower scores equals the greater possibility of purchasing the products they " pitch ''. This misrepresentation, misleading of the true intentions of TransUnion has damaged me and my family for years. It stops TODAY. I am clearly expressing as the surety, I never consented to any of TransUnions selling, exchanging, or pooling my information for their profit. I am removing any security interest they may have in my copyrighted name and information. This is an Unjust Enrichment

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 2023-08-28
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Company : Credit Collection Services Sent to collections : XX/XX/23 Credit score drop : XX/XX/23 Amount : {$66.00} They made no attempt to contact me personally. I don't live at home anymore, and my parents receive a lot of junk mail. I was only made aware of the debt by my credit score dropping. I asked and pleaded for a goodwill deletion, emailed and called, to which they claimed that wasn't possible. All I want is my credit score back to normal now that everything is paid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: WELLS FARGO & COMPANY
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:
Wells Fargo Dealer Services have been reporting false information on my credit profile, leading to a significant negative impact on my credit. To address this issue, I have gathered relevant documentation and reached out directly to Wells Fargo Dealer Services to explain the situation and provide evidence of the inaccuracies. Additionally, I have filed disputes with the major credit bureaus, supplying them with the necessary documentation. I am closely monitoring my credit report to ensure that the false information is removed. If needed, I will seek legal assistance to protect my rights and rectify the situation.

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 2022-11-20
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
I set up an autopayment on my AMEX account this morning for {$1600.00} each month. The payment is due XXXX XXXX. Today is XX/XX/XXXX and I've already made a payment on XX/XX/XXXX ( {$2700.00} ) which is still processing. Typically, one can not start an autopay for the current month this close to the due date. Knowing this, I assumed the autopay would start in XXXX which is what I want. The next screen stated that my autopayment would be processed today! I can't afford to make two payments in one month. So, I looked for the edit payment or delete payment button. There is no option to edit one 's payment or even to delete the payment. All I could think is that I don't have the money to pay my other bills and make two payments to AMEX! Plus, I still need to buy food for XXXX. I called AMEX. I was told that the payment can not be canceled. I would need to wait until it has posted and then request a credit to my bank account. I don't have that kind of money to do this. I called a second time, thinking I'll just delete my first payment since that hasn't posted yet. I was told that the first payment can't be stopped either! I would have to wait for the money to be taken from my bank account and then call AMEX to request an electronic refund which allegedly would take two days which means it won't hit my account until after XXXX. Maybe that wouldn't be a problem except that I still need to buy food for XXXX -- which isn't cheap. 

I am very angry that I was not given the ability to edit my payment or delete my payment by American Express. No other credit card/bank does business this way. I would not have this problem otherwise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-02
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 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. 

PLEASE SEE ATTACHED LETTERS.

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 2022-04-02
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
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:
On XX/XX/XXXX, I applied online for a new credit card with Penfed Credit Union. I was not approved at the time, but was sent an email stating they needed to verify my identity to process the application. I was told to upload my driver 's license and social security card thru the Penfed upload tool on the company 's website. I tried doing this without success, as I kept receiving an error message. I contacted Penfed and the agent attempted to resolve the issue, but was unable to. I was then told to fax Penfed the documentation and I did that the same day. I then contacted Penfed inquiring as to whether or not they received the documents and they stated they did, but can not accept them because they require XXXX, not XXXX and white. I then stated that is impossible to do via fax and asked if I could email them to the company and was told I can not. I was then told to come into a branch to provide the documentation in person. I told the agent I could not do that because the closest branch is approximately XXXX hours away from me in XXXX California. I was then told they would cancel the application and there would be no hard inquiry on my credit report because they could not verify my identity, thus not being able to process the application. 

On XX/XX/XXXX, I noticed the hard inquiry on my XXXX credit report and contacted Penfed. The agent apologized and stated he would open a case to have it removed. 

On XX/XX/XXXX, I again noticed the hard inquiry on my XXXX credit report and again, contacted Penfed. The agent apologized and stated he would open a case to have it removed. 

On XX/XX/XXXX, I received an alert from XXXX regarding the dispute and the hard inquiry was still showing. I again contacted Penfed and was told by the agent that they report factual information without explanation. I then asked to speak with a XXXX and was told I was put on a list for a XXXX to contact 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
Consumer complaint received 2022-11-20
Company: Diversified Adjustment Service, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I, XXXX XXXX has been fighting this frivolous supposedly debt for XXXX over 3 years now. First, I was going back and forth with Diversified ConsultantsXXXX but they could not verify the erroneous information that was being reported to my credit reports, so XXXX, XXXX and XXXX XXXX removed the debt from all three reports. Diversified Consultants were harassing me sending computer printed statements, but nothing ever indicating that I was legally responsible for the debt. Next, a few months later, Diversified Adjustments Service INC inserted the debt back on my reports illegally, with no notice or anything indicating on physically verifying validation of the debt. I called and called both collection firms and I was getting conflicting stories about the erroneous debt, which does not belong to me legally. So I reached back out, contacted the credit agencies first class mail, along with Diversified Adjustments. I sent first class with a return receipt which showed that " XXXX XXXX '' with Diversified signed for the letter on XX/XX/2021 ( evidence at hand ). I still didn't receive any legal documents or relevant information expressing debt is mine, there is NO LAWFUL STANDING 15 U.S Code 1692i ( b ). So XXXX and XXXX XXXX went on to delete this debt again, but XXXX has not and still showing negatively on my credit reports, although there still has not been any proof presented. Granted, this issue has been a nightmare and I am turning to CFPB to help me with this dilemma.

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