BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-06
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On Tuesday, XX/XX/2023, Chime informed me that my account would be closed on XX/XX/2023 and that a check for any remaining balance would be mailed within thirty ( 30 ) days of XX/XX/2023 to the address that they had on file for me. No explanation of account closure was given besides a claim that I exhibited activity that violated the terms of the Deposit Account Agreement which I read and saw no violation on my part. XX/XX/2023 at XXXX, I contacted them to inform them that a customer service rep told me I was being sent a new card but also that my account was scheduled to close which it did. I asked for a status update on when my funds that were remaining in my account would be mailed and they responded saying quote The account will be closed on and is not eligible for a refund. After this email, I submitted an appeal to which they responded saying that my check for the amount was on the way, however, upon receiving said check on Thursday, XX/XX/2023 and attempting to deposit it in a bank account on Friday, XX/XX/2023, I was informed that the check was not verified and that I would have to contact Chime. Upon contacting Chime, I was told to try and deposit the check again. Saturday, XX/XX/2023, the bank told me the check was fraudulent and they were unable to deposit it. The check amount is for {$44000.00} which is the amount of my combined checking and savings accounts I had with Chime and they have communicated that they will not reopen the account so I can have access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently obtained a copy of my credit reported and noticed that Transunion and XXXX are still reporting XXXX XXXX XXXX which is a charged-off debt to my account after two attempts to resolve this matter. I contacted Transunion and XXXX in XX/XX/XXXX XXXX  and XX/XX/XXXX XXXX  and have yet to receive any update. 
Furnishing discharged debt, which is now being claimed as taxable income is violating my consumer rights, specifically 15 USC 1681E ( B ). Transunion and XXXX have not done their due diligence of reporting maximum accuracy to my credit profile. Income CAN NOT BE REPORTED to one 's credit report. I have requested that information be removed as I have been issued my 1099c form. I would like to resolve this amicably.

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 2022-12-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX**3RD ATTEMPT*** It has been over 30 days since my 2nd attempt and I have NOT received ANY correspondence. 

In my previous CFPB complaint, XXXX responded and gave pushback stating that the bank account I used to try and set up auto pay back in XXXX XXXX  and onward was an account that did not belong to me and that it was under a different name. However, this is NOT true. My wife ( XXXX XXXX ) and I are equal owners of this bank account. Please see the attached bank statement & copy of my check book that shows both names as proof. XXXX 's name shows first and mine shows second. We both have equal ownership to this bank account. You can also see that the bank account number in which XXXX rejected ( XXXX ) is the same account number that is on the bank statement & check book. I'm not sure if it's because XXXX 's autopay can only detect the first name listed on the bank account but I am 100 % on the account as an account owner. Therefore, Autopay was rejected for a false reason and this ultimately caused my mortgage to be late when I had full intent to pay and even tried setting up auto pay multiple times. I kindly ask XXXX to rectify the late payments on both my mortgage accounts please. Please look at the rejection letters from XXXX and the bank acct number they rejected due to supposedly not being mine. Then look at the bank acct number on the bank statement and check book. Here you'll see that I, XXXX XXXX, am in fact an owner on the bank account.

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 2023-04-10
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I discovered today on XX/XX/XXXX that a company calling themselves, NCB management services his place the collection account on my credit. I have no clue who these people are. I have received no voicemails. I have received zero written communication. It just pops up on my credit file. Now I know regulation of requires them to verify you have received written notification and notification of your right to dispute. This did not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not a regular dispute. Take action immediately you are in violation. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06
Company: Resurgent Capital Services L.P.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I don't recall any charges and the time they were made

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account XXXX XXXXXXXX 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 state a consumer report agency can not furnish a account without my written instructions

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 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  # XXXX, Account name : XXXX XXXXXXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : 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 2022-12-27
Company: EQUIFAX, INC.
State: FL
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : 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 XX/XX/XXXX XXXXXXXX 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 XX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: Experian Information Solutions Inc.
State: MO
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 HAVE NEVER HAD AN XXXX ILLINOIS ACCOUNT EVER. I HAVE XXXX MO. THE ACCOUNT REPORTING DOES NOT BELONG TO ME AND I HAVE NEVER AUTHORIZED ANYONE TO OPEN AN ACCOUNT IN MY NAME. NOR HAVE I EVER LIVED AT THE ADDRESS ATTCHED TO THIS ACCOUNT. I FILED A COMPLAINT WITH ALL 3 CREDIT  AGENCIES BACK IN XX/XX/ 2017. THIS IS THE ONLY CREDIT AGENCY THAT STILL HAS THIS INFORMATION ON MY CREDIT REPORT. THIS HAS A NEGATIVE INPACT ON MY SCORE AND BY LAW SHOULD BE REMOVED BECAUSE ITS NOT MINE. IVE HAD XXXX MISSOURI FOR OVER 7 YEARS. PLEASE REMOVE THIS ACCOUNT AND THE ADDRESS FROM MY REPORT.

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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX  Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2023-02-25
Company: AMERICAN ADVISORS GROUP
State: NC
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, I inquired about XXXX with XXXX XXXX XXXX XX/XX/XXXX AAG received the property title report with a lien on my property. I had no idea about this and my townhome is payed off. The person I was dealing with had left the company. No one for a while had contacted me. Then someone called me and asked if i still wanted to do the HECM. I said of course. I went through the leg work already. All of a sudden, the notary person came to my house and rushed me through all the tons of documents. Yes i signed them and got covid after that so did not double check everything within the 3 day period. They gave me the equity of XXXX. Then i find out they payed XXXX to macintosh law firm for the medical lien on my property. NOT one person discussed that with me and also the remaining equity went to a set aside XXXX. Also no one discussed that to me. The reason I got the XXXX  was to have help with retirement. I disputed the medical Judgement with AAG. A month later I got a letter saying I do not have a case. I also asked them to look at recordings from before on the fact that not one person discussed the medical judgement or the set aside.I would have never done the XXXX if I knew this. AAG said that recorded calls are unavailable.. They now have control of my property and they took my equity. I have nothing. How on earth can they even allow me to get a XXXX loan knowing I had a lien

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: CT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX failed to provide me with statements, XXXX XXXX replacement and also updated the address from XXXX to XXXX. 

My XXXX XXXX eas canceled alone with check and other identifying documents. 

The company constantly reported me late and took advantage of the adverse situation. 

Rather to rectify the issue they keep sending generic 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 explanation
Consumer complaint received 2023-07-17
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$8200.00} XXXX XXXX Balance : {$8300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
On XX/XX/2018, I received a credit monitoring alert that my XXXX account was removed from my Trans Union credit profile. I contacted Trans Union on XX/XX/2018, and they advised that XXXX  contacted them to tell them to remove the account due to fraud. I requested Trans Union to  send me that correspondence, they advised that I would have to contact XXXX  for that information. 

I then contacted XXXX to let them know. They advised that they had not requested for the account to be removed. 

How can credit bureaus contact other bureaus and delete, add, an or do what they want to do with someone's profile and not even advise the person? I feel that this is a personal attack by XXXX to keep my credit score low by removing positive account information.

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 2023-07-24
Company: TRUIST FINANCIAL CORPORATION
State: FL
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:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2021-11-08
Company: TMX Finance LLC
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I took out a loan on a XXXXXXXX XXXX back in XXXX I contacted Titlemax and let them know I had lost my job and was unable to pay. I offered them the car in lieu of paying off the loan. Shortly thereafter a tow truck came by and took the car. I figured the issue was done and now almost 4 years later I am getting repeated calls from various numbers on my personal cell phone with an automated message to call Titlemax back or press 1. I have pressed 1 on one occasion and was transferred to a rep that started asking me all kinds of personal info, as if they had no idea who I was. They proceeded to tell me I owe an extreme amount of money and they told me that I still owe them regardless if the car was taken or not. I told them I would do my research and call them back, and proceeded to call local tow yards and police department. Various searches for the VIN and License plate show that the vehicle is nowhere to be found. So now I'm out my vehicle and Titlemax is demanding their money. It has been way too long and I'm pretty sure they screwed up somewhere and don't realize they have my vehicle. 

I would like them to double check their records and leave me alone, since they took my car and per their agreement them having the collateral ends the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
For the past two years, I have had a credit score of over 780. I had never missed a payment, ever. I have two open credit cards, one is a Cabelas Credit Club Card. I rarely used the card, only using it for emergencies. I have never had a late payment on it. When Capital One took over Cabelas Credit Club Card in early XX/XX/XXXX, they magically found a charge on my card from XX/XX/XXXX that was not paid. It is XX/XX/XXXX, and my credit score was  never impacted by this/this information never existed for two years. However, when Capital One took over, my credit score dropped 100 points to XXXX. I called Capital One, and I paid the balance of {$13.00} and closed the account. I am looking to buy a house and while my credit score is still good, it is not where it once was. It is just frustrating that this charge was " found '' this year. Nothing was done to remedy my credit score.

Company response to consumer: Closed with explanation