BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-24
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021, received an email notification that my Chime debit card has been compromised from the following merchants, while my card was on my belonging : XXXX XXXX - {$62.00}, XXXX XXXX XXXX XXXX - {$190.00} XXXX - XXXX XXXX XXXX - XXXX Immediately when I noticed the transaction, my emotional judgment made me dispose of my debit card, then filed a dispute and requested a replacement card using the Chime bank app. The bank sent me an email to complete the dispute form on Mon XX/XX/XXXX, XXXX XXXX. Completed the form and emailed it to the support department on Mon, XX/XX/XXXX, XXXX XXXX. On Tue, XX/XX/XXXX, XXXX XXXX, I received an email stating " Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. '' I replied to the email stating I would like to appeal the case, then received an email stating " Thanks for reaching out to Chime Disputes Team! If you do not agree with the outcome of your dispute, you may submit a rebuttal, provided you have new information that was not provided to us previously. This new information can be a conversation with the merchant, copy of a receipt, a police report, your work schedule, etc. '' Immediately I went to my local police office to file a police report and sent the information to my bank on XX/XX/2021, XXXX XXXX. Still the same outcome. On Sat XX/XX/2021, I decided to go to all the merchants was the transaction was made to see if they can provide me a copy of the receipt for the fraudulent purchases, wasn't able to obtain it since they needed the card number which I didn't have anymore. I have called Chime if they had that information but they didn't. I did record the conversation I had with the merchant and emailed Chime to re-appeal the case on Tue, XX/XX/XXXX, XXXX XXXX, but on Fri, XX/XX/XXXX, XXXX XXXX, received an email with the same outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: OneMain Finance Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calling 3x a day to collect the monthly car loan. Calling 3x a day even when I am with the ten day grace period. I pay the bill every month at the same time but the calls are 3x a day even after asking them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX, and XXXX XXXX XXXX Account Number XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 an 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 of 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 knows 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 non-monetary relief
Consumer complaint received 2021-07-06
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: Account information incorrect

Complaint:
Incorrect balance of XXXX  XXXX credit balance reported for Account ending XXXX where I am a co-signer/and-or authorized with XXXX XXXX XXXX at XXXX XXXX  XXXX XXXX, XXXX XXXX, New York XXXX. 

The available credit is approximately {$390.00} and balance is {$110.00}. 

This account is not reporting 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 2021-07-16
Company: LAKEVIEW LOAN SERVICING, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am selling my home on XX/XX/XXXX. My XXXX payment was auto drafted on XXXX ; on XXXX I called to cancel my auto draft so that it would it not draft in XXXX. Well 9 days later XX/XX/XXXX ; I payment was drafted again and it overdrew my acct. I called to ask them to reverse it and they state that it would take 3-5 business days. Well I have bills due tomorrow but now I will not be able to pay them and they are not assisting me for their error. Mind you I called in to cancel with a live person and instead of canceling my auto draft he changes the payment date.

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 2023-07-12
Company: JPMORGAN CHASE & CO.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a Visa Sapphire credit card in the mail on XXXX. I had not applied for it. After calling XXXX today, XXXX, I discovered that someone applied for it on XXXX fraudulently evidently. I never activated this card but there were charges totaling {$520.00}. The customer service agent said they would cancel this account and I would not be held responsible for paying the bill as of XXXX. Previously back in XXXX, I tried calling XXXX to complain. I would not give my XXXX digit SSN when they asked over the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: DC
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:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXXXXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$420.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$590.00} ), XXXX XXXXXXXX XXXX, ( Date Opened : XX/XX/XXXX, Balance : {$12.00} ), XXXX XXXX ( Open Date XX/XX/XXXX, Credit Limit {$1000.00} ), XXXX XXXX XXXX Account Number XXXX, Open Date XX/XX/XXXX, Balance {$0.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: TCAR Inc
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After purchasing a new home in XXXX of XXXX, I got a bill for for an outstanding medical balance never previously received ( XX/XX/XXXX ). The bill was through a collection agency ( TCAR Recovery, Remarketing, Collections out of XXXX XXXX, XXXX  ). When I contacted TCAR to verify the claim they were pursuing, I was notified of an unpaid medical bill from XXXX Hospital in XXXX XXXX, XXXX  for emergency room services received XX/XX/XXXX. The notice by mail from TCAR came through my previous address in XXXX, XXXX  and was forwarded to my new home in XXXX, XXXX  via US Postal Service automatic forwarding. I contacted TCAR in order to get copies of the invoices. Once I realized that the medical bill was for services I had received that should have been covered by my health insurance plan, I contacted my health coverage member services to see what options there were for coverage. My health insurance company informed me that although the services I received were more than one year previous, I could submit invoices for coverage. When requested from XXXX Hospital, the original invoices had been mailed to a previous address in XXXX XXXX XXXX, where I hadn't lived since XXXX of XXXX. ( Current XXXX  State address, Identification and Insurance Plan information was submitted to XXXX on the date of service ). After explaining to XXXX Hospital the incorrect address on their invoice and subsequent forwarding to collections through TCAR was their responsibility and my insurance plan had offered to cover services if XXXX would resubmit claims, XXXX had computer recovery issues and were to send me copies for submittal my health insurance company ( Phone records XX/XX/XXXX ). Those records never came nor any additional contact by mail nor phone was received from either TCAR nor XXXX, so I assumed that XXXX had realized their mailing mistake and not pursued billing or had gotten paid from my health care provider. In XXXX of XXXX I got an updated credit report to pursue refinancing of my home and was informed that the collection request was still pending. My wife contacted XXXX in XXXX, XXXX and XXXX informed her the bill was still outstanding. Help is needed to resolve this issue caused by mailing the original bill to an outdated address and subsequently sending to collections even though full health insurance benefits were in place at the time of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: LA
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:
On my XXXX credit report on ( XX/XX/XXXX ) XXXX, ( XX/XX/XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX inaccurately reported on my credit report and caused my credit report to drop by XXXX points. 


On my Experian credit report on ( XX/XX/XXXX ) XXXX, XXXX ( XX/XX/XXXX ) XXXX inaccurately reported on my credit report and caused my credit report to drop by XXXX points. 

On my XXXX credit report on ( XX/XX/XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX inaccurately reported on my credit report and caused my credit report to drop by XXXX points.

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 2023-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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've written letters to all 3 credit bureaus. There are multiple accounts showing on my credit report that do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The company that manages my loans is Navient. For years they have called my cosigner saying that I hadn't made payments, when I had. They also continually " lost '' my auto payment information so that they could collect late fees when the payment inevitably did not go through. They will not release my cosigner. And they seem to bury information making it difficult to understand repayment methods, fees, and process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have traded in my car already, this loan is paid off and transferred to someone else and its still reporting on my credit as past due. I tried to dispute it with XXXX XXXX and they did not remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, 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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX XXXX  XXXX Balance : {$25000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20
Company: Experian Information Solutions Inc.
State: VA
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 XXXX credit Bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$22000.00}, DEPARTMENT OF INTERIOR XXXX Balance : {$19000.00}, XXXX OF XXXX XXXX XXXX Balance : {$18000.00}, XXXX XXXX XXXX XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$9400.00}

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 2020-07-20
Company: WELLS FARGO & COMPANY
State: NJ
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 recently applied for a WELLS FARGO VISA Credit Card. Several days later I was rejected based upon a list of possible reason ( s ) for the declination. 

Several months ago, Wells Fargo closed my {$2000.00} line of credit which I held with a local furniture company. They did not inform me and then reported that I, the consumer, had requested the account to be closed. That is untrue as I did not want the account closed. I did not contest the falsity of that on my Credit Report ( s ) though in hindsight, I should have. 

Now that Wells Fargo has rejected me for this VISA Card I suspect, although I obviously am unable to prove it, that they are discriminating against me for reasons of my age ( XXXX ), my sex or my race. I can not understand their " lack of reasoning '' when my current credit history is excellent ; I pay my bills timely, and I have other banks which find me credit worthy. 

I am therefore bring this Complaint under the purview of the Federal EQUAL CREDIT OPPORTUNITY ACT which prohibits creditors from discriminating against credit applicants under various forms of discrimination, including and not limited to, age, race, sex, etc. 

In trying to do online research it appears that Wells Fargo is infamous about the sleight of hand which they use when determining whether an individual is credit-worthy. Again, I am unable to " prove it '' but I see no other reason for their declination aside from some form of " hidden to the applicant '' discrimination. 

I bring my case before you and I ask that you advise me of your thoughts on my concerns against WELLS FARGO BANK. 

Thank you, 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 2023-07-12
Company: VYSTAR CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
HELLO MY IS XXXX XXXX XXXX XXXX AND I AM MAKING THIS COMPLAINT BECAUSE I HAVE TRIED MULTIPLE TIMES TO DELETE THIS INFORMATION FROM THIS ACCOUNT FROM MY CREDIT INFORMATION, SINCE I WAS NOT THE ONE WHO APPLIED FOR THIS ACCOUNT, MY PERSONAL INFORMATION, FOR EXAMPLE THE ID AND SOCIAL SECURITY WERE STOLEN, THEY WERE USED TO OPEN MULTIPLE ACCOUNTS FRAUDULENTLY, ONE OF THE BANKS AFFECTED WAS THE CARD ( VYSTAR CREDIT UNION ) WHICH CURRENTLY HAS A BALANCE OF {$2200.00} THAT WAS OPENED AS FRAUD, I AM CURRENTLY A USER AUTHORIZED BUT I DON'T NEVER AUTHORIZE BEING AN AUTHORIZED USER I DEMAND TO DELETE THAT ACCOUNT FROM MY CREDIT REPORT, I MADE AN IDENTITY REPORT ADDING THIS ACCOUNT TO THE IDENTITY THEFT REPORT SO IT CAN BE REMOVED FROM MY CREDIT REPORT THANKS

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 2018-03-01
Company: UNITED ONE RESOURCES, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
There is 2 Hard inquiries on my credit report that is not mine they are United One R XXXX, PA XXXX ( XXXX ) XXXX which is hurting my score I want them removed

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have traded in my car already, this loan is paid off and transferred to someone else and its still reporting on my credit as past due. I tried to dispute it with trans Union and they did not remove the 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 explanation
Consumer complaint received 2018-03-01
Company: EQUIFAX, 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:
This is the second time I have contacted your XXXX XXXX, Equifax, XXXX regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. My current legal name is XXXX XXXX XXXX please remove/ delete all variations they are incorrect. 
MY DOB IS XXXX My SS number XXXX MY ADDRESS XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX. 
I have been the victim of ID Theft and I wish all addresses other the the one above to be remove file my credit report I no longer live there and do not wish pre approved mail and ads sent to those addresses as I believe this is possibly what lead to my ID being stolen in the first place. 
I no longer live in XXXX XXXX and some has been using my ID and SS for account in XXXX XXXX. I had to file a report for the Unauthorized activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
CFPB is knowingly allowing credit reporting agencies to violate the laws set to protect consumers under the FCRA sections 609 & 611. On XX/XX/XXXX XXXX  was mailed certified another dispute to remove inaccuracies from my credit file. On XX/XX/XXXX after no response, I filed a complaint here to no avail. CFPB set to protect consumers advised on XX/XX/XXXX they are allowing XXXX to violate the law further by providing an ADDITIONAL XXXX to respond. This is insane! How can consumers be protected if the protection is ALLOWING them to break the law!? I will not cease until action has been taken to make creditors and agencies uphold the law set to protect consumers! 

XXXX was advised to show procedural proof and contact of the those furnishing this information. I have attached the letter of suppression from XXXX XXXX which advises they are not providing public verification as well as a statement DIRECTLY from The XXXX XXXX Georgia Bankruptcy court stating verbatim that they DO NOT VERIFY OR SPEAK TO ANY CREDIT REPORTING AGENCIES! And another template letter from XXXX  dishonest stating that they in fact verified the information from the court directly!

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