BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-31
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Yeah, I'm reaching out because of the issue. I'm having with Chine I got money from an insurance claim because part of my house burned down. OK now I had to Yeah, I'm reaching out because of the issue. I'm having with Chine I got money from a insurance claim because part of my house burned down. OK now I had to directly deposited in the chime because I don't have an actual bank account, but I ended up getting one after I got some money. Well me and my fianc had to make a bunch of big purchases to get back to things we lost long story short they locked my account. I have sent him everything that is needed pictures and pictures of my ID and a bill that's in my name pictures of my chime card. Emails of the XXXX XXXX and it's been like two months and every time I contact the supervisor they say the same thing there's nothing they can do they have to send it to somewhere else and they keep sending me the same email saying that the proof I sent them is not sufficient but they won't tell me what I need to change or do different I can't talk to nobody that knows and I'm about to get kicked out of my house and I got XXXX kids to feed and they got all my money for bills locked up. I don't know what to do thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
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: Account status incorrect

Complaint:
Ive contact your office along with all three credit bureaus Trans Union, XXXX  and XXXX  about the account named XXXX. On or around XX/XX/2021 it was removed from XXXX  and XXXX  but so some reason Trans Union is still reporting incorrect information which is in direct violation of the 15 USC 1692. Trans Union also keeps contacting me via post card stating person statements about my request to dispute this information which again is direct violation to 15 USC 1692 validating my right to privacy. 

Please have this item removed from credit report and also put them on notice that they are violating my right to privacy by sending post cards stating any of our business for whom ever hands and eyes can see and touch. 

also they are giving me hard removing name and addresses and employers that do not belong to be listed below 1. XXXX XXXX 2. employer ; XXXX  XXXX XXXX 3. employer : self employed

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 2019-06-05
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: Credit inquiries on your report that you don't recognize

Complaint:
THE INQUIRIES DISPUTED DOES NOT BELONG TO ME, I AM UNAWARE OF THE INQUIRIES THAT WERE PLACED ON MY CREDIT, I DID NOT GIVE ANY AUTHORIZATION TO THOSE COMPANIES THATS ON MY CREDIT FILE.

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 2018-12-25
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: Public record information inaccurate

Complaint:
I filed a chapter XXXX bankruptcy in XX/XX/2008. I had interest in an XXXX at the time. I disclosed this information in my original filing. The Court erroneously filed my chapter XXXX bankruptcy without including that information. The court dismissed the original bankruptcy filing, and then refiled the case under a different case number to add my interest in the XXXX instead of amending the original filing. My credit report shows I have two bankruptcies filed in XX/XX/2008. I have contacted the credit reporting agencies to have the erroneous filing removed, and provided proof from the court of their error but they refuse to remove the erroneous filing 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 explanation
Consumer complaint received 2019-06-05
Company: CITIBANK, N.A.
State: NC
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:
Issue : There was a fraudulent hard inquiry on my credit report from LL Bean Mastercard and my main address was changed to a fraudulent address. 

Action Steps : 1. XX/XX/XXXX - I called XXXX  to inform them of the fraud, they said you need to request a letter from LL Bean Mastercard that it was a fraud and they will remove the inquiry and address. I called LL Bean Mastercard for the fraud, they sent a letter to XXXX to remove the inquiry. 
2. XX/XX/XXXX - I called to follow up, XXXX  received the letter by mail and by fax, but now they need a formal dispute to be filed for the inquiry to be removed 3. XX/XX/XXXX - I submit the formal dispute, LL Bean Mastercard sends another letter stating the inquiry should be removed because it was their error, but XXXX   now says, you need to have LL Bean  Mastercard call the XXXX   department to remove the inquiry. I called LLBean and they said they do not have a group that does calls because it is unreasonable for them to call every agency for every credit issue - they sent another letter 4. XX/XX/XXXX - XXXX  will not remove the hard inquiry and I am frustrated that XXXX is the ONLY agency who is making it impossible to remove the hard inquiry. 

I can send all documents requested.

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 2020-12-09
Company: EQUIFAX, INC.
State: NC
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:
I have inquiries that I did not authorize and one late payment that is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
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: Credit inquiries on your report that you don't recognize

Complaint:
Credit checks were conducted against my credit file by XXXX as listed in the below complaints to CFPB. I want to be sure that the credit reporting bureaus are not listing credit checks from XXXX ( or its partners XXXX on my credit file. I have no service in my name with XXXX. I never authorized them to check my credit. 

CFPB Complaint # XXXX : XXXX ( XXXX XXXX XXXX ) CFPB Complaint # XXXX : XXXX ( XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: EQUIFAX, INC.
State: MS
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:
Equifax and XXXX are incorrectly reporting me as an Authorized User on XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) I called and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX   however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: OPTUM BANK, INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I hold my FSA account with Optum Financial. I submitted a claim under my XXXX and XXXX XXXX account on XX/XX/XXXX for reimbursement. The customer support department continue to re route to different departments or try to ignore the requests than helping me resolve the reimbursement request. I held {$86.00} in my account which can be claimed if I submit the claim by XX/XX/XXXX which I did on time but still Optum Financial is not able to fix the issue and have displayed " Processing reimbursement, sent if future funds received '' although funds are present in my account. 

After my multiple requests to call them and wait for hours and speak to different representatives they're still not able to resolve this. Today is XX/XX/XXXX and they've forfeitured " - {$86.00} '' for no reason although I've a claim still to be processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: BANK OZK
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good morning, I'm writing to you because in 4 months my bank has charge me XXXX to XXXX fees causing me to be unable to pay my bills as arranged and cause g bad credit status for me I'm getting XXXX but with these fees I am destroying my credit how can I stop this I have opened a new bank account now I need social security to complete the direct deposit update can you help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: ENCORE CAPITAL GROUP INC.
State: NC
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:
I had a collection account with Midland Credit Management, regarding an old credit card balance for {$2200.00} from XXXX XXXX XXXX. Midland told me that if I paid them {$1000.00} to settle the account, they would take the account off of my report. They said that they could completely delete the account, because it was over 3 years old. I  sent {$1000.00} to Midland through XXXX XXXX on XX/XX/XXXX. As of today, not only is Midland still reporting the account on my credit file, but they are also reporting that I still have an outstanding balance of {$1200.00} owed. This is in complete contrast to what they told me what would happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) I called and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

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 2020-09-23
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
9 months ago I had to place a temporary freeze on my credit with Equifax. 

2 months ago I tried to lift the freeze. Equifax requested a copy of my social security card, but since they were obviously based outside the US I said I would not be sending that information. They said I could send my driver 's license instead. 

2 weeks later I received a letter stating that my credit was still on freeze until they received additional info. They said I could send a paystub. I called and they confirmed I do not need to send my driver 's license since they already have that information. I sent my paystub via fax as requested. 

2 weeks later I received a letter in the mail stating that my credit was still on freeze until they received my driver 's license. 

This appears to be an endless loop in which they continue to hold a freeze on my credit. 

I have tried calling but they will not help me until they receive a copy of my social security card, which I will not send to an overseas call-center. 

How do I get help with this situation? 

The last person I spoke with at Equifax was named XXXX but they would not disclose any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19
Company: Experian Information Solutions Inc.
State: TN
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:
Ive been a victim of identity theft

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 2020-11-28
Company: SYNCHRONY FINANCIAL
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:
I have 3 hard inquiries on my credit report from Syncb/Lowes on XX/XX/XXXX Syncb on XX/XX/XXXX and Syncb on XX/XX/XXXX. 
I have not made any of those requests of any kind of credit from this company I have disputed with them before and they did nothing I believe it may have my Ex boyfriend who has my information or someone else I can only be certain that its not me. I would like you to have these inquiries 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 2021-07-19
Company: EQUIFAX, 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:
Ive contacting the credit bureaus XXXX, Equifax and XXXX XXXX for a long time now about the account named XXXX. I have contacted XXXX personally asked for validation of the account they are reporting to the credit bureaus. On or around XX/XX/2021 this account was removed from my XXXX XXXX account for lack of verification but for some reason XXXX  and Equifax repot keep lying stated that they have open an investigation but they don't give me any information far proof of what company XXXX has given them that's validated proof clearly this direct violation of 15 USC 1692 and should be handle immediately. 

Also Equifax has responded to my complaint via post card this also a direct violation of my right to privacy stated in 15 USC 1692.

there are also hard injuries that I have called Equifax about in which they lie and act like they don't have information to verify me on file. 

they won't remove address, names and hard inquiries that do not belong to be I will list them below. 

XXXX  had no problem most address but they too will not remove an address that does not belong to me attached is proof of the incorrect information and proof of my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: EQUIFAX, INC.
State: KY
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:
This is to inform that XXXX XXXX and Equifax have violated my consumer rights and now are civilly and criminally liable for their violations on my consumer report. They have failed to notify or input a notice to dispute on my consumer report within a 30 day time frame for the accounts that i am disputing. Also, because they are reporting inaccurate information on my consumer reports and Consumer reports are suppose to be 100 % accurate across all 3 bureaus. The letters were received on XX/XX/2021 and it is now XX/XX/2021 and I have not received and correspondence for these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Paramount Capital Group, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am complaining about Paramount Capital Group. They reported late payment on my credit report consistently even when I told them that I am in dispute with the school on the amount since I withdrew from school and their action single-handedly destroyed my credit report, lowered my credit score to the point that at the moment everything I am trying to do to get ahead in my life after a family event of my my wife getting sick and I had to even resign my job to primarily care for her is impossible. Before them my credit score was about 680 and they by their action reduced my credit score to about 520.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: EQUIFAX, INC.
State: AR
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:
Someone opened this account without my knowledge using my personal. This account is FRAUD & I want this deleted from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I thought I paid off my amount on a credit card back in XXXX. I never recieved any mail stating I still owed for this card. I got a letter from a debt collector and they are stating I owe {$660.00} from the closed account. I never knew this account was closed or still had a balance. I checked the amount and on XXXX, XXXX XXXX and the account states that I owe {$660.00}. I do not understand where they are getting the extra 33 cents and I mailed a letter to dispute it as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Grow Credit 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:
Ive Asked XXXX, XXXX XXXX, and also XXXX, to do a verification on my credit report and theyve stated that everything was accurate And Verified. 
Ive seemed un ease with these responses and Ive had to do my own investigation and research towards my credit report. 
While investigating Ive found thorough inaccurate and inconsistencys that are being reported even though Ive asked these companies for a proper and accurate research. Ive Called Each Company And Mailed A Letter For A Valid Response For These Inconsistencies Ive Also Mailed Letters For This. 
For Accounts : XXXX XXXXXXXX XXXX XXXX Account XXXX Company Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX Company Name : XXXX XXXX XXXX XXXX  Account XXXX Company Name : XXXX XXXX Account XXXX Company Name : XXXX XXXX GROW CREDIT, INC. 
Account XXXX Grow Credit XXXX  Account XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX XXXX, XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Synovus Bank
State: NC
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:
First Progress Card was sent a letter of dispute. After review of my credit reports, First Progress Card has not marked my account as disputed as required by the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: Santander Consumer USA 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: Account status incorrect

Complaint:
I had a car loan with XXXX bank that I paid off completely due to an accident. Santander bank is reporting to the credit bureau that my account is a charge off account and that is incorrect. I have contacted both the credit bureau and santander bank and this has not been corrected. I received this loan around XXXX. When I called santander bank I was told that since my account went 90 days past due that the bank considered the account charged off despite the fact that I brought the account back into good standing and was making monthly regular payments on time.

Company response to consumer: Closed with explanation