BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-04
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX someone stole my debit card information and used it to buy several day passes to a fair in XXXX XXXX Massachusetts. I was on a flight from AZ to WA at the time the transaction happened without access to the internet so it could not have been me. Also, why would I buy day passes to a fair on the other side of the country? It makes no sense. I filed a claim with my bank, canceled my compromised card and change my account information to prevent this from happening again. Chime ( the bank I am using ) gave me a credit for the amount that was stole from me for {$200.00} three days later on XX/XX/XXXX. On XX/XX/XXXX I was informed that Chime had done an investigation on the claim and found " no error occurred '' so they denied my claim. When I called them to ask why they denied my claim and what I can do to appeal, I was told no one could tell me the reason they denied my claim. They said they can send me the " evidence '' they used to come to this conclusion in 10 days. After they have already removed the money from my account. When I asked to speak with the investigation team I was told I could not do that. No one reached out to me during the investigation process either. I am the epicenter of the entire issue and no one from my bank has spoken to me. I was told I could appeal the claim and provide evidence I was not the person who made this purchase. I sent them screenshots of my plane ticket that clearly show the flight times proving I was in the air at the time the card was used. I also had to contact the merchant because they did not. I got a copy of the transaction and sent that to them as well where you can clearly see the phone number and email address are not mine nor have they ever been registered to me. I also filed a complain with the cyber crimes division of the FBI for the crime committed against me and sent a copy of that to them as well. They denied my claim three times yesterday even after being provided with this evidence and they still have not given me a reason as to why. They will be removing this credit of {$200.00} from my account on XX/XX/XXXX despite still not giving me a reason why. The worst part is no one at the company is even willing to speak or discuss this with me. All they tell you is " I don't work in the investigations department so I don't know. '' But they don't let you talk to the investigation department or ANYONE at the company that could help explain why this is happening. I am not the first person this has happened to either. There are hundreds if not thousands of these exact stories online of Chime denying claims with clear and precise evidence to prove someone else used their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
It appears XXXX XXXX the man acting as CEO of RESURGENT CAPITAL SERVICES obtained this account by way of material misrepresentation, fraud, and Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and California Penal Code 530.5 PC as XXXX XXXXXXXX XXXX XXXXXXXX XXXX did not legally obtain consent to sale, transfer or disclose any account information with RESURGENT CAPITAL SERVICES company or any other third party ; Additionally, XXXX XXXX XXXX failed to provide the consumer with FULL disclosure regarding their intent to do so. Failure to provide FULL disclosure of material information constitutes unfair methods of competition and unfair and deceptive acts of FRAUD. RESURGENT CAPITAL SERVICES or any other of the company names they try to use DOES NOT HAVE A CONTRACT WITH ME. 

XXXX XXXX and RESURGENT CAPITAL SERVICES was sent a AFFIDAVIT OF TRUTH CEASE AND DESIST on XX/XX/2022, and the UNITED STATES POSTAL SERVICES confirmed the Respondent received the above mentioned notice on XX/XX/2022, at XXXX XXXX  to which XXXX XXXX and RESURGENT CAPITAL SERVICES did not cease and desist and the AFFIDAVIT OF TRUTH CEASE AND DESIST still remains unrebutted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of 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 non-monetary relief
Consumer complaint received 2023-02-16
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Dear Consumer Finance Protection Bureau, I am writing to file a complaint regarding inaccurate information on my credit report that is the result of identity theft. On XX/XX/2023, I submitted a dispute to all three major consumer credit reporting Agencies for the second time regarding this information. As of today 's date, I have not received a response from the credit reporting agency, even though they are required to investigate and respond to disputes within 30 days, as outlined in Section 605B of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I believe that the credit reporting agency did not have written instructions from the creditor to report the information in the first place, and therefore the information is not only inaccurate but also should not have been reported. The credit reporting agency 's failure to properly investigate and correct or remove this inaccurate information is a violation of Section 611 ( a ) ( 5 ) ( A ) of the FCRA, which requires that the agency investigate and correct or remove inaccurate information within 30 days of receiving a dispute from a consumer. 

In addition to the above violations, I believe that the credit reporting agency 's inaccurate reporting of my personal and financial information is also a violation of my right to privacy. The inaccurate information on my credit report has the potential to negatively impact my ability to obtain credit, housing, and employment, and could lead to further identity theft and fraud. 

Furthermore, I believe that the credit reporting agency 's reporting of this fraudulent information is in and of itself an act of identity theft, as they are knowingly reporting false information about me to potential creditors, which can harm my creditworthiness and financial wellbeing. 

Given that the credit reporting agency failed to respond to my initial dispute within 30 days, I am now filing a brief statement under Section 611 ( a ) ( 5 ) ( A ) that describes the nature of the dispute.

I am requesting that the credit reporting agency promptly investigate and correct or remove the inaccurate information from my credit report, as required by law. I am also requesting that the CFPB take appropriate action to ensure that the credit reporting agency complies with all provisions of the FCRA, including protecting my right to privacy and preventing the reporting of false information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Experian Information Solutions Inc.
State: NY
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:
This is XXXX XXXX XXXX and not a credit repair company -Bankruptcy chapter XXXX XXXX U.S. Bankruptcy Court XX/XX/XXXX -Bankruptcy chapter XXXX XXXX us bankruptcy court XX/XX/XXXX, I have asked more than 3x for a response as to how this information was verified and whom did they speak to? I have submitted proof from the Us Babkruptcy court stating they do not furnish bankruptcy, judgments or liens to the credit bureaus. The FCRA states " I have the right to a complete and accurate credit report, and any errors must be deleted. 
I have exhausted my options with no result. 

-Original creditor XXXX XX/XX/XXXX {$170.00}, The fcra states I have the right to a accurate and complete credit report. This account on my credit report is inaccurate and has incomplete information as to whom the creditor is, which makes this account inaccurate. I have demanded that this account be removed from my credit report because it has caused unwanted derogatory marks, causing my creditor score to be lower. 

-XXXX  XXXX XXXX XXXX XX/XX/XXXX This account has reported inaccuracies and i demanded it be deleted. The open dates has XX/XX/XXXX XXXX, XX/XX/XXXX experian, XX/XX/XXXX XXXX which shows different opening dates which are inaccurate, XXXX reports no data for the history of payments, Experian reports the account being charged off, XXXX reports the account as OK. There can not be 3 different reports for the same account. The reporting data has must to match to be accurate. Thus making this account inaccurate and I demand that this be deleted. 

XXXX XXXX  XXXX XX/XX/XXXX this account is reporting inaccurate date to my credit report and causing derogatory marks, which in turn is lowering my credit score. 
You are report my account as charged off. XXXX is reporting this account with no data. Experian is reporting as charged- off and XXXX  is reporting as OK. All 3 credit bureaus must rert accurate data. XXXX, experian and XXXX can not report different payment data. It has to match. The date of last activity is different from XXXX  XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/XXXX. The correct opening date can not be determined because it does not match, therefore this is inaccurate. I demand that it be removed from 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 non-monetary relief
Consumer complaint received 2023-01-01
Company: HYUNDAI CAPITAL AMERICA
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Once again Kia Finance of America is at fault for messing up my account for the second time. I refinanced my loan with another company to get away from this terrible company. On XX/XX/2022, I called to check on the status of my overpayment check in the amount of {$1000.00}. The representative told me the check was NOT sent to my address, instead it was sent to Colorado! I DO NOT live in Colorado, I LIVE in Ohio! They have to complete a stop payment on the check to reissue it to me to my correct address. Due to this error, I am in a financial hardship!!! This company keep making errors on my account and not taking the fault for it which is effecting me! Please expedite my check!! Ive been waiting since XX/XX/2022 for this check!

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 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 submitted multiple times to Tranusunion to remove multiple accounts and unauthorized inquires that are not mine to my knowledge and a result of fraud. I've sent debt validation nothing was validate. When disputed with Trasunion it was confirm valid but no proof was shown. Ive faxed and mailed out via certified mail a FTC report and also a police report and Transunion failed to follow suit as other credit reporting agency has done so. I need XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX and inquires XXXX XXXX XXXX XXXX, XXXX BANK 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 FINACIAL removed from my credit report or send debt validation of these accounts with my signature.

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 2021-06-10
Company: T.S. Holdings
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On my birthday XX/XX/XXXX I received the first phone call from IQ Data International located in XXXX, XXXX where I had lived until XX/XX/XXXX. I was informed they were collecting a debt for about {$190.00} for XXXX XXXX XXXX where I had lived until last XXXX. They told me this company had sent me a letter advising me of the charges around XX/XX/XXXX but I never received any such letter at the forwarding address I had given with my notice to vacate. Plus, I dispute the charges. The charges are for {$88.00} in back rent and {$100.00} for cleaning. I was given what I owed when I gave my 30-day notice to vacate and that is what I paid and I moved out on time and returned all keys. I cleaned my apartment and the manager refused to do a walk through inspection even though I made myself available on two days. This collection agency states it said in my lease I would still be charged for cleaning which the complex does before reletting the apartment. I told them my lease only stated cleaning charges would be charged only if I had not cleaned my apartment. Any professional cleaning they decide to do later is on them. In addition, IQ Data International never sent me any written notification of this debt. They kept calling and threatened to ruin my credit. I asked for written notification of this debt over ten days ago and still have not received it. When I requested written notice of this debt they had to update my address in their system as provided to them from XXXX XXXX. XXXX had given their mailing address as my address to IQ Data! So, in essence they never sent me any writing about those charges. I contacted the property management XXXX XXXX in XXXX, XXXX and spoke with a XXXX about 3 times. The first two times she said she would provide my dispute to the regional manager there in her office and I would be called back. I never got a call. On my third call to XXXX she told me the regional manager had not provided a response and the charges still showed on my account. This all happened over a week 's time. I sent an email to the manager, a XXXX XXXX, at XXXX that showed I had filed a complaint with the Oklahoma Attorney General. She gave the usual excuse for not doing anything and that is that management there has changed since I vacated my apartment and that I could easily dispute the charges with the debt collector. Well, no. One can not easily dispute charges with IQ Data International. I did send a copy of my notice to vacate to the email address IQ Data gave me to dispute the charges. That was on XX/XX/XXXX. I have not received any reply on that either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
( b ) Opt out ( 1 ) In XXXX XXXX XXXX may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I WAS NEVER GIVEN THESE OPTIONS, NOW I WOULD KINDLY REQUEST THAT YOU REMOVE ANY LATE PAYMENTS REPORTED ON MY ACCOUNTS LISTED BELOW : BANK OF AMERICA, N.A.- 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 2022-10-07
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On my report from XXXX and XXXX its being fraudulently reported that i still have late payments on closed accounts this is illegal according to chp 15 USC 1681A a credit reporting agency can not report closed accounts as being late this is a violation of my consumer rights and I look to start litigation with NAVY FEDERAL, XXXX AND XXXX IF THESE ACCOUNTS ARE NOT REMOVED. THE COMPANIES IN QUESTION ARE XXXX XXXX WITH AN AMOUNT OF XXXX AND NAVY FEDERAL WITH AN AMOUNT OF XXXX AS OF XXXX, XXXX 2022 REMOVE IMMEDIETLY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Viking Client Services
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2021 I received correspondence from VIKING CLIENT SERVICES , LLC about a debt allegedly owed to them in the amount of {$310.00}. First and foremost, who does these people think they are to not only demand that I pay them but to report this alleged debt to the credit bureaus and ruing my reputation as a consumer? Who gave these people to report anything on me in the first place? I don't owe these people a damn thing and I've never done business with them a day in my life. I want this XXXX handled immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I need my bank statements from XX/XX/XXXX to XX/XX/XXXX ; I have been asking Banco Popular de Puerto Rico - where my account is from XXXX until now for this evidence ; and the answer is that they destroyed the information, that they only hold the last seven ( 7 ) years. That they charged {$10.00} dollar per page ; which is outrageous, but still I'm the one who needs the information. 

Please, help me!!! 

This a personal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-02-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Multiple times they hit me with over drafts fees and other fees that matchup to my funds or usage. Never gave a straight answer to the fees and closed my accounts and added some savings account without my knowledge.

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 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 received my dispute results from Transunion Credit Bureau, and it was not in compliance with the dispute request for the documents sent to them by XXXX XXXX XXXX XXXX in regards to the charge off loan.I have been asking for the documents and procedures used by Transunion to verify and validate this account. I specifically as for the documents provided by the creditor XXXX XXXX XXXX XXXX, and have not received them in the timely manner consistent with the FDCPA of 30 days this is my my second time asking for these documents and not received them. By law they must remove this account or update it as payed as agreed IMMEDIATELY. I am including the results sent to me by Transunion. My next step is to file a law suit against Transunion.

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