BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I am not an attorney or a third party I am filing a complaint on behave of myself because it is my LEGAL right to do so. I have viewed my credit file and I noticed that there are several incomplete or inaccurate items on my file. The following addresses are not mine please delete them : Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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. 

My name is : XXXX XXXX XXXX please delete/remove any other version of my name : XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX and XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX. 
My Phone number is : ( XXXX ) XXXX Please Delete Phone Numbers that do not belong to 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

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 2018-10-11
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have been having trouble coming up with the weekly payments on the loan, which are {$270.00} bi-weekly, but managed to have the money in the account ready for the withdrawal date. I originally applied for this loan at Big Picture Loans because I kept getting bombarded with mail about their low fees and the convenience. I found myself strapped on cash for rent and decided to apply for the loan. They sent me an e-mail congratulating me for being approved for {$1500.00}. After making a total of 5 payments on time, a total amount of {$1300.00}, I called the company to let them know my financial situation is not getting better and that my job is actually cutting hours, to which I have payroll statements for proof. They let me know that out of the {$1500.00} that I had originally borrowed that I owed {$1500.00} and that the {$1300.00} that I had paid so far was all in interest. Therefore that for {$1500.00} loan I was going to end up paying over {$4000.00}! The company was very deceiving when continuously to bombard me with mail and making it it seen that it was a viable option for a low income family like mine. Those kind of loans should never be offered, neither approved, to someone who is making {$300.00} checks minus deductions. I want to pay the balance due on the original money borrowed and shouldnt be charge those high interest fees when Big Picture Loans was constantly pursuing a client that clearly did not qualify to get that kind of loan. I am a single mother with XXXX children ages XXXX, XXXX, and XXXX and that loan would only bring my family to be even lower on the poverty level. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chime closed my account on XX/XX/2022 with no explanation. I have tried to contact them and they won't give me any anwaers as to why. I had a credit builder card with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: LDF Holdings, LLC
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a short-term loan via XXXX for {$1100.00} on or about XX/XX/2020. 
I have paid two installments on the loan for {$390.00} each, so total paid is {$790.00}. 
On XX/XX/2020, I called and emailed ( 6 times ) to change my payment method to a different bank. 
I sent a copy of " old '' payment method blank check and a copy of my " new '' payment method bank statement per XXXX  's request. They replied that they could not read the bank statement, and even though I had stated multiple times that the " old '' account had been closed, they attempted to withdraw the payment from closed account on XX/XX/XXXX. 
When their debit was returned " closed account '' they automatically charged me an exorbitant amount and now say I owe them {$3900.00}!!! 

Please intervene as soon as possible. All customer service representatives ignore ( d ) my requests to change payment method.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Discover bank ( online savings account ) charged me a {$30.00} insufficient fee while I have enough balance on my account. Their weird accounting system held my deposit for excessive amount of days. Instead of paying out a payment using my balance, they claimed I have insufficient fund, not honor the payment, and charged me a {$30.00} fee. I've contacted them at least 3 times though their online messaging system but every time their response is like a robot, quoting me a lot of fancy words without working on my issue. I even warned them the last time I'm going to report to XXXX  but they still refuse to cooperate. 

I first tried to file a compliant to XXXX but they said banking is out of their coverage so I figured you guys are the correct place to file compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX XXXX  chime closed my account for no apparent reason and I still have not received none of my money I'm.being evicted from my home because they would not send me my money and still won't send my money which I really need then I had more money went to chime and they want send that either I want my money and it's not right that chime can do this please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
American Express has discriminated against i the consumer on XX/XX/2022. This is a violation under tittle 15 chapter 41 pursuant to ( The Equal Credit Opportunity Act ) It shal be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction - 15 USC 1691a ( 3 ) - because the applicant has in good faith exercised any right under this chapter. 

Under tittle 15 chapter 41 congress lets me know that credit is a right. 
( Truth in Lending ACT ) 15 USC 1602f - The term credit means the RIGHT GRANTED by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. 

15 USC 1681M -adverse action letter American Express has violated my consumer rights 1 ) 15 usc 1642 2 ) 15 usc 1681M 3 ) 12 CFR 1002 Both letters dated on XXXX XXXX and XXXX XXXX Is both proof and evidence that I have been discriminated against, you are also criminally liable American Express should resort to reasonable procedures to rectify this unfair and compensate me for the use of my Social Security number. Otherwise, this would be considered an unauthorized use since I have received no benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have contact this company serval times with either no responds or lack of this is affecting my ability to do business with other company 's. Can you please contact this company and have them to remove this incorrect information as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XXXX of XXXX, I found out that XXXX XXXX XXXX XXXX issued a {$30000.00} credit card or a loan in XXXX of XXXX to someone who might have committed an identity theft. I filed a dispute with XXXX, XXXX, and Equifax and all three of them didnt find anything wrong with the information provided by XXXX XXXX XXXX XXXX XXXX From the information reported, I can assure that the address and the telephone number of the individual who took the money do not match mine. I never applied for that line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: CMRE Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I need to dispute the account. This is not a bill that I owe. This bill is not accurate. It was reported inaccurately. This has been previously confirmed with the original creditor that it is not accurate. You have reported it inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Sequium Asset Solutions, LLC
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: Was not notified of investigation status or results

Complaint:
I spoke with Sequium I ask them for proof of debt but they said they dont have it since the bill is owned by XXXX XXXX XXXX. They wont pay for deletion even when they have an old address of mine in XXXX XXXX. I never had communication with them. This is unfair that am trying to make this right and they refuse to help me. My account number is # XXXX XXXX XXXX XXXX account # XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: AZ
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:
I submitted a dispute to Experian regarding accounts - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX they are closed and charged off but they are still showing as PAST DUE. That is inaccurate and therefore should be deleted per- FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 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 2020-10-02
Company: Experian Information Solutions 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:
I've attempted to contact you regarding these fraudulent accounts on my credit report however the response I have been getting hasn't been up to par. I understand that the pandemic has been tough and I appreciate your help in this matter. These accounts have been hurting my report and need to be removed immediately.

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 2020-10-02
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I did three purchases of {$52.00} on XXXX back in XXXX from the same seller and turned out he was a scammer. XXXX messaged me the next day saying the sellers account had been removed for fraudulent purposes. I filed a claim with bank ( Navy Federal Credit Union ) thinking they were above XXXX and XXXX. 

They gave me a temporary credit to my account in XXXX and on XX/XX/XXXX, I received an email from Navy Fed the claim was not resolved in my favor because the merchant had provided tracking numbers. Therefore, I would have to pay the credit back. 

All they had to do was realize those tracking numbers were not even going to my zip code and the weight was way off. All three XXXX tracking numbers were going to my city, BUT DIFFERENT ZIP CODES. The XXXX representative said all three were XXXX packages, not XXXX. To top it off, I had purchased three gallons of epoxy, yet all three packages weighed no more than 2 pounds. 1 gallon weighs around 8 pounds. 

All these red flags, proof from XXXX it was fraud, XXXX XXXX representative on the line with Navy Fed that corroborated my story and still Navy Federal did not want to reopen my case and I am stuck here scammed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Chase describes fees for sapphire reserve at XXXX 16.99 % 23.99 % variable APR. They charge me several points higher, and made no change to reduce me to this range despite having lower interest rates this year across the board. 

When checking their terms, it is listed as : 16.99 % to 23.99 %, based on your credit worthiness. These APRs will vary with the market based on the Prime Rate. 

Meaning, they checked my credit and decided to place me above their own stated range. This is misleading. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: ALLY FINANCIAL INC.
State: CA
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:
1. On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
2. On XX/XX/XXXX, ALLY FINANCIAL , INC add a hard inquiry on my credit report per XXXX, XXXX and XXXX. 
3. On XX/XX/XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX, XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: CT
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX  XXXX XXXX LATE PAYMENTS Credit usage 100 % Balance {$340.00} Balance updated XXXX XXXX, XXXX Credit limit {$300.00} Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit card Status Open. Status updated XX/XX/XXXX Highest balance XXXX XXXX Monthly payment {$25.00} Last payment date XXXX XXXX, XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX THE DATE OPENED DATE CLOSED AND LAST PAYMENT IS IN ACCURATE ON THE 3 CREDIT BUREAS AND ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL ... SINCE THIS IS A FRAUD DUE TO IDENTITY THEFT THIS BE REMOVED FROM CREDIT PROFILE AND CONSUMERS REPORT 4 BUSINESS DAYS FROM RECEIPT RESPONSE DISPUTE DISPUTE RESPONSE! 
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CONSUMERS REPORT AND CREDIT PROFILE AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CONSUMERS REPORT AND CREDIT PROFILE It is now XX/XX/XXXX 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I called to dispute a charge and request replacement card back in XXXX. Citibank cancelled my acct without my permission. They then reopened it and stated they were sending new cards. i STILL HAVE NOT RECEIVED NEW CARDS FOR MYSELF OR AUTHOIRZED USERS. then today Citibank unlocked my card and indicated i located it when I do NOT have the card any longer, and i never logged on or called and advised anybody I found the card and refuse to offer or give me credit line increase

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 2022-11-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XXXX of XXXX, I found out that XXXX XXXX XXXX XXXX issued a {$30000.00} credit card or a loan in XXXX of XXXX to someone who might have committed an identity theft. I filed a dispute with XXXX, Experian, and XXXX and all three of them didnt find anything wrong with the information provided by XXXX XXXX XXXX XXXX XXXX From the information reported, I can assure that the address and the telephone number of the individual who took the money do not match mine. I never applied for that line of credit.

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