BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-24
Company: CL Holdings LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Jefferson Capital Systems LLC, for committing identity theft. I have never given Jefferson Capital Systems LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing illegal activity, any communication and collection activity, of this and any alleged debts until Jefferson Capital Systems LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Jefferson Capital Systems LLC continues its collection efforts, I will file for litigation for actual damages caused and Jefferson Capital Systems LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, security fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified pursuant by UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
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: Information is missing that should be on the report

Complaint:
TRANSUNION HAS FAILED TO REPORT ANY OF MY LOANS ON THERE SITE OR APP ALONG WITH XXXX I HAVE CALLED OVER XXXX TIMES TO BE MET WITH OUR SYSTEM IS DOWN THEY SHOW NOTHING NEW I HAVE 3 LOANS INCLUDING A XXXX CAR LOAN NOTHING AND THEY REFUSE TO FIX THE ISSUE

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 2023-03-23
Company: Chime Financial Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XXXX XXXX, XXXX, while checking my email, I noticed that I received an email from Chime that a purchase was denied at XXXX. I then checked my account through the app on my phone and noticed several transactions that I didn't do or authorize anyone to do. I promptly called Chime and notified them of the fraudulent activity on my account. The rep asked me some questions and said he would start an investigation. In the meantime, I called all of the merchants who all said they had security videos of the transactions. I filed a police report, then went home to wait for Chime to get back to me. When they did, they stated they were denying my claims because the stores the person or persons went to, I also went to often, like XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX stores. Well, I went to XXXX XXXX and asked for a copy of the receipt and I noticed the person used their phone number to get the discounts for some of the purchases and on the copy of the receipt they gave me had a phone number and the name XXXX XXXX. So that is the person who had used my card without my permission. Chime is still denying me the return of my money. I don't give my cards to anyone or authorize anyone to use my cards or make transactions. Also, Chime is falsely saying they were debit purchases and they weren't. They were all credit purchases which don't require a pin number. They also stated I had put deposits in the account saying I anticipated the money. However, the deposits were for 3 accounts that get auto debited from my account, which all bounced. There were 7 transactions in total. 1. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$14.00}. 2. XXXX XXXX XXXX on XX/XX/XXXX for {$36.00}. 3. XXXX on XX/XX/XXXX for {$140.00}. 4. XXXX XXXX on XX/XX/XXXX for {$21.00}. 5 and 6. XXXX twice on XX/XX/XXXX for {$13.00} and {$5.00}. 7. on XX/XX/XXXX for {$35.00}. Not to mention the 3 auto debit accounts which bounced and was charged {$29.00} for each one. I have more documents but I have to go through my emails and can provide them at a later date when I have all of the paperwork together. I'm still waiting to see actual proof that i made the transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-23
Company: EQUIFAX, INC.
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:
Hey guys. Right off the bat I want you to know I'm a nonchalant type of gal. I try not to sweat the small stuff because it just creates a lot of unnecessary worry. The truth is I'm only writing this complaint because I've spoken to a lot of other friends who are going through the same thing and they all convinced me to write this complaint so you know what the credit bureaus are doing or rather not doing in this case. 

A bunch of friends of mine as well as myself were looking into buying houses because the market is CRAZY right now. Interest rates are super low and its a great time to buy. We are all trying to prepare ourselves to go to a bank or mortgage lender and get qualified for a house. We all know our credit is an important factor in getting approved for a mortgage so we advised each other to review our credit reports and check for inconsistencies or items that are wrong. Personally, I'm of the mind of que sera, sera. At the same time I also know how important this is for ally my friends and regardless of my personal feelings, facts are facts. So in light of that, I'm moving on to the nature of this complaint. 

I know that I sent dispute letters to the credit bureaus on XX/XX/XXXX. I know I didn't receive a response for those letters. I know that after no response from them, I submitted a second round of disputes on XX/XX/XXXX. I know its too early to expect responses from XX/XX/XXXX, but I know since I never received a response from my initial disputes, I know I can't expect a response this time either so I am still filing a complaint because technically the responses to my initial disputes are now 32 past due and this complaint is warranted. And although I can't file a complaint on their behalf, just know that there are several of us that this is happening to so I know the credit bureaus are doing it on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}, {$0.00}, {$29.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616,  and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

-- AUTO ACCOUNT -- 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29.00} -This is not my 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 2022-03-24
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The following accounts are inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX XXXX XXXX  / XXXX / {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX / {$1400.00}

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 2023-09-19
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: MOHELA
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have called Mohela several times since XXXX. The dates I called them were XX/XX/14 on hold for 1 hour and 36 minutes had to hang up since I was at work no one never picked up. I called later that day at XXXX on hold for 1 hour and 50 mins no one ever picked up. Called later the same day on hold for 2 hours and 14 mins no one ever picked up. I called every day since then and had the same outcome. I called today after receiving my income based payments which it is now 10x higher then my previous payments which I clearly don't understand how because my family size has changed. I spoke to a representative at XXXX XXXX  and explained the above information and maybe there is an error. I was told if the income based payment has to be reconsidered it may make me ineligible for the public service loan forgiveness. I asked where is it in writing she said it is on the XXXX website and I looked while on the phone and did not see it on the paper I signed to evaluate for income driven repayment she immediately became defensive and I asked for a supervisor she said hold and I was on hold for over 40 mins. No one answered or returned to give me an update. I submitted my documents for public service loan forgiveness over the summer to student aid and have not received an update from Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 ace XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for 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 non-monetary relief
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I disputed this credit card issued by XXXX XXXX XXXX XXXX. It was opened fraudulently in my maiden name, which has not been my name since XXXX. According to the company, the card was issued around XXXX of XXXX and the charges all take place at XXXX XXXX  and XXXX in Michigan. I live and have always lived in Washington State. I have never been to Michigan. I have spent over 8 hours in total on the phone with this company. My first phone call to the company placed on XX/XX/XXXX resulted in the agent refusing to transfer me to their fraud department and instead advising me to file a dispute through transunion, which I immediately did. Approximately one week later, I received an email stating that the dispute investigation had concluded and the information was found to be accurate. I filed a second dispute with Transunion, filed a report with the FTC, filed a report with the Attorney General of Washington, a police report with XXXX Police Department and again called the company only to spend hours on the phone. On XX/XX/XXXX, I received a letter requesting a copy of the report I filed with the FTC within 20 calendar days. I immediately faxed a copy of the report, as the credit card company states that is the only way to submit such documents. I called the company shortly after to ensure the fax had been received only to be told they will take 5-7 business days to process the document that I sent. Trouble is, this would put me past their 20 day deadline. Transunion stated on XXXX that my dispute had been closed by the credit issuer, which doesnt make any sense at all. I have been hung up on twice today alone. This company and its agents are criminal. I encourage everyone to record their conversations and take excellent notes whilst communicating with this criminal 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 explanation
Consumer complaint received 2022-03-24
Company: NATIONS LENDING CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a manufactured home refinance loan online with Nation 's Lending. They reached out to me after I inquired on a random website about current mortgage rates. The contact 's name is XXXX XXXX. He informed me that his company was the # 1 lender for manufactured homes. Unfortunately I applied on their website and provided all the necessary information, W2 's, copy of my current mortgage statement, tax returns, etc, I authorized a credit report. Now after XXXX weeks, he refuses to respond to my inquiries re : the status of my loan, He does not answer email, text message or return my phone calls. I am worried that their inquiry on my credit report will damage my credit. 

XXXX XXXX Nation 's Lending XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Ohio, XXXX Phone : ( 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 2021-07-01
Company: WELLS FARGO & COMPANY
State: CA
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:
XXXX XXXX refuses to take off a paid off credit card that was initially fraud, from XXXX it is destroying my credit and theyve told me they cant take it off until 7 years I have over 10 inquires from fraud they I can not take off my credit Wells Fargo refuses to remove a 9 year old credit card off my 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
Consumer complaint received 2021-07-01
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2021 a {$45.00} payment was to be taken out from the checking account associated with the the Barclays credit card. However, at this time Barclays did not withdraw the {$45.00}. Attached is an email confirmation from Barclays confirming that Barclay 's received payment. On XX/XX/2021 I was required to restrict the initial associated checking account due to fraudulent activity. On XX/XX/2021 I was charged a {$29.00} fee by Barclays for a returned payment. However, when I made the payment on XX/XX/2021 the account was open and the funds available, Barclays charged me the {$29.00} fee because Barclays did not withrdraw the funds on the day specified. I should not be charged for Barclays laziness.

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
Consumer complaint received 2022-03-24
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2022 i opened a care credit card through Synchrony bank to cover the cost of my pet 's emergency room visit. I did NOT opt in for the card security that charges you a percentage each month of your total bill in case of death or other reasons you can not pay the total bill. On XX/XX/2022 I noticed a charge on XX/XX/2022 for " Card Security '' in the amount of {$35.00}. I tried the chat feature to get it resolved and he said he could not assist. I called customer service, the first rep was unhelpful and sent me to a supervisor who was condescending and rude and transferred me to a different number who " handles '' card security, even though she was well aware they were not open. 
Once their office did open, I called and was told I opted in for this service, which I know I 100 % did NOT and then she said she would submit something canceling the service and ask for a refund, but could not confirm if or when this would happen. They do not answer your questions directly and intentionally try to confuse you. I have spoken to 4 employees over the phone, 1 via chat, and 4 messages sent via secure messaging and still have not received confirmation that I will be getting the charge refunded and have been unenrolled in a service I did not opt in in the first place. It is a scam to auto enroll a customer in a service they did not opt into and hope the customer doesn't notice the charges until it is too late. They treat you like you are the liar on the phone instead of realizing all these complaints are happening because there is either a glitch in their system that is adding this check next to the yes in error or they are just adding it without consent after the fact.

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
Consumer complaint received 2022-03-24
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:
I have reached out to all three credit bureaus TransUnion, XXXX, XXXX. I reached out to them regarding the charge off debts they were reporting i started this process XXXX XXXX. Within 30 days XXXX will send back the debt is verified and updated. I never received a response from Transunion nor XXXX. I have requested 3x for all of them to tell me how the debt was verified. I never received the information back. Which i have asked them to remove the incorrect information they are reporting because of my FCRA rights. Still no change in my report. This is hindering my character.

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 2020-05-04
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This business refuses to upgrade or credit annual fees associated with its Platinum  Card membership despite my inability to utilize the card and its benefits amid the current climate.

Company response to consumer: Closed with explanation