BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-25
Company: Chime Financial Inc
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Ill let you review the attached images because I cant even anymore. My payment to XXXX was returned and XXXX got an error that the account was invalid. I confirmed with them and tried to re-enter my information, but got an error about the routing number being wrong. I have spent 7 days now with Chime Member Services responding with irrelevant answers that couldnt be further from helping answer my concern or even address it in the slightest, it feels like. I have gotten a different rep ( 6 different people I think ) every day and had to re-explain and STILL get an irrelevant answer. My Chime Visa Debit card was also linked to a separate external account through XXXX, which now shows an error message that they do not accept my bank, despite using the card many times through them before. Both XXXX and XXXX have directed me to reach out to the financial institution, who is trying to say its the fault of the external account servicer, which doesnt make sense since its more than one account. To make things worse, my Chime Credit Builder was suddenly disabled last night ( XX/XX/21 ) around XXXX Mountain, and Chime Member Services has now gone 24 hours without responding, though I doubt a response would benefit me at this point. Ive sent screenshots, Ive explained in the simplest words I could, and its not being heard or understood.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a 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. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the Experian and XXXX credit bureaus that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00} ; ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$610.00} ; XXXX 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 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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 2023-03-18
Company: Experian Information Solutions Inc.
State: FL
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX Balance : {$0.00}

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 2021-05-30
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
My account was locked Some how its was open when I never opened it someone run my credit and put a hard inquiry on credit reports

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 2023-03-18
Company: EQUIFAX, INC.
State: MO
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-09-21
Company: Self Financial Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Monday XX/XX/XXXX I put in a payment of {$500.00} to my self.inc secured credit card that was made at XXXX EST On XX/XX/XXXX. The total balance was {$540.00}. ( My credit limit is XXXX $ XXXX they allowed a car rental company to charge a fee from my rental from last month on the credit card when I had payed them using my debit card. Anyways I paid the XXXX $ last week on Monday night on Friday I noticed my credit limit was still saying that the balance was {$540.00} and that I had negative {$43.00} in credit I was alarmed so I called them up on Friday XX/XX/XXXX at XXXX EST. They stated that it would take 5 business days to confirm my payment to make sure it wasnt sent back from my bank XXXX and stated they had no way to validate my payment actually went through because they cant contact my bank. Then proceeded to tell me I shouldve paid using my debit card which would post right away and the credit would be restored instantly which charges a 3 % fee .... the customer service agent also stated that by Monday XX/XX/XXXX in the afternoon my credit limit would be restored back to the amount minus the XXXX XXXX Since he stated my payment would show up with a debit card right away I decided to pay the extra XXXX $ On self.inc website which I made XX/XX/XXXX to ensure it would stop saying Im over my credit limit from a charge I did not authorize to begin with but decided to pay because it was a toll charge from a car rental agency well on XX/XX/XXXX I woke up checked the account at XXXX EST and it still said balance was {$540.00} so I called their XXXX number and spoke to XXXX from self.inc who hung up on me when I was upset she stated my card was locked even though I made payments that it would be held for 7-10 business days until it unlocks. Well I told her thats unacceptable they took all my money for a payment and are still showing my account like theres a balance owed and no good reason for doing it I always pay off my full balance she then proceeded to say it wont be restored till Tuesday when I dont believe a single word they say now that their representatives have lied and are taking over a week to post a payment that came out of my account last Tuesday and made up some story for no reason to keep my credit locked from me being able to use my card and told me I could make a payment with my debit card and it would post right away and it did not and their customer service agent hung up on me because I was upset that she was saying different information her name was XXXX but the entire company seems very shaky with their business practices with customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: CITIBANK, N.A.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2023 Citibank sent a letter advising they would be reducing the credit limit due to non-usage of the account unless I called within 30 days to confirm that I still wanted that credit limit. I called on XX/XX/2023, well within the 30 day time limit and asked to retain the limit. The first customer service rep sent through a request to increase ( pulling a credit report without understanding ) and increased the line partially but not the full amount. I immediately questioned this as it was not what was stated in the letter they had sent, and after being bounced around to several different customer service reps, was finally told that the limit would be reinstated to the original amount of {$31000.00}. I was also told that as compensation for my trouble and as an incentive to use the card the interest rate on new purchases would be reduced to 3.99 %. We did not have an occasion to use the card until XXXX, and when we received the statement found that they had not reinstated the limit as they had promised, and again said I could request an increase however did not advise me that would essentially be a credit request and include a credit pull. The chat function on their website is only good for standard requests, and they have no formal of documenting a complaint. Customer service just said submitting a new credit request is my only option.

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 2022-02-15
Company: Army and Air Force Exchange Service
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've been disputing this debt for a few months now, and I've written letters and sent them to the bureaus and the company itself. 
Company name : Military Star account was with zero balance last updated on XX/XX/XXXX. 
Company name : XXXX XXXX XXXX account balance is {$570.00}, last updated on XX/XX/XXXX. 
Company name : XXXX XXXX with an account balance of {$1400.00}, last updated on XX/XX/XXXX. 
I disputed these items for lack of accuracy added to my account, and it negatively impacted 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 2021-04-14
Company: Resurgent Capital Services L.P.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I'm currently being garnished for a credit card that I have no idea ever existed. The attorney XXXX, XXXX and XXXX was sent a letter asking for information about the credit card and they never supplied that information to me. I ask for a copy of the signed contract and a complete forensic accounting they used to calculate the debt. To this day I have not received any information regarding the account. They have not provided me any proof of any account existing in my name. Court documents show an account number that was whited out with a completely new account number written over it. No Contract included or any validation of any debt amount or when the contract was signed. This is fraud on behalf of LVNV funding and it's collecting arm Resurgent Capital Services attorney XXXX, XXXX XXXX XXXX 

What I've requested from Resurgent on XX/XX/21 was : -signed application -the entity suing me purchased the right to collect on the debt -the balance claimed as being due is calculated properly -the loan has not been rendered unenforceable due to the expiration of the statute of limitations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Waypoint Resource Group, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I had XXXX on and off since XXXX to present between XXXX and XXXX  XXXX all personal accounts only. I am a victim of identity theft, and fraud since my information was stolen in the VA in XXXX, XXXX and XXXX since XXXX, and my professional business license in Washington XXXX since XXXX. I reported XXXX before, and fought off their past 3rd party collection agencies, and all debt was deleted. This year alone I did block all my credit reports from freezes and fraud alerts. 

Attempts to collect debt not owed ( debt was paid, discharged in bankruptcy, result of identity theft, was owed by a deceased family member ) Currently this year alone especially during XXXX history month another 3rd party predatory creditor ruined my credit report in both XXXX and XXXX as I lost between 57 to 61 points. I told the creditor to leave me alone, and they did not as I was forceful. XXXX is trying to collect on debt I do not owe as it is a false claim, especially given the money and debt I paid to them already. I moved between states in XXXX I returned the equipment, and that was confirmed when I talked to XXXX special billing department. 

After explaining my situational story, which is upsetting after they admit from coming at me before, and the debt was dropped because I turned in the equipment years ago. Then they said we can wave the XXXX debt, but you owe us XXXX plus dollars, and I said no freaking way. This guy said well we have a bounced check with your name on it with a NSF amount, and I said that is bull cause I never wrote that check. During that time I was in the process of moving, and I am certain my information was hacked by nearby thieves who was making alleged claims pretending to be me. This debt was deleted of my credit reports a few years ago. 

i am a XXXX  XXXX  veteran with limited income on XXXX who business went under who is a single father who is struggling still while raising a son, and service dog. I want all this debt deleted from my XXXX, and XXXX as in pronto as I keep disputing this outrageous debt, that I do not owe. XXXX did call me back, and the haung up nor did they give me the electronic pdf so I can itemized the so called bill, and file it in a police report because I use to be a federal police officer too. I also do not want comcast harassing me by using 3rd party lenders as this has impacted my ability to buy my first home where my credit report was close to a XXXX  plus score as it has been over 5 years rebuilding my credit reports. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
In the first week of XXXX of this year, I was contacted by Bank of America regarding a check that was cashed that I had written. They said it was suspicious and asked if I had written a check to XXXX XXXX for {$1700.00}. I said I knew of no one by that name, but that was the amount that my small business pays in rent each month. I had mailed the check myself, placing it in a business envelope into a USPS mail box addressed to my landlord. I have done this every month for over 2.5 years. 

The BoA employee acknowledged that I was disputing the check and that they would handle it. I considered things settled and figured I would hear from them eventually. They advised that I should also report this to my bank. I asked if there was anything else I needed to do in order to resolve the issue and they said that other than informing my bank of the problem, no. 

A few days later I went to my bank, XXXX to let them know about this and that I wanted to dispute the check as well. They let me know it would be investigated in a timely fashion but that they could take up to 120 days to get back to me. It's been over 120 days and until I started making phone calls and demanding action, no one had contacted me. 

Bank of America has done nothing in this time, while I have been defrauded of {$1700.00}. I was assured this would be handled over the phone, which was clearly a lie. Nothing has been done. 

XXXX has opened a case, contacted Bank of America and escalated the issue once three weeks ago after I had complained to them multiple times about how long this was taking. I do not feel they have done very much to protect me or the finances of my small business. 

Cashing an altered check is a loss born by the depositing bank, in this case Bank of America. ( https : XXXX ) I feel like I am being treated as though I have no rights in this case. My money was stolen and I am being punished. This has been punishing to the health of my small business. It has stunted our growth and caused a lot of stress. 

A reasonable response to this would have been to issue a provisional credit to my bank so that my bank could do such to me in return. 

A complete lack of timetable for such things and willfully ignoring attempts at contact is a disgrace and does little to instill confidence in the consumer. 

By contacting me directly, Bank of America admitted that the check was suspicious. Upon viewing the check, it was obvious to me that someone had used white out to remove what I had written in the " Pay to the Order of '' line. Additionally, the handwriting does not match my own. There is no investigation to be done here, it is as clear as day what has happened. 

I have attached the scan of the check in question.

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 2023-06-19
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-19
Company: Experian Information Solutions Inc.
State: FL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation