BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-23
Company: FlexPath Capital, Inc
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 opened a credit card on XX/XX/2017 for XXXX XXXX under Citibank ( XXXX ). The employee made a mistake and used the wrong person 's information but with my social so a credit card was opened in my name for the wrong person. When I contacted XXXX XXXX they cancelled the card as fraud and I reported it as fraud on my credit report. Then XXXX XXXX opened a new credit card account for me that was in my name. 

However, all 3 credit agencies were only showing the closed account. They were not showing the good standing account, which would increase my credit score if it showed. 

I opened an investigation with XXXX. Upon completing the investigation I received a letter in the mail saying they're no longer reporting the closed account and they're only reporting the good standing account to all 3 credit bureaus. Since then, XXXX  and XXXX  have removed the closed account and are showing the good account, just like I wanted. However, XXXX  is still showing the closed account only. When I called them to ask about this the representative I spoke with said he can see the good account from his end but I can't see from my online account because only employees have access. But, he said he's not sure what it would take to get that to show on my official report and remove the closed account so he transferred me to a supervisor. The supervisor then said what the previous representative told me is inaccurate, that he would be reprimanded for telling me he can see the good account, he doesn't see the good account and that they're only showing what XXXX is reporting them and I need to reach out to XXXX and there's nothing else they can do for me. 

So I'm at an impasse where XXXX has provided proof in a form of a written letter they're reporting it to all 3 agencies. Evidence of this is that both XXXX  and XXXX  reflect the change but Transunion does not and they claim there is nothing they can do. This is my last step before filing a lawsuit 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 explanation
Consumer complaint received 2020-08-23
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened Citi Priority Account Package around XX/XX/XXXX, which will give me {$700.00} bonus if I leave $ XXXX there for 60 days. It has been 5 months, but I still didn't receive my {$700.00} bonus. 
I put {$50000.00} in my saving and checking accounts since the day I opened the account, they promised me I'll get {$700.00} as long as $ XXXX is there for 60 days. I asked them why they didn't give my bonus after 60 days, they told me to wait patiently and the bonus will be in my account within 3 months. But I still didn't get that after 3 months. That's why I file this complaint. This is their official link for the bonus XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Experian Information Solutions Inc.
State: MN
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 account re-aged ; XX/XX/XXXX consumer credit report is reporting first delinquency XX/XX/XXXX, XX/XX/XXXX consumer credit report is reporting first delinquency XX/XX/XXXX. I've disputed the accuracy with credit reporting agencies with no success. I have attached copies of credit reports for both years.

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 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed a 30 day late payment that showed on my credit report that occurred in XXXX in 2018. My dispute was based on the fact that I made a payment by phone in XXXX of 2018, during this call I scheduled 2 minimum balance payment to occurr in XXXX and XXXX. The customer service rep instead applied all payment to XXXX ( XXXX was over paid ) and XXXX and XXXX was not paid at all.

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 2018-03-29
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: Information belongs to someone else

Complaint:
FRAUDULENT INFORMATION ON MY CREDIT REPORTS : US XXXX COURT-XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Finance XXXX XXXX XXXX Show Details XX/XX/XXXX Banking XXXX  Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Finance XXXX XXXX   XXXX Show Details XX/XX/XXXX Automotive XXXX   XXXX Show Details XX/XX/XXXX Banking XXXX   Show Details XX/XX/XXXX Automotive XXXX   Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX FI Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX XXXX XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Automotive XXXX XXXX Show Details XX/XX/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 2018-07-07
Company: Experian Information Solutions Inc.
State: NV
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:
This is my second request to remove this Bankruptcy from XXXX XXXX. From my credit report reported in XX/XX/XXXX. XXXX and Experian please remove or provide proof this is my debt. I have lived in XXXX XXXX  Nevada since XX/XX/XXXX. Here is my Nevada ID '' s from XX/XX/XXXX to XX/XX/XXXX .There is no way I lived in Alabama and XXXX XXXX at the same time. I am requesting again to please remove. This is indeed fraud.

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 2023-03-09
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I chose Chime Bank because they don't charge monthly fees and it's been ages since I've had to walk into a bank anyway. That's basically their only selling point. I don't think we are advanced enough as a society to get rid of brick-and-mortar banks just yet, sadly. 

Basic bank features provided by other banks are like pulling teeth with Chime. My main issue is a simple mobile check deposit. This has been going on for years actually. They turned it off sometime in XXXX and they always give me the same answer, they turned it off due to " certain risk factors. '' They never tell me what exactly the risk is or how to fix it, I basically just have to deal with it and use a check cashing service even though I have a valid checking and savings account and credit card with them. There's nothing they can do and they refuse to do anything. I spoke with a representative again today and he gave the same answer ( XX/XX/XXXX ). 

In response to that, I'm forced to use a check cashing app, XXXX XXXX, which isn't helpful either but it's basically my last resort. I am a XXXX  XXXX and XXXX XXXX  and both of my main employers still pay by check. My employer, XXXX XXXX XXXX XXXX XXXX uses XXXX XXXX XXXXXXXX to process my check stubs. He offered to send my money through another service, XXXX but they aren't compatible with Chime. He refuses to use XXXX XXXX, XXXX, or XXXX, which I have all of because of scams and risks to the company 's accounts. He's old school and it's a small business. 

XXXX XXXX unfortunately charges a fee to get my money immediately which is why I need Chime to turn on the mobile check deposit ASAP. They don't charge small amounts in cents, they take a pretty big percentage, up to {$25.00} worth for each check. I'm not exactly rolling in dough so I need every cent I earn. If I wanted to pay fees I wouldn't bother with Chime at all. If I don't want to pay a fee, I have to wait 10 days. Lately, XXXX XXXX has been giving me issues where checks I try to deposit decline or an error in the system makes me have to resubmit checks. This is making me nervous and delays my checks. 

On XX/XX/XXXX, I tried to deposit a check and it came back as declined. XXXX XXXX told me to try again. It declined again on XX/XX/XXXX. My employer called XXXX and they said that the check was paid out on the XXXX ... so where is it going!? This is too many ropes and hoops to jump through to do a simple thing. XXXX is still working on the issue as we speak and Chime refuses to do anything. If they could just turn on this important and basic bank feature I wouldn't have to go through this and I can get my money in time. 

Chime is owned by XXXX XXXX  I have made a complaint to them as well. I also contacted the Federal Reserve Consumer Help Center and they referred me to you and I hope this will be the last time I have to tell this story.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20
Company: WELLS FARGO & COMPANY
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 contacted Wells Fargo about a identity theft fraud of my information and seen somone opened up an account in my name and charged XXXX on a credit card. I had the account closed and a day later they re opened the account, changed the account number and sent a new credit card out with the previous balance still to pay. I called again and asked why they reopened the account because I have never associated myself with them and never will and they were confused on why it was re opened as well. Im frustrated trying to deal with this identity theft issue but if this continues I will sue them. I told them also the address on file was not mine. The XXXX XXXX XXXX XXXX on my credit report is the person who stole my identities address. Also XXXX XXXX opened a fraudulent account as well and told me the account would also be closed but has not been closed and its been a month. They opened an account and the account does not even have my name spelled correctly.

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 2018-04-20
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
i demanded that the following account be removed from my credit report : XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
I recently applied for cash advances/personal loans on many online platforms. I was contacted by a scammer posing to be from a company by the name of XXXX XXXX. The person said their name was XXXX XXXX, and went on to collect and confirm my bank information via phone. I was even provided with an email that confirmed that my loan had been processed. The sender 's email is ( XXXX ). After I hung up I went to check my account and my account was negative by XXXX dollars which far exceeded the amount in my account. My bank then proceeded to close my account.

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 monetary relief
Consumer complaint received 2019-01-28
Company: General Motors Financial Company, Inc.
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: Their investigation did not fix an error on your report

Complaint:
XXXX  has been non-compliant with removing the unverified account GMFNANCIAL Opened Date XX/XX/2015 which has been deleted by XXXX  and XXXX. XXXX and XXXX   have both completed their research and determined that GMFNANCIAL was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2019 approximately XXXX XXXX  I went into the dealership to assist a family member with co-signing for an auto loan. both myself and my relative had given them proof of income, driver license and other personal information. My relative didn't qualify to be on the loan due to credit challenges. The salesman then stated that I would be the sole owner and there was contract drafted I signed and we left the dealership with documents and the vehicle. On Monday, XX/XX/2019 the same salesman called me and stated that the deal didn't go through as expected and we would have to pay {$1000.00}. I was on the road returning home ( I live out of state ). I informed the salesman that I was no longer in town, my relative would have to return the vehicle to the dealership. I also asked why was a contract signed if we didn't have an approval? He then stated because the bank give the dealership a greenlight without a complete approval. 

More Importantly, sometime in XXXX of XX/XX/2019I receive an acceptance letter from Nissan Motor Corporation detailing the monthly amount and when the next payment would be due. I called the dealership to find out what was going on and no one returned my call. XXXX I then drove back out of state to talk to speak with the general manager and explained that somehow the salesman/dealership allowed my relative to sign another contract without my presence/knowledge. XX/XX/2019 The GM informed me that he will correct the situation and have the vehicle taken out of my name and into my relatives name. I never heard back from him, issue was never resolved and I called several times. I also called Nissan customer service number for them to mail a copy of the contract. The monthly amount is {$500.00} for 72 months. 

I have many dates/times of outgoing calls to both XXXX dealership/Nissan finance. 
I have also driven back and forth since XXXX until now ... I don't know what to do at this point, I'm exhausted. 
I called both the dealership and Nissan motor/finance numerous times spoken with several different representatives letting them know of the situation concerning this unauthorized sell, they gave me Nissan Motor Corporation Consumer number. I sent the consumer dept. a letter. No one has contacted me as of yet. this has been so stressful. May someone please give me some advice?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Below is the email I sent to XXXX my name and I am writing this email for the bad experience I had with a dealer and corporate customer service. I had issues with me vehicle XXXX XXXX XXXX XXXX and it was towed to the dealer XXXX XXXX when I spoke to them about the vehicle and getting a loaner I was advised I am not allowed to have a loaner since it was first time at this dealer. I was out of town when the vehicle had giving me issues. I spoke to the dealer the next day and was advised it was my transmission. I never had any issues before with my vehicle or indications. I spoke to XXXX the service advisor the next day about the issue he had an attitude for me asking questions as to what happened to the vehicle. I believe there other under lying issues as to why I was treated this way. I called corporate customer service the first rep was very nice in handling the situation and taking down my concerns and I received a call back from XXXX he advised nothing he can do, he showed no concern. I explained issues of the dealer he explained they are privately owned and I have to discuss with the general manager at the dealer. If your dealers are treating customers in this fashion I think it would be more of concern since they are the face of the company. My family has had several vehicles with the company, and was in the market for a new XXXX or XXXX  vehicle. My brother has been a XXXX supporter. I had advised friends to purchase vehicles and they have. So this experience here has left a very feeling of the company and the brand. I know my vehicle was not having transmission issues and for it to just fail is shocking. I expected more but received left. I believe there is some unfair and deceptive practices going on. I am considering a CFPB complaint I believe I am being mis treated compared to other customers. My contact information is email This began XX/XX/18 through XX/XX/18 Thanks I know the company could have assisted me with issue in reference to the vehicle. I have worked for the company and seen the company pick and choose who they decide to help when they want to. It is not fair standard across the board they have policies but they still pick and choose who they decide and not to help. This is a on going issue with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: SYNCHRONY FINANCIAL
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:
I had one and only one item on my credit report which was already taken care of. My score should have improved. But SyncB inquired on my credit without me knowing and because of them my score dropped from the 520s straight to XXXX! Please help me put a stop to these idiots as I am definitely NOT THE FIRST person who's credit score they've ruined with their sneaky XXXX. Please help me. Thank you.

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 2021-05-02
Company: Total Card, Inc.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX CHARGED OFF DUE TO COVID 19. THEY SOLD MY DEBT TO XXXX PARTY COLLECTIONS WITH NOTICATION TO CONSUMER AS REQUIRED BY LAW. AND ARE STILL REPORTING ON MY XXXX CREDIT REPORTS.THEY SOLD XXXX XXXX TO XXXX XXXX XXXX XXXX AND XXXXT XXXXXXXX XXXX XXXX XXXX THESE APPREAR TO BE INSURANCE PROTECTION COVERAGES GUARANTEED MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: PRESTIGE FINANCIAL SERVICES INC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My husband & I purchased a vehicle through Prestige Financial. We were told that our interest rate would decrease as we paid the payment on time. Never once did we see a decrease. Once my health declined the note would be paid, but sometimes late. Prestige would call everyone listed on our account as a reference & tell them that our car is being repossessed! An absolute lie! They have contacted my landlord whom is NOT & NEVER has been listed as a reference! These people harasses & threaten customers to no end! This is uncouth & subject customers to become the object of ridicule! I have attached a few similar complaints from different customers. This company is referred to people going through hard times. These people only make life situations worse. They belittle customers & talk down upon them. Every customer service representative including the manger, has been extremely rude. This needs to be investigated & put to a stop!

Company response to consumer: Closed with explanation