BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-02
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I purchased a cell phone on the XXXX by XXXX  website for {$94.00} including activation and first months service. I am a new customer and I do not have an existing phone number or account with XXXX. The order seemed to go through but I was given no order number or confirmation email. The money was debited from my account with Chime and it said pending. My phone was due to arrive within 2 days. This would be Friday XX/XX/2023. I waited until Friday and called XXXX and they could not help me without order number. After several attempts I was able to speak with someone in shipping and they said they had tracked down my order by the info I gave them. I was told my phone would ship in the next 48 hours making that a Monday arrival. Monday came and no phone. Accirding to my bank account the transaction was still pending, so obviously my phone was not shipped because it was still pending. To make a long story short I spoke with XXXX, they again couldn't find any order or even my card number in their system and urged me to contact my bank ( Chime ). I contacted bank told them there was no record of the transaction and I wanted my money so I could do the order over. They said there was nothing they could do since the transaction was still pending. They were unwilling to file a dispute and did not credit my account because it was still pending. I needed that phone on Friday at the latest and informed them that they needed to release my money. They blamed XXXX and told me XXXX had to release the funds, and XXXX told me they did not have the funds. So now it's been 7 days, 5 business days and the transaction still says pending and I've lost more money without a reliable working phone. Chime won't even contact XXXX and investigate, which is supposed to be their job. So I've been out XXXX : dollars for a week now and no one at either of those companies gives a XXXX and I'm low income and don't have another XXXX dollars to redo the order. I was supposed to get a response via email and neither company has done so and both are at fault in my opinion..I did nothing wrong. I was trying to order a new phone and service that was reliable and I used my chime card and now my money is in space, limbo,? These two companies have XXXX XXXX, and neither one cares.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: ACQ Holdings, LLC.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
First of all this company will not quit harassing me for payment on loan that i never applied for in the first place, second never recieved, and third they can not provide proof of any of the above. In fact when confronted about this, they stated that they deposited the loan into XXXX XXXX XXXX. Which I'm sorry we all know that's fradualant talk in the first place weather it be on their part, or the ignoramus that took that down as being a bank and issued a loan for someone in my names fraudulently. I can assure you that no such loan for the disclosed amount was ever deposited into my account and I can and will provide proof of that. Either way they have no means of accessing my account in any way. This harassment has got to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: EQUIFAX, 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:
There is an account on my credit profile from XXXX XXXX XXXX  with the account number XXXX I have not received any goods or services from this company I have never done any business with this company. This company has illegally obtained my Nonpublic Personal Information per 15 U.S code 6802. For example my name, social security number, and date of birth. Only a signed contract between I, the consumer and XXXX XXXX XXXX would make me legally bonded to any debt that they may claim. I have never provided any wet signature or Nonpublic Personal Information to this company on any agreement.

Notice requirements Except as otherwise provided in this subchapter a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution 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.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: NV
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 XXXX XXXX XXXX Account number # 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 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 or 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 know 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 explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-09
Company: CORELOGIC INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been denied a rental unit due to an unsuccessful attempt to gain access to my credit report via XXXX, who asked me for further identification using unfair and unrelated questions. I have been applying and getting denied for an apartment due to inaccurate questions being asked of me for further identification purposes through XXXX. I applied for an apartment on XX/XX/XXXX at XXXX XXXX XXXX . in XXXX, CA who uses a company called CoreLogic ( Rental Property Solution ) to run credit reports through XXXX. I paid {$35.00} ( Twice ) and was told that I needed to further identify myself through a link sent to my email with questions that were supposed to pertain to myself, randomly selected and provided by XXXX. The questions I received did not pertain to me. For example, I was given a question asking to choose a phone number I am associated with, I either have never had these numbers or they are so old that it is unfair to ask me to remember them and then deny me when I don't. Another examples would be a question asking me to choose the person whos birthday falls on a particular date, not only did I have no association with the people listed in the multiple choice question, but it is unfair to assume that I would know their birthdays even if I had known them. I was charged twice for this service and two hard inquiries have been put on my report regardless of the fact that it was the same company and they said they were unable to run it due to inability to verify who I am. I am in desperate need to have this issue resolved, as I can not find a place to live if I am constantly denied due to unfair questions asked of me. My two-year old daughter and I are within weeks of being homeless due to this issue. I need these questions removed pertaining to people, phone numbers and any other information that does not pertain to me. Seeing as I do not know what questions I will be asked ahead of time, there is no way for me to inform you of which future questions I may be asked that will be incorrect or that I can not answer. I am requesting that XXXX provide my report to CoreLogic, as previously authorize, twice, and remove these questions that were asked of me so future inquiries will be process without delay. I would also like those two hard inquires from Rental Property Solution ( dated XX/XX/XXXX & XX/XX/XXXX ) taken off my report as it is unfair for my report to be impacted by an inquiry that could not be completed once, much less, the two times it is on my report from the same company, for the same reason. Thank you for your time and I look forward to a resolution.

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 2023-08-02
Company: Chime Financial Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I used chime as a starter account and then eventually went and got a regions account but I still use my chime also. After loosing my XXXX card and noticing strange transactions I cut the card off and requested a new one in the mail. Before I could receive my new card I noticed an additional charge to my XXXX  account so I moved all of my money from my XXXX  to my chime. The next day when trying to log in the I was notified that my account had been locked and I needed to contact support Wich I did. Support asked for numerous documents that I supplied and was told that the reason my account was flagged was because I exceeded the {$1000.00} transfer limit and after reviewing the documents and bank statements that the suspension was being removed off my account and I would receive a code via text within 24 hours that would uplift the hold. The code never came. I have been continuously attempting to get this solved but the chime support team who can handle this is only available by email and asks for the same documents repeatedly but never sending the code or unlocking the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Phoenix Financial Service is a debt collector for a Consumer called XXXX Hospital XXXX ( which is XXXX Hospital ). I had a debt in XX/XX/XXXX with XXXX XXXX for {$100.00} & {$41.00}. This debt was on my credit report. On XX/XX/XXXX I called Phoenix Financial at ph # XXXX which they agreed to give me a discount amount of {$73.00} to bring the balance to {$0.00} and erase it from my credit report per the representative. On XX/XX/XXXX I paid {$73.00} Confirmation # XXXX which made the account paid in full. On XX/XX/XXXX I received a credit alert to check my account immediately. Phoenix Financial had placed another debt on my credit for {$160.00} as of XX/XX/XXXX. I called Phoenix Financial at XXXX spoke to a representative by the name of XXXX or XXXX XXXX. i explained to this representative that i paid this debt in XX/XX/XXXX for a discounted amount of {$73.00}. Per the representative yes they did close that account as paid in full but they noticed another outstanding debt of {$160.00} from doctor XXXX or doctor XXXX on XX/XX/XXXX service rendered in an emergency room but he could not tell me the hospital name. I explained to the representative, there was no bill sent to my address and that isn't my doctor and wasn't seen by no doctor during that time. the representative said that i was treated for XXXX  in an emergency room but he couldn't tell me the name of the hospital. The bill that i paid this Debt collector Phoenix Financial for services rendered in XXXX with XXXX Hospital of {$73.00} was for XXXX. per my credit report, Phoenix Financial placed this debt of {$160.00} as late payment or no payment ( not sure what it was listed ) for the month of XX/XX/XXXX on my credit report. How can a debt owed in the same month ( XX/XX/XXXX ) is reported in the same month to the Credit Bureau? Phoenix Financial is reporting a debt on XX/XX/XXXX ( that a bill that was never sent to my address in XXXX but per the representative they mailed the bill in XX/XX/XXXX three or four years later ) but yet they showed the debt being delinquent in XX/XX/XXXX on my credit report. Isn't that against the law and is fraud. I called XXXX  Credit Bureau dispute center at ph # XXXX, per representative this debt will be removed since already paid. I asked the representative with XXXX how to prevent this Debt Collector from placing another bogus debt on my credit report? per XXXX representative, i need to file a complaint with the Federal Trade Commission. Can you please help me with resolving this issue and contact Phoenix Financial to inform them that this is fraudulent?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Paypal Holdings, Inc
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This is in response to XXXX. I was asked to respond however there was no link to upload documents there so I opted to file a new dispute so I could upload documents. 

While I appreciate paypal doing their job I would like it on the record that they are not doing me any favors as their letter indicates. While PayPal is giving themselves a parade in honor of their great charitable deeds, they did not earn it. 

Those funds were owed as per our agreement, not any other reason. I did not " receive communication which alluded to my unauthorized claim being granted, '' as they state. I also did not " receive communication which I believed indicated my claim was accepted and I was being reimbursed. '' I did in fact actually receive a communication whic stated my claim was accepted and that the claim was closed in my favor. I have a message here from PayPal that says quite clearly, " We closed the case in your favour. '' I received this message before PayPal changed their mind and decided not to close the case in my favor the very next day. I am attaching images of my conversation with PayPals support agents. I will include documents for your review because it is important to me that these sort of issues be on the record as they occured. I will not have my name slandered by PayPal nor will I commend them on doing their job the proper way when they should handle business as agreed. I expect an apology out of this. I also requested records written records of the chat transcripts both current and past that PayPal never did provide me with after my request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-06
Company: Early Warning Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX | XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a XXXX report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the account listed below. Your failure to positively verify this account has hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. I have disputed this in accurate report before have called XXXX XXXXXXXX XXXX over XXXX times and they simply say that account has been closed and we have no access to remove the report. I simply ask why is it being reported as Closed for fraud why? 
Please verify the following account or remove it immediately. 
XXXX XXXXXXXX XXXX Reported For : Fraudulent activity

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: EQUIFAX, INC.
State: OR
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:
XXXXXXXX XXXX XXXXXXXX have already removed a old debt that is over 7 years old but equafax will not

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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: Their investigation did not fix an error on your report

Complaint:
Equifax I was looking at my credit report and found this account still reporting on my credit report please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: Experian Information Solutions Inc.
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 got a copy of my credit report and wanted to dispute some accounts. I sent a letter to XXXX  disputing the bankruptcies on my report on XX/XX/2019. I was disputing them according to Section 609 ( a ) ( 1 ) ( A ) -XXXX is required by law to verify through the physical verification of the original signed consumer contract- any and all accounts they post on a credit report. They failed to provide Verifiable Proof ( as original Consumer Contract with my Signature on it ) Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed on the dispute. 

I received a response from XXXX on XX/XX/2019 stating that they verified all accounts and the items is being reporting correctly.. I did not agree so I sent a second letter to XXXX on XX/XX/2019 requesting they show proof, because they had not provided me a copy of ANY original documentations required under Section 609 ( a ) ( 1 ) ( A ) &  Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I got no response from them. So I sent them no response letter on XX/XX/2019 because it has been more than 30 days and I had not received a response. I received delivery confirmation that XXXX  received my letter on XX/XX/2019. In accordance with s.1629 ( 8 ) of the debt collection practices act, which clearly states that any information known to be false, can not be reported to any credit bureau. I requested that they immediately delete the disputed information from my credit report. 
I got a response on XX/XX/2019 from XXXX. They had removed only ONE of the bankruptcies off my credit report. I did not understand why only ONE of the bankruptcies was removed from report. SO I sent another letter to XXXX on XX/XX/2019 disputing this bankruptcy. I am now filing a complaint because XXXX should follow the law when reporting to items to people credit reports. I would like items to taken off my account immediately.

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 2019-09-09
Company: BARCLAYS BANK DELAWARE
State: NY
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 contacted the credit card company numerous times to please note that they are not accurately reporting my actual account and that they have duplicated accounts on my reports. This is impacting me severely as i am now in several job interviews and that question comes up that you have two accounts with the same company and one is satisfied and the other is shown as derogatory and they are for the same accounts. Please see the following : ECOA / WHOSE B / B BARCLAYSBK XXXX***** ACCT TYPE REV REPORTED XX/XX/XXXX HI CREDIT {$5400.00} PAYMENT {$0.00} 30 2 60 1 90+ 5 PAID CHGOFF SOURCE XXXX/XXXX/XXXX TERM - OPENED XX/XX/XXXX BALANCE {$0.00} PAST DUE {$0.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX MO REV 62 LAST LATE XX/XX/XXXX DLA XX/XX/XXXX CONSUMER DISPUTES AFTER RESOLUTION ; ACCOUNT PAID FOR LESS THAN FULL BALANCE ; PAID CHARGE OFF ; SUBSCRIBER REPORTS DISPUTE RESOLVED-CONSUMER DISAGREES EXPLANATION : OUTCOME : 005 ECOA / WHOSE B / B BARCLAYSBK XXXX***** ACCT TYPE REV REPORTED XX/XX/XXXX HI CREDIT {$5000.00} PAYMENT {$0.00} 30 1 60 1 90+ 4 CHARGE OFF SOURCE XXXX/XXXX/XXXX   TERM - OPENED XX/XX/XXXX BALANCE {$0.00} PAST DUE {$0.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX MO REV 99 LAST LATE XX/XX/XXXX DLA XX/XX/XXXX CONSUMER DISPUTES THIS ACCOUNT INFORMATION ; CONSUMER DISPUTES AFTER RESOLUTION ; CHARGED OFF ACCOUNT ; TRANSFER/SOLD ; SUBSCRIBER REPORTS DISPUTE RESOLVED-CONSUMER DISAGREES

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