BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-13
Company: Chime Financial Inc
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The first thing that happened was that I had got a notification from a website that I won a tablet so I felt out the application for it and a little bit later I decided to check my chime account and it showed me that something was pending for XXXX $ and that wasn't from me. So then I decided to call chime and they told me that they were going to do a dispute and to cancel/ get a new card. And then I called XXXX and they told me to call chime back to let them know that there was nothing that they can do because it was authorized. When I didn't do that because I don't even have a XXXX account. So then I called chime back that's when they said that they closed the dispute and they didn't even investigate nothing, then they told them if I get anymore proof call them back, then some someone tried to order more stuff on Wednesday at XXXX pm for something called XXXX, then on something called XXXX on Saturday at XXXX, so I called chime and told them about it and they told me to cancel my other card and to dispute it, and then with all those disputes they closed them all without checking into it, they told me that it was enough to reopen the claim, until I got a message saying that they weren't going to reopen it, they have told me to do a police report which I couldn't do because they weren't trying to get what the officer was saying to them so there was nothing he could even do, sense I had chime my money has been getting stoled not only on this cards but on other cards kind of connected with chime, this has been happening for now over a year and I really need my money back because over a year ago something was charged for XXXX $ dollars, there's other stuff that I may not be aware of, if money that I may not be aware of because I thought my money was safe cause there's large amounts of money that I can't explain, my ssi goes there, I had problems with my tax return and my stimulus on XX/XX/XXXX in XXXX Friday XX/XX/XXXX of XXXX, Monday XXXX XXXX, Tuesday XX/XX/2021, XXXX XXXX and etc. 

I couldn't do a police report because they had closed the claim The officer name is Officer XXXX and his number is XXXX Then I called them back, they told me that they were opening the claim, and then a few minutes later I got a email saying that the claim was closed, my social security checks and IRS and stimulus is linked to chime. Please help me because nobody would

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a XXXX XXXX XXXX Bank account that is supposed to be helping my credit as it is a secured credit card instead it is hurting my credit. The account # for this XXXX there is a late payment on XX/XX/2020 that is marked for 30 days late however, I have never missed this payment and this is a secured credit card as in my own funds. I need this error fixed asap with the 3 credit bureaus and as my only card this severely hurts my car as it is not allowing me to be able to go for rental applications.

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 2020-05-25
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX store card issued by Synchrony Bank was closed with no notice written or otherwise in XX/XX/2020 in violation of current banking regulations

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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, Texas, XXXX XXXX XXXX XXXX Dear Transunion, I, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following item and the account was to be removed from my credit report by your bureau. It is showing inaccurate and still reporting negatively. According to the Fair Credit Reporting Act, legally the following incorrectly reporting items must be removed. I have already contacted the companies, and they did not have any of my information on file as an outstanding debt. 

The following items should be removed immediately : Party Owed : XXXX XXXX ( XXXX XXXX ) Type of Business : Debt Collection Account Number from Credit Report : XXXX I am disputing this claim due to having the aforementioned item deleted off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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've called Capital One Auto Financing. Asked if they could update and report my payments accurately as to I have made payments on my account and have not missed 6 months of payments. I've also made them aware of my hardship that I faced and was out of work on XXXX at the time. I called and let them know that I was waiting to receive my XXXX check in which Took longer then 3 months to get. I was told that my account would be ok and go just pay when I get my check from XXXX. I did that and they reported that I haven't made my payments. I was told they don't do goodwill letters but I would like to have these late payments off my report as to they are hurting me. I don't think I should be penalties for being XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: WELLS FARGO & COMPANY
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:
Wells Fargo Bank # XXXX Just learned that exgirlfriend put me on account as authorized user without my knowledge. It is now on my credit report and keeping me from aquiring a home for my XXXX children. The debt is not mine.

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 2023-06-23
Company: EQUIFAX, INC.
State: MA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17
Company: CIT BANK, NATIONAL ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
m being charged excessive fees by CIT Bank for equipment that should have been salvaged .... My name is XXXX XXXX my company is ( XXXX XXXX XXXX ) I have tried on several occasions to buyout my contract only to find that I am still Liable for the entire term after XXXX XXXX and XXXX XXXX told me there was no prepayment fee or penalty ... ... I have spoken to several other people throughout loan period and no resolution ... .Just the same inflated payoff ... .Contracts- XXXX and XXXX. I am trying to settle this amicably but just doesn't seem to happen. One Loan has been paid completely from which I was informed I owe an addition XXXX ... .I have all bank drafts and payments that exceed the original loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Good day. My names is XXXX XXXX and this is my second complaint in reference to my Capital One 360 Checking account. I sent your agency a complaint back in XX/XX/XXXX in reference to Capital One closing my without notice. I received an letter from Capital One on XX/XX/XXXX, from XXXX XXXX. in his letter he stated that he need to verify my ID and requested that I contact him. I called XXXX XXXX on XXXX ext XXXX and left plenty of messages but he has failed to return my call. Again Capital one continued to hold on to my money and has not communicated with me in reference to the account. I hereby request your assistance again with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Agent ID XXXX XXXX, failed to provide basic information after my identity was confirmed. All I wanted to know is what product at XXXX  caused my credit score to go down. when the agent failed to provide the information, i asked to be transferred to a manager. the again failed to get me to a manager and i could hear the background sounds in the call center. I was able to hear other clients information which is illegal as there was no consent to have their information shared with me a 3rd party listener. I was able to hear multiple address with client names and sin numbers while on " hold '' which is very dangerous as now the account information of those people are now compromised. I worry about my own information now being compromised as this should never happen. After my 2nd call back, agent XXXX XXXX failed to transfer to a manager and the agent before him said i would have to schedule an appoint for a manager. It seems to me like this call center has representatives that are not trained properly and are highly unprofessional. I fear that scammers will be easily able to get information with the lack or customer service skills. not to mention this is one of 2 credit bureaus which needs to taken more seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX, as well as other credit reporting agencies, is obligated by the FCRA to report accurate accounting. As the consumer, Ive stated this account has been reporting inaccurately and fraudulently. XXXX labels this alleged debt as a Charge-off, which is income according to the IRS. Its specifically against the law for any credit reporting agency to report income on a consumer file/report. 
Also, the XXXX XXXX is liable under the SEC to follow certain rules. XXXX XXXX file number XXXX .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX. Since this is an alleged charge-off, I will be filing form 211 treasury forms to audit this account, as the consumers account. 
XXXX, as well as Transunion and XXXX are securitizing consumers data yet refuse to provide me, the consumer a copy of the CONSUMER FILE and NOT CONSUMER REPORT. 

Check the photos as well as letter attatched

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 2020-07-06
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have email over 50 times every time about a new issue, fist it was the car almost XXXX me on a 25 mile drive from a defective XXXX XXXX computer issue, then it was the wheel and tire insurance cancellation that never got applied to my account, then it was hacking my phone ( or more like anything and every device I own connected to the internet ) which they are currently still doing, and now it is billing issues my account is almost completely paid off ( less then 400 left ) the automated phone system say my title was sent the XXXX of XX/XX/2020 but since when u purchase a vehicle you sign a waiver of power of attorney they took my title and are now saying I owe more. I have proof they are somehow making my dmv mail go directly to them too. I asked for a dmv pic fee refund for a different car I cancelled and the dmv approved it but when it was sent to me it was a new check from my dealership stating they had recieved it And they used it to pay my title fees because they don't relized that I know the had previously asked for over 2 refunds for the title and taxes and reinciated the purchase without my knowledge at the time atlast two times I know because I smelt something fishie so i went to the local police dept and ever time I went they confirmed its license plates had been once again reinstalled with a new number. When I finally recieved some plates inside the paperwork stated " sent to the our business partners Hyundai XXXX XXXX '' well the new check said we over charged you here 's what we owe you.. they had the malicious nerve to send me a {$1.00} check and then not apply the rest to the balace of it to my loan a {$250.00} tip maybe they took it as idk where these people logic came from but the dealership is super currupt they put me in 3 cars in 6 months that when I fina ) y got into one I wanted to keep they turned around and went out of their way to give me a car they had fixed because something happened to it with intent that I would never find out .... Well guess what I did. So they maliciously gave me a undisclosed damaged " new '' car for way too much and when I confronted the owner he gave me a written gureentee that it wasn't true even know you can clearly see the car is lopsided I fixed the electrical issues by myself but any somewhat detail oriented person can clearly see that atleast the driver door front wheel panel and maybe the whole or atleast the part above the driver has been replaced, also they vin isn't correct. I found stickers inside the engine compartment with different vin 's then the one visible in the cab or driver door or on the labels on all the exterior of the car.

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 2023-01-06
Company: EQUIFAX, INC.
State: AR
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to remove the following items off my Credit File as soon as possible : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX Balance {$5000.00} Opened XXXX. XXXX, XXXX XXXX XXXX XXXX Balance {$1700.00} Opened XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX / XXXX XXXX Balance {$0.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1200.00} Opened XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX. I have read that under the Fair Credit Reporting Act Section 605b, the Credit Reporting Agencies, YOU, are required to remove any accounts and information that resulted due to identity theft. Please comply with the law and have the disputed accounts and information off my Credit File as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I used venmo to receive payments from a client totaling {$1200.00} the service then held the money I received chronicling an absolutely absurd excuse of security for holding my money. They had me verify the acct which I did immediately. I was then informed that my funds would be held i true acct for 180 days. This is not acceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received about XXXX in my account from unemployment, Louisiana Workforce Commission. Chime then froze my account with about XXXX left in there. Stating I broke an agreement. I contacted them and stayed if I broke an agreement send my money back to Louisiana Workforce, which they claimed was done. I spoke with Louisiana Workforce and they stated it was never done. So now chime bank believes they should keep my taxes money I never received. I sent them a copy of my I'd, a selfie, birth certificate and my paper work from unemployment. They are still trying to keep my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, 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:
Equifax has multiple accounts and inquiries on my report that Ive never made. My attorney mailed letters about it. Nothings been done. I filed a claim for the equifax breach and was told to give you my information to help get this stuff off my report and put on whoevers account it belongs toXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 100s of inquiries that I dont even know where or who they are. Nobody has answers as to how or who is using my information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2021, I receive alert from of 3 big credit report Transunion, XXXX and XXXX about some of that company inquire my full credit report. 
I don't have idea about this company I never asking nothing, now the 3-report company 's refuse to be removed this inquire from credit report make a big problem for me bcs take like more the 2 years to remove from my credit report, damage my record. 
The company ask for my credit report was : 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