BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-11
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Recently, the Consumer Financial Protection Bureau ( CFPB ) issued a directive for Citi to pay {$25.00} million in fines and consumer compensation due to intentional discrimination against credit card applicants of Armenian descent. This occurred between XXXX and XXXX, involving singling out applicants with surnames like XXXX  and XXXX. Citi hid the discrimination by providing false reasons for credit denials and instructing employees not to document these practices. As an individual with a Costco Citi bank card, I am concerned about potential impact, particularly in light of an incident in XXXX where I believe I was denied the opportunity to open a business account at the XXXX location. If my experiences align with the affected group, I intend to seek clarification and resolution by reaching out to the CFPB or the bank.

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 2023-05-02
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
In XXXX XXXX XXXX we contacted Ally Financial about purchasing our leased vehicle, we received the payoff amount and secured a loan to payoff the vehicle. 

XX/XX/XXXX we mailed a check certified overnight to the address provided by Ally XX/XX/XXXX the check was signed for. 
XX/XX/XXXX we called to verify if check was posted. The rep. we spoke to had no knowledge of the being recieved and told us it would be 30 days to post. 

After waiting 30 days called again and Ally had no knowledge of the check being recieved we explained that it was mail certified and was signed by someone at the address they gave for the payoff. The only remedy was to launch an investigation. We gave the amount of the check, check #, and copy of the post office delivery receipt. 

we received no correspondence from Ally regarding this matter, so we continued to call again on XX/XX/2023 and XX/XX/2023 The only solution that was offered was to send another check to the same address in which the first check was lost. The only means of purchasing vehicle was mailing a check to said address. 
Since launching an investigation Ally has not contacted us about the lost check. 
Since our lease was up in XXXX we surrendered the vehicle on XX/XX/XXXX, contacted Ally at the time of the surrender as of XX/XX/2023 Ally has not picked the vehicle up from the dealership. They have sent a letter dated XX/XX/2023 of notice to report negative information to the credit bureaus. We have also received collections calls which we informed them that the vehicle was at the dealership. We were told that it was illegal for Ally to contact the dealership. We contacted the dealership to inform them that the vehicle was at the dealership.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: DE
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:
I went to a car dealership and applied for auto loan, I also applied for some credit accounts and my credit was shopped around, I ended up with 55 hard inquires. 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 explanation
Consumer complaint received 2023-12-15
Company: Credit Service International Corp
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The electric utility supplier XXXX XXXX wrongfully charged a {$50.00} cancellation fee. Sent it to collections without telling me, then end up getting collections harassing me for the {$50.00} that I don't owe. Collections company Credit Service International Corporation doesn't seem to care that the fee was reversed/cancelled and still asking me for the money. 

What makes it worse, is that the female individual that contacted me from Credit Service International Corp. is yelling at me like a criminal and basically under the assumption that I'm lying. That's messed up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
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:
I filed a report on XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, gives a statute of limitations on written contracts- XXXX XXXX before a debt becomes time barred. In filling my dispute, the agency took XXXX XXXX and reduced my score by XXXX XXXX, this is in violation of my rights as a consumer and on fair reporting,

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 2023-12-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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:
XXXX XXXX I had registered the my vehicle to Alabama at which I no longer lived at the address thats reporting with XXXX  XXXX XXXX XXXX For The XXXX XXXX XXXX XXXX my drivers license and registration attached to that vehicle at that time is XXXX XXXX XXXX XXXX XXXX, Alabama.

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 2023-01-24
Company: FIRST NATIONAL BANK OF OMAHA
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
XXXX complaint against FNBO, now it's time to sue for damages, thus this is their thirty ( 30 ) notice of intent to sue as per Superior Court guidelines. 

Fact timeline : Went thru XXXX website to book a trip, promotion there was apply for XXXX XXXX rewards M/C and obtain XXXX miles bonus within XXXX billing cycles and pay a {$99.00} fee to obtain the card. I was approved card. 

Initial complaint was that I never received a M/C card after XXXX ( XXXX ) days, thus it's legally " unreasonable '' for FNBO to delay card XXXX. 

Called to complain, FNBO said they would cancel above card and mail me another one. 

In between I received the bill attached, with {$490.00} charge from XXXX and XXXX yearly fee. 

The address on the billing did not show my apartment number of # XXXX, thus I surmised that because of this I never received card # XXXX. 

I called FNBO and complained again, that they did not have my apartment number that XXXX had, thus we have negligence against FNBO and never will receive card # XXXX. 

FNBO cancelled that card and issued me another one with assurances card would be expedited ( card # XXXX ) Never received, thus we have damages to lawsuit. 

Negligence and fail to preform contract as provided for under third party ( XXXX ) Damages, {$99.00} fee for card never delivered. 
Damages to wit amounts to be approximate {$1200.00} for XXXX Guest reward points that I will never receive as can not purchase anymore XXXX XXXX as I do not have a valid card, in hand due to negligence by FNBO. 

Thus, will be suing for {$2500.00} which will be paralegal costs and amount to process the case as court of jurisdiction will be AR as contract was consummated here. 

XXXX XXXX XXXX Paralegal and Current Law XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We also have discrimination case against XXXX which will be filed in another venue, against a XXXX protected class of person that is protected by law.

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 2022-11-17
Company: ALLY FINANCIAL INC.
State: NY
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:
I went to XXXX : company name who I now see is rated F by the XXXX. So I may purchase a vehicle then submitted 1 credit application. They sent out my info to multiple lenders and gave me 6 hard inquiries on my credit without permission. I called all lenders to give a complaint and havent been responded to. XXXX hasent been very helpful. The companies whom hard inquires I did not give permission to are XXXX XXXXXXXX Ally Financial, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Ally inquired hard on my credit 3x consent wasnt given for any of these.

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 2023-12-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name XXXX XXXX XXXX XXXX  Account name : XXXX XXXX, Account name : XXXX XXXX XXXX. Account name : XXXX XXXX XXXX. However, they stated everything was complete and accurate. I requested for the documents showing steps taken by credit beaureu doing investigation. I never recieved it. I disputed with both creditors and credit bureau on multiple occasions to keep getting generic system replied. My FCRA has been violated on multiple occasions from XXXX, experian, 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 2022-11-18
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2022 my personal credit reports were accessed without my consent and while my credit reports were in frozen status. Someone was able to apply for credit under my name and SSN. I didn't give verbal or written consent. I called each financial institution and advised them that I XXXX XXXX didn't give permission to run my credit. According to my credit report, it is only showing inquiries currently.

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 2023-12-15
Company: Entrata Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Resident Verify by Entrata is engaging in fraud and identity theft. I did not give them consent or authority to share my personal nonpublic information. Resident Verify by Entrata does not have my consent to have and share my private personal information. They are a nonaffiliated third party and they are involved in aggravated fraud and identity theft. They are violating my right to privacy as a consumer by reporting inaccurate, false, damaging information to consumer reporting agencies. They are in violation of multiple federal laws. My only name is XXXX XXXX. My only address for the past XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, TN XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: IL
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:
Experian PLC is headquartered in XXXX, XXXX and operates in XXXX XXXX. Experian PLC is a for profit traded company under symbol EXPN in the business services industry, which generated XXXX XXXX dollars for fiscal yr. XXXX. 
Experian is regulated by the FCRA and in occurrence with the FCRA. Experian must comply with The Privacy Act of 1974, 15 U. S. C 1681 a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers ' right to privacy. 
I have not verbally or given any written agreement to Experian that allows them to report or provide any information on any report pertaining to a federally protected consumer. 
They have violated 15 U. S. C 1681b, 15 U. S. C 1681c, 15 U. S. C 1681e ( a ) ( b ) and being as though Experian has not received any written instructions from a federally protected consumer. Experian has stolen my identity under 12 CFR 1022.3. Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
I have the right to make sure my private information isnt shared, which is backed by 15 U.S.C 6801. 
These are the accounts I want removed from this credit profile : 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 2023-12-15
Company: Chime Financial Inc
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/2023 I mailed two checks for {$17.00} and {$50.00} each. However, Chime 's check-issuing institution, which is apparently XXXX XXXX XXXX , submitted the checks in duplicate. I was charged a duplicate check fee by my landlord, XXXX XXXX. 

I paid the duplicate check fee online. I paid the fee right away online with an online payment fee of {$.00}. 

I have requested a rembursement for {$10.00} to cover the cost of the error on the part of Chime 's check issuer. I've gotten some email replied but none actually resolving the issue. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: PA
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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'm submitting a CFPB complaint and demanding that the Credit Reporting Agencies delete the fraudulent accounts and information from my Credit File. How many times do I have to tell the Credit Bureaus that I was a victim of identity theft and that the accounts I'm disputing were the result of this crime? I've repeatedly asked the Credit Bureaus to remove the disputed items, correct my Credit File, and provide me with copies of proof of verification. However, the Credit Bureaus have repeatedly disappointed me and failed to provide the requested documents. Despite sending dispute letters with complete proof of identity and the Identity Theft Report I received from the FTC, the Credit Bureaus have done nothing. I'm submitting this CFPB Complaint to follow up on my previous complaint and demanding that the Credit Reporting Agencies remove the disputed items immediately before I'm forced to take legal action. Remove the following items completely from my Credit File. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. Please assist me remove the items which are fraud : XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, TX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX, XXXXXXXX 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 2023-06-15
Company: Experian Information Solutions Inc.
State: NJ
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TD BANK US HOLDING COMPANY
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I've filed a dispute with Target/TD Bank credit card company where I have been XXXX  in the Oklahoma department of XXXX since XX/XX/2017 serving a XXXX XXXX XXXX  in the Oklahoma department of  XXXX XXXX Where I am XXXX at the XXXX XXXX XXXX XXXXr at XXXX XXXX XXXX XXXX, OK XXXX and my DOC number is XXXX. I looked on my credit report, I seen an account from Target credit card that I had not opened nor giving anyone permission to use my name to do so. I've sent this company a copy of my consolidated record card which shows my start date, how long I've been in XXXX, with a copy of my DOC XXXX Identification with my Social security card. Which could've all been verified by the Department of XXXX had this company did a proper investigation into this matter. Where they failed to respond to me in writing. And for these reasons if I have been XXXX for the past XXXX XXXX when this account was opened in my name I was in the Oklahoma department of XXXX at the same address of XXXX XXXX XXXX XXXX OK XXXX for the past XXXX XXXX where no credit card was ever Sent to me at my apddress at a XXXX XXXX this is facts that would've have shown that someone is using my personal information, was the whole reason I'm complaining about this account. Where I was a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had received {$11000.00} from my XXXX XXXX and they said the money was too much to be deposited in one month they need verification ID I did give my state XXXX card and ssn but they refused to give my balance money on the account thats why Im having you involved to get my funds out they have about XXXX on the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Block, Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I opened an account to collect cards from my clients for my services, supposedly with Square, if I requested a card I would have the money available the same day, the client showed me his bank account where Square already collected the money but it has been several days and they have not deposited my money and they blocked all my accounts and I no longer have access to anything or talk to them.

Company response to consumer: Closed with explanation