BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-30
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: Reporting company used your report improperly

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

XXXX Cards Has an inaccurate information and amount of late payments and is violating my privacy, as I did not give anyone permission to furnish this information. 

15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX, 2022, while I was at home, I had XXXX Chime Bank notifications appear on my phone stating XXXX transactions that were processed, XXXX for XXXX XXXX for {$28.00} and the other for XXXX for {$110.00}. Since I knew that I did not make these transactions I automatically thought that my debit card number must have been compromised. I contacted Chime support to immediately dispute both charges and locked my debit card. I was also able to go ahead and order a new debit card which automatically cancelled the original card. Once I submitted the info it stated that I would be contacted by support within XXXX hours. I did hear from them until that following Tuesday. The person I spoke to stated that both transactions were still pending and the disputes could not be filed until both transactions were out of pending status due to sometimes these types of transactions may fall off. Also, they stated that they could issue a provisional credit for both while the disputes are being investigated. Once the {$28.00} transaction cleared, I was granted a credit for that amount. At this time, XXXX was still pending. I checked my account XX/XX/XXXX ( or XXXX ) and saw that the {$110.00} transaction had cleared my account but at the amount of {$100.00}. I checked my chat stream with support and noticed that it stated that the issue was resolved so I went ahead and contacted them again to let them know that XXXX had cleared so they could investigate. Again, was told I would be contacted within XXXX hours but this time I heard from no one. Today, XX/XX/2022, I contacted them again but by phone. I was informed that I would not receive a credit for the {$100.00} because it did not qualify because it was in a pending status at the time. I told them if that is the case then why was the other transaction able to be credited when both transactions were done on the same day within the hour and I reported both of them together at the same time. The representative just kept repeating that the transaction didn't qualify. So I am out of {$100.00} that I did not spend or authorize to spend.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
There is a past due balance reported on a closed chargeoff account. 
CAPITAL ONE # XXXX All 3 credit bureaus not reporting accurate balances. FCRA rules state all 3 should accurately be reporting across the board if it was recently investigated. 
High Balance : XXXX {$12000.00} EXP {$0.00} XXXX {$12000.00} They are reporting multiple CO remarks to my payment history after date of last activity. 

All 3 bureaus also failed to update the Creditors Remarks Section to being investigated I am attaching a copy of my most recent credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
American express is reporting inaccurate information on my report and have shared this information to an employer without my consent. They have removed these accounts from XXXX however have not removed it from XXXX and XXXX which is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: NC
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 value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any remaining records. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2019-06-24
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:
My credit card number was stolen, and more than {$20000.00} of fraudulent charges have been made to the account. My address, email, and phone number have been changed to the wrong one over and over, every time I correct it, it gets changed from my XXXX correct address to a XXXX  incorrect address. 

I have spoken with fraud specialists at XXXX XXXX XXXX. At least 10 of them. Fraud charges are filed. I closed my account the beginning of XXXX. Called today, and it was open. ( XXXX, XXXX, DE ) Added verbal password, but it was only asked for maybe 4 out of 10 times. 
Spoke with XXXX, XXXX, XXXX At my local branch : XXXX, XXXX XXXX I reported to Experian that they have an incorrect address. They checked with XXXX XXXX XXXX, who told them that I do have a XXXX  address. I do not. 

The thief would contact XXXX XXXX XXXX when I cancelled a card to have the new card expedited to their address. They issued me 4 cards in 10 days. When they were ready to issue the fifth, I decided to close my account and bank with another company.

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 2022-11-01
Company: EQUIFAX, INC.
State: NV
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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Block, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Cash app card I opened up a minor child account with my cash app account I requested a money refund on behalf of my child 's cash app card for XXXX items not received from seller through website XXXX  cash app made a couple of cases to investigate they requested my evidence I gave them information requested then they denied it but I called and requested for case to reopen they did. nothing was happening so I asked XXXX for return of money they did refund and seller also refund but kept {$15.00} this took XXXX  months then cash app closed my child 's cash app card I called asked why we didn't do anything wrong but made a case for against seller taking my son 's money and not sending items cash app didn't give a reason said to go online cash app got upset because I kept calling them about refund request cash app customer service is out of the United States so they don't care about United States citizens they can care less if fraudulent activity happens if cash app can't handle these types of problems why are these types of apps allowed to exist in the United States keep customer service here in the United States to help its own citizens

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-11-01
Company: EQUIFAX, INC.
State: TN
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 XXXXXXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Commonwealth Financial Systems, 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'm trying to buy a house the information that was on my credit report was not accurate. I realized that I had damage report on my credit report. Some was already all paid off, they still have it on mmy credit report. According to the law 15 U.S.C 1681 there should not be no damage on my report it's a definition to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
HSBC had sent me promotional offer to open the account, spend some $ amount within 3 months and they promised a {$150.00} cash reward. I complied with the offer but never received any reward. I contacted bank multiple times : never received a reward or even response of why HSBC scammed me on this offer. Asking for my reward, supporting documentation will be provided upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: PNC Bank N.A.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Overdraft, savings, or rewards features

Complaint:
Hello, I'm a XXXX  at XXXX XXXX  University. I got an Email in my university mail box about a XXXX job offer. Since the mail came in my XXXX mail box, i thought it was legit. The offer was to be a XXXX XXXX and the employer would send me checks through email worth {$2500.00} to deposit into my account. The name of the employer is XXXX XXXX, his email is XXXX. He would tell me to keep the {$500.00} as salary and send the remaining {$2000.00} to another person through the XXXX function in my PNC bank app. The email of the person i was sending the money to is XXXX. I only recently found out from my bank that the check i was depositing were fake checks and my account was overdrawn {$9600.00}. I talked to my bank and they told me that the only way to solve this problem is if i repay the amount in cash, for now, i was told to open a new account with a different bank. Currently i don't have that much money in cash. I'm reporting this incidence in hopes that you can help me find a solution because i genuinely had no idea that i was being scammed. I'm looking for any help i can get. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company response does not meet requirements of validation. I have requested validation of debt ownership of account and not replied with validation requested.The dates being reported on credit report.Although company is stating they have purchased the account, that litigates and agreement between them and the third party not me and Midland Credit Management. Theres no contract nor agreement which I have repeatedly requested and I am not applicable by law to make any payments to them as I have no knowledge of the account and am positive of no contract existing between me and Midland Credit Management nor how they have violated my right to privacy by obtaining my information by way of identity theft. Furthermore they do not have a right to report such erroneous information on my credit report.So if this is not removed from my credit report at once I will proceed further legal action of my own! I would like the reporting of this account to cease and desist immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a bank account with CITI bank two weeks ago and I immediately ran into issues with XXXX XXXX so I gave them a call. I was getting an XXXX error. I was transferred between people for XXXX hours just for them to tell me that its not gon na work. I then put money into the account so itll be active. On Saturday I tried to XXXX someone to pay a bill and they immediately froze my account so I called them so it can get unfrozen and the agent asked me one of my security questions and I answered it and he said it was wrong. He then asked me for my phone number and I said it and said that it was wrong and then said that he will be locking my account until further notice and hung up. After that I was kicked out of my banking app and I cant log in or use my debit card. Its been 6 days now and Ive been told that Id get a call back in XXXX and they theyd email their specialty department. I have yet to receive any sort of callback. I was told that my card would work by two agents and when I try the card it doesnt work. I was told to call the customer service department so I can reset my pin and they cant verify me with my phone number. Its been a never ending battle with them and Ive called close to 20 times at this point and Im told that Im gon na have to wait for a letter to show up but I dont believe that for a second.

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 2023-07-06
Company: BARCLAYS BANK DELAWARE
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Last summer I bought pants at old navy. The cashier signed me up for the old navy credit card because their card systems were down, and she said that was the only way I could pay for my pants at the time. I called Barclays ( the Mastercard service ) to make my payment a month later. I paid in full, and I havent used the old navy  credit card since. 
Every month since then I have received a statement in the mail, and countless calls saying that I am late on my payments. Every time Ive called- the original payment is in their system, the late fees are cancelled, and my account closed. But then I keep getting messages that my account is not paid and I have late fees. I am so frustrated and I feel like I am getting scammed. Not only that, but the last several times Ive called I explain my problem, and then the line goes silent. Its like they wont even give me a chance to figure it out.

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 2023-07-05
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
PedFed is the finance company and XXXX XXXX XXXX is the car dealership. Finance company claims that I have a loan with them, but I never signed documentation for a car loan. I have requested a copy of documents from wet signature and have not received them. Request made over 120 days ago.

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 2021-04-16
Company: Lending Club Corp
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX - I signed a settlement agreement with Lending Club. It was agreed {$7600.00} of {$11000.00} owed was acceptable by Lending Club. Monthly payments were made and the final payment was made to Lending Club of {$3700.00} in XX/XX/XXXX. The balance was requested by me and I have an email from Lending Club with the {$3700.00} amount as the balance left to pay. In XXXX, Lending Club did report a charge-off on my account in the amount of {$3400.00}. Since then, I am not exactly when they changed the balance to XXXX and kept the status as charged-off. 

XXXX - I received correspondence from XXXX XXXX XXXX stated that I owed {$3400.00} to XXXX XXXX XXXX and the original Creditor was XXXX. ( It was Lending Club that I had the account with. I had never received any correspondence with the Creditor name as XXXX. ) They were offering a settlement agreement for me to pay {$1700.00} of the {$3400.00}. XXXX opened a new account in collections with the 3 credit bureaus and a balance of {$3400.00} as of XX/XX/XXXX. They have continued to report 30 days late each month because I refused to settle on an amount that had already been settled with Lending Club. 

XX/XX/XXXX - I received correspondence from XXXX XXXX XXXX, stating they were verifying the debt and will be servicing the debt for XXXX XXXX in the amount of {$3400.00}. 

XX/XX/XXXX - I sent a certified letter to XXXX XXXX XXXX, explaining that the debt had been settled with Lending Club and the XXXX  should be removed from all three credit bureaus. 

XX/XX/XXXX - I received a letter from XXXX stating they would be looking into my inquiry. 

As of XX/XX/XXXX, I have not heard anything from either Company. However, the XXXX is still on my credit report in collections and they continue to report late each month. 


Thank you for any help you can provide.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/23 at XXXXXXXX XXXX in the amount of XXXX was transferred from my Chime checking account when my cell phone was stolen. I submitted a dispute with the bank the day it happened and was told it was under review. A few days later go by and I received a email saying it was denied and Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. I submitted a police report the other 3 times I submitted a dispute and it was still denied. Please help!

Company response to consumer: Closed with explanation