BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
Company: Chime Financial Inc
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX, I attempted to transfer {$150.00} from XXXX XXXX  to Chime. XXXX  sent the money and Chime rejected it. The $ returned to my XXXX  account on XX/XX/XXXX. 

Chime says a name other than mine was on the account. I am the sole owner of both accounts, and there is no trust, DBA, estate of, second signer, or any unusual ownership. The name on both is XXXX XXXX. 

I reached out to chime and they refused to tell me whose name is on the account. XXXX actually pulled up the batch report sent to XXXX and state my name was on the account field for the ACH. 

Chime told me I could send an email, unsecured, regular email to XXXX. I have repeatedly objected to this as a unsafe, unsecured way to exchange personal details. They wanted an id and I reluctantly sent them a copy of my passport. They continued to refuse to give me the information and have demanded a copy of my driver 's license and social security card. They want it attached to an unencrypted, unsecured email. 

I am done with Chime. I am closing the account asap. My direct deposits do not go there anymore. 

I still don't know who tampered with my ACH, or if they mistakenly erred in rejecting the direct deposit and won't admit it. 

They appear to be violating the Graham Leach Act of 1999 that requires banks to handle personal information with more security. Why is a BANK asking for my social security card in such an unsecured and unsafe way? Why do they keep stonewalling my request for some basic information???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
on XX/XX/2022 Complaint ID : XXXX Company responded : Regarding the address, it can not be removed, as it is currently being reported by data furnisher ( s ) currently displaying on your credit report.

15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) 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.

A creditor, much like your credit card company or loan collector, should not be knowingly supplying incorrect information to a CRA.

This inaccuracy is causing Statutory damages and all my rights has been violated. 

with that being said it is your duty to provide accuracy of information related to consumers I request the removal of Address ID : XXXX. 4th and last attempt before I proceed with legal compensation.

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 2023-06-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
reviewed my Consumer Reports and noticed that I had 1 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, 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 explanation
Consumer complaint received 2022-10-21
Company: FIRST CITIZENS BANCSHARES, INC.
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Have a large amount of funds in this bank and can not access my account. Have tried to call many times and it is over an hour wait each time and the problem does not get resolved. Received an email that they will not even send me my statements due to one being returned. My address has not changed, my email has not changed but they continue to deny me access to my own money. I do not know where to turn. I have filed a complaint with the California Attorney Generals office. I really need access to these funds as I would like to purchase a few CD 's now at other banks. They seem to be shutting me out of my money and many others. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions 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:
I, XXXX XXXX am writing to complaints on wrong information on my credit report. Following Addresses are inaccurate and not my current or correct address : XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX. Following inquiries are on my report that were not applied for by me : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL The following employers are on my report are not accurate or current : 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 2023-05-25
Company: Experian Information Solutions Inc.
State: MS
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:
The complaints I submitted dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/2023 were closed immediately and were marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine.

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 2021-06-23
Company: Atlanticus Services Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I tried to apply for credit and was denied because of two credit cards from this creditor. I received the creditor information from the my credit report. I was incarcerated for 13 years and released this year in XXXX. My wife and I tried calling several times to get this issue resolved the right way. Everytime we call, we are transferred and put on hold for a long time or the department that handles fraud is closed. 

Im trying to get on my feet to help take care of my family and I cant because of this. I ask that you please look into this for me so I can establish credit and provide for my family. My certificate of release from XXXX XXXX XXXX XXXX is attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a lengthy history with NationStar Mortgage with unaccounted funds roughly on the order now of {$110000.00}. First i received a notification from NationStar that i was roughly XXXX in arrears ( while in active BK ) that prompted for investigation. On or about XX/XX/XXXX i sent a qualified written request. The response was revealing not only was i not coded for active BK they also claimed not to have received at least 7 months of payments totalling the same. I requested forensic audit of missapplied funds with no success. Well i let it go because my Bankruptcy attorney told me since i was in an active chapter XXXX plan calling for a cram down to pay off mortgage note in 5 years once discharge was received i would be vindicated. However, for personal reasons i chose to dismiss plan voluntarily. On or about XX/XX/XXXX i sent letter of intent and QWR again to NationSTar requesting normal mortgage servicing and reconciliationof roughly {$110000.00} or more of funds which were mailed directly from Chapter XXXX trustees office. Upon dismissal not only did Nationstar inform me that the account was not coded for normal servicing but that they could not account for all the funds received. I was further notified today on XX/XX/XXXX at in fact i was contractually up to date but that i had a balloon payment under " corporate advances '' of {$70000.00} in addition to a principal of {$35000.00} which was due as a balloon note and will come due on XX/XX/XXXX. I was further informed that this balloon was a result of a streamline in house modification which i never approved nor was not made aware of the of the contents of such an offer much less affix my signature to the same ( all done without the trustees permission ). Apparently a very crafty investor at play, On XX/XX/XXXX i sent another QWR requesting proper application of funds with not so much as a letter to provide outcome. On or about XX/XX/XXXX i was told a letter wen tout to bk attorney that cram down as void but with no accounting of the funds received. Contractually under original terms of mortgage i had a 30 year fixed rate mortgage at 7,125 % with a payment {$1700.00} taxes and insurance included. Through the plan Nationstar was received {$2000.00} and upon filing petition i was only 2 months delinquent. Basically there are violations of consumer protection law on several fronts. I will attach evidence of my intent to communicate with NationStar to resolve this issue. I am a firm believer that a lot of problems with banks stem from miscommunication. However, in the present matter the facts do tell a more revealing story.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: TX
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:
Reached out multiple times explaining to XXXX XXXX I as the consumer never gave consent to reporting any information according to 15 usc 1681 b ( 2 ) and explained that In addition to 15 usc 1681 b ( 2 ), 15 usc 1602 ( p ) trans unions reporting without my consent is considered unauthorized use of my credit card, social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Santander has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
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: Information belongs to someone else

Complaint:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX  XXXX XXXX  : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$460.00} XXXX  XXXX XXXX  : {$260.00} XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX XXXX  : {$770.00} XXXX  XXXX XXXX Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX  : {$1100.00} XXXX  XX/XX/XXXX XXXX  XX/XX/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 2021-06-24
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have 2 negative accounts reporting on my credit that should not be there. I do not recognize either of them to be mine. The credit bureaus are violating my consumer rights by reporting misleading and inaccurate information. I also filed a ftc on XX/XX/21 which was ignored because both items are still on all of my reports.

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 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX  Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2015-09-02
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was sold to Nationstar. At the time there was a {$1400.00} escrow surplus. However after one month, NS sent a letter stating that an audit revealed I had a shortage of {$500.00} and my pymt. needed to increase by {$40.00} a month. I disputed this via an a customer service rep. who said she would investigate. I never heard from her again. NS let the matter drop until XXXX of this year when an audit revealed I now had a {$2400.00} shortage. And my new pymt. was to increase by {$300.00} month. 
I disputed the math and the amount and asked to have a senior level person speak with me. I did this through the NS website in an email. A person did call. We spoke and i sent an XXXX page fax with my supporting documentation. I followed up with this person 11 days later. Heard nothing. Called again 4 days later and left a message. Heard nothing. 
I called the corporate office to complain, explain and ask for a senior level person to call me. I was assured that someone would. Heard nothing. 
Sent a certified letter with dates, names and broken promises to the CEO. Heard nothing yet. 
All the while customer service hounds me with phone calls to pay up. The loan has been put into default, they are threatening to begin foreclosure proceedingsand have stopped sending me hard copies of my monthly statement. 
I called today to demand that a hard copy be sent ASAP of the current month. I was told that I 'd been set up for email copies only. Ever since the loan was sent to NS, I 've always received hard copies, not once has a monthly statement been sent to me. I asked when the email copy was set up and I was told they could n't tell me. 
Each and every time customer service calls me I ask to speak to a senior person. I 've requested this multiple times via the NS secure message center. 
They do not respond except that very first time. Since then, they refuse to offer any help other than a payment plan. 
I am at a loss as to what to do next. It appears to me that NS has set up it 's departments with walls so that information can not be exchanged and thus problems do not get resolved. 
I went through similar issue with XXXX and it took 14 months to resolve. And the main reason XXXX cleared up the issue, ( they created ) is that I caught them in a lie. 
MY credit score is very, very high, I take my financial responsibilities very seriously. I do n't abuse my credit and I pay all my bills in full and on time. 
This makes it all the more frustrating to deal with NS. 
Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I filed a complaint with cfpb about truist and failing to apply a payment I made on a credit card they still havent applied this payment. I also told them to stop calling me unles it was in regard to this payment. 
They have called me 2 to 3 times a day and its not even about the payment they have upped the harassment calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 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 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 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 2023-06-21
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The credit card account is through Synchrony and was obtained through the purchase of a XXXX XXXX bed. I agreed to make timely monthly payments in the amount of {$200.00} with no interest charges and have made all payments in advance. However, when I made the XX/XX/2023 payment on XX/XX/2023, I received a notice of nonpayment today. I contacted Synchronys customer service and was informed a statement was cut on the same day as my payment and because of this, that payment was entered as an extra payment. Synchrony agreed to delete the late fees but stated they could not reverse the payment and apply it correctly to my XXXX payment. They also advised on XX/XX/XXXX, my minimum payment due is {$400.00}. The online payment portal does not show information regarding additional payments nor does it state their statements for the following month are cut XXXX  days following the previous months due date. I have never made a full extra payment in my payment history. I simply would like the payment reversed and correctly applied to the XXXX payment. This is not my error.

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 monetary relief