BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-03
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Detailed explanation on denial when I receive no denial letter whatsoever and only minimum information was requested to be provided my drivers license was not asked for nor previous addresses nor can you resubmit a application with your previous provided information at a later time if specific reasons are not provided for why inaction took place in regards to a consumer account a consumer would be unable to understand what the issue is in one either fixing and removing the issue at hand effectively being unable to clear it up with consumer bureaus or the information may be completely inaccurate and associated to the wrong file and the consumer would never know what the issue is. The reason could even be a unable to identify file based on the address since they do not ask previous address. Regardless I feel that this institution picks and choices who it allows to become members and that I also feel that could be discriminatory in nature you can not provide a generic denial or generic security issue message and not follow up with additional information that doesnt follow the standard practices of consumer law. More especially I feel when your income is able to be verified by banking consumer agency softwares such as plaid where you can type in your financial institution credentials and they can see your current activity in the bank to see that your income matches what was provided and to see you have little to no security risk. 

Dates event occurred as I contacted chime on numerous occasions by social media and email either getting a generic response or no follow up whatsoever XX/XX/2020, XX/XX/2020, XX/XX/2020 I feel I am being discriminated against as Im not being allowed to know why exactly this account is not being granted nor am I able to provide proof to overturn whatever theyre system is saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/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 non-monetary relief
Consumer complaint received 2020-02-09
Company: AFNI INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AFNI Last reported XX/XX/XXXX Open balance XXXX Opened- XX/XX/XXXX Account status- open Remarks- places for collections Original creditor name- 11 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was not included in the class action lawsuit settlement. I had a XXXX XXXX XXXX  account with Wells Fargo from XXXX to the present time and I have used the ATM in many occasions. I just learned that there was a class action lawsuit and that account holders during the time frame I mentioned were entitled for compensation due to incorrect fees incurred while using ATM and such.

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 2018-10-04
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Citibank XXXX credit card offered 0 % APR on Balance Transfer transaction ( s ) [ 1 or more ] from earlier this spring to next XXXX if they were initiated by XX/XX/XXXX and minimum payments were made on time by the payment due dates. Purchases could still be made in conjunction with the Bal. Transfer balance ( s ) still outstanding and any/all additional pay-ments above the required min. amount due would be applied to those purchase balances that have higher interest rates. Since a XXXX credit card bill when Bal. Transfers 1st posted on a statement along with purchase transactions, i have tried to pay in FULL all of the new purchase charges that also posted on a statement PLUS ( and in ADDiTiON ) the minimum payment to hopefully avoid any interest from occurring OR accruing on my XXXX  account but so far it hasN'T been possible to achieve this objective unfortunately! This is a Citibank manipulation with their payment processing system that i believe is intentionally by design due to the additional payment made above the min. payment NOT being applied entirely/strictly to ONLY those purchase transactions that have posted on the most recent statement, instead of being prorated amongst ALL new purchases, including those that have actually posted on the credit card account, but NOT as of yet on and to a statement!

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 2018-11-19
Company: Synovus Bank
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: Their investigation did not fix an error on your report

Complaint:
XXXX  has been non-compliant with removing the unverified account SYNOVUS BANK XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SYNOVUS BANK XXXX 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 2020-07-17
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The first problem is that hyundai is not respecting the contract i signed in 2018 for my veichle its a XXXX XXXX XXXX and now my payments are showing wrong on my accounts online and when i call i want to know why my payments went up from XXXX to XXXX please help me. 
I was told serval times things were going to be fixed and i was suppose to receive emails but i have not received one email regarding this problem. 
also i didn't ask for this extra insurance payment i am being charged fro and i am being charged for and i am very upset due to this situation. also i have been harassed several times by this company regarding this situation and i want them to stop the harassment telling me that they are going to pick up the vechile for repossession. 
also because i am not fullest in english they yell and me and are harass full sometimes say they can't help me and i feel like i am being very discriminated by hyundai finale companies.

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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The inquiries and inaccurate personal information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to the credit bureau. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate informations and inquiries listed below as a result. XXXX, XXXX, XXXX XXXX XXXX XXXX  Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2022-08-08
Company: iQuantified Management Services, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a text message XX/XX/XXXX from Quantified Management Services stating they were trying to reach me to collect a debt and that I could pay online or call. I figured it was a scam since I don't have any outstanding debt. 

I got a second text XX/XX/XXXX stating the same thing. I went online and entered the text 's reference # XXXX and was prompted to enter the last 4 digits of my social security #. I was not comfortable doing that so I called the number in the text. I spoke to someone named XXXX, gave the reference # in the text and asked for the name of the provider, date of service and the amount. XXXX told me she couldn't give me that information because of HIPAA laws unless I identified myself. I said the reference # should be enough since they sent it to me, that I was not comfortable giving the last 4 digits of my social security # to her or online, and that I believed this to be either a scam or a mistake. I told her to send whatever she had in writing. She said that was already done once on XX/XX/XXXX and that they weren't required to send it again. She did reveal the address the bill was sent to. I asked the person still living at that address if anything came in the mail for me. I was told no and that no mail had come there for me in years. 

Based on the address XXXX mentioned ( where I no longer live ) I believe I am able to piece together what this is about. In XXXX XXXX XXXX XXXX XXXX XXXX ILLEGALLY sent me a bill I DO NOT OWE for services totaling {$4400.00}. I then contacted my insurance provider, XXXX XXXX, and sent them a copy of this ILLEGAL document. 

The XXXX XXXX person I spoke to explained to me that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was paid what they were contracted to be paid by XXXX XXXX and that XXXX XXXX was in fact ILLEGALLY sending me a bill for the balance. 

XXXX XXXX sent XXXX XXXX a letter on XX/XX/XXXX stating that they ( XXXX XXXX ), PER NEW YORK STATE REGULATIONS WERE PROHIBITED FROM REQUESTING COMPENSATION OTHER THAN ALLOWABLE CO-PAYMENTS FROM FIDELIS CARE MEMBERS. ( MY CO-PAY AT THAT TIME WAS {$0.00}. ) I have attached a copy of the original ILLEGAL bill I received from XXXX XXXX and the letter from XXXX XXXX. 

This letter also included a XXXX Update which states that a XXXX RECIPIENT " MUST NOT BE REFERRED TO A COLLECTION AGENCY FOR COLLECTION OF UNPAID MEDICAL BILLS OR OTHERWISE BILLED, EXCEPT FOR APPLICABLE XXXX CO-PAYMENTS, WHEN THE PROVIDER HAS ACCEPTED THE RECIPIENT AS A XXXX PATIENT. '' XXXX XXXX obviously knew I was a XXXX patient because they had my health insurance information. 

I trust that this will resolve this matter and that Quantified Management Services will cease and desist requesting payment from me, will not report me to any credit bureau and will not resell this ILLEGAL bill to another agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Experian Information Solutions 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:
There is an account on my credit from a company I do not recognized. The company is a third party debt collector attempting to collect XXXX plus dollars. The original company is XXXX. I have never had a XXXX account nor have I ever incurred a phone bill that large. This has to be an error. I would like this company and it's records removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
This loan services fraudulently and keep my escrow refund for almost 4 months now, for {$910.00}, and they removed the {$94.00} out of my total escrow refund, since 4 months, they told me, that they will overnight it, and until now I did not received it, they should increase the money Im inspecting, there Cash department, had some fraudulently practices as well and they never do there jobs, this institution should be investigated, they are using my money, and fraudulently hold my escow refund, there supervisors did there part, but the manager did not do any action of this matter, they never called, me I Know that you are helping a lot of consumer, and I hope that they will be investigated, for fraud practices, delaying the refund, then used to there account. For four months i spoke to ID XXXX, XXXX, XXXX, XXXX, XXXX, and the answered are all the same overnight, and its four months now, I never received the escrow refund, and, there practices is hold my refunds, and used and invest to there other 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 2022-11-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
went to a dealership to get a car and dealership ran my credit report with other companies instead of just their company like they told me they were going to do causing me to have all these hard inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Alorica 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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on SST/XXXX with account number XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Experian Information Solutions Inc.
State: TX
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 credit report shows inaccurate and unverified account from XXXX. I have reported the issue to XXXX on XX/XX/2021 via phone and XX/XX/2021 via certified mail. XXXX has not validated the inquiries and/or removed them. XXXX is violation of the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), by not providing complete and accurate reporting at the request of the consumer

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 2020-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
From XX/XX/XXXX to XX/XX/XXXX I noticed unauthorized charges in my account. This charges occurred in 2 different accounts. A credit card and a debit card. I won the claim on my credit card but my bank even though they reactivated the claim they still holding my funds hostage illegally. I have proof of the fraudulent goings in XXXX  like adding my payment method without my permission. I have pictures of what they are doing and ignoring my complains.

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 2023-07-07
Company: Experian Information Solutions 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 did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
1. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
2. XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
3.XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
4.XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
5.XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
6. XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
7. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
8. XXXX XXXX  XXXX. 
Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
9. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
10. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This complaint specific to all three major bureaus- minor ones ALWAYS INACCURATE and unknown- this XXXX who I am working on disputes with before trying to resolve with the others. Example- + email- Sign In to Your Account Sorry, we're unable to process your request right now. Please try again later. 
Username forgot username Password forgot password Remember my username next time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: JPMORGAN CHASE & CO.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
Here is my issue in summary : My bankruptcy case was dismissed which included my truck. The bank sent me a letter stating I had 60 days or until XX/XX/XXXX to start making payments again to avoid repossession. I called to make payments to bring the account current only to find out that the bank closed the account on XX/XX/XXXX instead of XX/XX/XXXX. I was told I had to pay the loan off in full which is around 30k. I have attached the letters to show what Im writing about. 

The vehicle was repossessed the other day which prompted me to file another bankruptcy to get it returned back to me. The repo driver failed to verify the VIN number, which was covered. He also said I already know which vehicle this is. One of my tenants use to be a repo driver, he said this repo driver broke the law by taking the truck without verifying its VIN number. There are cameras in front of my house and I also have two witnesses, one being the former repo guy ( my tenant ). Whats the point of having rules if these drivers and banks are just going to violate them anyway. Something should be done here. 

I looking to take legal action against the lender for not letting me make payment when I was sent a letter by them stating I can do so. I also want to pursue a complaint against the tow company for not following state law with repossessing my truck.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
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:
On XXXX I received an email from XXXX for my final bill for a total of XXXX which was paid on XXXX in which I received a confirmation email regarding this payment. On XXXX I received notification on my report that the account for XXXX Account Number XXXX was charged off for non payment. Yet I received my email confirmation for this payment. On XXXX I received another bill for a total of XXXX which was also paid. They have claimed that they never received my first payment in XXXX which caused my account to be a charge off. This should not have been the case being that I have proof of conformation of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent multiple correspondence letters asking the debt be verified under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that their claim is disputed and validation is requested. I have not received any answers and its been months for that reason I would like for it to be deleted off of my Credit reports.

Company response to consumer: Closed with non-monetary relief