BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-05
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I, XXXX XXXX XXXX, attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a paid XXXX. XXXX Money order, which clearly states at the bottom that it is a negotiable instrument that I bought and paid for the rights to negotiate. It was made with the proper clauses and provision based on banking law in the amount of {$10000.00} in accordance with HJR-192 Public Law 72-10, U.C.C 3-603 ( b ), U.C.C. 3-311 and public law for negotiable instruments to Navy Federal Credit Union on XXXX XXXX XXXX They accepted my instrument but did not credit my account. I did call today, XX/XX/XXXX and spoke with XXXX in the charge off department. The phone call was recorded. They refused to stand in honor of the law by applying the proper payment ; even with the agreeing that they do accept legal tender, which is what I provided and the ability for the instrument to remain negotiable which is an even greater benefit for them. They stated that the Money Order was a " bad check ''. I am filing a complaint and asking for an immediate investigation to rectify the situation without XXXX so they may remain in honor. As it stands, they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.

I've also provided them with reading material on 'The Bank Act of 1933 '. 
Attached are all correspondence I've mailed to them. 
When they returned the full payment to me, they also included a response letter to one of my correspondences. That letter came past the 30-day request period. It did not answer any questions I had from my letter. The envelope they mailed also included detailed information of another member I have no business knowing about. Not only have they not upheld their fiduciary duty with me, but they have also failed their confidential agreement with others.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like to dispute a collection account with credence resource management. They claim I owe a {$1000.00} debt to a company named XXXX, for an account that originated in Michigan. I live in California. I have lived in California my entire life, 40 years. I have never been to Michigan, I know 0 people in Michigan.

1- I have never had an account with XXXX. I called XXXX, and they have 0 history of my ordering service. 
2- Your collection company told me the original account was located in Michigan . I have never been to Michigan. I live in California. 
3- I have contacted XXXX  , XXXX  and XXXX.

4- I have contacted a lawyer and given her all of your companies information. 
5- I am seeking other forms of legal aid and will not stop until this is resolved. 

THIS COLLECTION IS FRAUDULENT AND I WILL NOT STOP UNTIL THIS PROBLEM IS RESOLVED!!! 

XXXX XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2020 Account type Collection Department / Agency / Attorney Balance Loan Amount {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$140.00} XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$600.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Someone stolen my Identity to Open Fraudulent Accounts all Accounts that I reported on my Identity Report is fraud

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 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX XXXX Balance : $ - XXXX XXXX  XXXX Balance XXXX {$0.00}

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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I took out a credit builder loan and later realized it was not helping my credit so I payed it off. However they reported a payment 30 days late although Ive never been late.

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 2022-03-26
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CAINE & WEINER COMPANY INC is the collection agency, XXXX  INSURANCE is the original creditor. After receiving a collection letter, I immediately called and spoke with XXXX. I was informed to email connectcw.com and I would receive a response. Well, I have not. I also told him I am a victim of identity theft and the debt is fraudulent. 

When I received the collection letter, I checked the box that reads " check here if you dispute this debt, then mailed it to XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX, CA XXXX. '' When I called on or around XXXX - XXXX, the representative was rude, however I still informed XXXX ( rep ) that I am disputing the debt. 

I have sent letters such as Identity Theft Affidavit, police report ( case # XXXX ), FTC Identity Theft report because the information they are reporting is the result of identity theft, and inaccurate. I have requested that they stop reporting this information to the CRSs as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, and to take them as soon as possible. I also enclosed a copy of the FTC 's Notice to Furnishers which explains their responsibilities when reporting information to CRAs.

The countless letters I mailed, I've asked them to PLEASE stop reporting this fraudulent information, investigate this matter, and delete any disputed items as quickly as possible.

I also request for a letter explaining their findings and actions. I am a victim of identity theft, and I wrote the original creditor and collection agency to dispute the following charges on my account. 

On XX/XX/2022, I also notified the XXXX  serving XXXX XXXX in regards to my complaint # XXXX. The company hasn't responded, therefore, XXXX  closed the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
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 XXXX XXXX shows i had one 30 day late, but i was never late

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 2020-04-28
Company: Experian Information Solutions Inc.
State: TX
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX  XXXX {$1300.00} XXXX XXXX {$4800.00} XXXX XXXX XXXX IN XXXX {$480.00} XXXX  XXXX XXXX {$400.00} XXXX  XXXX {$350.00} XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX {$4200.00}

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 explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: WI
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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 2020-03-18
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:
Improper use of your report ( shared without consent, credit inquiries from unknown sources ) XXXX Experian XXXX XXXX ( Original Creditor : CITY OF XXXX FL ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) BALANCE : {$150.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX  Experian XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) BALANCE : {$1600.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX Experian XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX Experian XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX  Experian XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX Experian XXXX  XXXX BALANCE : {$130.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX  XXXX XXXX XXXX BALANCE : {$920.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX  XXXX XXXX BALANCE : {$0.00} STATUS : PAID ACCOUNT # XXXX XXXX  Experian   XXXX   XXXX XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT XXXX XXXX XXXX XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT # XXXX XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT # XXXX XXXX  Experian XXXX  XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT # XXXX Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Experian XXXX XXXX XXXX Finance Reseller XX/XX/2018 XXXX XXXX XXXX Finance/Personal XX/XX/2018 XXXX   XXXX XXXX XXXX XX/XX/2018 Experian XXXX XXXX XXXX XXXX   Credit Cards XX/XX/2018 XXXX  XXXX XXXX XXXX  XX/XX/2018

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 2023-07-04
Company: PNC Bank N.A.
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 I contacted PNC Bank again about other transactions that were pending but held causing a negative balance. I talked to 4 different branches of PNC and was told my complaints were definitely justified but when talking to case manager she informed me that PNC would not be liable for any charges related to my account being reversed and that I should just accept it and not listen to or call any PNC branch again.Its been a constant struggle and they have left me with thousands of dollars worth of charges

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX XXXX Balance : {$3000.00}

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 2017-11-30
Company: Circle Internet Financial
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX XXXX 2017 Bitcoin ( BTC ) performed a hard fork, which is basically a stock split. 
XXXX did not give the split off coins ( shares ) to its customers. I am looking to get the coins due to me from XXXX. I have since threatened them with a Class Action Lawsuit ( but no action is pending that I know of ) and they have arbitrarily closed my account for no reason. 

The hard fork should have given me XXXX BCH ( shares of Bitcoin Cash ). At the time of the fork it was about {$1400.00}, current value is about {$2500.00}. 

I contacted the company multiple times on, and after, X/XX/2017 and they stated they would not distribute the coins.

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 2020-03-18
Company: EQUIFAX, 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:
Improper use of your report ( shared without consent, credit inquiries from unknown sources ) XXXX  XXXX  XXXX XXXX ( Original Creditor : CITY OF XXXX FL ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) BALANCE : {$150.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX XXXX   Equifax XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) BALANCE : {$1600.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX  XXXX   Equifax XXXX ( Original Creditor : XXXX XXXX XXXX ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX  XXXX  Equifax XXXX ( Original Creditor : XXXX XXXX XXXX ) BALANCE XXXX {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX  XXXX   Equifax XXXX ( Original Creditor : XXXX XXXX XXXX ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX  XXXX  Equifax XXXX BALANCE : {$130.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX  XXXX XXXX XXXX BALANCE : {$920.00} STATUS : DEROGATORY ACCOUNT # XXXX Equifax XXXX XXXX BALANCE : {$0.00} STATUS : PAID ACCOUNT # XXXX XXXX  XXXX   Equifax XXXX XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT XXXX XXXX XXXX  XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT # XXXX XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT # XXXX XXXX  XXXX  Equifax XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT # XXXX Improper use of your report ( shared without consent, credit inquiries from unknown sources ) XXXX   XXXX XXXX XXXX Finance Reseller XX/XX/2018 XXXX XXXX XXXX Finance/Personal XX/XX/2018 Equifax XXXX XXXX XXXX XX/XX/2018 XXXX  XXXX XXXXXXXX XXXX XXXX  Credit Cards XX/XX/2018 XXXX XXXX XXXX XXXX  XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XXXX XXXX XXXX  there were several transactions that took place on my Chime account. In total XXXX transactions totaling {$19000.00} which spanned over a period of 16 days ( XXXX XXXX XXXX  ). At that time I was a very new customer to Chime and it was not my primary bank. I was never notified about any of these transactions. The merchant was some online gambling/sportsbook which I have never previously heard of or done business with. 

I filed a dispute with chime letting them know I did not make these transactions and that I also have been a victim of identity theft/hacking. I submitted documents to chime showing this. I was/am a victim of the data breach XXXX suffered in which all my personal information including SIM card were accessed. My Social Security number. Drivers license number. Phone number. Email addresses and corresponding personal information have all been compromised and found active on the dark web. Again I have proof of this from identity monitoring services which I pay for. 

In addition I was able to contact the merchant through the contact information Chime provided me. I explained the issue and eventually was able to convince them send me an email correspondence they had with the person ( s ) using my information. And in that correspondence even the merchant was stating they were clear and obvious signs of unauthorized activity regarding the account which they closed for this reason. 
I forwarded this to Chime as well as part of a rebuttal which was also denied. 

The documents that Chime has sent me in which they used to make the determination are made up of circumstantial and baseless accusations. It looks like they gave an opinion rather than an investigation with evidence. Several of her bottles have been denied and I am left devastated not knowing where to turn. The Internet is filled with stories such as mine which chime just denies claims even when staring at evidence proving otherwise. They need to be stopped and I need my money back as this has put me in a really bad financial position as well as taking a toll on my health

Company response to consumer: Closed with explanation